After one hell of a year — 10 New Year’s resolutions to stay on top of the world in 2021 MarketWatch 1/9/2021 Before 2020, Russell Jessop knew the wisdom in having emergency savings tucked away. But the year’s financial mayhem supplied him — and millions more — with a harrowing master class on that point. “It’s just unbelievable how fast things can change,” said the 23-year-old pipe welder working in North Dakota’s oil wells and natural gas facilities. From month to month, even week to week, “the landscape of your life can be world apart,” Jessop said. Federal Reserve Chairman Jerome Powell would agree; data from the country’s central bank showed 40% of the jobs under $40,000 that existed in February were gone by March in an economy buckling from the pandemic.