smart young folks that i know. the attorney, emily campano reasoning for democratic senate in new jersey. michael starr hopkins and wall street journal s jillian melcher. we called senator bob menendez. are you leery of these markets? i am. the volatility scares anyone. one of the things that mel len yeah 0 millennials, we don t have the discretionary spending. but you re a lawyer. many of them don t have it because of student debt, credit card debt. the whining begins. they don t have the income. neil: had you put in a little in before, you might have had it. i think that one of the things growing up in a