Many Americans are facing an uncertain financial future right now. The coronavirus pandemic, though, hasn’t been all bad economic news. Strict stay at home orders have meant fewer expenses in many areas: travel, eating out, cultural events, gas, new clothing, etc. Similarly, the importance of an emergency fund, has become evident to most people, and causing them to reduce their extraneous spending. In fact, the personal savings rate — the sum people are putting away as a percentage of their disposable…