When we rang in the new year in January 2020, nobody expected that the entire world would soon be battling a pandemic. By March, however, it was clear that the situation wasn’t going to get better. It wasn’t just our health and safety that was compromised. Many of us lost our jobs, too. Suddenly, our next mortgage payment—for some, their next meal—was in danger. Everyone was caught off guard—those with no savings, life insurance, or any form of health plan even more so. Having lived through the worst of 2020, we’re hopefully better equipped to face what 2021 has in store for us.