In the second weekly episode of the COVID-19 series, Beau talks about:

• Emergency-fund shaming and how we're in survival mode now and there is no point in telling someone they should have had an emergency fund

• Hopefully going through a pandemic without an emergency fund will give you the perspective to start saving once you have surplus income again

• What if you are in a position where you have no surplus income so you can't build savings?

• The dangers of relying on credit as your emergency fund

• This new world of video and how we need to be patient with those who aren't familiar with new technology, and how to protect yourself from hacking with online passwords for video meetings.

• How everyone's situation is different and we can't give blanket financial advice at a time like this, or ever, really.