Black_AJ0 women_NN2 were_VBD hit_VVN the_AT0 hardest_AJS with_PRP income_NN1 loss_NN1 this_DT0 year_NN1 ._SENT Whether_CJS you_PNP lost_VVD a_AT0 job_NN1 or_CJC had_VHD to_TO0 close_VVI down_AVP your_DPS business_NN1 or_CJC downsize_VVB your_DPS clientele_NN1 ,_PUN collectively_AV0 ,_PUN the_AT0 pandemic_AJ0 hit_VVD our_DPS pockets_NN2 the_AT0 hardest_AJS ._SENT According_VVG to_PRP U.S._NP0 News_NN1 ,_PUN Black_AJ0 women_NN2 had_VHD a_AT0 6_CRD %_NN0 drop_NN1 in_PRP employment_NN1 in_PRP 2020._CRD That_DT0 income_NN1 loss_NN1 affects_VVZ how_AVQ we_PNP manage_VVB our_DPS debt_NN1 ._SENT Student_NN1 loans_NN2 ,_PUN credit_NN1 cards_NN2 and_CJC medical_AJ0 bills_NN2 are_VBB hard_AJ0 to_TO0 pay_VVI when_CJS you_PNP are_VBB experiencing_VVG income_NN1 loss_NN1 ._SENT It_PNP 's_VBZ also_AV0 hard_AJ0 to_TO0 manage_VVI debt_NN1 when_CJS there_EX0 are_VBB no_AT0 savings_NN2 ._SENT Four_CRD in_PRP 10_CRD Americans_NN2 say_VVB they_PNP do_VDB n't_XX0 have_VHI adequate_AJ0 savings_NN2 to_TO0 cover_VVI an_AT0 unexpected_AJ0 expense_NN1 of_PRF just_AV0 $_NN0 400_CRD or_CJC more_AV0 ,_PUN according_VVG to_PRP the_AT0 Federal_AJ0 Reserves_NN2 ._SENT With_PRP no_AT0 savings_NN2 ,_PUN it_PNP 's_VBZ challenging_AJ0 to_TO0 manage_VVI the_AT0 debt_NN1 you_PNP were_VBD already_AV0 trying_VVG to_TO0 rid_VVI yourself_PNX of_PRF before_AV0 losing_VVG a_AT0 job_NN1 ._SENT 
You_PNP 're_VBB not_XX0 alone_AJ0 in_PRP figuring_VVG out_AVP how_AVQ to_TO0 manage_VVI the_AT0 debt_NN1 without_PRP letting_VVG it_PNP drown_VVI you_PNP ._SENT replaced-dns_NP0 spoke_VVD with_PRP entrepreneur_NN1 and_CJC millennial_AJ0 money_NN1 expert_NN1 Tonya_NP0 Rapley_NP0 about_PRP managing_VVG our_DPS debt_NN1 during_PRP a_AT0 time_NN1 of_PRF income_NN1 loss_NN1 ._SENT 
Know_VVB What_DTQ You_PNP Can_VM0 Afford_VVI 
Now_AV0 that_CJT you_PNP have_VHB an_AT0 income_NN1 loss_NN1 ,_PUN it_PNP 's_VBZ time_NN1 to_TO0 manage_VVI your_DPS expectations_NN2 on_PRP what_DTQ you_PNP can_VM0 afford_VVI ._SENT Look_VVB at_PRP your_DPS savings_NN2 and_CJC what_DTQ you_PNP may_VM0 receive_VVI from_PRP unemployment_NN1 ,_PUN then_AV0 look_VVB at_PRP your_DPS living_AJ0 expenses_NN2 and_CJC debt_NN1 ._SENT "_PUQ If_CJS it_PNP 's_VBZ just_AV0 enough_AV0 to_TO0 keep_VVI you_PNP above_PRP water_NN1 ,_PUN then_AV0 contact_VVB any_DT0 companies_NN2 that_CJT you_PNP have_VHB credit_NN1 cards_NN2 with_PRP or_CJC any_DT0 debt_NN1 with_PRP to_TO0 inform_VVI them_PNP of_PRF what_DTQ 's_VBZ going_VVG on_AVP ,_PUN "_PUQ Rapley_NP0 said_VVD ._SENT 
Be_VBI Transparent_AJ0 with_PRP Creditors_NN2 
Rapley_NP0 shared_VVD that_CJT the_AT0 most_AV0 significant_AJ0 mistake_NN1 people_NN0 make_VVB is_VBZ not_XX0 reaching_VVG out_AVP to_PRP creditors_NN2 in_PRP a_AT0 time_NN1 of_PRF income_NN1 loss_NN1 ._SENT She_PNP suggests_VVZ having_VHG a_AT0 conversation_NN1 with_PRP the_AT0 companies_NN2 that_CJT you_PNP owe_VVB ._SENT "_PUQ The_AT0 thing_NN1 about_PRP the_AT0 pandemic_AJ0 is_VBZ that_CJT it_PNP is_VBZ not_XX0 necessarily_AV0 a_AT0 personal_AJ0 emergency_NN1 ,_PUN like_PRP a_AT0 lot_NN1 of_PRF people_NN0 might_VM0 experience_VVI in_PRP the_AT0 past_NN1 ._SENT It_PNP 's_VBZ a_AT0 global_AJ0 crisis_NN1 ,_PUN "_PUQ she_PNP shared_VVD ._SENT By_PRP talking_VVG to_PRP creditors_NN2 ,_PUN you_PNP may_VM0 discover_VVI that_CJT they_PNP have_VHB programming_NN1 in_PRP place_NN1 to_TO0 waive_VVI payments_NN2 or_CJC lower_AJC payments_NN2 to_PRP just_AJ0 interest_NN1 ._SENT "_PUQ They_PNP ca_VM0 n't_XX0 even_AV0 receive_VVI the_AT0 help_NN1 that_DT0 's_VBZ available_AJ0 because_CJS they_PNP do_VDB n't_XX0 reach_VVI out_AVP for_PRP it_PNP ,_PUN or_CJC they_PNP do_VDB n't_XX0 communicate_VVI that_CJT they_PNP 're_VBB in_PRP need_NN1 of_PRF help_NN1 ,_PUN "_PUQ she_PNP added_VVD ._SENT 
Stabilize_VVB &_NP0 Cover_VVB Your_DPS Expenses_NN2 
Do_VDB n't_XX0 worry_VVI about_PRP building_VVG up_AVP your_DPS savings_NN2 if_CJS you_PNP ca_VM0 n't_XX0 afford_VVI to_PRP ._SENT "_PUQ If_CJS you_PNP 're_VBB in_PRP a_AT0 financial_AJ0 emergency_NN1 ,_PUN you_PNP need_VVB to_TO0 be_VBI focusing_VVG on_PRP stabilizing_VVG and_CJC how_AVQ you_PNP can_VM0 replace_VVI your_DPS income_NN1 or_CJC how_AVQ you_PNP can_VM0 bring_VVI in_PRP additional_AJ0 income_NN1 ,_PUN "_PUQ Rapley_NP0 said_VVD ._SENT Instead_AV0 ,_PUN use_VVB your_DPS stimulus_NN1 check_NN1 or_CJC any_DT0 unexpected_AJ0 money_NN1 that_CJT comes_VVZ your_DPS way_NN1 to_TO0 catch_VVI up_AVP ._SENT However_AV0 ,_PUN if_CJS your_DPS unemployment_NN1 check_NN1 covers_VVZ your_DPS expenses_NN2 ,_PUN consider_VVB setting_VVG aside_AV0 the_AT0 additional_AJ0 income_NN1 that_CJT comes_VVZ your_DPS way_NN1 into_PRP savings_NN2 ._SENT Once_CJS your_DPS financial_AJ0 emergency_NN1 is_VBZ stabilized_VVN ,_PUN Rapley_NP0 says_VVZ you_PNP can_VM0 then_AV0 focus_VVI on_PRP other_AJ0 opportunities_NN2 ._SENT "_PUQ You_PNP can_VM0 play_VVI on_PRP offense_NN1 instead_AV0 of_PRF defense_NN1 ,_PUN but_CJC initially_AV0 ,_PUN you_PNP want_VVB to_TO0 make_VVI sure_AJ0 you_PNP just_AV0 get_VVB yourself_PNX into_PRP a_AT0 relatively_AV0 stable_AJ0 situation_NN1 ,_PUN "_PUQ she_PNP said_VVD ._SENT 
Manage_VVB Your_DPS Medical_AJ0 Bills_NN2 
As_CJS some_DT0 of_PRF us_PNP lose_VVB our_DPS income_NN1 ,_PUN we_PNP often_AV0 lose_VVB our_DPS healthcare_NN1 benefits_NN2 ,_PUN too_AV0 ._SENT During_PRP the_AT0 pandemic_AJ0 ,_PUN getting_VVG COVID-19_AJ0 ,_PUN managing_AJ0 chronic_AJ0 illness_NN1 or_CJC autoimmune_NN1 disease_NN1 or_CJC having_VHG any_DT0 medical_AJ0 emergency_NN1 during_PRP a_AT0 time_NN1 of_PRF income_NN1 loss_NN1 can_VM0 be_VBI challenging_AJ0 ._SENT You_PNP can_VM0 often_AV0 seem_VVI like_CJS you_PNP 're_VBB drowning_VVG in_PRP medical_AJ0 bills_NN2 ,_PUN but_CJC Rapley_NP0 says_VVZ you_PNP can_VM0 manage_VVI them_PNP ,_PUN too_AV0 ._SENT "_PUQ Have_VHB a_AT0 conversation_NN1 with_PRP [_PUL healthcare_NN1 providers_NN2 ]_PUR ,_PUN find_VVB out_AVP what_DTQ your_DPS options_NN2 are_VBB at_PRP the_AT0 end_NN1 of_PRF the_AT0 day_NN1 ._SENT That_DT0 's_VBZ going_VVG to_TO0 be_VBI one_CRD of_PRF the_AT0 things_NN2 you_PNP really_AV0 want_VVB to_TO0 do_VDI is_VBZ find_VVI out_AVP what_DTQ your_DPS options_NN2 are_VBB ,_PUN "_PUQ she_PNP said_VVD ._SENT 
Have_VHB a_AT0 Plan_NN1 For_PRP When_CJS Unemployment_NN1 Ends_NN2 
As_CJS more_DT0 jobs_NN2 become_VVB available_AJ0 ,_PUN unemployment_NN1 benefits_NN2 and_CJC other_AJ0 government_NN1 aid_NN1 may_VM0 change_VVI or_CJC cease_VVI based_VVN on_PRP the_AT0 economy_NN1 ._SENT Rapley_NP0 shared_VVD that_CJT it_PNP 's_VBZ essential_AJ0 to_TO0 be_VBI employable_AJ0 when_CJS the_AT0 financial_AJ0 assistance_NN1 ends_NN2 and_CJC pay_VVB off_AVP as_PRP much_DT0 debt_NN1 as_CJS possible_AJ0 ._SENT "_PUQ If_CJS you_PNP 're_VBB making_VVG more_DT0 money_NN1 on_PRP unemployment_NN1 ,_PUN then_AV0 use_VVB that_DT0 money_NN1 to_TO0 get_VVI ahead_AV0 so_AV0 that_CJT when_CJS your_DPS unemployment_NN1 runs_VVZ out_AVP ,_PUN and_CJC you_PNP have_VHB to_TO0 go_VVI back_AVP to_PRP the_AT0 workforce_NN1 ,_PUN even_AV0 if_CJS the_AT0 wages_NN2 are_VBB n't_XX0 as_PRP much_DT0 ,_PUN you_PNP 've_VHB gotten_VVN ahead_AV0 on_PRP what_DTQ you_PNP need_VVB to_TO0 get_VVI ahead_AV0 on_AVP ,_PUN "_PUQ she_PNP shared_VVD ._SENT When_CJS dealing_VVG with_PRP debt_NN1 ,_PUN it_PNP 's_VBZ always_AV0 better_AJC to_TO0 plan_VVI and_CJC be_VBI prepared_VVN ._SENT 
Set_VVB Boundaries_NN2 with_PRP Family_NN1 
The_AT0 "_PUQ Black_AJ0 tax_NN1 "_PUQ is_VBZ another_DT0 debt_NN1 that_CJT may_VM0 be_VBI difficult_AJ0 to_TO0 manage_VVI while_CJS looking_VVG for_PRP a_AT0 new_AJ0 source_NN1 of_PRF income_NN1 ._SENT You_PNP are_VBB no_AV0 longer_AV0 the_AT0 person_NN1 people_NN0 can_VM0 go_VVI to_PRP for_PRP financial_AJ0 help_NN1 ,_PUN but_CJC you_PNP must_VM0 get_VVI rid_VVN of_PRF the_AT0 guilt_NN1 ._SENT Rapley_NP0 believes_VVZ this_DT0 is_VBZ the_AT0 perfect_AJ0 time_NN1 to_TO0 set_VVI those_DT0 boundaries_NN2 with_PRP family_NN1 members_NN2 ._SENT "_PUQ One_CRD ,_PUN people_NN0 will_VM0 figure_VVI out_AVP how_AVQ to_TO0 do_VDI what_DTQ they_PNP need_VVB to_TO0 do_VDI for_PRP their_DPS financial_AJ0 situation_NN1 ._SENT Two_CRD ,_PUN you_PNP have_VHB to_TO0 be_VBI able_AJ0 to_TO0 be_VBI financially_AV0 stable_AJ0 without_PRP worrying_VVG about_PRP taking_VVG care_NN1 of_PRF other_AJ0 people_NN0 ,_PUN "_PUQ she_PNP said_VVD ._SENT Have_VHB honest_AJ0 conversations_NN2 with_PRP the_AT0 family_NN1 members_NN2 you_PNP once_AV0 supported_VVD about_PRP your_DPS situation_NN1 ._SENT If_CJS they_PNP ca_VM0 n't_XX0 help_VVI you_PNP ,_PUN then_AV0 you_PNP ca_VM0 n't_XX0 support_VVI their_DPS financial_AJ0 needs_NN2 at_PRP the_AT0 time_NN1 ._SENT "_PUQ It_PNP 's_VBZ time_NN1 for_PRP them_PNP to_PRP kind_NN1 of_PRF stand_NN1 on_PRP their_DPS own_DT0 two_CRD feet_NN2 and_CJC create_VVB financial_AJ0 solutions_NN2 for_PRP themselves_PNX ,_PUN but_CJC then_AV0 also_AV0 it_PNP underscores_VVZ the_AT0 need_NN1 for_PRP you_PNP to_TO0 fortify_VVI your_DPS financial_AJ0 foundation_NN1 before_PRP supporting_VVG another_DT0 household_NN1 ,_PUN "_PUQ Rapley_NP0 advised_VVD ._SENT 
Rapley_NP0 is_VBZ the_AT0 new_AJ0 co-host_NN1 for_PRP Season_NN1 2_CRD of_PRF the_AT0 Crackle_VVB Original_AJ0 award-winning_AJ0 series_NN0 ,_PUN Going_VVG From_PRP Broke_AJ0 ._SENT 
