Debt looms over intact or improved finances during recovery. Hold any gains and beware the buy now, pay later option on small purchases. 3/4 of users dropped their credit scores. / Picking up the Pieces: Rare opportunity exists to open businesses with less cost and less risk, especially in the restaurant industry.\nAsk Clark topics include: Car rental insurance, Internet based business phone systems - Ooma & 8x8, Trip Adviser for vacation planning, Do Not\xa0Give\xa0Your\xa0Social Security Number\xa0at These Places, Wyze\xa0Cam smart\xa0security\xa0camera for $20 - Clark Deals - Your Guide to DIY\xa0Home Security\xa0Systems - Clark Howard.\n\nWant more money advice? Sign up for Clark\u2019s free daily newsletter!\nLearn more about your ad choices. Visit megaphone.fm/adchoices