But I know you've got some practical steps here that people can actually put in place to just try and break that tailspin and to just start to at least level out and get back to where they want to be getting to.

I think people think they need a complete financial overall to get out of that financial stress cycle.

But in reality, the opposite is true.

Momentum starts with small, manageable actions.

And if I can break it down into five sort of frameworks or principles, I'd start with reducing friction.

Make the next step as easy as possible.

That could mean simplifying your accounts or choosing fewer but clearer investment options or deciding in advance what your first action will be.

So how do you believe that equilibrium can be achieved in that space over time? How can more women feel empowered to actually play a major role here in the long-term thinking, not just keeping the lights on every week and making sure that the household doesn't collapse?