The challenges many Americans are facing today are not complicated financial product issues, they are complicated everyday issues.  Inflation, health, education, political environment, increasing costs, mandates and the constant state of crisis adds to their stress.  And for the first time, many Americans are starting to realize they are not in control of the outcomes in their lives.  They have a gut feeling that they are not prepared financially and realize there is no financial certainty they can rely on.  To master financial solutions you must first master the challenges that will destroy the solution.