You need to vote for anyone other than Obama and I mean someone that will replace Obama. Until there are changes in tax and economic policies there is not a great deal one can do. But then that assertion is predicated on the individuals resources. If Obama's current corporate tax "reduction" scheme will actually increase tax rates, such as increasing capital gains rates to over 40% from 15% predicated on some misguided illusion that only rich people receive dividends and capital gains.
Most people have retirement and investment accounts. And average retired people depend on dividends to supplement social security. So until we have political stability Americans and the world, will continue to experience economic instability and future uncertainty.