Brooke Young has a mortgage, car payments, and credit-card bills, but she’s also lucky enough to have a job at a time when record numbers of Americans are out of work. So when the $1,200 stimulus check hit her bank account, she donated some of the money.

The Salt Lake City public librarian gave $50 each to a mutual aid group that buys groceries for people in need; a group that helps laid off…

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