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Lloydsbank by your side.

Welcome to the Clark Howard Show, our mission to serve and empower you so you make better

financial decisions in your life.

You know, today everyone's talking about the coming economic recovery.

But I have a warning for you in your own life.

So out of hardship can come opportunity.

I'm going to share with you one reason this might be the right time for you to open your

own business.

So we as consumers in many cases have felt imprisoned over the last year of the epidemic.

And a lot of people who have maintained employment have found they've actually spent less money

over the last year, even if they have maintained employment.

Obviously, we have tens of millions of Americans, perhaps 50 million or so, who have suffered

severe financial hardship to moderate financial hardship through the pandemic with job loss,

income loss, loss businesses and the rest.

The rest of the workforce has generally been in better financial condition over the

...