Market Commentary as Consumers are taken out at the knees by pandemic and draconian government responses; Everyone is going to live smaller; how to appropriately invest; Mask-Match dating; The Great Reset Webinar tease; financial needs; the definition of "Under-employment;" Webinar tease; What We Were Being Told--financial advisors now changing their tune; Financial Cushions; CARES Act will be with us forever; Take-home Tips: Pen and Pad to Make a Budget; re-prioritize spending; no longer buying new; Paradox of Thrift; slower pace of living;