It's no secret that one of the leading mental health issues in America is anxiety. We\u2019re known for our hard working attitude and long hours in the office, both of which naturally raise stress levels. Add worrying about who will be the next president to the mix, and it's no wonder Americans' stress is through the roof! A recent survey conducted by Personal Capital showed that this election season, the biggest worries plaguing Americans today include the threat of terrorism, the economy, and healthcare.\r\n\r\nBut as is so often the case, worrying doesn\u2019t always translate into actionable change when it comes to the areas of our lives where we could use some work. In short, we spend a lot of time stressing about issues we have little control over, and not enough time trying to fix what we can change. This is especially true when it comes to retirement; by and large, statistics prove we aren\u2019t saving \u2013 or worrying \u2013 nearly enough.\r\nWhat Americans Worry About\r\nHere\u2019s an example:\r\n\r\nIn addition to the above leading concerns (threat of terrorism, the economy, and healthcare is 48%, 33%,and 31% respectively), other issues keeping Americans up at night include crime, immigration, unemployment, education, and morality (24%, 23%, 21%, 20%, and 15% respectively).\r\n\r\nYet only 8% of people cited personal finances or retirement savings as concerns \u2013 surprising since the economy ranks high on the list and Americans aren\u2019t even close to being on track for retirement.\r\n\r\nFor those who have at least started saving for retirement, our research shows that slightly more Americans are worried about retirement if Hillary Clinton becomes president. Of course, it all depends on which side of the political spectrum these Americans fall on. For example, Republicans and conservatives tend to fear a Democratic candidate when it comes to retirement, while Democrats and liberals fear the opposite. When asked, 64% of Republicans worried more about a Clinton win, while 59% of Democrats worried more about a Trump presidency when it came to their retirement accounts.\r\n\r\nAmericans are worried about a lot this election season - especially the economy. But too many people are so caught up in the dramatic debates and Twitter wars that they fail to realize their retirement is closely tied to the economy, and it\u2019s something they have power over! The stock market goes up and down every day regardless of who sits in the Oval Office. With a few small moves and a few smart decisions, putting your attention on what you can do \u2013 optimizing your retirement now \u2013 instead of worrying about which candidate could maybe sway the natural dips and rises in the stock market will make a giant impact on the comfort and happiness of your personal life. Guaranteed.\r\nWhat Americans Should Worry About\r\nHere\u2019s the thing - outside of voting, there is little the average American can do about the economy, the stock market, or which candidate pulls out a win this November.\r\n\r\nWe can and should worry about those things, but should they be our biggest worries? Nope.\r\n\r\nIn addition to caring about broad political issues that affect our quality of life, it\u2019s just as important to care about improvements we can make in our daily lives \u2013 things like our health and personal finances.\r\n\r\nSince our main issue here is financial planning, we\u2019ll focus on the latter. Budgeting and researching investing strategies may not be as fun as following the candidates' every jab at each other, but it\u2019s necessary if you want to get ahead. Here\u2019s why:\r\n\r\n\u2022 According to the Economic Policy Institute, most families aren\u2019t even close to reaching their retirement goals. In fact, the median retirement accounts for all age groups range from \u201c$480 for families in their mid-30s to $17,000 for families approaching retirement in 2013.\u201d\r\n\u2022 Half of families have no retirement savings at all.\r\n\u2022 The average U.S. household had $15,310 in debt in 2015, according to Nerdwallet.\r\n\u2022 Average student loan debt surged over $37,000 this year.\r\n\u2022 Almost half of American families can\u2019t cover a $400 emergency.\r\n\r\nRegardless of how smooth your own retirement is looking, these statistics are downright shocking. Remember though, being in debt and not having any cash is the norm these days.\r\nIgnore Politics, Do This Instead\r\nIf only we would divert our attention to the one area where we\u2019re the boss \u2013 our personal finances. Fortunately, all it takes is a few weekly money moves to grow wealthier, become more independent, and drastically change the outcome of our lives.\r\n\r\nWant to get ahead regardless of what happens? Here are five money moves that will start improving your life today, regardless of who wins the Presidential election:\r\n\r\n#1: Track your spending.\r\n\r\nNo matter how frugal you think you are, it\u2019s easy to overspend when you don\u2019t keep track. A dollar here, ten bucks there, and a date night later and, all of a sudden, you\u2019ve blown $100 bucks or more. Unfortunately, unfortunate spending episodes tend to add up in a hurry.\r\n\r\nTo find out how your spending looks and how you might improve, you need to track it in real-time. Signing up for a free account with Personal Capital can help in that respect since our budgeting software tracks and categorizes your purchases with no effort on your part. Once you start tracking, you can watch out for budget holes draining your wealth.\r\n\r\n\r\n\r\n#2: Start using a budget.\r\n\r\nLearning to budget is a smart move for anyone tracking their spending for the first time. By creating a budget each month, you control your money instead of letting it disappear into thin air.\r\n\r\nTo get started, sit down and create a list of your fixed and fluctuating expenses at the beginning of the month. Once you have your expenses down on paper, compare the total against your income to see how much you might save. Then try diligently to stick to your spending plan. It\u2019s not always easy at first, but it gets easier over time.\r\n\r\n#3: Add more money to your retirement accounts.\r\n\r\nWant a foolproof retirement? Boost your retirement account contributions by a percentage or a lump sum. If you\u2019re employed by someone else and have a 401k plan, the easiest strategy is increasing the percentage you contribute every month. If you\u2019re self-employed, on the other hand, you can deposit either lump sums or a larger percentage of your income over time.\r\n\r\nRemember, compound interest is on your side. Plus, there may be notable tax advantages for contributing more money to a tax-deferred retirement account like a 401k. Most importantly, however, is the fact that this money will be there when you need it.\r\n\r\n#4: See if you\u2019re paying too many fees on your retirement accounts.\r\n\r\nAlready investing heavily for retirement? That\u2019s a good thing. Unfortunately, not enough people know how their retirement account fees stack up \u2013 or how they compare against the average. Remember, you could be losing hundreds of thousands of dollars in hidden fees in your mutual fund, investing and retirement accounts!\r\n\r\nFortunately, Personal Capital\u2019s free retirement Fee Analyzer can do the heavy lifting for you. Simply create a new account and enter all of your retirement account information to find out how much you\u2019re paying in fees, and how those fees will add up over a lifetime. If you\u2019re paying too much, you can also find out how to roll accounts over to lower your ongoing costs.\r\n\r\n#5: Watch your net worth change.\r\n\r\nWhen it comes to building wealth, net worth matters more than almost anything else. Net worth includes your assets minus your liabilities, and offers the greatest measure of your financial progress over time.\r\n\r\n\r\n\r\nOnce you open an account with Personal Capital, you\u2019ll see how all of your assets and liabilities compare and your full net worth updated on a daily basis. The stock market will go up and down over time, but your net worth should gradually increase regardless as you invest more and pay off debt.\r\nThe Bottom Line\r\nIf you really want to get ahead in life, it\u2019s time to take an introspective look at where you stand. Ignore politics and the economy for a minute and ask yourself, \u201cAm I doing the best I can?\u201d\r\n\r\nIf the answer is \u201cno,\u201d you should work on remedying that situation right away \u2013 you know, before you worry about the implosion of Obamacare.\r\n\r\nWhile it\u2019s great to delve into the political landscape and pay attention as the world is changing, coming up with a long-term financial plan will leave you better off regardless of who sits in the Oval Office. The bottom line: getting involved in politics and caring about your country is smart; placing your retirement in the hands of a political candidate may not be.\r\n\r\nWith enough smart money moves under your belt, you\u2019ll come out a winner no matter what.\r\n\r\nDo you worry too much about things you can\u2019t control? Will you have enough to retire one day? Tell us in the comments below!