is my fault. neil: what do you say about workers that were downsized. comes down to what are you going to do about it. bad things happen to everybody. you should have been saving money, should have been doing the right things. most people spend 40% of our society mens more money than they make. and i don t feel sorry for those people who have been spending more money than they make and then go a/a neil: new to this segment here on your your world, you can tweet your question and we ll give you answer right here on this show so james tweets: perhaps the new american dream is one day we might get to retire. might be but he s right. first of all, the american dream being able to retire, the american dream is also that you spend within your means.