“I’m a 63-year-old widow laid off from my restaurant job of 34 years. . . . I’ll never be able to make the money I was making before COVID. . . . I don’t have a lot of savings as I worked paycheck to paycheck, I have about $40,000 in my 401(k). I owe $100,000 on my house. I’m kind of lost right now, no job and afraid to go back because I’m in the high-risk category. Advice would be appreciated.â€[1]