The article explores how different types of households behave in an uncertain economy. As the economy grows and the stock market goes up, some households spend less of their income, while wealthier, risk-taking households see their wealth increase. Wealthier households also have investments that are more affected by changes in the stock market. When uncertainty is high, stock prices, risk premiums, and wealth inequality all go up. This research shows that households change how they manage their money based on how the economy is doing.