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As Americans emerge from the pandemic’s shadow cast over the past year, you can almost hear a collective sigh of relief across the country. There is a light at the end of the tunnel – albeit a ways off.

The pandemic plunged the U.S. economy into a deep recession, leaving many employees in its financial wake. Maybe it’s a spouse who lost their job for several months (or forever), medical bills piling up, rent that is long overdue, or credit cards that were maxed out just to keep the lights on. Many of today’s workers face a tough financial battle, at least in the immediate future. Consider this:

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