Years ago I was a computer tech at an elementary school. I know her type intimately. She is the type where I'd have to give a page of step by step instructions on how to use MS Word and get pissed at me because she'd still fuck it up.
I mean not like you needed to be a genius this year. I just had emergency cash on hand and put it all in the market when it was crashing. My "smartest" move was probably investing in Cloudflare in Aug/Sept.