On nearly every media outlet, there’s an ongoing discussion about when the next recession will be. As we’re already approaching the end of 2020, some wonder if the next economic downturn will be in 2021. The national economy is slowing down and could enter into a recession next year due to the "disorienting, distracting and dizzying" events of 2020, according to Bernard Baumohl the chief global economist for the The Economic Outlook Group. He then said that a recession is “90% likely if there is no effective vaccine until late 2021 or early 2022 and there is no comprehensive stimulus bill.” Even consumers who have managed to maintain employment are afraid of the economy right now. They are afraid of losing their jobs and afraid for their loved ones who may need their help, and they are less likely to spend money. With nearly 27 million Americans receiving some form of assistance, that’s a huge increase from the 1.4 million of last year, and mortgage delinquency is near a 10-year high. The U.S. GDP is predicted to shrink 5% in 2020, according to Baumohl's forecast, and GDP growth is largely unpredictable but hopeful over the next two years.