In November, we witness a marvelous display of fall foliage as leaves on many deciduous trees turn from green to saffron to tangerine to crimson before dropping to the ground. It’s a time to reap and a time to plant as the seasons turn, turn, turn. We all have days where we think we are losing our minds. It’s time to do a self-assessment of our stress and mental health. If you need help, it is available and needs to be sought,. Do you desire owning a home? The average millennial respondent requires a full three years to save for a down payment, which is three months more than Gen Xers, and six months more than baby boomers. Or do you have a home and dream about a second vacation location? Food for thought when it comes to mortgages,