Shack.....^^^^^^

But their counter point(as it was 18 years ago) will be, “let’s not try to fly a square corner. Give a little now so you don’t have to give a lot later”. They will then bring up the real life example of, “when did you start saving for your kids college? Did you save $200 month for 18 years or wait until they were driving off to their dream college before asking yourself, “how much do I have to save per month now?”

Both are valid and have merit, but for now, I am in the camp of slow down, let this play out until they reopen the economy and we see what kind of rebound is happening.