Good morning! It’s Daniel de Visé with your Daily Money,Phaninc Exchange Election Eve edition. Aren't nailbiter elections fun? And how about all those fresh, informative, not-at-all-repetitive campaign ads? Ha ha.

No, seriously: The 2024 election isn’t just dividing the country and sparking heated family and workplace conflicts, Paul Davidson reports. It’s also affecting how people spend – or don’t spend – their cold, hard cash.

Forty-four percent of young adults say they’re spending less on things like dining out, entertainment and subscriptions because of the election or economic uncertainty, according to an online survey of 18- to 44-year-olds in September and October by Monarch, a personal finance app and website.

Here are all the things we aren't buying.

Do you have a secret 401(k) stash somewhere?

You changed jobs, maybe a few times, since you graduated and joined the rat race. Your company bolted the gates and went out of business. Or maybe you put the memories of a toxic workplace far, far behind you.

And now, you cannot for the life of you figure out how to track down an unclaimed pension or 401(k) plan.

Whom do you even call if you think you had money in a 401(k) decades ago? Or if you thought you were covered by a pension?

Susan Tompor has the answers.

📰 More stories you shouldn't miss 📰

• IRS raises 401(k) limits
• Obamacare premiums may soar unless Congress acts
• Do expensive tickets make sports fans act out?
• New required minimum distribution rules
• Know your IRA contribution limits

🍔 Today's Menu 🍔

TGI Fridays, a favorite casual dining destination, has filed for Chapter 11 bankruptcy protection.

Citing the COVID-19 pandemic among its business challenges, the company filed for bankruptcy Saturday with the U.S. bankruptcy court for the Northern District of Texas in Dallas. The filing encompasses 39 U.S. TGI Fridays locations owned by TGI Fridays Inc., Mike Snider reports.

Here's more on the future of the iconic restaurant chain.

About The Daily Money

Each weekday, The Daily Money delivers the best consumer and financial news from USA TODAY, breaking down complex events, providing the TLDR version, and explaining how everything from Fed rate changes to bankruptcies impacts you.

Daniel de Visé covers personal finance for USA Today.