Investopedia’s Affluent Millennial Investing Survey has revealed that nearly half of affluent millennials say they’ll be forced to work beyond retirement age, yet nearly all said their personal or family financial situation will improve over the next decade, making them more optimistic than both their Gen X and Gen Z counterparts.

Some of the world’s wealthiest families are stockpiling cash in anticipation of a full-blown recession that they believe will hit the U.S. economy by 2020, according to the UBS Global Family Office Report.

Have you ever worried if you’ll run out of money? Can you imagine a point where you might wonder how you might bring in that next dollar? Are you thinking you might have to cut expenses in order to stay afloat? Who do these anxieties describe? An entrepreneur? A retiree? Trick question! It’s both!

Stay the course; don’t panic — that’s the general advice about your 401-K. But But be prepared for anything in the dog days of summer. Michael Smith at Houston’s STA Wealth Management says wild stock swings, like we saw last week, won’t catch a disciplined investor off guard.

Have too much home? It may be time to downsize. But when do you know it’s a good time to make the move? While the decision is never easy, there are times where it may save you stress and money to relocate to a smaller home.

“The collaborative features and ease of use in Wealthbox are incredible and have helped our firm grow. We’re glad we switched to Wealthbox.” —Rachel Daniels, STA Wealth