Many people waiting for the federal cavalry to rescue them in these financially desperate times possibly won’t hear a bugle call for months.

When Congress passed its $2.2 trillion COVID-19 relief/stimulus bill on March 25 it was announced that most Americans would be receiving a direct government payment in the amount of $1,200 for individuals making less than $75,000 a year, $2,400 for couples making less than $150,000 and $500 per child, meaning a family of four would receive $3,400.