Ken Coleman

Now we're feeling really good at night when we go to bed.

Baby step four, now we're planning for the future.

15% towards retirement.

And then some of you are going, I'm so far behind with my kids.

Baby step five feels like a really rough emotional confrontation.

All right, I'm just calling it out.

Absolutely.

Here's what I want to say.

Don't fall into the trap that your kid

has to go to a super expensive school, to a name brand school, or that they have to have a student loan

for any amount of professional success, because that is the cultural pressure.

And if you take the cultural messaging and pressure and you put it on top of somebody who's going, we're so far behind, we're just trying to get through baby step three.

And my kid's going to go to college in two years.

I know what that can feel like.

You talk a lot about the emotions behind money and I wanted to call it out.

I want to give you the last word on that.

I want people to think about, there are more ways for your kids to get the training that they need more ways than ever and more cheap.

That's all I want to say.

I want to throw it out there.

All right, Caitlin is up next in Shreveport, Louisiana.