Yep... we aren't the worst off... there are others that have more expenses than us that will end up sinking faster. It's going to be a rough year for everyone (mostly everyone... there are some who will do just fine or even better...).
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Indeed. Some of my friends, now not commuting or paying child-minding fees, are saying they are a little better off at present. For the majority though, 2020 is going to be one to forget.