Nicole Lapin

And this is probably the most personal partnership I have ever done.

And I will forever be grateful for the heart that I've seen in US Bank, which is exactly what I want to see in the financial institutions I work with, and I'm sure you do too.

I have loved seeing how US Bank puts in the work to understand how people are feeling about their money right now.

And what they've found this year is that there's a crisis in confidence when it comes to money.

So today, to help tackle this crisis and help you feel more confident, I'm talking with Scott Ford, head of wealth management at US Bank, and Kate Phelan, California regional director of strategic wealth planning and advice.

We'll get into what's really behind this financial anxiety, why younger generations feel like traditional success is out of reach, and how we can reclaim that sense of control even in the middle of economic chaos.

We also get actionable, like how to prep for buying a home, what to prioritize at different life stages, how to approach retirement in a world where it's getting longer and less predictable, and what small money wins you can start today to build real momentum.

Scott Ford and Kate Phelan, welcome to Money Rehab.

Yeah, great to be here.

So I want to dig into the numbers here because a recent survey from U.S.

Bank found that there is a crisis of confidence going on.

And I want to understand what that actually looks like to you from the numbers and from talking to clients and customers.

Makes so much sense.

I mean, the only thing we can really control is ourselves, of course, but there are a lot of X factors out there.

Kate, do you think that that's translating into missed opportunities in the financial world?

Because I think generally, Scott, this idea of the American dream or what success looks like has changed.

So when you talk to millennials and Gen Z who are trying to do the right things, trying to save, trying to invest, trying to save for a house, how do you frame success today for them?

Yeah, I saw recent numbers that even if mortgage rates were zero, it would be hard to afford a home these days.

Kate, what are you seeing as far as how success is defined in this climate?

and how it's changed from the generation before.