When you’re making a big financial decision – whether to buy a house, change careers, retire, etc. – chances are you already have a number of concerns.

But add to those a series of external events that seem tailor-made to tweak anyone’s financial anxiety.

Among other things, in just the past six months:

Stocks dropped precipitously in early April and stayed down for weeks before recovering as investors and businesses tried to digest the implications of a US-sparked trade war. So far, the new high-tariffs policy is unevenly applied, still not finalized and subject to change at a moment’s notice. The US dollar, meanwhile, is at its weakest level in three years.

The US followed up on Israel’s attacks on Iran with its own strike, without congressional or public approval. It was followed by an immediate ceasefire.

AI is being adopted at lightning speed even though few understand all its implications, positive and negative. That includes its promise to bring about greater efficiencies as well as the threats it poses to things like jobs and copyright. There are no comprehensive federal regulations governing it.

Domestically, a wave of deportations and detentions are being challenged in the courts and through protests. Critics have warned of an erosion of the rule of law.

And though the economy has held up, signs of softening are starting to pile up. First-quarter GDP was worse than expected, and consumer confidence and consumer spending are both down.

Through it all you’ve been living your life and trying to make smart financial decisions.

CNN talked with three certified financial therapists, two of whom are also certified financial planners, about how to handle a big decision if external factors are adding to your concerns about whether to make a move. Here are five steps they recommend.

1. Be aware of ‘financial freeze or flight’

Regardless of your political leanings, there is a lot going on these days that can feel unsettling, uncertain or upsetting.

“We’re in this period of perceived perma-crisis. For some, it can be paralytic. For others, it causes people to act rashly or impulsively,” said Joel Roberts, founder and CEO of Brescor Wealth Advisory in Massachusetts.

He calls it “financial freeze or flight.”

And that may be on top of other anxieties about, say, your industry, which could reduce your feelings of job security.

A steep stock market drop in April after President Donald Trump announced his new tariffs regime gave investors plenty of anxiety. But the market’s fast rebound also has been confusing to some, since tariffs are still happening. Yuki Iwamura/AP

2. Consider the effects of acting on anxiety

When a client considers making an extreme financial move to protect themselves from external events, Rick Kahler, founder of Advanced Wellbeing in South Dakota, empathizes with them.

“We tell clients whatever their concerns, it’s legitimate to discuss,” Kahler said.

But he tries to draw them out further. If, for example, a client says they want to get out of stocks altogether, he lets them know he can get them the cash tomorrow if they’d like. Then he’ll suggest they map out how such a move would affect their financial situation.

“It helps them be conscious and make informed decisions,” he said.

After unpacking their concerns, he may recommend an intermediary solution, such as reducing but not eliminating their stock exposure. He said, usually the client realizes that the intermediary solution is enough to let them sleep better at night.

3. Reality test your fears

Whenever a client expresses fears about, say, buying a home and then losing a job, Aja Evans, board president at the Financial Therapy Association and author of “Feel-Good Finance,” will encourage them to reality-test those fears. (The FTA certifies financial therapists.)

“We go to the worst-case scenarios in their heads,” Evans said. Then she’ll ask them to consider, “What do you have in place to safeguard against that?”

For instance, she noted, they might consider whether they have a robust emergency fund or recall how they successfully handled financial insecurity in the past.

4. Get clear on your needs

No one can predict the future, so advancing or holding off on a purchase or essential financial move because of concerns over where tariffs, interest rates or stocks are going may not serve you well.

Better to take the emotion out of the equation, Kahler said, and instead ask yourself honestly: Is this something you need? Will this enhance your life today? Does this make sense as an investment?

“Because the problem with timing a purchase is who knows?” he said.

Or, as Roberts put it, “Uncertainty is the norm. You can’t wait for perfect clarity.”

5. Tune out the noise

Staying focused on your biggest needs and goals is critical.

As unnerving or worrying as a conflict abroad or protests in another city are, they’re not likely to have a direct impact on your finances. So distinguish between the information that is and isn’t relevant to your decision, Roberts suggested.

Ditto big swings in the market or a quarter-point cut in interest rates by the Federal Reserve.

Say you’re under contract to buy a home, Roberts said. “If you’re 90% of the way there, should a single stat change your decision-making process?”

Probably not, he said. There’s always going to be some number somewhere suggesting you’re making the wrong choice.

In other words, he said, “build a greater emotional tolerance to the noise.”