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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.

<strong> I have worried about a few people that I know</strong> for whom the pandemic has rendered <strong> without food and in danger of homelessness. By making donations of the government stimulus checks I have helped a couple of people.</strong> At times as a single mother I have been short on spending money, but I’ve never personally been without food or a home.<strong> 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.</strong> 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.<strong> I wish that people would see security in their own solvency even if the savings are only five bucks out of each pay check.</strong>