one said he wwas 47 years ago w he opened his first bank account. you have the stock market highs but 25% of african-americans don't each have a bank account. >> and more people living paycheck to paycheck in america so that is good advice. >> a lot of the jobs coming back in this recovery are the low income, low wage excuse me jobs that sort of part-time so it's not exactly a fair recovery. >> thank you so much for that piece. do you know what this is? your kids know. it's not the latest digital movie device. it's a cigarette. is it safer the device or is it the way great companies are trying to market cool to your kids? dr. sanjay gupta joins me next with the facts. axiron can restore t levels to normal in about 2 weeks in most men. axiron is not for use in women or anyone younger than 18 or men with prostate or breast cancer.