of cash and throwing it in all at once, i am a big fan of dollar cost averaging, you take a little sum of money and put it in each pay period or each month and if you feel there's no money in your budget at all and have a 401(k) at work, put in 1% and six months from now put in another percent. we don't miss a penny on a dollar but if you tried to go to a dime on a dollar all at once your budget would blow apart so you do this slow and steady, but the younger you start, the power of money working for you, if you start putting money aside in your 20s, it's gigantic the effect it has by the time you're in your 60s versus starting in your 30s or 40s. >> and maybe if you start putting money away in your 20s you'll have enough for a house in your 30s. don't move, i want to talk about housing and a housing comeback.