For many people, when the pandemic and shelter in place dramatically changed our personal and professional lives, their general anxieties about financial security shot to the sky. As someone who has "bag lady syndrome," I was surprised that I didn't crawl under my bed and assume a fetal position. The hypothetical scenario of the world coming to an end was something I imagined for years. But I didn't hide, and I will circle back to why in a few paragraphs.

The reality is that no one can predict when the economy will rebound, and very few, if any, are suggesting anytime soon. For now, people will, understandably so, continue to be worried about their financial future.