We are living in two separate economies. Americans who locked in a job home and stocks are thriving. Everyone else missed out on their ticket to wealth. This is why there’s such a big misunderstanding between the Boomers and the Millennials and Gen Zers. Think back to your life two or three years ago. Did you have a job home and a significant investment in the stock market? If the answer was yes to all three, then there’s a decent chance you’re feeling okay about the current state of your finances. But if you didn’t check all three boxes, you might be among the Americans who remain frustrated in today’s economy. If you had a job a few years ago and you haven’t quit, there’s a good chance you’re still employed. Layoffs have been low relative to the historical level. There’s also a good chance you’ve benefited from the wage growth that has exceeded inflation over the past year. But if you didn’t have a job or you’re searching for one now, including current college graduates, you are facing a considerably tougher job market. And if you bought a house before 2021, there’s a good chance that the value of your home has risen considerably in the recent years. It’s also likely that you locked in a low mortgage rate. But if you’re trying to buy a home today, you’re facing a housing market that is much less affordable than it was a few years ago. Now, we don’t have to give up or feel hopeless here, but we do have to laser focus in on a budget. We have to continue to work on skills that’s going to pay us more money. And we’re going to have to work on paying off some debt so we can keep more money in our pocket. And with the election coming up, we also need to focus on who’s going to implement policies that are going to raise the wages or how we individually can work on getting our wages or our money up, because that’s what’s going to ultimately help us.