President Donald Trump and Elon Musk have followed through on their promise to shake things up, but so far the policies have been changing at a head-spinning rate. And while Musk has since departed from the Department of Government Efficiency (DOGE), some of his actions still have impact. And he’s still at the helm of Tesla, so any moves there could also impact the stock market.

From tariffs and a controversial budget proposal to federal workforce reduction, healthcare and public service funding cuts, and Tesla’s instability, Trump and Musk have created market uncertainty.

Read Next: Trump’s Tariffs: Here’s What Economists Think Will Happen After the 90-Day Pause

Explore More: Here’s the Minimum Salary Required To Be Considered Upper Class in 2025

Navigating through turbulent times requires proactive planning. To shield your finances, here are six middle-class hacks to help, according to experts.

Also see three things DOGE did in Trump’s first 100 days and how they affected your wallet.

Focus On What You Can Control

Those in the middle class could be experiencing some financial headaches right now, and while it’s not all controllable, there are things they can do to try to offset the chaos.

“Build a strong emergency fund, diversify your savings and avoid chasing every hot headline,” said

​​Danny Ray, founder of PinnacleQuote. “In fact, smart tax planning today could shield you from costly surprises tomorrow. Furthermore, keeping high-interest debt low gives you flexibility no matter how the political winds blow.”

Overall, steady, disciplined financial habits are your best defense amid market chaos.

Check Out: Trump Wants To Eliminate Income Taxes: Here’s How Much Extra You’d Take Home If You Make $150K a Year

Index Funds

The policy changes that have been enacted have also impacted experienced money experts. Andrew Lokenauth, a finance expert with Fluent in Finance, said he’s focused on index funds, which have been his go-to to protect his assets.

“I moved about 60% of my portfolio into broad-market ETFs — they’re way less sensitive to individual company drama,” he explained. “The results speak for themselves: My balanced index approach stayed steady through five major Musk-triggered market dips.”

Many index funds are low-cost as well, so they’re not out of reach for middle-class investors.

Stablecoins

Investing in stablecoins is another key move Lokenauth has made. Stablecoins are a type of cryptocurrency that is designed to keep a stable value by attaching market value to an external asset, like gold or the U.S. dollar.