We begin with jobs. The Labor Department says that there are more than 6 million openings. That is close to an alltime high. But theres a big skills gap that comes along with job seekers who are looking to get hired. As our diana olick found, sometimes workers need to learn before they can earn. Thats our cover story today. Reporter inside an unassuming warehouse on the outskirts of denver 18 students are learning how to saw, drill, plaster and paint. Theyre learning how to build a house. 18 might not sound like a lot, but todays Home Builders are desperate for every last one of them. Every single year the labor situation has basically gotten more people retiring, nobody replacing them. And as an industry ultimately weve just done a lousy job marketing our opportunities to young people. Reporter so oakwood homes, which is owned by berkshire hathaway, started the colorado homebuilding academy, a nonprofit boot camp teaching basic construction skills. The classes are free. How can you afford it, though . We cannot afford not to do it. Reporter the academy hopes to graduate about 200 students from 11 boot camps this year and double that next year. The students range widely in age, race, and gender, from a millennial Software Salesman to a 48yearold hairdresser. This is something ive always wanted to do. Ive always wanted to learn how. And this is a great opportunity that came up. Reporter but it has been hard to fill these classes. I wish we had them banging down the door. We dont. When were working with the young jer generation, thats tougher because as you said theres not a lot of people looking toward a job in the trades as their first career. We actively recruit every day. I could be having our recruiters out at job fairs. We go to schools and talk about career opportunities. We talk to local workforce offices all the time. We have a lot of community organizations. Reporter oakwood has already put over a Million Dollars into this and is working with other companies and organizations to grow the program. This is actually an oakwoodowned house framing factory which donated part of its space for the academy. Literally putting potential employees right around the corner. And graduates like 25yearold alexis montserrat are finding work fast. I felt confident after eight weeks. Theres a lot of problem solving and creativity. Reporter her boss said the program is one answer to a huge problem. She has the basic training but we can provide the additional training depending what direction she wants to go with this. Reporter the academy may start offering specialty classes so graduates can command higher salaries sooner. But the message is clear. It is never too late to start. Youre 48 years old. So its reporter for on the money im diana olick in denver. Why is there such a mismatch between the skills that are needed and available workers . Martha ross has studied that question. Shes a fellow at the br instituti martha, thank for being here today. Im glad to be here. Thanks for having me. You studied the out of work population. Who are they, and why are so many workers on the sidelines of the labor market today . Theyre from all walks of life. Anyone lots of people find themselves in this group, but they are disproportionately disadvantaged. So more than half of them have at most a high school diploma. And this is at a time when jobs are increasingly requiring a College Education or an apprenticeship or some kind of postsecondary education. And only about a quarter of them have worked in the past year. We just listened to the package where we talked bay woman whos 47 and retraining herself. I guess its a tricky time to figure out how to get retraining once youre 44 too. It is. It is. The median age of the out of work population is 45. And given that companies are having such trouble finding workers i think they need, as oakwood is, they need to broaden their recruitment pools and think differently about who can be a good worker. What about the governments role . How can job Training Programs that the government runs be improved to actually find people who have the skills that employers need . Any Good Training Program needs to meet the needs of the local labor market. And then they also need to support their participants. But what we need is a more focused effort to knit together the supply side of the labor market so the workers and the schools and tr organizations, and the demand side, the employers. Again, a lot of the people who are having trouble right now dont have a traditional Fouryear College degree. Is that necessary . Are there fields that they can get into if you dont have one of those degrees . Yes. A fouryear degree is not necessary. What is important is that you have some kind of education beyond high school. What surprised you the most in your findings . There were so many people above the ages of 45. And the mismatch between that age and stage of life that people are typically in and, you know, the general advice, which is to go get more retraining. But its not always the norm. And schools arent always ready to to be welcoming to older people. Martha, i want to thank you for your time today. Thanks so much. One growing field where the jobs are is the specialty of Animal Health medicine. And its not just pet doctors whose veterinary skills are needed. Kate rogers has more from the university of pennsylvanias school of veterinary medicine in kenneth square, pa. Reporter demand for veterinary professionals is on the rise, driven by the booming pet Care Industry and by a growing World Population that places a greater emphasis on food supply and safety. Theres not a human health and an Animal Health. Theres human, animal, and the environment. There really is only one health, and we serve all of that. Reporter experts say demand is outpacing supply, particularly in rural areas where veterinarians work with those who produce food. Vet School Graduates often have two jobs upon graduation. The application process is also highly competitive. In the United States we dont have enough slots to accommodate all the students. Reporter career carg for companion oa animals to running your own practi working for Big Pharma Companies like zoetis that produce medicine for animals. The been an increase in demand for the expertise that veterinarians provide to society related to an increase in the size of the human population, an increase in affluence in developing countries as well as an overall increase in urbanization. Reporter but the experts say the industry has shifted somewhat as more people are moving into the specialty area which does pay more money but it also requires more schooling. Traditionally, vet techs make 32,000 a year on average while veterinarians can make about 88 thousands a year. And of course if you have your own practice where you do choose to specialize you can make well into the six figures. Back over to you. Kate, thank you so much. Up next were on the money. It is open enrollment time at work when you select your Health Benefits for next year. Well tell you what you need to know to help you make the right choices. And later, dont look now, but the Holiday Shopping season has already begun. Were going to take a look at some of the most popular toys for the holidays, give y for kie shopping for. Right now, though, take a look at how the stock market. En this guy got a flat tire in the middle of the night, so he got home safe. Yeah, my dad says our insurance doesnt have that. What . you can leave worry behind when liberty stands with you™. Liberty mutual insurance. 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Stocks had another recordsetting week with the dow touching a new high in early trading on friday. The nasdaq and the s p 500 climbing as well. The market closed higher on friday. As expected, the Federal Reserve kept Interest Rates steady at a historically low level, about 1. 25 . At its meeting this week the fed also signaled that it is likely to raise rates at its next meeting in december. Americans are spending more and saving less. The savings rate fell to a tenyear low of 3. 1 in september. Thats down from a recent peak of 6. 3 in october of 2015. Low unemployment and rising that trend. Likely contributing deductibles, copays. Now is the time of year that you have to make your Health Plan Choices at work. Even study found out about half understand their benefits. Julie thicke is Vice President of the International Foundation of Employee Benefit plans. Thats the group that did the survey and julie, thanks for being with us today. Well, thanks, becky, for inviting me. You would think this would be a happy time of the year, we get to see what kind of benefits we qualify. But how come choosing benefits is such a daunting, confusing and even stressful event for so many people . Well, you said it. It is stressful. A large part of that is because its not something thats all that easy. Its always very complicated. And its something that most employees only deal with on a once a year basis kind of on a driveby. So its hard to understand all the choices that are open to you. And what you choose does make a difference. One of the statistics you pulled up, 82 of us spend less than an hour trying to figure out what were going to qualify for in benefits. Why is that . Right. Right. Well, partly maybe because its not very interesting to us. Its confusing. Wewe know that our employees dot necessarily always want to Read Everything that we give them. Its complicated. Sometimes we use jargon and we shouldnt. But we do. So its not a fun task to do on a weekend. You know, a lot of times it doesnt seem like theres that much difference between whats being offered this year and what was offered the year before. Is that unusual . No, thats pretty typical. You really should take a look and see what might have changed in the plan that youre looking at and see if it still covers everything you need. See if anything has changed in your life that you would need to make a different choice. Whats the biggest mistake we make that we should maybe be able to avoid . Well, i think the biggest mistake is going for the plan thats the cheapest. You look at the premium price and think oh, this ones cheapest, im just going to sign up for it. But what you should really do is take into consideration things like you mentioned early on, deductibles and copays. Coinsurance and what your out of pocket might be when youre finished. T planned for next year. Have you are you going to have a baby . Do you know if youre going to have surgery . Do you know if your sons going to need braces . You should take all of that into consideration when you pick. Its pretty hard to try to figure out if you dont have one of those events that you know, that you jus how money you should put into either a flexible spending accoh spending account. Any tips for what a baseline should be if you dont have any big events coming up . Well, then what you should do is look at what you spent this year. If you dont have anything specific next year, look and see what you spent this year and kind of plan accordingly. All right. Julie, thank you for joining us today. Thank you. Thanks very much. Up next, were on the money. From bargain buys to spending splurges. The hottest toys this holiday season. And later, you may know her from the movies, but these days kate hudson is busy building a multimilliondollar activewear company. Well tell you why she is all in my experience with usaa has been excellent. They always refer to me as master sergeant. They really appreciate the military family, and it really shows. Weve got auto insurance, homeowners insurance. Had an accident with a vehicle, i actually called usaa before we called the police. Usaa was there handson very quick very prompt. I feel like were being handled as people that actually have a genuine need. Were the webber family and we are usaa members for life. Usaa, get your insurance quote today. The 2018 cadillac xt5. Beauty, greater than the sum of its parts. As we finish eating our h in and december. Thats up about 3 1 2 above last year. So what can parents expect to see at the top of every kids wish list . Joining us right now is liz macarello. Shes the editor in chief of Parents Magazine. Great to see you. Happy christmas. All right. Getting into this entire thing. How did Parents Magazine come up with this list . We test our toys. Over of the 500 of the toys. With 50 reallife toytesting kids. So we watch them and find out which ones really delight the little ones. I can see already, if youre looking for something that the kids are going to love and that is not going to break your wallet, what have you got . Well, for only 15 you get bn on a couple of ngerl the hot toy lists already. These guys open and close their eyes. They hang and jingle. If you have two together and you clap, they sing together. No way. Yeah. Two retailers have unique versions. So if you go to walmart, they have the sloth and the unicorn is at toys r us. Which is a reason to make people actually come back into the brick and mortar stores. You need your exclusive toys. If you are willing to spend slightly more oh, my gosh, this ones cute. Im not getting this out of my hand. I know. We also have play dirt in a job which has this kinetic sand that looks like dirt. This is only 13. Youre a sucker, you pay 13 for dirt . For dirt. Yeah. But its not dirt you have to clean up. Its like dough dirt. And if you have a little one who likes to sort of dig in there he can have fun with that. That feels nice. Isnt that fun . Im making a little bit of a mess. All right. I get it. And its not real dirt. So you can bring it in the house. These are two lower end of the spectrum. These are higher. This is so much fun. Our toy testers loved this ice cream cart that has a magic ice cream scooper. And what happens is this works on development and memorization and sequencing. The magic ice cream scoop knows the colors and the flavors and the child can take a kids order and make a sundae with sprinkles and whipped cream and its really, really fun. We found the kids played with this for hours. Wow. Okay. So if you want a little free time this is where to go. Yeah. One of the had the movies this year was allaround minute ynz. That was a big hit in my house. We have a little mini minion rc. Its a balancing robot. He speaks minion language. Just like my son. Theres a turbo dave app which has over 140 sound effects house and he can get under your foot. You can have all sorts of tripping over him. Look how cute they are. I remember hatchimals from last year. It turned out to be the hot surprise toy people werent anti slightly different version. This is hatchimals surprise. This year theyre twins. You hatch two of them. One comes out underneath the next. This is 70. But the technologys incredible. As the twins age, so over the course of days and weeks, they develop like real children do. They start to talk to each other. They go from babbling to talking to eating. So you can follow the directions on the little cart and really grow your hatchimal. That ones going to be really hard to find the closer we get to the holidays i think. Yeah, its is fun. Everywhere i look this year are unicorns. Thats what i dressed my daughter as for halloween. This is maybe the ultimate unic plush rideon. We have 150 this is going to costs you. But it is so sweet. It is super, super soft. It goes 2. 5 miles an hour. It actually drives. And it actually drives. And you have a lightup horn, and it plays magical unicorn music. Who doesnt want magical unicorn music . In their house. Thats so sweet. And they love it because its unicorn but its also riding and theres lights and sounds. Total delight. All right. So these are the exciting things already. We love it. Thank you so much for joining us, liz. And i am going to go try buy all of this stuff right now before you guys even get a chance to. Thank you. Folks, up next on the money, a look at the news for the week ahead. And by the way, we sat down with actress and entrepreneur kate hudson. Why she made the move from film to fitness and how she feels about her famous mom and dad about her famous mom and dad. Day you die you always want to make your parents ou and we covered it, july first, twentyfifteen. Talk to farmers. We know a thing or two because weve seen a thing or two. We are farmers. Bumpadum, bumbumbumbum i kept looking for ways to manage my symptoms. I thought i was doing okay. Then it hit me. Managing was all i was doing. When i told my doctor, i learned humira is for people who still have symptoms of moderate to severe Crohns Disease even after trying other medications. In clinical studies, the majority of people on humira saw significant symptom relief and many achieved remission. Humira can lower your ability to fight infections, including tuberculosis. Serious, sometimes fatal infections and cancers, including lymphoma, have happened; as have blood, liver, and nervous system problems, serious allergic reactions, and new or worsening heart failure. Before treatment, get tested for tb. Tell your doctor if youve been to areas where certain fungal infections are common, and if youve had tb, hepatitis b, are prone to infections, or have flulike symptoms or sores. Dont start humira if you have an infection. Just managing your symptoms . Ask your gastroenterologist about humira. With humira, remission is possible. Here are the stories coming up that may impact your money this week. If youre like me you may be polishing off a few extra nachos on monday. Weve got a goodexcuse. It is national nachos day. On monday President Trump continues his trip to asia and will be in seoul, south korea. Tuesday is election day. There are six house seats, one senate seat, and two gubernatorial seats that are up for grabs. Its also the fourth anniversary of the twitter ipo. If you invested 100 in this company on that day and waited all this time, well, right now youd only have about 50 bucks. And longtime favorite of parents and children alike, sesame street made its debut on this date back in 1969. When you think of kate hudson, you think of hol these days kate is taking on a new role, thats one of entrepreneur. Shes the cofounder of the activewear company fablettics. We asked her who she looks to for Business Advice and why she started the company. I wanted to get into fashion and movie take me away for much longer hours than i like. As single mama. I felt like if theres something i want to be talking about that im really passionat purpose behind it is important for me to get out there . To me its just healthy lifestyle. Youre the name. Youre the face. Youre in the commercials. But youre really handson. Do you know things like whats selling really well and whats not selling well . Are you kind of checking numbers on a daily basis and seeing those things . Yeah. I wouldnt say daily basis, but definitely monthly. What is the benefit of being a digitally native company . One of the benefits of that is having the technology to have the data to create a more seamless operation. Just because retail is taking is hurting right now. Yeah. Very tough time. Were having a lot of success in retail. And its because we have the data to know how to create the retail experience. Is there anybody that you turn to for advice . Any of your friends . Any of your family members . Kurt is someone that i like to go to to talk about a lot of Different Things when it comes to busines i saw something that kurt recently talked about in an interview where they asked him what he was proud about with you. And it ran the gamut. But he also loved what youre doing with this company. On your own list of your accomplishments, what youve done, how does it kind of rate . I think its pretty up there. If theres anything to be the most proud of inside of the work that ive done in my life, its building a community for women to feel supported. And to go back to my dad, kurt always said he had very High Expectations of me. But the truth is that those expectations that he had somehow drove me i think to be a very ambitious person. Its not necessarily about financial successes as much as it is about finishing something. I feel like until the day you die you always want to make your parents proud no matter where they are, right . I just have a question about harvey w everything thats happened. Has it turned the town on its head . The fear of coming forward with Something Like that is enormous for a woman because it could mean their career. It could mean everything theyve ever worked hard for. Harveys not the only one, unfortunately, and its just created a climate for i think real change. My thanks to kate hudson. And by the way, if you were wondering, kate has short hair these days because she shaved her head for her next movie role. She said its growing back very quickly, though. That is the show for today. Im becky quick. And thank you so much for joining us. Next week we go from nba superstar to entrepreneur. Well be meeting kobe bryant and find out all about his new business. Each week keep it right here. Were on the money. Have a great one, and well see you next weekend. Announcer there are no teams, no uniforms. Just man or woman against an unforgiving steel gauntlet. Both oh so close. Announcer but success breeds success. Yes oh announcer and individual triumphs can inspire collective achievements. History has been made kacy and michelle, i will see you on top of that warped wall. Announcer and in the quest for individual glory, rivalries emerge. Drew drechsel with the fastest time. Me and flip, its a rivalry. We try to push each other to get the fastest time. The road to Mount Midoriyama goes through me, flip rodriguez. Announcer new voices scream out to be heard. Im ready to step up and take it to that course. I told myself, when im old enough, im gonna do this. This is my year. This is my moment. Announcer one singular goal remains