>> with us now, on the money line, ralph and leah, whose story you just heard. leah, you want to make your golden years very golden. but it's all about for you having another business. so tell us a little bit about that. >> caller: yes, carmen, it's been amazing. our small business came about because of a student encouragement. food has always been our passion. and ralph and i have both brought it into our classrooms to help build a sense of community and as a reward, if they are behaving, they get our passion. if they miss behave, they have to clean their room. five years ago my third period was enjoying a salsa snack and my kids started in, mrs. a, you have to market the salsa. we have to be able to buy t one of my young men came up and said, may i design your label. and within three months of that

suggestion, they had us in our first market. so this truly is a dream from a passion. and it's taking off. it's absolutely wonderful. >> leah, you haven't been able to contribute a lot of money now to build the business because you're very concerned about where you are financially with your job and you have a pension, right? >> caller: yes. >> if you guys work, to what point will you get the full pension? >> well, the magic numbers are 30 years of service and 61 years of age. so ralph and i were -- we're talking about going to 30 years of service and 55 years of age. now we're pushing that. we're going -- we've been talking about it and we're going to go probably another seven to ten years. >> one of things about teaching, those pensions are worth so much to you. and your future and ability to sustain you should you take a dip in the business. you guys have a mortgage still,

how many years left? >> caller: we have under ten. >> okay, that's not too bad. ralph, your home value has gone down? >> caller: it has. property values in the area have plummeted. it's been kind of scary watching the values depreciate. >> you guys lost a ton of equity. you still have some left, what about cash savings? do you have a cash savings stash? >> caller: yes, we we do, an emergency fund, about ten-month right now. >> that's fantastic, it's time to bring in retirement ray lucia. ray, you have poured off the numbers here. they sound like they are in good shape, but they really sustained major losses. talk to us about what they should do. >> first and foremost we'll make you golden. you're already pretty golden, i used to be in the state retirement system a couple of generations ago.

at age 61, you're going to have a paycheck that will be equal to or greater than what you're taking home right now after you put your money in the 403 b plan. retirement is not an issue. you get a longevity bonus of $400 each. i'm intrigued by this salsa thing. tell me, do you want, leah and ralph, would you like to have your financial advice mild or spicy today? >> caller: i'd say spicy. >> i vote medium. let's go spicy for ralph. >> here's the deal, i go spicy too. you don't want to walk from your dream, you're already distributing in whole foods. if you need -- i heard you needed $25,000 to get going. maybe could you get into something like costco or one of big distributors, that is right? >> yes. >> you've got plenty of money in your 403 b plans, $197,000 after the big decline, i don't usually

recommend this. your retirement is solid as a rock. you can borrow the $25,000 out of your 403 b plans, you are contributing ten grand a year. knock it down to 5,000. the other 5,000 will pay back the loan for 25,000. you invest in the salsa business, like hot tamale, you'll be going big guns. >> let me take it down to mild. i think they are totally solid, they have job security and have this pension, so the money is there. is borrowing from the 403 b something they should do or should they find another way to borrow, a small business oh, loan instead? >> it's very difficult to get those kind of loans for a start-up business. if you had equity in the home, which they don't, that would be a better place to go. borrowing from a 403 b plan isn't bad if your retirement is secured. if in fact you have this

$197,000 in your plan right now and instetd of putting 10,000 a year, you put 5,000 in. if you earn 6%, $366,000 any way in just eight years or so. >> that's in addition to the full pension, which is their salaries and social security and so they really are going to be covered and golden. i'm really with ray here, i'm a very good proponent of small business. you are solid financially, invest in the business and let it grow and take you to your golden retirement. what do you guys think. >> caller: i think that sounds great. >> caller: i'm so excited too hear this. ralph and i worked so hard, not only in our careers of teaching, tell people the students need us as much as the public needs our food. and we've put a lot of heart and soul and a lot of hard work into this business. and i don't want to let it go. i'm so excited to go to the next

level. >> i love that you have your built-in fan club with the students and they are helping you out and working with you. here's your golden to do list. first, stop worrying because you're really in great shape. work for a full pension if you can. do you think you'll take care of the business and be golden? >> caller: we'll keep cooking and take the business to the next level. this is so exciting. >> thanks so much for joining us, good luck. please keep us posted and let us know when you're on the east coast. ray can buy it, but i can't yet. thanks for joining us, if you have a retirement question, call or e-mail me and you could be on the show. now, it is time to talk about saving you money. now who would have ever thought that we live in a time where automakers are throwing money at you, the government is throwing money at you, all to buy a brand-new car. we know this as cash for clunkers and you may have seen ads just like these.

>> cash for clunkers specialist. recycle your ride and get you a rebate up to $4500. >> here's the real deal on cash for clunkers known as cars, car allowance rebate system. you have to have owned the car and insured it at least one year prior. it has to have a fuel rating of 18 miles per gallon or less. the credit you get directly at the dealership, shafed off your bill, $4500 or $3500 depending on the make and model. started july 1st and will expire november 1st or when the money runs out. there's a lot more to know about the program. if you want to see if your car qualifies go to cars.gov. is this an opportunity that you can't afford to pass by on the left, of course? brian moody, road test editor for edmunds.com. it makes me want to buy a car.

it seems like a tremendous amount of money to basically get a brand-new car at the huge discount. >> chrysler came out with a new discount on top of the government one which means you might get up to $9,000 back if you trade in the correct kind of car and get a more fuel efficient car to replace it. >> they are doubling the cash for clunkers, $4500, $4500. this has to be almost half price. >> if you get a car expensive enough, you could save tons of money. if you don't have a clunktory trade in, they'll still give you the $4500 the government was going to give you. chrysler wants to sell cars. >> their program ends august 31st. >> the government goes farther. >> exactly, brian, you have pointers about how to manage this. when you go to buy, we know there's a right way and wrong way to buy a new car. when you go to the dealership, first, this is key here, you got

to finalize the price of the car before they know what you're doing. >> exactly right. this is only for new cars, doesn't apply to used cars. go in there and make your best deal, then tell them, i have the clunker to trade n because the government is going to give the dealership the money directly. it won't affect the dealership's profits whatsoever. if they know you have it ahead of time, they may bump the price up a little bit. tell them after the deal is done. >> that is really, really important. >> keep it in your back pocket that you have the clunker. this is a really small window, is it a matter of like act now or should we wait and see if the program gets extended like in germ agermany. >> if the program is successful, they may extend it. if you need a car, this is the best time to do it. however, don't go buy a new car just because you might get $4500

for your old one. you don't need the payment probably. if you're going to get a new car any way or on the fence. this could be the very thing that pushes those people over the edge to buy a new car and for them it could be a great deal. >> here's one you have, the ford us, what would the cash for clunkers incentive. looking at 2009 ford focus with abs and stability. talk us through this one. >> this is a ford focus that has the typical options you might get. it is about $18,000. if you knock off the government discount, ford will also give you an extra $1500 and another 500 on top of that. if you finance for 36 months. take about $1,000 off the cost off the transaction price. at the end of the all, you'll be getting it for about $10,000. that's a pretty smokey deal if get a car any way. >> that's 40% off. i liky.

>> that car gets good gas mileage too. >> thank you for joining us today. we'll see you soon. are you wondering if the cash for clunkers deal makes sense for you? we've posted a calculator for edmunds on our website so you can plug in what you want. with a if you're sticking with the wheels you got. how do you know your garage isn't taking you for a ride. call or e-mail with your car maintenance questions and next week you could be on the show. we'll be right back after this. next, it's something more and more of us are doing. >> at that point in my life, i figure what do i have to lose? the dos and don't of moonlighting. later, feel like going out to eat? you'll be spattered with all kinds of deals that can save you 50% or more on your dining experience. >> consumer reports is here to tell us where to find the best deal. we're preparing a special episode of otm.

carmen, save me money. send me your questions on how to save on everything from gadget to grad school to summer travel. call me or e-mail me at carmen at cnbc.com and you can be on the show. taking its rightful place

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do you need help getting out of debt? e-mail me at carmen at cnbc.com. >> we all want to make more money and for many it means working a second job. one mother has taken moonlighting to the bank and then some. this is from nbc's lester holt. >> for single mom, allison, it was too much for one income to bear. she needed a second job. >> creditors were calling me just about every day.

it was just a place of preel darkness, it was a hard place to realize, here i'm an adult with children and can't pay my bills. >> she started moonlighting. selling silpada julie. >> i figured, what do i have to lose. >> and she is not alone. 10% of americans surveyed by career builder.com said they've taken a second john job in the last year. 18% plan to get one. with the average workweek down to 33 hours in june, the trend is likely to grow. >> let me see, turn around. >> reporter: a silver lining, she really enjoys her second job. it got her out of debt and renewed her self-confidence. >> i have a very full life but it's all -- it is full of things that i choose for it to be full of. >> for "on the money", i'm

lester holt. >> moonlighting can be rewarding but can be a mine field. here to guide us through the dos and don't, jeff taylor. these are things you say can you do and should do when it comes to taking in the extra cash. >> i think the first thing is make sure it's legal for to you do it. i'm not talking about the police. i'm talking about going to your company human resour sourcsourc department, can you moonlight? one of things i find ceo or executive in my employment contract it lays it out clearly, it's in the fine print, go and check because you want to make sure you feel good about working the second job. >> you don't have to take hourly gig where your brain shuts down, do something you enjoy. >> if you can work your hobby and work it as a seconds job, one of things it can do is power your ego and confidence and make

you actually better at your day job. if you're an accountant by day and you're a drummer by night, sometimes that can be fantastic for kind of the color of you as a full person. one of things to be careful about, i want to look at this if you are a nurse, make sure you are not necessarily doing nursing at night so you find a conflict of interest. >> listen, you can't jeopardize your full-time job. you've got to prioritize there. >> one of things i've discovered, sometimes people get so excited about their moonlighting or second job they are actually late to their day job. your moonlighting job is contributing 8 to 10% of your revenue or income, i sound like you guys coaching here, most of the income come from the day job, prioritize and do a great job and then drop in for the moonlighting position. >> you're getting benefits and health insurance from the full-time job, really protect that.

here's some of the don't you say. don't -- you mentioned this before. watch out for this conflict of interest. >> yeah, if your boss smells a conflict of interest, i think it's a real problem. i think they will dig at it. you don't want to be the employee being dug at right now. you want to be the employee being the shining star. when i look at this, if you're a hair cutter in the day and want to cut hair at home at night, make sure there's a separation of church and state, don't co-mingle between the home business and work business, you will lose your job. >> stealing clients is a no-no. now, you say here also too, you may not necessarily need to tell everybody you got the second job. >> one of my discoveries is most people don't want to know if you're making a second job. i'm a boss, have been for a long time. if someone is all excited about the night job and see them racing off four nights a week, are they leaving something on

the table they should be giving to the job working for me? tell a few close friends, this is what i'm doing if that's what you have to do. everyone has to measure this personally in their situation. i think you should keep it to yourself if you're working a second job. >> you also say here, two jobs. it's a lot. don't burn yourself out. >> there's an expression, don't burn the candle at both ends. this probably comes from people that worked and worked and worked. what happens is you're not good at either job if you get burned out. and i think this is back to prioritization, ultimately it's about loving your work, that's very important. but keep the priority in place and make sure you don't get burned out. you can lose both jobs and we know we don't want that. >> i'll insert a do for me. this is one of my really important points here, you've got to have a reason for the second job. if it's for the money, make sure it is earmarked to something in particular, a goal like paying off credit card debt, building

an emergency fund. make sure that money goes there. now, i've got an e-mail from lacy and she speaks for a lot of people looking for jobs online and work from home jobs. i'm looking for an online job and want to know how to tell what is lidge it and what is not. it was a link on a legitimate site but could it be a scam? what do you think, jeff? >> running monster for a long time. it was hard to keep these kind of jobs off our site. even if we're monitoring every single day, some of these jobs sneak on in the middle of the night and it's a real problem. i don't like the work from home title. i think that's very dangerous and full of spam. i would like to see you look at contract positions, temporary positions, telecommuting, virtual jobs, things likely to be more legitimate. watch out for the get rich quick stuff. anything that says you'll be a

millionaire in a month, the bigger of promise of money, the more likelihood of a scam. >> if they ask you to spend money to make money, that's not legit? >> worry about anyone that asks you to spend, even $5. you should bring your skills to the table, you have to interview well and shouldn't have to send anybody any money. i'll give you an exaggerated example. send $5 and your mother's maden name and we'll get you a great job. any of that private information, that should be a huge red flag, do not do it. >> thanks, jeff for that one on moonlighting. now, you know what's top on the minds of washington these day, health care. at the top of our minds too. especially two-thirds declare bankruptcy due to medical debt actually have health coverage. let's protect money and save money when it comes to getting good coverage. here's kimberly langford.

with all of the talk about health care policy, it's a real pressure on our wallets and we're finding that out, we're making it clear. >> there are a lot of things people can do right now to save money on health insurance. right now they can take several steps. they can raise their deductible. you can save a lot of money by raising your deductible. if you raise it from 2500 to $5,000, you can save 20 to 25% most policiepolicies, up to 45%e parts of the country. and then, if you raise it high enough too, $1100 or $2300 for family, you can open a health savings account. that let's you contribute tax deductible money and stretches your money so much further. >> we give you an example of a

$500 deductible versus 5 nourks. can you save a couple hundred dollars a month. if you use the deductible, if your kid goes to the doctor, where are the real savings? month to month savings or end of the year? >> you need to look at the overall impact. if you're healthy and don't go to the doctor much, many of these high deduct able policies have one or two visits without going towards the deductible. if you can put that in a health savings account, you get the tax-free money when you do need to use it. >> even if you have insurance, you say you've got to shop and shop again. where do you shop and why? >> my favorite website is ehealthinsurance.com. they have a lot of different insurers they provide prices for. you can see both what your premium is going to be but also

this wonderful grid that shows you what coverage it provides. you can really see how the policies stacked up against each other. >> you look at having separate coverage for your family if you're paying out-of-pocket with your employer costs too much. >> that is something people will discover this fall when they get the big packet from their ploersz, they are cut being back on the subsidy for family members. you may find out next year, it might cost a lot less to put the spouse and children on their own policy and you stay on your employer's policy, that can save you so much money overall. >> thanks kimberly. for more on health care, watch the cnbc special, meeting of the minds. at 9:00 eastern on cnbc. if you're in medical debt and want help, call or e-mail me at carmen at cnbc.com.

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i'm sure all of you have money questions for me that don't need a full ten minute answer. carla, what's your dollar d? >> we're currently three years into our 30 year mortgage and been paying $300 a month extra towards principal. we're not planning on staying in the home for ever. we already purchased our retirement home. should we continue to pay extra towards our principal or pay the scheduled payment? >> a big reason why you should not be putting the money towards the extra payment, you just told me, this is not your retirement home. this is not something you're going to hold for how many more years until you retire? >> probably 15 to 20. >> how long do you think you'll stay in the house, 15 to 20.

>> caller: at the most. >> your money will work better for you bulking up your retirement fund. here's a reason why tooxt i know that your mortgage is big enough you get the tax deduction, right? >> caller: yes. >> fixed rate below 6. >> 5.785. that is not expensive money to have. also, think of this way, you're putting money into a home whose value may or may not grow in proportion to what the market is going to do. you already have a big chunk of your money going to this home and your retirement home, right? >> caller: yes. >> let's talk diverse fiction. diversify what you've got and where your money is going. if you're putting too much money in real estate, you're taking chances with your current home and home you're going to retire in. thank you so much. >> thank you, carla.

>> i have an e-mail from patsy, are die tech or quicken loans trusty places to get a loan for a home? here's the thing, when you see the ads around for a bank or lendser, there are always complaints with any bank or lender. i want you to shop around. now, ditech has a b rating, make sure you have great customer service and paying fewest in fees. here's what you should do first, don't be sucked in by the ads, go to the community rates for the lowest fees and credit unions and banks you already have relationships with them, so you're not just another number or name. make sure to go with somebody in your community or anybody you already know. thank you so much, patsy. >> terry in georgia, what's your dollar d?

>> caller: carmen, my husband and i would like to retire in five years, we're not eligible for roth ira za and he does have a pension and with the pension and income from our retirement accounts we think our tax rates will be about the same in retirement as they are now. is there any reason that we should contribute to either nonmatching 403 b or to nondeductible iras in sted of investing in retirement accounts? >> absolutely. when it comes to matching or nonmatching ira, when is the benefit. if i can't deduct it, where's the benefit. here's the biggest benefit of having an ira of any sort. they all grow tax free. now, if you invest on your own in other things, which i'm not necessarily discouraging, take all of tax advantage products you can and use those. you're going to pay a lot in

capital gains taxes. i know you're in a certain tax bracket. why pay those taxes. why? -- >> i guess it's a question of pay the tax now or pay the tax later. >> sure, but you're going to pay it price if you invest on your own. >> let's say you make an extra $100 a month, a round number. imagine if you get taxed on the 100 bucks let's say the other account is down to 70, now you're investing with 100 in the traditional on your own, you only got 70. then you're getting taxed again. it eats away at your growth. even though you have only five years that's a good time to really bulk up the tax-free growth savings. >> caller: all right, sounds good. >> you have a dollar d you can't crack, join me through facebook. i will be there. i'm in there every day and i'll see you there. next, consumer reports is here with the secrets of saving big the next time you dine out.

>> you'll be battered with all kinds of deals that can save you 50% or more on your dining experience. later -- >> this is a 40 to $50 billion in income to the credit card companies. >> how you make money for your car lender without knowing it. when it comes to getting rid of your debt, it's all about efficiency. go at your credit card debt with a system. first, stop charging. next, concentrate on wiping out the debt with the highest interest rate first while paying minimums on the other accounts. once you knock out the first card, tackle the next then the next then the next. r remember when you're done, put the former debt dollars into savings. undefeated professional boxer floyd "money" mayweather

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on tonight's money watch, we've been pulling back on eating out. some casual dining restaurants have been making most of the down turn with deals galore. are they worth it? 07,000 subdescribers see where the best meals and deals are. todd mark joins us with the scoop on this. let's tackle first, the deals. where are the best deals? >> it's absolutely incredible what's happening today with the downturn in the economy, people are eating out less but don't

want to deprive themself of the dining experience. the deals have been flowing in by casual dining restaurants, we're talking about sit-down restaurants ranging from a real family style place up to a mortons. the deals have been spectacular at all ends of the spectrum. you see deals like outback, 15 entrees under $15. chili's has a deal for 20 bucks. these are all over today and change almost daily. so if you have a favorite chain, go to their website and find out what the latest deals are. >> you mention smd deals and some chains out there that you may be getting a deal but it may not be the best meal. you guys also -- what are the best values? how did you define value? >> value is the hall mark of today's dining experience, it's bang for the buck. it doesn't necessarily mean the

best restaurants like a morton's or capital grill which did very well, offer the best value, our subscribers said they were so-so at best. the real sweet spot are the middle of the road chains, black-eyed pea. those are a few of those mainstream, 15 to $20 places that offer decent food, better than decent food and tremendous bang for the buck. >> a lot of these are the more regional chains. so you may have one near you and it's interesting if those came out with the best values, when you go out for a steak, you want that steak it can be a pricey item. you guys find out something interesting about money and meat. >> that's kind of interesting, we wanted to find out if you could get a good new york strip strategic that wouldn't break the bank. we sent our sensory tasters out

across the country. we started with the benchmark. morton's of chicago. $53. and you don't even get a potato with that, $11 add-on. we sent them to outback, which is another middle of the road steak house, for $22, our testers said it wasn't quite as good as morton's but really a bombshell dell for 22 bucks and you get sides and a potato. >> less than half price of mort morton's. >> yes. friday days and applebees, but outback was the best deal. >> who came out at the bottom? there were quite a list of complaints you got. >> we asked what did you buy -- about the dining experience, what is it that really turns you off? what sourz that dining experience, ings l noise,

poor service and noise was the number one complaint? 41% of people had some complaint of one kind or another. noise was the biggest and texas road house was one of standouts for noise. if you go to a place like that -- >> roadhouse, hopefully you don't think it's too quiet. there are ways no matter where you go really, you can save. >> for this project, i signed up, gave my e-mail address to literally dozens of chains, as late as today i get three or four a day offering free dessert, half-price appetizer, i got a free $19 steak dinner for my wife if i wanted to take her out. if you have a favorite chain or too, don't be shy. there's not a lot of personal information you have to give. if you don't mind doing that, you'll be spattered with all kinds of deals that can save you 50% or more on your dining

experience. >> you can do what i do, i made up an e-mail address just for signing up for this sort of thing. i know that's where i go to look for coupons and deals. you can eat at certain times of day and places. >> one of great ways to save is dine at off hours or off days. monday and tuesday are killers for the restaurant industry. traffic is really slow. that's the kind of time they want to bring people in. black angus steakhouse, half price bottle of wine with the purchase of an entree. things like that. >> thank you so much for joining us and giving us the inside scoop on the meal deals. for more, head to the website, consumerreports.org. we're talking about how to save hundreds on price matching. i want to hear your tips on saving money on going out. call or e-mail me at carmen@cnbc.com.

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bank of our equity to make up grades that matter. here's the scoop from lxtv's open house. >> today i'm going to show you how to upgrade the value of your home he using technology and gadget, i have a whole table of gizmos here. let's get started in the kitchen. one of the easiest ways to take your kitchen to modern, use the same appliances. make sure they are energy star rated. in the long run, they will save you cash. in today's home, surveillance is key. you can go out and spend thousands of dollars on a kit or check this out. you can buy this baby monitor that allows me to do the same thing. completely wireless so i can set the camera up anywhere. it has night vision and i can

access it through the web. i'm sure you've heard of home automation or smart home technology, often it can cost thousands and thousands of dollars to access appliances and lighting from one central location. i found out how to do it pretty inexpensively and really easily. these are call smart home links. anything you plug in, you plug into one of these guys and link them together and you can access them from your phone or the web. you can set up different schemes. if you want dinner mood, hit one button and everything lowers. >> joining us right now, cat, i'm making home imt proxts myself on a recession nar budget. tell me i can do this. >> you can do it. you can totally do. you have to know how to shop. i thnk you can probably figure it out with a couple of tips. >> and a lot of ebay.

you tackled the kitchen. instead of upgrading your cabinets, why not go for appliances. any designer we will tell you uniform looking appliances will update the look. make sure you're buying energy star rated appliances. often an appliance will pull energy when you think it's off. if you buy energy star you can save up to $100 a year. that's pretty important. >> take us through the prices on the as tech coffee maker. >> the coffee maker you saw is around $80. i saw it on ebay for $69.99. go into the store and make sure you like it and do the comparison shopping online. >> that's what i do, cat, actually. home security is pricey. you showed us a neat idea. look to your baby in the

monitoring system. talk about the home surveillance kit you showed us. >> $180. the range i found online is 149 to $175. so the retailer moeby cam was having a special at around $149 for the whole kit. if you buy preowned you might be able to score a better deal on ebay. >> wi-fiing the home can save you too because you put things on auto or turn off lights from your iphone, that will save energy costs. talk to us about the starter kit. >> to be able to pull up on my phone, all of the lights in my home and appliances in my home is pretty awesome. for the starter kit it's around $130. online you get it from 119 to 129. i found preowned for 129. if you're away on vacation, you can make it look like somebody

is home when actually no one is there. the ability to control things from online is really where everything is headed. >> once it's hooked up for you, you get used to it, you adapt and can save you money. thank you for joining us. >> next, how the credit card company makes money off you, even when you don't carry a balance. [ sighs ] [ clears throat ] [ female announcer ] tired of waiting for great hair? [ woman ] hey! [ female announcer ] no worries! [ woman ] yes! [ woman #2 ] all right! [ female announcer ] aussie makes naturally beautiful hair simply happen. add some roo to your do! of the world's most revered luxury sedan. this is a history of over 50,000 crash-tested cars...

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i got an e-mail from sandra, i'm suspicious because my credit card which i had for a billion years and pay off every month, they want to change the card to a better one. they are not making a profit from me. as far as i can tell, nothing has changed but i'm supposedly getting better rewards. is there something big i'm not understanding here? here's the scoop. they do make money off of you in interchange fees. the fees they charge retailers when you use your card. 2 to 3% of the total, every time you use your card of every charge goes to them. that's how they make money. this is a 40 to $50 billion in income to the credit card

companies. this is the reason why many restaurants and retailers for example don't accept cards or retailers will only accept one kind of card because it cost the retailer and cuts into their profits. make sure with the new card that you're comfortable with the upgrade and it's not going to cost you any more in fees or terms. thank you so much, do you have a crazy credit card question or looking to get out from a pile of plastic debt. e-mail me or tell me on facebook. otm.cnbc.com. send me a message through the inbox to make it private. coming up next, a suze intervention you won't want to miss. watch tonight's web extra, saving hundreds in minutes. if you miss a show and want to watch a segment again, download full episodes at itunes. i want to see you next saturday

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coming up on quts the suze orman show. >> i'm concerned about my brother and the finances. >> this is about older brother, hasn't even filed income taxes for 2006, 2007, 2008. you owe about 50 to $55,000 right now to the irs. >> okay. >> not okay, say it. >> not okay. >> and you ask me, can i afford it? >> i want to move to california, a relocation as trol ger said i have favorable energies. >> everybody watching? stick with me here until the end. go on. >> hi, everybody, i'm suze orman

and you're watching quts"the su orman show". for years i have sat right here with you telling you what to do and what not to do. why do i do that? i do that because i really, from the bottom of my heart want the best for each and every single one of you. and what we need to understand is that every action that you take, in fact for every action you don't take, every inaction, there is a reaction. and there is a ramification to you and your own personal finances. and i just want to talk to you, very briefly, about a story about something that happened about somebody that i gave advice to and what they did with the advice or what they didn't do with the advice, and how it aggravated me and how you can learn from this story. listen up right now. not so long ago, somebody called in and they wanted