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"It can be a very difficult being unemployed as the holidays approach," Johnson said.
The calendar still says summer, but millions of Americans have already started -- and a few have even finished -- their holiday shopping. More than half of us (55 percent of holiday shoppers) won't finish until sometime in December. But for many, holiday shopping keeps creeping earlier into the year.
And 2 percent, or about 4.6 million, are ultra-early birds: They're already done.