The $20 billion missing from this economy

October so far has the fewest first-time unemployment claims since March, but there are still tens of millions of Americans relying on money from the government while they’re out of work — and extra benefits keep running out. Today, we’ll look at what that’s doing to the economy. Plus: savings plans, permanent work-from-home and a conversation with Bradley & Parker CEO Wynne Nowland about coming out as transgender.