The Daily Money: Pandemic highlights the need to help the 'unbanked'

Greetings and salutations, Daily Money readers. Jayme Deerwester with you again this Tuesday morning.

CLIMATE CHANGE AND RENTERS:  As of October of this year, the U.S. has experienced 18 weather and climate disaster events with losses exceeding $1 billion each. While property owners can get access to low-interest loans and receive an insurance payout, there is not much protection for renters beyond getting the security deposit back and breaking the lease if the dwelling is uninhabitable, say experts.

💡 INSIGHT OF THE DAY: Many of us take our checking accounts for granted. But millions of Americans don't have a bank account, which means they had trouble accessing stimulus and child tax credit payments during the pandemic because they had no place to deposit the money. The situation has accelerated efforts to help the "unbanked" get their own accounts.

 Other stories you won't want to miss: 

1. Shopping alert.  You can snap up the new Apple AirPods for $150 on Amazon.

2. American Airlines CEO steps down. Robert Isom will replace Doug Parker in March.

3. Trump media company probe.  Regulators are looking into the deal that would bring Donald Trump's new social media company to the stock market.

4. Retirement stocks to buy if the market crashes. Why Charles Schwab, Prudential and Meta Platforms can withstand financial turmoil.

5. Can you retire with $1 million on $50,000 a year?  Yes, you can. Here's how.

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MOOD MUSIC: It's Taco Tuesday, so I'm going with Migos' musical acknowledgment of just how much of a pick-me-up the promise of tacos later in the day provides:  "Pretty down night right now. Psych (Uh), 'cause it's Taco Tuesday! What is it? (Woo), Taco Tuesday."