⁣It’s hard to believe this year is soon to be over.⁣⁣An unprecedented year. A challenging year. A new normal year.⁣⁣The good thing about this pandemic is everybody on the same storm. Everybody feels the danger. ⁣⁣But we’re not at the same boat. ⁣⁣Some may have stronger immune. Some may have bigger financial buffer. Some may…