Personal finance

FILE - In this March 17, 2020 file photo, Carmen Zamora shops at Northgate González Market in Santa Ana, Calif., during an early-hour shopping time for those over 65 and the disabled. Taxpayers will pay restaurants to make three meals a day for California's millions of seniors during the coronavirus pandemic, Gov. Gavin Newsom announced Friday, April 24, 2020, putting the industry back to work and generating sales tax collections for cash-strapped local governments. California has about 5.7 million people 65 and older, but not all of them will be eligible. Newsom said seniors must have either been exposed to the virus, have a high risk for potential exposure or a compromised immune system. (AP Photo/Chris Carlson)

FILE - In this Aug. 13, 2019, file photo, students walk past the statue of John Harvard in Harvard Yard at Harvard University in Cambridge, Mass. U.S. Education Secretary Betsy DeVos on Wednesday, April 22, 2020, urged the nation's richest colleges, including Harvard, to reject federal funding that was allotted to them in the government's multi-trillion dollar coronavirus rescue package. (AP Photo/Charles Krupa, File)

Health and Human Services Secretary Alex Azar speaks during a visit to the GE Healthcare manufacturing facility Tuesday April 21, 2020, in Madison, Wis. (AP Photo/Morry Gash)

Administrator of the Centers for Medicare and Medicaid Services Seema Verma speaks about the coronavirus in the James Brady Press Briefing Room of the White House, Tuesday, April 7, 2020, in Washington. (AP Photo/Alex Brandon)

A Chipotle Mexican Grill restaurant is seen at the Simi Valley Town Center, Tuesday, April 21, 2020, in Simi Valley, Calif. Federal prosecutors say Chipotle Mexican Grill has agreed to pay a record $25 million fine to resolve criminal charges that it served tainted food that sickened more than 1,100 people in the U.S. from 2015 to 2018. The fast food company was charged Tuesday in Los Angeles federal court with two counts of violating the Food, Drug, and Cosmetic Act by serving adulterated food. The charges stem from outbreaks of norovirus, which causes diarrhea, at Chipotle restaurants. The virus is easily transmitted by infected food food workers. The Newport Beach, California-based company will avoid conviction by improving its food safety. (AP Photo/Mark J. Terrill)

FILE - In this Dec. 9, 1997 file photo, Arizona Gov. Jane Hull, nearing her 100th day in office, poses from a state capitol balcony which overlooks Phoenix. Hull, the first woman elected governor of Arizona and the state's first female House speaker, has died. She was 84. Gov. Doug Ducey announced her death on Friday, April 17, 2020 saying, “Governor Hull dedicated 25 years to principled public service.” (AP Photo/Nancy Engebretson, file)

Mounted police officers patrol along a deserted Regent Street in London, as the country is in lockdown to help curb the spread of the coronavirus, Wednesday, April 15, 2020. Experts in the UK have warned that the economy could shrink by up to 35% as a knock on effect of the lockdown. The highly contagious COVID-19 coronavirus has impacted on nations around the globe, many imposing self isolation and exercising social distancing when people move from their homes. (AP Photo/Frank Augstein)

A Thai shopkeeper checks a gold necklace after a customer sold the piece to the gold shop in Bangkok, Thailand, Thursday, April 16, 2020. With gold prices rising to a seven-year high, many Thais have been flocking to gold shops to trade in their necklaces, bracelets, rings and gold bars for cash, eager to earn profits during an economic downturn.(AP Photo/Sakchai Lalit)

FILE - This Jan. 22, 2020, file photo shows the likeness of Benjamin Franklin on $100 bills in Dallas. Many Americans are struggling financially due to the coronavirus. A recent federal relief package makes it easier for them to tap into their retirement savings by loosening rules for withdrawals and loans. But should they? (AP Photo/LM Otero, File)

FILE - In this file photo taken Tuesday April 14, 2020, California Gov. Gavin Newsom discusses an outline for what it will take to lift coronavirus restrictions during a news conference at the Governor's Office of Emergency Services in Rancho Cordova, Calif. Newsom announced Wednesday, April 15, 2020, that he would spend $75 million of taxpayer money to create a Disaster Relief Fund for immigrants living in the country illegally. (AP Photo/Rich Pedroncelli,File)