The economic climate that millions of Americans find themselves in this April likely isn't the one they had anticipated or budgeted for.  A new unemployment report showed the rate ticking downward slightly, but only after rising in the month before. Progress toward lowering inflation has stalled, meanwhile, with the rate consistently sitting at 2.4% in recent months – still above the Federal Reserve's target 2% goal. The Fed, at the same time, has refused to cut interest rates at all so far in

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