The stock market continued to have a not very good time Monday as a result of President Donald Trump’s tariffs on everyone, even penguins. And counter to the desperate hopes of Wall Street executives, economists, and, really, most Americans, Trump reiterated that he is not, in fact, looking to pause them any time soon. To put it mildly, the whole thing is really freaking people out, and the word ‘recession’ is getting thrown around a lot. Jessica Roy, personal finance and utility columnist at the San Francisco Chronicle, shares some advice on how all of us should be thinking about our money right now.

And in headlines: The Supreme Court handed the Trump administration two temporary wins on its hard-ball immigration policies, Israeli Prime Minister Benjamin Netanyahu visited the White House for a second time since Trump returned to office, and the Social Security Administration’s website is reportedly having technical issues.