NPR

$4 In My Bank Account: Pandemic Has Left Millions Of Livelihoods In Limbo

Lilli Rayne's dog-walking business was taking off and she was finally preparing to buy a house. Then the pandemic struck. She's among the millions of Americans struggling to stay afloat right now.
More than 10 million people in the U.S. are out of jobs, and the hardest-hit industries are also some of the lowest paying, including retail, leisure, hospitality and tourism. Source: Sarah Gonzales for NPR

By the end of last year, the door to a dream had begun to crack open for Lilli Rayne.

She'd spent about five years building her dog-walking and pet-sitting business into a profitable venture in Asheville, N.C.

"My whole life had been entirely where I wanted it to be at that point," she recalls.

As she built her business, Rayne also left behind her history of less-than-stellar credit.

"For the first time in my life, I had a credit score that I could have finally bought a home with," she says, a dream she'd had her entire adult life.

Rayne is in her late 30s, and in a good week, she was bringing in about $600. She had

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