Hi, Jill. I just wanted to thank-you and Gabriel for your very practical advice. I was reminded of Maslow’s hierarchy: we need to secure our basics needs first before we began to worry about who, why, what is going on behind the scenes of this virus. Bottom line is people are going to be devastated financially and some, hopefully, don’t have to be if they follow your very sound advice. I took your financial advice to heart last year and turned our family’s financial situation around using Dave Ramsey’s method. It works! Thanks again. xo Melanie.

(This JRF Member experience is here)