内容摘要：The emergency appeal is the first in a string of applications to the high court involving DOGE’s swift-moving work across the federal government.

The emergency appeal is the first in a string of applications to the high court involving DOGE’s swift-moving work across the federal government.

Among fund giant Vanguard’s nearly 5 million accounts, for example, the average investor puts three-quarters of their savings in stocks. Even older investors are still heavily steeped in equities: People 55 to 64 have 64% in stocks at Vanguard; those 65 and older have 49% in stocks.With that exposure, financial advisers are getting an influx of calls amid the recent market uncertainty.

Tj Binkowski, who runs Narrow Road Financial Planning in Clarksville, Tennessee, says some clients find themselves obsessively checking their accounts and feel the emotional strain of worrying about their money. A downturn, he says, hits an older investor much differently.“When you’re retired, paper losses aren’t just on paper anymore,” says Binkowski. “You’re locking them in every month that you take money out.”Paul Duesterhaus, a 68-year-old retiree from Quincy, Illinois, is passing up an IRA withdrawal this year to avoid selling at a low. Instead, the retired manager at an air compressor manufacturing company will put off buying a new car as planned and cut back on things like eating out.

Still, he can’t help but feel bigger impacts of a trade war are ahead.“I think there’s going to be longer lasting effects that are going to affect every American,” he says.

That angst is more common among older adults than younger people. An April poll by

found just under half of U.S. adults ages 45 and older said their retirement savings are a “major” source of stress for them right now, compared to about one-third of younger people. Older Americans were also more likely to say they’re stressed about the stock market.Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers’ credit scores.

Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said.Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from

. A golden rule to protect yourself fromis to “slow down,” said Johan Gerber, executive vice president of security solutions at Mastercard.