Verkkoin the face of massive employment disruption worldwide, government financial support provided essential support for families and. Verkkothe importance of financial literacy. Individuals, families, and communities who are financially literate (or financially educated) tend to make better financial decisions. Verkkothe direct effects are the loss of family members, anxiety feelings related to family loss, increased unemployment, limited physical and social contact, family stress,. Verkkofinancial services are one type of resource or opportunity within economic environments that may influence families’ financial stress and well. Kelley et al. , 2020), and.