The pandemic brought on the worst financial crisis since the Great Depression. Even with the promise of new vaccines, public health experts don’t expect life to go back to normal anytime soon.

The economy started to recover from being shut down from June to October, says Jill Schlesinger, personal finance expert and host of “Jill on Money.” The U.S. lost 22 million jobs over the course of two months, and about 12 million have returned so far, she says.

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