Kate Phelan

But it's also about how can the bank show up and help some of these low and moderate income communities get the loans that they need, get the access to capital that they need to start new businesses to help the community rise up, if you will.

So the access to those types of loans in California alone last year, we gave, let me check my notes,

4.3 billion with a B in developmental loans to these communities.

And I think that that's really important because it's not just about making donations and making contributions.

It's about creating that access to the money that the community really needs so that it can take care of itself.

And I know that that's really important for us individually, but it says a lot about how the bank feels about its responsibility to the community.

You look back when the fires happened earlier this year, the bank was really quick to say, how can we show up?

How can we be a part of

sponsoring the things that are happening in terms of raising money and meeting the moment.

And so I think that that's really important.

And the financial industry as a whole is important to that.

And we appreciate being a part of it.

It sounds great.

Because lifestyle creep happens.

I think in line with that, I really remind people, and we've talked about it a little bit already, is get started early.

I think people sometimes get in their head that they can't start doing something until they're ready and they've got it all figured out.

My dad taught me when I was little to save a little a lot.

And if you get in that habit of just putting a little bit away all the time,

it really starts to add up over the long term.

So there's really never too soon to get started on your savings habits, on putting your money to work for you.