In 2021 — for the first time in my adult life ... At the same time, I realized that paying all of my extra money toward loans that weren't accruing interest during the pandemic wasn't ...

Adam said he also used his extra money to build a four-month emergency savings fund and help out a few friends financially.

Earlier this year, the IRS sent some 1 million taxpayers who already had filed 2021 federal income tax returns extra cash out of the blue because they somehow missed out on claiming the stimulus ...