Yesterday the World Health Organization officially declared Covid-19 a pandemic (like we didn’t already know this.) As well, President Trump addressed the nation, closing American borders to all flights from Europe and announcing some ways he intends to help the people of the United States financially. In unofficial terms, this is sh#t getting real. Things are going to get worse – possibly much worse – before they get better. Illness completely aside, this will cause financial problems that many folks will feel for years after the pandemic is over. The biggest question people are asking now is, “When?” When will...