20 years out, i buy good growth funds and realize that i pay cash for. that's what i recommend and a lot of very wealthy people, that's what they do. is. >> a question for rachel from melissa. should we keep our money in our 401k or take it out to keep the government from taking it. >> 401 k and roth iras are great. so yes, it's still a great place. >> so you advice for people to still do, if they can, a 401k investment even if it comes out of their paycheck. >> yes, investing is five years or longer. you're in it for the long term. >> i graduated college in may and i'm working full-time making about $30,000 a year. i'm living with my parents and i have $17,000 in student loans,