In the days since Russia’s invasion of Ukraine, plenty of people have tried to predict what it will mean for gas prices or interest rates or your investments.There is no harm or shame in this, not exactly at least. Self-preservation — and its attendant instinct, wealth preservation — is an understandable impulse. It is reasonable for prognosticators to try to settle people and markets down, even though forecasters regularly get it wrong.But as with any act of military aggression that has the potential to rattle global finance, one immediate question ought to be this: Who is most likely to need help right away?Chances are, it’s babies whom hospital personnel have had to move to basements and the people who are taking shelter in subway stations or fleeing their homes. Many of those adults had no 401(k) in the first place. Even those who have the least among their neighbors may lose more than they ever thought possible.If you’re reading this, you are probably not among them. We’re entering Year 3 of a global pandemic, but you are still alive, even if …
