Brexit

I think I am beginning to understand what is happening with Brexit, but I am not totally sure about it. I've tried to wrap my head around what it all means and will mean in the future. 

I went to bed last night with the world being one way and woke up with everything changed. The news makes no sense to me, everybody is pushing their own views on it. It seems to be who talks the fastest and gets their words in first. So, okay, if you would please tell me in your own words (no filibustering, please, and no links) what the heck is going on and how this all is going to affect you. I don't care where you live, this appears to be a global thing.

First thing I noticed, was that the stock market is down, way down. Could this have a permanent effect on DH's retirement? Gold and silver went up, but our money is not in metals. The dollar is on it's way up and the pound is down. (the lowest I can recall)

Brexit seems to be affecting more than the UK. Am I wrong?

I detest politics, mostly because I cannot understand the ramifications of each political move.