basic cost of living is more than they are bringing in. they can t do any more. what advice do you have for those folks? how do they plan for their retirely or their future? what you have to do, the first item is where are you now? you know, if times or great or times are bad, you still are where you are right now. so it s even more important, go online, type in the words household budget worksheet that you just referred to. use the one you used last year n. january, you are going to get your year-end or december statements for everything you have credit card statement, mortgage statement, bank accounts, retirement accounts, investment accounts. and you are going to open the envelopes this time and you are going to carefully look at them jamie: so many people bury their head in the sand. amen. jamie: we bring ourselves up to speed on everything we have. given the new tax regulations,