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Your marketing associate with her head down? She’s not looking at the analytics of your last email blast. She’s trying to figure out how to make her student loan payment, cover her share of the rent and pay more than the minimum on her credit card without asking Mom and Dad for a loan (again).

The junior developer you just hired? Even though you’re paying him $10,000 more than in his last job, he’s staring into space wondering if he’s ever going to be able to afford to buy a home. He keeps reading about how mortgage rates are at historic lows and now is the time to buy, but the $3,200 in his savings account puts a down payment way out of reach.

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