2021 is going to be bad year in America regardless of who wins the election

• Its impossible to make all the money that has been printed over the past year disappear – and even if we have a competent president next year – he’s going to deal with it hang over
• Inflation and higher interest rates will put a damper on economic growth and make everybody feel poorer
• It’s going to be hard to get a lot of people back in the Labor Force after so many month outside of the work
• The housing crisis is enormous, even if it’s paused for now by eviction moratorium – people aren’t going to instantly find back rent or missed mortgage payments
• Even if a vaccine is available its unlikely to be hundred percent effective and health risks will remain for sensitive groups