During the first wave of covid-19 epidemic, Many financial institutions offers consumers with financial aid for those businesses affected. However, as a bank, we feel that these upfront aids may not be enough for the future. When the next wave of pandemic arise, we have to solve the same problem over and over again. Instead of tackling problem as it comes, we should use this opportunity and prepare everyone to learn about personal cashflow, these short lessons hopefully helps when the next outbreak comes.