For many americans, the answer is no. Sacrificing sleep not only affects your health, though, it affects your work. So, how can you work towards getting a good nights rest . That is our cover story today. One in three American Adults are not getting enough sleep, clocking in less than the recommended seven hours of shuteye a night. And its a hazard to your health. According to the cdc, not getting enough sleep increases the risk of developing chronic diseases, such as diabetes, stroke, depression, and heart disease, just to name a few. Lack of sleep can also hurt Job Performance in spite of the fact that many skip sleep hours to put in more work hours. For the average worker, insomnia results in the loss of 11 days of productivity each year, which is costing companies more than 2,200 per employee. As a nation, that represents a total Economic Loss of more than 63 billion a year. But the problem is that most of us are perpetually plugged in. 71 of americans, myself included, sleep next to their smartphone, and studies show that the blue light emitted from l. E. D. Screens flows down or stops the production of melatonin, a hormone which signals our brain that its time for bed. But there are tips and tricks to help us get a full nights rest. Joining us is arianna huffington, ceo and founder of thrive global and also the author of the sleep revolution, that book. You can see it right here. Thank you for joining us today. So great to be with you. You stepped down from your role at Huffington Post in 2016 and launched thrive. And this is incredibly important work, but why did you step away from Huffington Post to do this . What happened . So, i could see both in my own life and in the lives of everyone around me and in all the data that sleep deprivation, stress and burnout were becoming global epidemics that actually cost businesses and the economy trillions of dollars and cost human beings our health sh, our happiness, our productivity. So i wanted to create a company that could both work with corporations to change the culture and help them see the connection between wellbeing and Business Metrics and also have a media platform where we could have all the latest science and new role models. So, jeff bezos, for example, wrote a piece, and the headline is why i am getting eight hours of sleep is good for amazon shareholders. So, it went crazy viral because people did not expect, you know, a major executive to actually be getting the sleep he needed to make the best decisions. Its really the connection between being fully recharged and making good decisions. And this comes after years of a culture where people would brag about how little sleep they were getting, how productive they were. You had your own wakeup call that hit you right over the head, right . Exactly. Exactly ten years ago, two years into building Huffington Post, i collapsed from sleep deprivation, exhaustion, hit my head on my desk, broke my cheekbone, and that was my wakeup call. So part of my sense of mission is to stop people from having their wakeup calls. And becky, a lot of the wakeup calls are much worse. Its people who have strokes, are diagnosed with high Blood Pressure or things that are unavoidable. This is a key stat to me, that 75 of our Health Care Costs and Health Care Problems are because of stressrelated, preventible diseases. What tips would you give people, because im sure there are people watching at home right now who are thinking, yes, this applies to me, but what do i do . If i can give you one simple microstep, its pick a time at the end of the day when you declare it the end of your work day. And the way you symbolize that is by turning off your phone and gently escorting it out of your bedroom. You can start with ten minutes before youre going to turn off the light. Just have a little transition time, and make sure you dont sleep with your phone. Its great to have one minute, thats another microstep, in the morning before you rush to your phone. Your phone is everybody elses agenda for you, like what the world wants from you. So remembering what you want from you for this day, and it can be literally 60 seconds. Ending your day without your phone and starting your day without your phone are keys. And thats why we launched the thrive app. And it seems a little counterintuitive, the idea of using technology to break ourselves or wean ourselves a little bit from that technology, but how does the app work . First of all, its bidirectional. So if you put your phone in thrive mode because youre having dinner with your family and you dont want to be distracted and i text you, i get a text back, becky is in thrive mode until such and such a time. The idea is kind of almost like a humblebrag. Instead of beckys always on, shes amazing, we want to change the things that we celebrate. You know, becky knows how to prioritize her life, she knows whats important, and she is in thrive mode. And youre okay if one of the thrives employees, if you send them an email and you say i need some help right now and you get a message back from the thrive app that says do not disturb . I actually love that, because we all have to learn to work in teams. And if somebodys taking care of themselves, it means they are not going to burn out. Sure. And we know that burntout employees are over 30 more likely to change jobs. Oh. So you know, it affects attrition, it affects productivity, and it affects Health Care Costs. You know, you are a founder of some of the social media online. Huffington post finding ways to reach out, find new people. There have been some concerns brought up by early employees of facebook recently, by investors in apple, by kids getting addicted to social media, by all the rest of us getting addicted, too, and i wonder what you think of all that. I think were at the major inflection point, becky. If you think of it, all that is relatively new. Its about ten years since the smartphone has become so ubiquitous and such a big part of our lives. So now were establishing the rules of the road. And also, companies are beginning to realize the backlash and to take steps to basically produce products that are not so addictive. Police themselves before somebody jumps in to police them. Otherwise, they were going to be regulated. Arianna, thank you so much. Thank you. Now heres a look at whats making news as we head into a new week on the money. Another week, another stock market barrier broken. On wednesday, the dow closed above 26,000 for the First Time Ever and had its best oneday gain since november. The nasdaq and the s p 500 setting new records as well, in part because of the Corporate Tax cuts and optimism about the economy. The stocks were mixed later in the week. Apple says it will create 20,000 new jobs in the United States and open a new campus as well. The company will bring back the 250 billion that its been keeping overseas because of tax concerns. It will pay 38 billion in taxes and it will make what it says is a 350 billion contribution to the u. S. Economy over the next five years. If only they could replace the batteries in an iphone 6. Amazon has narrowed its search for a second headquarters. There are now 20 finalists. Most of those cities are in the east and the sun belt with a few in the west. Amazons choice will mean 50,000 jobs and plenty of growth in tax revenue for the state that eventually wins. The company will make a final decision some time this year. Up next, were on the money. How can the economy keep growing . A new study has a simple answer, and it has nothing to do with taxes, government spending, or interest rates. And speaking of growing, thanks to a strong stock market, retirement accounts are hitting record highs. Think youve finally saved enough . What to do next if youve reached your goal. Now, though, take a look at how the stock market ended the week. Legendary and made it liberating. We took safe and made it daring. We took intelligent, and made it utterly irresistible. We took the most advanced eclass ever and made the most exciting eclass ever. The 2018 eclass coupe and sedan. Lease the e300 sedan for 569 a month at your local mercedesbenz dealer. Mercedesbenz. The best or nothing. Take a deeeep breath in. And. Exhale. Aflac and a gentle wavelike motion. Liberate your spine. Aflac and reach, toes blossoming. Not that great at yoga ya but when i slipped a disc, he paid my claim in just one day. So he had your back . Yup in just one day, we process, approve and pay. One day pay. Only from aflac the u. S. Economy has been growing for eight straight years, but a new Standard Poors study has a way they think they can boost the Economic Growth further, hire more women. Beth is the u. S. Chief economist and coauthor of the study. Thanks for being here today. A lot of things, people think weve been gro growing beneath r potential. You have identified one area where you think would improve things, hire more women. How do you get to that thesis . Keep in mind that we have been growing, which is very good to know, but Growth Potential has been incredibly slow. They have been growing through this recovery and our potential Growth Outlook now is down 1 . We expect only 1. 8 growth. And we see one of the ways of resolving this is bringing women back in the workforce. Weve seen a slowdown in women entering and being retained in the workforce, and this productivity boost we could get from these women would give the u. S. A boost. What do you think is keeping women from being more in the workforce at this point. Probably the biggest burden is child care. While i do give credit to men who have now stepped up to the plate to help in that area, women do share the lions, basically, the lions share of child care, and not just child care, also elder care as well. And from studies that weve seen, that shows that women take a lot of time out of the workforce when they have children, almost 40 or over, and 25 dont come back. How do we bring them back into the workforce if they choose to . Whats the answer . Is that something we need to address as a nation . Is it something corporations need to address . How do you deal with trying to make women feel like theyre not losing out by taking time off to take care of the kids, or are there options we need for more affordable child care . There are a lot of things we offer. The tax package offers more child care credit and thats a step in the right direction. Another thing to consider is while women get education, they hit that question of basically the penalty for time off. Open up the opportunities for Flexible Work schedules. I think that would help businesses and women, women so they could manage home and work, businesses because, well, that helps with basically overhead. Women, we know theres a pay gap. If you look at things straight across the board in terms of how much they get paid to their male counterparts, even when they have the same background, is that because of the time they take off or is there Something Else happening here . There are a couple factors. One, women are certainly well educated, but weve seen, for example, s. T. E. M. Fields. For the type of careers theyre choosing. The type of careers. The fields that have been considerably male domain, you can still see that. Women, only 14 get educated in s. T. E. M. Fields, where science, technology, engineering and math. Thats half what men do, and those are more higher wages and higher employment opportunities. So that would be an area. But you mentioned that the hurdles, its not just there. That goes to the question of the time off. You can get as many degrees as you want, but if youre not in the office, youre penalized in terms of wages, and that also has to be addressed. Beth ann, thank you for joining us. Great to see you. Thank you. Up next, we are on the money. If you think youve got enough saved to live the good life in retirement, well, dont head out to the beach just yet. Weve got the one mistake that could actually derail your plans. And later, the girl scout cookie season has begun, but theres a lot more than thin mints to scouting these days. Were going to talk to former Rocket Scientist whos in charge of an american institution. 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. A strong stock market and better saving habits mean that many baby boomers are reaching a big goal. They finally have enough money to retire. If youre at that point, though, what should you do now . Joining us with some advice on all of this is Senior Personal finance correspondent sharon epperson. And sharon, its great to see you. Good to be here. Its hard to imagine feeling like youve ever actually made it, but if you get to that point, what now . Whats the next step . Exactly. Some may feel it or think that theyve made it, but you do have to really check yourself and make sure youre at that point. We do see new studies showing that about 50 of americans now have enough money saved to live a comfortable retirement. And so, that is a significant number. Its happening for two reasons. Of course, we have the market highs, but we also have people putting away more money into their 401 k , into their i. R. A. , and were seeing i. R. A. Account balances topping 100,000 on average. Wow. For the First Time Ever. Wow. So that is a significant change that weve seen and a reason why some people may feel more comfortable. 100,000 probably not enough to retire on for many people, but there are others that might be close to their retirement goal. You feel great about that, but then when you hear the markets been sitting at new highs, when you think things are fantastic, should you worry about that . Do you need to reallocate or do anything along those lines . Now is a good time to review your goals. Think about what your retirement goals are, think about how much money youre going to need in retirement, starting with that retirement budget and planning ahead for that, but also think about what you want to do in retirement, travel, hobbies. Those are expenses that you may not have now that youre going to have to consider. Think about your life expectancy. The healthier you are, great, great, great, but that means youre going to have more Health Care Expenses in retirement, so consider all those things. And i guess thats a big question, too. If youve been invested in stocks to this point, thats great, but things that go up can also go down pretty rapidly, too. The markets going great, but that also means you have more risk in your portfolio. While you wanted 60 of your portfolio in stocks, now its 65 , so maybe its time to reallocate and reallocating in your 401 k and i. R. A. , is a great place to do it because you wont have the tax impact if youre selling your balance or rebalancing your portfolio. Others say i just want to sell and keep in cash, im afraid of the market. Its not that youre afraid of the market, you want to be secure that you have enough money for shortterm emergencies and shortterm expenses, so thats a reason to have cash. My biggest problem with ever trying to figure out how much money i need for retirement is, okay, how long am i going to live . How do you plan for those things . You think about what you want that money to do for you in retirement. Do you want to continue to save just to make sure that you have enough . Do you want to spend everything you have or spend a little bit more freely now that you have more money saved than you had expected, or do you want to donate some of that money . And then you start to think of where you want to donate it. Yeah, thats great. A lot to think about. Thank you, sharon. Sure. Always appreciate seeing you. Up next on the money, a look at the news for the week ahead. And from cookies to careers, well talk to the girl scouts ceo about partnerships with nasa, hightech companies, and why s. T. E. M. Is not about picking flowers. Weve been preparing for this day. Over the years, paul and i have met regularly with our ameriprise advisor. We plan for everything from retirement to college savings. Giving us the ability to add on for an important member of our family. Welcome home mom. With the right financial advisor, life can be brilliant. Its abor it isnt. Ence in 30,000 precision parts. Its inspected by mercedesbenz factorytrained technicians. Or it isnt. Its backed by an unlimited mileage warranty, or it isnt. For those who never settle, its either mercedesbenz certified preowned, or it isnt. The mercedesbenz certified preowned sales event. Now through february 28th. Only at your authorized mercedesbenz dealer. When this guy got a flat tire in the middle of the night. Hold on dad. Liberty did what . Yeah, Liberty Mutual 24hour roadside assistance helped him to fix his flat so he could get home safely. My dad says our insurance doesnt have that. Dont worry i know what a lug wrench is, dad. Is this a lug wrench . Maybe . You can leave worry behind when liberty stands with you™. Liberty stands with you™. Liberty mutual insurance. Here are the stories coming up that may impact your money this week. On monday, the World Economic forum in davos, switzerland, kicks off. Leaders from the world of business, economics, and politics will all be gathering. On wednesday, existing home sales for december will be released. Then on thursday, well get the leading economic indicators. That aims to try to predict Economic Trends for the next six months. On friday, the durable goods report for december will be released and well also see the First Reading of the fourthquarter gdp. Plus, cheers its National Irish coffee day. For coffee and whiskey fans, theres nothing better. It is that most wonderful time of the year, the girl scout cookie season has begun this actually marks the 101st year for the Cookie Program, but of course, there are more than just sweets to the girl scouts these days. Joining us to talk all about it is the ceo of girl scouts, sylvia acevedo. And sylvia, thank you so much for being here. Oh, thank you for having me. Im so excited to be here. Well, you brought cookies, which makes us thrilled. Its cookie season it is cookie season. Its a great Entrepreneurial Program for girls. And its come a long way from when we were in girl scouts. What technology are you using some. There are so many ways weve evolved the program. One, we have Digital Cookie, so girls get to decide their business opportunities, how theyre going to market, they create online videos, they have customer mailing lists. They have to really look at how they do customer service, product delivery. That just teaches them invaluable skills that they use in life. And by the way, all those successful girl scouts, you included. Youre somebody who was a Rocket Scientist before you did this, before you ran girl scouts. I just wonder, whats tougher, running the girl scouts or being a Rocket Scientist . You know what, theres a lot of complex math in Rocket Science. There absolutely is, but you know, theres so much joy in, like, really making a difference in girls lives. And i know the power of girl scouting and how it impacted my life. You know, i went from a small, desert town there you are. Yeah as a brownie. I went from a small desert town and i got to live the life of my dreams because girl scouts helped me understand and appreciate that i could do science, that i could do math at a time when girls like me werent going into those fields. And then i made a rocket for my science badge, and that taught me i could do it, so i became a Rocket Scientist. I worked on the voyager 2 mission that went by jupiter, so im just so grateful for that. Lets talk about the badge, though. You made a rocket to earn the Rocket Science badge. Yes, back when i was really young. It was an eastes rocket and i learned theres a lot of trial and error. I did a lot wrong, didnt read the directions right and didnt get all the chemicals right and i had to do trial and error, which is exactly how you learn, handson science, and that taught me that i could do it. You are making changes to girl scouts as well. I know there are 23 new badges this year. Some of the partnerships youre doing are with raytheon, nasa and palo alto networks. How do thez work and what are the badges . Were really excited about that because all of our extensive s. T. E. M. Badges are really teaching girls how to problem solve, you know, how to think like a programmer, how to do design work. You know, a lot of our s. T. E. M. Badges are also about embracing the outer doors that dont require Technology Use at all. But really what we want to help girls have is the confidence that as the world really uses technology more and more, that they know how to program the technology, they know how to create it, so theyre not just the users of technology, but theyre the ones that are designing their world. You know, i was a girl scout and a brownie, too. My mom was a cookie chairman. Oh, wonderful. You guys even have new flavors now. You know, we are so excited about the Cookie Program. And this year, back by popular demand, we for the 100th anniversary last year, you know, sort of in the spirit of our outdoors program, we announced and released our smores cookies. Yes. They were such a hit, theyre back, you know. So, were real excited about that and real excited about our Digital Cookie program. But the thing is is that a big percentage of the money stays local so that girls get to do projects of their own. And so, thats how you launch all of these entrepreneurs. They also learn, you know, how to do that early test thing about talking to people, and i cant tell you how many parents thank me for the Cookie Program because they said, you know, my daughter is talking to somebody, theyre learning Business Ethics knock on a door the courtesy, the ethics, something that theyre not doing on a screen, and so its really teaching them valuable life skills, and that, as they say, you know, thats priceless. And we know that that then translates them to have all these great lifetime outcomes, and for many of them, like me, i started a business, too. I was an entrepreneur. And that i think got the confidence from girl scouts that i knew i could sell, right . So, this is we know were teaching girls and giving girls amazing skills. Sylvia, thank you so much. Its a pleasure to talk to you and i hope to see you back here again. Oh, thank you very much. Really appreciate it. And please, enjoy the cookies this year. You dont have to tell me twice. A big thank you. And make sure you support your local girl scouts. Agreed. Make sure you do that, folk. Thats the show for today. Im becky quick. Thank you for joining us. Next week, restaurants where cash is not on the menu. No dollar bills or coins allowed. Without a debit or a credit card, will you go hungry . Were going to dig into that next week. Each week, keep it right here. Were on the money. Have a great one and well see you next weekend. Male narrator 30 athletes have arrived in denver. On 30 different roads. Ive traveled over 1,500 miles to compete here in denver. Im representing boston. The rookie is moving on. My whole family came out, and my friends came out. Narrator men and women. I really think that i have a good chance of completing the whole course. Yes shes done it narrator of all ages. Fiftytwo years old. This is an impressive run. Im here, im going to do it. Nothings going to stop me. Narrator and walks of life. I live and work on a ranch. Im a beekeeper. Im an e. R. Doctor. Narrator for some, the journey ends tonight. Oh oh oh, my goodness all oh oh unbelievable narrator for the fortunate few