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Candace seeks advice on whether to take a mortgage forbearance option from her mortgage company after learning that her husband's contract job is ending. They have recently completed building their emergency fund. Candace's husband works in the healthcare advertising sector, and while his contract was supposed to end, he was retained for additional months due to his value to the company. Candace is uncertain if they should utilize their emergency savings to cover mortgage payments and expenses instead of opting for forbearance related to income issues stemming from the pandemic.