The following is a transcription of a podcast recording. Hello, I’m Brian Skrobonja, and you’re listening to the Common Sense Financial podcast, I think that we would all agree that 2020 has been a year for the history books. covid-19 has shifted the way we think, how we spend our time, how we conduct business, our entertainment, virtual learning. Just when you stop and think about it, everything just seems to be different. Of course, like all things, we eventually adapt to a new normal, but it does take some time and it takes learning new ways of doing things.