Kate Phelan

I do.

Unfortunately, I think that right now this crisis in people's confidence, as we're seeing it, has led them to

Maybe not panic, but freeze a little bit.

When people think that they don't have control of the situation, they sort of pull in.

They maybe don't do the things that they would have otherwise in terms of their financial well-being because they want to wait and see what's going to happen.

So I definitely think that people are missing opportunities or maybe making moves that may be disadvantageous for them, unfortunately.

I agree with Scott in the sense of we look to these consistent milestones of what maybe that definition of success is.

But to Scott's point, people are achieving success in much less linear and consistent ways.

Sort of used to be, okay, I'm going to get out of college and I'm going to get married and I'm going to buy a house and we're all sort of on this journey.

I look at the millennials and they're kind of all over the place, right?

In terms of when they're achieving that.

So I think that the milestones for success are the same, but what it looks like to achieve that success and how we're defining it for ourselves, I think that's changing a lot, which isn't a bad thing, by the way.

It just changes the landscape in terms of the industry that Scott and I are in.

And it changes the way that we talk about what that financial well-being looks like and feels like.

because it's not the same.

It's not as consistent or linear as it was a generation or two before us.

There's the obvious, you've got to save for the down payment.

And that feels sometimes insurmountable or like a lot just in of itself.

But there are other things that people need to be doing to put themselves in a good position to be ready.

So that includes things like make sure that your credit score is in good shape.