Author: By Aimee Picchi, Special to USA TODAY

Fewer than 4 in 10 Americans could handle a surprise $1,000 expense. That comes after the government pumped trillions in stimulus into the economy.

Americans head in droves to Christmas tree lots and cut-your-own farms as COVID forces many to cancel their usual holiday plans. Tree prices are up.

Another round?

Millions suffering from job losses or reduced income are struggling with April bills. On top of that, their property taxes are due.

An IRS audit over taxes is about half as likely as it was five years ago. Even so, two groups face higher rates than others.

Here are 5 key accounts that help lower tax burdens either now or during a life transition,financial experts say.