It's changed every aspect of American life, and it very well may change the way people spend, save, and invest their money for good.
"I think the Great Recession, plus this pandemic, has really pushed people to be more conservative than the traditional financial planning models would have them be," financial planner Anna N'Jie-Konte, founder of Dare To Dream Financial Planning, tells Business Insider. For a generation that's dealt with now two major economic crises, cash might seem a more valuable asset than investments.According to a 2018 survey of 12,000 households by the Federal Reserve, four in 10 American households said they
for even bigger savings that could span 12 months worth of expenses. "There's going to be a whole lot more people searching for security and certainty versus flexibility," N'Jie-Konte says. "I think, unfortunately it's also going to lead to people holding a lot more cash. I had a client of mine recently tell me that she now wants to have a year's worth of expenses in cash.
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