Making a just-in-case plan has two benefits: It can help protect you from potential headwinds while offsetting at least some anxiety over so many external events beyond your control.

With so many unsettling things happening beyond your — or any individual’s — control, it sometimes can help to proactively do something concrete that would be helpful to you and your family.

Take, as just one example, the state of the US economy. There is no shortage of confusing signals and analysis. Is it in a recession, edging towards one, or on the verge of recovering from one? Or — extra fun — are we in for a protracted period of stagflation ?

Whatever the answers (which may only be confirmed — annoyingly — in hindsight), you can take steps now to shore up your own personal safety net to protect yo

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