It’s no secret that the economy is facing a whirlwind of uncertainty. With unpredictable stock markets, skyrocketing interest rates, and concerns about inflation and the looming recession, it feels like we’re living in a financial rollercoaster. If you’re feeling anxious about where to place your money, what your future holds, or whether your retirement is still on track, you're not alone.

We spoke with 14 top financial experts, including certified financial planners, CFOs, and wealth managers, to uncover the biggest concerns their clients are facing today — and, more importantly, the strategies they’re using to stay ahead in these turbulent times. If you’re a young adult trying to build a stable financial future, keep reading. These insights could change the way you think about your money.

1. Can You Still Retire Early?
If you’re dreaming about early retirement but worrying about the economy, you’re not alone. Experts report that pre-retirees are wondering if they need to work a few more years to secure their financial future. So, what can you do now? A strong financial plan is the key. Experts recommend running “what-if” scenarios (e.g., what if there's a recession?) to see how your plan stands under pressure. It might even be time to consider a part-time retirement, which could offer both financial stability and peace of mind.

2. Should You Buy or Sell Your House in a Crazy Market?
With interest rates at record highs and the housing market sending mixed signals, many are questioning whether now is the right time to make big real estate moves. If you’ve been on the fence about buying or selling, the best advice is to take a step back. Look at your full financial picture and consider your long-term goals, not just what the headlines are saying. The right time to buy or sell is when YOU are ready, not when the market is sending you mixed messages.

3. Is Your Portfolio Ready to Survive a Market Crash?
The fear of losing everything in a market downturn is real, especially for younger investors. But experts suggest that a diversified portfolio is your best defense. Yes, the market may be down, but remember, history has shown that markets eventually recover. In times of uncertainty, make sure you’re not making impulsive decisions. Instead, work with a financial advisor to understand how your portfolio will hold up in the worst-case scenario.

4. Do You Have Enough Liquidity for a Crisis?
What happens if you lose your job, face unexpected expenses, or need to weather a downturn? Experts are stressing the importance of having enough liquidity (cash savings) to cover six to 12 months of living expenses. This isn’t just about saving money; it’s about building a personal safety net that can withstand unexpected financial shocks. Are you financially resilient enough to handle the next big crisis?

5. What Will Rising Interest Rates Mean for Your Lifestyle?
If you’re trying to refinance a mortgage, manage credit card debt, or simply keep up with rising costs, you’re probably feeling the pressure from rising interest rates. The key is to take control of your finances by trimming non-essentials and locking in fixed rates wherever possible. Whether you're buying a home or paying off debt, understanding your long-term budget can give you peace of mind.

6. Should You Be Worried About Your 401(k)?
Markets have been volatile, and many young adults are wondering if they should pull money out of their 401(k) accounts. The answer? Don’t panic. No one can time the market, and pulling your money out during a dip could hurt your long-term growth. Instead, stay focused on your retirement goals and remember that your 401(k) is built to survive these market fluctuations.

7. What’s Next for the Stock Market?
Nobody knows exactly what the future holds, and that's why financial experts say that now is the time to be strategic, not emotional. Whether it’s dollar-cost averaging into the stock market, building a reserve with low-risk assets, or diversifying your income streams, preparing for future uncertainties now will set you up for success in the long run.

8. Is Your Emergency Fund Enough to Ride Out a Financial Crisis?
It’s never been more crucial to have an emergency fund that covers more than just three months of living expenses. Experts suggest beefing up your emergency fund to cover six to 12 months of living costs. This proactive step can give you the cushion you need if disaster strikes. Plus, with a growing number of income sources available, diversifying your streams could be the key to staying financially afloat.

With so much economic uncertainty, it’s easy to feel overwhelmed, especially when you’re trying to navigate your finances on your own. But there’s a silver lining: now is the perfect time to take control and make educated, strategic decisions about your financial future. Whether you're just starting out or you're planning for the long haul, getting the right advice and taking small steps today can set you up for a more secure tomorrow.

If you're unsure about where to start, there are tools available to connect you with top financial advisors who can help you craft a personalized plan for your future. Don’t wait for the storm to pass — take action now. Your financial stability is worth it.