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If someone approached us a year ago and told us that, in 2020, the country would shut down for three months; the busiest cities across the world would be empty of traffic; schools and colleges would close for an entire semester and blockbuster releases would be put on hold indefinitely, we probably would not have believed them.

Summer is here, and many Americans are itching for a vacation. But is it possible to travel safely right now? Is an airplane really a flying Petri dish to be avoided until the pandemic blows over? Can you take a road trip if it means making rest stops in three different states?

Q: The last few months have been really tough on my finances, and I’ve been forced to use my savings for getting by. My emergency fund and savings account are basically zero. Now that my financial situation is starting to improve, I’d like to start building these up again, but it’s all so overwhelming. Where do I begin?