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                      | Happy Wednesday, money readers. It's David here. Let's run through our top stories. | 
                                                                              | It's become pivot or perish for many small businesses that once depended on gatherings to make money in the pre-coronavirus era. In Milwaukee, smaller companies are selling care packages and offering virtual events to survive COVID-19. | 
                                                                              | Another retailer is fading during COVID-19. Pier 1 Imports, which previously said it would close half of its fleet of stores, now plans to close all of its locations because of the pandemic. | 
                                                                              | Will I lose it if I don't use it? The IRS and the coronavirus relief act give employees more options so they don't lose unspent money in flexible spending accounts. | 
                                                                              | For more money and tech news, keep scrolling down. | 
                                                                              | David Brinkerhoff, Deputy Money Editor | 
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