"That's a significant life event and I understand the financial constraints that come with it. This isn't the right time to add overhead — but when you're ready, we have plans that scale with your income."
"Is there a timeline for when things stabilize? I want to know when it makes sense to revisit this conversation."
"When things settle, we'd love to be part of your next chapter. We'll keep the door open and check back at a time that works for you."
| Down pmt | Amount | Monthly |
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