The U.S. stock market is currently facing multiple challenges, and the overall investment climate harbors numerous visible and hidden risks. First, the outcome of the midterm elections remains highly uncertain, creating significant unpredictability for market expectations. Second, sharp fluctuations in crude oil prices, coupled with runaway inflation, are adding to macroeconomic pressures. In addition, financing risks in artificial intelligence (AI) are another issue that should not be overlooked. Given these complex and interconnected factors, it is advisable to manage your personal finances carefully at this stage. A prudent strategy for now is to limit your investment exposure and keep positions relatively light. Meanwhile, as markets fluctuate, stay level-headed and alert. If considering buying on dips, proceed with extreme caution and do not try to call the bottom blindly.