four types, probably some balanced funds, a growth in income, a growth and maybe a little international sprinkled in. gretchen: and maria from orolympian dough has this question. we re upside down on our home. 65 k left on the mortgage and bring in 45 k a year. my husband works, but i m retired. help us down size. what s the advice? if you ve got 65,000 left on your mortgage and you re upside down, that means your home is already pretty reasonable in the orlando market. there is not a lot of down sizing you can do there. you ll have to do a written budget. when do you that, you ll find the money that you do have coming in will work harder. gretchen: all right. dave ramsey, always good advice, especially today for retirees. we ll see you again next week. have a great weekend. thank you, gretchen. gretchen: they feed millions of american from coast to coast. but thanks to obamacare, employees at the olive garden and red lobster are about to get less cash? we ll explain why. the