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It doesn’t take much to upend many Americans’ finances. A car that won’t start, a furnace that dies or a trip to the hospital can leave households struggling to make ends meet.According to the Federal Reserve, 44% of U.S. adults say they would have trouble coming up with 0 to cover an unexpected expense. Even families who have more in the bank can flounder. Surveys by The Pew Charitable Trusts found that 51% of families with at least ,000 in savings reported trouble paying the bills after a financial shock.Yet it is hardly a shock if an appliance wears out or a car breaks down.It’s time to rethink what we mean by unexpected expenses. Some bills may be unpredictable in their amount or their timing, but they’re still inevitable. In other words: If you have a car, or a home, or a body, sooner or later it’s going to cost you.A better approach, especially for households currently living paycheck to paycheck, is to save for the most likely costs and have some kind of Plan B to handle the truly unexpected.Here’s how that might work with three of the most common unexpected expenses Pew found: 1119

It’s been a long year. Pandemic, wildfires, murder hornets, and now the 2020 election.And if you thought we might get a civilized discussion of the issues, well, that remains a challenge.If you think you’re the only one feeling stressed out by the election, a study conducted by The American Psychological Association shows 52% of Americans feel the same way.“For a lot of people, this election has become so emotional, so existential, and that’s real, that’s very, very real to them,” said Kelly Hupfeld, a professor at Colorado University Denver.“It’s kind of on par with 2020, but it definitely has it’s own individual, independent impact other than the coronavirus and other sort of social unrest that’s been going on,” said Lisa Henderson, a licensed counselor in Tennessee.Henderson says she’s seeing increased stress among her clients because of the election.“There’s this feeling of just helplessness, of you know, things are going on and I can’t really do much about it and sure I can vote, but right now, I think we’re about a month away from that,” said Henderson.And the way the candidates are acting probably isn’t helping“We just watched a really uncomfortable social conflict, and it was nerve wracking for a lot of us,” said Hupfeld. So, maybe you’re feeling stressed, but what are the signs you may be dealing with something more concerning.“If you’re mind is racing with thoughts you don’t really have control over anymore, so that it becomes kind of impossible for you to be able to calm yourself, that can be a sign that anxiety is really getting out of control,” said Hupfeld.According to the mayo clinic, these are some of the signs of an anxiety disorder.Feeling nervous, restless or tenseHaving a sense of impending danger, panic or doomTrouble concentrating or thinking about anything other than the present worrytrouble sleepingHaving difficulty controlling worrySo what can you do if you’re feeling like this?“You can turn your television off, you don’t have to watch it. Similarly to Thanksgiving, you can actually get up from the table, you don’t have to stay,” said Henderson.If watching a debate or constantly getting news updates makes you feel stressed, take a break from the news, social media, and other things that trigger stress.Henerson also suggests asking yourself a question.“How does this impact me right now?” said Henderson.Henderson says these are big issues that do affect all of us, but it’s unlikely to change your day to day right away, so don’t let the stress impact your day to day either.“Really evaluate sort of an in the moment type of way, what impact does this have on me? Today, what is this going to impact?” said Henderson.One of the most important things you can do, seek help if you’re feeling like this. The National Alliance on Mental Illness helpline number is 1-800-950-6264. You can call to find a therapist or mental health professional in your area. 2925

INDIANAPOLIS -- A father died Sunday evening from the injuries he sustained while rescuing his 3-year-old daughter from a vehicle after it rolled into a pond on Indianapolis' north side.Divers and rescuers were called to a pond on Fluvia Terrace after 4:30 p.m. local time. Witnesses told police that the father had stopped to talk to someone and left his 3-year-old in the vehicle. The child hit the gear and shifted the car into reverse, rolling it into the pond. The father and another man ran after the vehicle and were able to pull the child out. She was awake and talking to rescuers, according to Rita Reith with the Indianapolis Metropolitan Police Department. The child was taken to the hospital in critical condition. The child's father, who could not swim, was submerged in the water for roughly ten minutes. He was pulled out by rescuers and rushed to the hospital without a pulse. He later regained his pulse but was unable to survive his injuries and died just after 11:30 p.m.He was identified as Anthony Burgess Jr., 24. The bystander who helped rescue the child was also taken to the hospital and treated for hypothermia.   1218

It's Election Day, which means people will be shuffling to the polls throughout the day. But before you take off to cast your vote, make sure you check that your polling location is still open.Here's a map and list of closing times across the United States.6 p.m. ET: Most of Indiana, eastern half of Kentucky7 p.m. ET: Georgia, most of Florida, New Hampshire, rest of Indiana, western half of Kentucky, South Carolina, Vermont and Virginia7:30 p.m. ET: Ohio, North Carolina, West Virginia8 p.m. ET: Alabama, Connecticut, Delaware, Washington, D.C., Florida panhandle, Illinois, most of Kansas, Maine, Maryland, Massachusetts, most of Michigan, Mississippi, Missouri, New Jersey, Oklahoma, Pennsylvania, Rhode Island, eastern half of South Dakota, Tennessee, most of Texas8:30 p.m. ET: Arkansas 9 p.m. ET: Colorado, rest of Kansas, Louisiana, rest of Michigan, Minnesota, Nebraska, New Mexico, New York, western half of South Dakota, rest of Texas, Wisconsin, Wyoming10 p.m. ET: Arizona, southern half of Idaho, Iowa, Montana, Nevada, most of North Dakota, southeast portion of Oregon, Utah11 p.m. ET: California, northern part of Idaho, rest of Oregon, rest of North Dakota, WashingtonMidnight-1 a.m. ET: Alaska and HawaiiAnd you can find your polling location here.PHOTOS: Voter turnout around the nationMore information on voting rights and things you should know before you head to the polls can be found here and here.Susan Gonzalez is a digital producer and reporter for the E.W. Scripps national team. Follow her on Twitter @TheNewsan. 1580

Injured Buffalo protester Martin Gugino has been released from the hospital, nearly four weeks after he was pushed to the ground by two Buffalo police officers.Gugino, 75, will be recovering at an undisclosed location to protect his privacy, according to his attorney Kelly Zarcone."Martin wants to thank the entire hospital staff for their exceptional dedication and professionalism," Zarcone said. "He received truly outstanding care and for that, he is grateful."Gugino has been at ECMC since June 4, when he was shoved to the ground outside Buffalo City Hall by officers Aaron Torgalski and Robert McCabe. Gugino's skull was fractured when the back of his head hit the sidewalk. The fall, which was captured on cell phone video, happened moments after Gugino approached a moving line of officers.Torgalski and McCabe are facing second-degree assault charges. They remain suspended without pay. 905