In this June 29, 2020 file photo, a cyclist sits on a Hoyt Park bench in Saginaw, Mich. It has been months since many people first learned what a shelter-in-place order even meant. As restrictions are slowly lifted, it’s now time to reflect. This is a meaningful opportunity to learn from what we’ve all experienced. Experts explore some of the financial repercussions of this pandemic, including what Americans have been learning in the process, and how they’ll likely apply these lessons to life after the outbreak is over. (AP Photo/Charles Rex Arbogast, File)