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We know that COVID-19 is hitting some racial/ethnic communities harder than others. Is this something you think about? If so, share some of your thoughts.

I have worried about a few people that I know for whom the pandemic has rendered without food and in danger of homelessness. By making donations of the government stimulus checks I have helped a couple of people. At times as a single mother I have been short on spending money, but I’ve never personally been without food or a home. I hope that more people come out of this wanting to recover from debt and with the control to actually start emergency funding for their families. My philosophy has always been to save first and then spend what is left. In that way there is always a little nest egg for the chance of disaster like this. I don’t know what is recommended today, but I’ve always thought that there should be enough in savings to live without income for a few months. I wish that people would see security in their own solvency even if the savings are only five bucks out of each pay check.