The coronavirus pandemic has upended the lives and finances of millions. A federal relief package aiming to provide payments to distressed consumers passed Friday — but that money is not likely to land for a number of weeks.

While you'll have to wait for whatever money you might be eligible for, now is the time to prep your finances and plan. The best use of this money depends on your individual circumstances. Here's how to think it through.

DO THIS PREP WORK, REGARDLESS OF YOUR SITUATION

This is the time to examine your money situation and build savings, if possible. The fallout from the pand...