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I was on a call with an investment advisor this morning and he took the position that nearly all the stimulus money reaching individuals would go straight into consumer spending. I'm not so sure that's so. Let's take a poll on how you'll use your stimulus money. There are only five choices so which one best represents your family?
Reduce long term debt (e.g., mortgage, car loan)
Reduce debt run up specifically due to COVID
Consumer spend on long-term need (e.g., new fridge)
Consumer spending on "fun" things (e.g., trip, dining out)
No plans

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