use netflix or hulu and you don't actually use the hbo that you pay for, this is where you have to adjust your bills for your behavior and save hundreds of dollars a month. >> retirement planning, oh, so important. we have this new yahoo finance article showing a 40-year-old saving $300 a month with an 8% return per year lp $287,000 by age 65. if you're 25 and you start you'll have over a million bucks. >> the real cost of not investing is so enormous. every year that goes by you that don't invest what you can or even more or even get started you lose thousands and thousands of dollars. and like you saw there, into the six figures when it comes to retirement. so set yourself up. especially now is a good time to go in and add a few -- putting 6% in your 401(k), make it 7%. but put yourself on a schedule so that you always make sure you're upping ingz things, you don't just let it lie. put more in. >> those numbers, 8% return-s that pie in the sky or -- >> no, it's not really pie in the sky. look how far we've come since the low of the market a couple of years ago.