People are nervous about how the next president will impact their finances. And according to the Election & Prosperity Poll from Prosper Marketplace, people aren’t waiting, but taking action now.

Why the urgency? Sixty-seven percent of those polled said their financial circumstances are the same or worse than four years ago. Forty-one percent said getting on top of their finances is a priority for the rest of 2016, topping improving their health and advancing their career.

What to do now?

  • Know what you have and what you need

List your assets and liabilities. Look at your income versus expenses. “A lot of people simply don’t have an idea where all their money is. They often have funds in a retirement account from a former job that they’ve forgotten about,” says Michael Mondiello, a financial adviser in Manhasset.

  • Bridge gaps

“Ask for a better rate on everything from your phone or cable plan to medical bills. You have nothing to lose but a little time. The worst thing they can say is no,” says Janice Goldman, author of “Let’s Talk about Money: The Girlfriends’ Guide to Protecting Her ASSets.”

advertisement | advertise on newsday

Adjust your tax withholding if necessary. “Instead of receiving a large refund, use a savings or money market account to make interest off the difference,” says Teresa Martin, financial coach and founder of Enjoy Your Legacy in Manhattan.

  • Live by new rules

Mandy Williams, co-author of “What I Learned About Life When My Husband Got Fired!” offers a few money mantras: “Credit cards are not loan cards, I will think before I spend, I will approach budgets with a new attitude.”