tiny figures pushing giant piggybank up steep hill As they come back to work over the next fewweeks and months, employers need to face reality: Their employeesneed to be better prepared for the unexpected. (Photo:Shutterstock)

The coronavirus pandemic came out of nowhere, jumped from thetop rope, and body-slammed the already-vulnerable Americanemployee. Nobody saw it coming. And now, four months into thisthing? Nearly 43 million people have filed for unemployment.

It didn't have to be like this for them. They could have hadenough in savings to get them through a layoff. They could haveeliminated the debt that's eating into their ability to financiallysurvive something like this. They could have had the peace of mindthat comes with following a budget.

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