Recent market turmoil, driven by heightened volatility and new tariff policies, has prompted professional investors to reduce exposure while individual investors have largely held steady or increased their positions. The S&P 500 is down 10% from its February high, and the Cboe Volatility Index reached a five-year peak, reflecting elevated investor anxiety. Despite this, retail investors have continued to buy the dip, with $44 trillion in U.S. retirement savings still heavily weighted toward equities. Americans are increasingly anxious about their financial security in retirement. Surveys show 64% of U.S. adults fear running out of money more than dying, with concerns fueled by inflation, doubts about Social Security's future, and rising taxes. The average amount Americans believe they need to retire comfortably is $1.26 million, while Californians estimate $1.47 million. Just over half—51%—think they will outlive their savings. Many retirees and near-retirees are adjusting portfolios by shifting assets into bonds or cash, delaying withdrawals, or reducing discretionary spending. Financial advisors caution against dramatic moves in response to short-term volatility, emphasizing the importance of maintaining a long-term perspective. Warren Buffett's investment philosophy remains influential during this period. At age 94, Buffett continues to advocate for patience, understanding one's investments, and being prepared for significant market downturns. Berkshire Hathaway currently holds a record $318 billion in cash, and since 2018, Buffett has authorized $78 billion in share buybacks—more than the cost of Berkshire's top five public equity holdings combined. He paused buybacks in late 2024 due to valuation concerns. Buffett's approach is rooted in principles such as compounding, staying within one's circle of competence, and focusing on long-term value. His early inspiration came from F.C. Minaker's 'One Thousand Ways to Make $1000,' which emphasized starting small, reinvesting profits, and understanding investments. In the real estate market, rising home prices and mortgage rates have made affordability a key concern for first-time buyers. Berkshire Hathaway Home Services recommends that buyers on a budget consider smaller homes, which tend to appreciate faster and offer better long-term value. Data shows that homes under 1,200 square feet appreciated at 7.5% per year pre-pandemic, compared to 3.8% for larger homes. Financial experts advise individuals to seek professional guidance, create guaranteed income streams where possible, and develop personalized retirement plans to address the risk of outliving savings. The current environment highlights the importance of diversification and realistic assessment of retirement needs.