https://www.grc.com/inspectre.htm

You can use the above utility to check your own exposure.

Just for a little context... so far spectre and meltdown are proof of concept only. No-one has actually found any evidence of a real breach. Still pretty scary though.

That said, most people are probably still more at risk of standard human vector attacks than either of these.

So standard security advice applies. Make your passwords long.
"ThisIsMyReallyLongPasswordThatNooneWillGuess" is far better than "p4$$W0rd". Use a password manager so that each site you visit has a different, unique (and long) password.

And patch your devices.

Fair enough, but the more passwords my squishy meat bag brain has to remember, the more likely I am to make them easier to guess.

On the other hand, if I only need one password, I can make it ridiculously long (favourite line from a song or poem or movie, for example).

An 8 character password with a mix of lower and upper case, numbers and let’s say 10 symbols (@&$!, etf) has (26+26+10+10)^8 possible combinations: ~ 722 trillion.

A ten character password of just letters has 52^10 possibile combinations: ~144555 trillion

longer is better than complicated