COVID-19 has had an impact on the lifestyles, health, and livelihoods of billions of people worldwide. In addition to having serious health consequences, the pandemic has slowed global economic growth, increased global poverty, and increased unemployment. Even in these difficult times, however, some segments and businesses have thrived because they were either the need of

1. Identify Stress Factors Make a list of your long-term and short-term financial goals and commitments. Determine which factors are causing or may cause financial stress in the near future. Stress-inducing factors include behavioral disorders, gaming & internet addiction, alcohol and nicotine addiction, and others. 2. Recognize the resources available to counter the stress Factors.