Personal spending

FILE - In this June 17, 2019 file photo, The Supreme Court is seen in Washington. The Supreme Court will consider Trump administration rules expanding religious, moral exemptions from contraceptive coverage. (AP Photo/J. Scott Applewhite)

FILE- In this Nov. 23, 2018, file photo shoppers browse the aisles during a Black Friday sale at a Target store in Newport, Ky. Comparable stores sales at Target fell well below the previous year, joining a growing list of retailers reporting a meager performances during the critical holiday shopping season. Target said Wednesday, Jan. 15, 2020, that it had weaker-than-expected sales of electronics, toys and some home good. Those sales climbed 1.4% in the November-December period, compared with a 5.7% increase a year earlier. (AP Photo/John Minchillo, File)

FILE - In this Feb. 8, 2019, file photo, the logo for Citigroup appears above a trading post on the floor of the New York Stock Exchange. Citigroup’s fourth-quarter profits rose by 15% from a year earlier, as the bank benefited from a boost in trading similar to its competitor JPMorgan Chase. Citi said Tuesday, Jan. 14, 2020, that bond trading revenues were up 49% from a year earlier, when a steep downfall in the last quarter of 2018 took its toll on all banks’ trading desks. (AP Photo/Richard Drew, File)

Democratic Presidential candidate and former New York City Mayor Michael Bloomberg speaks during a rally Friday, Jan. 10, 2020, in Atlanta. (AP Photo/John Bazemore)

Oakland Mayor Libby Schaaf, left, talks with Misty Cross, second from left, Tolani King, center, Sharena Thomas, second from right, and Dominique Walker, all from the group Moms 4 Housing, at a rally outside of City Hall in Oakland, Calif., Tuesday, Jan. 7, 2020. Some California lawmakers said they support a group of homeless women who have been illegally living in a vacant three-bedroom house since November, partly to protest real estate speculators who drive up housing costs in the pricey San Francisco Bay Area. (AP Photo/Jeff Chiu)

FILE - In this Nov. 15, 2019, file photo, Maricopa County Assessor Paul Petersen leaves court in Salt Lake City. He resigned from his elected position on Tuesday, Jan. 7, 2020, months after being charged with running a human smuggling operation that paid pregnant women from the Marshall Islands to give up their babies in the U.S. (AP Photo/Rick Bowmer, File)

In this March 2017, photo, provided by Rep. Kimberly Dudik, Dudik speaks on the floor of the legislature holding her newborn son Marcutio in Helena, Mont. As experts predict another banner year of women running for office, hurdles remain particularly for those like Dudik who have young children. Only six states have laws specifically allowing the use of campaign funds for child care. In most states, including Montana, the law is silent on the issue and up to interpretation by state agencies or boards. (Rep. Nate McConnell/Rep. Kimberly Dudik via AP)

In this Sept. 23, 2019 photo, rescued migrants look at a map of Europe aboard the Ocean Viking humanitarian ship as it sails in the Mediterranean Sea. The misery of migrants in Libya has spawned a thriving and highly lucrative business, in part funded by the EU and enabled by the United Nations, an Associated Press investigation has found. (AP Photo/Renata Brito)

FILE - In this Nov. 26, 2019, file photo Nick Bierman looks at televisions while shopping ahead of Black Friday at a Best Buy in Henderson, Nev. Holiday shopping doesn't end with Christmas. Bargain hunters can take advantage of fatter discounts on clothing, home decor and other items between Christmas and well into January. (AP Photo/John Locher, File)