says. >> the september $45 calls are a good way to make that bet because you're basically renting upside, not taking all the risk. >> dan? >> how about this if i see ge with a $27 handle i buy it. >> our time has expired. i'm melissa lee. thank you for watching. see you next week for "options action" at 5:30 p.m. on a friday. for options action at 5:30. meantime, "mad money" starts right now. my mission is simple -- to make you money. i'm here to level the playing field for all investors. there's always a bull market somewhere. i promise to help you find it. "mad money" starts now. hey, i'm cramer. welcome to "mad money." welcome to cramerica. other people want to make friends. i'm just trying to save you money. my job isn't just to entertain but to teach and educate you. call me at 1-800-743-cnbc. tweet me @jim cramer. there goes another week where we spent too much time focusing on the fed. and not enough time on the

actual companies that are impacting their open own stocks with takeovers and breakups. i'm hoping next week that it might produce some more logical action. but before we get to the schedule you need know there are three prisms. three prisms thousand which we'll be viewing each quarter. first, if the company has an international aspect, we have to look at the strong dollar decimation where they get walloped from weak currencies and what's known as constant currency. where we figure out what a company would have earned if the dollar is unchanged. i'm concerned about the dollar conundrum because most analysts have yet to slash their estimates to account for it. so we're likely to see blood letting no matter what. second the financials will be talking about how they need higher interest rates to make more money. if they don't, the guidance will be definitively negative. finally every company has to pay heed to the price of oil.

if they believe oil will come back and they rely on the consumer spending to make or beat the estimates then they will be circumspect. and which is why the best place to begin next week's game plan is with the wells fargo energy conference that kicks off monday. starting with the bunch of the limited partnerships we'll hear from the companies offering their thoughts on crude. game on for m & a, we want to hear prognosticatores from that too. we want to hear about the endless rumors that tend to impact stocks after they have declined in this much maybe too battered group. tuesday morning get results from j&j. the headline numbers are as meaningless as they come. you'll ignore how they're doing about midway through the conference call when they give you the outlook and the

forecast. i suspect that the company's earnings estimates may have to come down and come down hard since j&j is as international as it gets. let this be the litmus test to how people will react to the stronger dollar, in an environment where they're still using weaker dollar estimates that i think are way, way too low. yes. i expect a lot of bad chatter. then we have two huge banks, jpmorgan and wells fargo. both will bemoan the low interest rate market. jpmorgan may make it up in banking but wells fargo is a huge business. that said, my charitable trust owns wells. i wouldn't mind buying more of warren buffett's bank into weakness. because this company is very very lucrative. don't let the rate story scare you out of wells. wednesday, delta is reporting. and the key transport average need ascii quarter to get it moving as the airlines failed to

keep their gains this week. the revenue delta can save the day. and then the disappointment with number cuts and disappointing regulatory and the on the positive i see expectations are as low as they can. we'll be listening to the netflix call. this stock has been motoring higher. but i think the worldwide buildout should encourage more buyers. thursday, american express, citigroup and goldman sachs. if the banks are down because of the earlier earnings reports we have seen, then make a bet on citigroup. which is getting its act together. i fear american express since they lost the costco deal. we have another dow stock reporting that i think will have an extraordinary quarter that

should be bought. united health group. unh. the health care stocks have been the best performers of late and i'm anticipating a fabulous number, along with more color in the recent and brilliant agreement to acquire catamaran, and finally on friday, we have general electric and honeywell. i expect honeywell to do a fantastic job. so here's the bottom line welcome to the week where earnings not macro forces will finally determine the action in stocks. expect good things from domestic companies like united health and for the rest i think it's case by case. why don't we go to jay in pennsylvania. jay? >> caller: hey, jim a big pittsburgh pirate bucco booyah at you. >> nice. what have you got? >> caller: i've got sterus corporation. i think they're healthy. >> i think i agree with you. and they're just terrific.

you have a real winner there. that fits my health care solutions perfectly. i should do a segment on it. ben in texas, ben? >> caller: booyah. i like your show. sysco, sales are level since 2013. return on capital, capital investment are decreasing. stock is up 18% year over year but down 10% in the last month. is this a hold -- >> my charitable trust owns it. i told the portfolio, the research director this is the level. we should buy it, it didn't stay under 20. didn't thai 26 very long. i think they're having an extraordinary 2015. david in florida. >> caller: booyah, long time listener. i love your candor and your exceptional advice. >> thank you. >> caller: i have got a question on sprint. >> right. >> caller: got a large position. i'm long, patient and prepared for the roller coaster ride.

i know besides the debt the cash ratio is a few positives since marcello is steering the ship. the sprint stores are packed from what i can see. marcello and both the cfo have purchased shares they're going into radio shack to further increase their revenues with hopes. should i be concerned? >> they do have to spend a lot more money than they have. they have a lot of money. but i think if the stock goes back to 6 i think you probably do want to do some selling. okay. maybe next week we'll bring logical action at last. i'm expecting good things for united health but the rest, they're case by case. much more "mad money" ahead. americans are living longer and that should change the way you prepare for retirement. i'll help you fill them with some gray and sometimes your 401(k) match doesn't cut it. we'll talk about when it makes sense to go above and beyond

your normal contribution. i'm weighing in. so stick with cramer! >> announcer: don't miss a second of "mad money." follow @jimcramer on twitter. have a question? tweet cramer, #madtweets. send jim an e-mail to madmoney@cnbc.com or give us a call at 1-800-743-cnbc. miss something? head to madmoney.cnbc.com. mr. cramer i love the show. we appreciate you out there. >> booyah from my kids they're in elementary school learning so much from you. >> booyah, mr. cramer. >> thank you, thank you, thank you so much. >> this has been my best year so far and away in the market. >> i want to thank you for looking out for the regular guys out there. >> i'm trying to teach people to be better investors and i'm doing my darn best. that's the goal here. >> great to hear your voice and know that you're there for us.

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tonight i want to talk to you about the big picture, about building wealth in general and

not just owning stocks in particular. because stocks are just one part absolutely the most important one. but still just one part of building real wealth. there are some people calling the 1% if you will who can make enough money from the ordinary day to day income to become truly rich. what a great thing, but for the vast majority of americans that paycheck is not enough. you need to augment it, work with it and if you keep watching i'll tell you how to do that. not only for the next year, or two years but for the rest of your life. usually i come and tell you what i think of the market. what teams are the best the stocks that best fit the themes but the truth is before you even start investing in stocks there are a lot of other things you have to do if you want to the pay off to mean something later on in life when you most need the money. you may not want to hear this. but there's absolutely fruitless to think you can get rich from stocks if you haven't laid down a foundation for building long term wealth before hand. what do i mean by that? simple. you could make a fortune in the market but if you're hemorrhaging money everywhere

else, then the healthy portfolio isn't going to do much for you. at best it will keep you afloat when if you plan things better, it might have let you become very wealthy. there are three, three absolute necessities, three things you must take care of before you consider owning a stock. i don't usually address the subjects, i assume you have this taken care of. but sometimes here on "mad money" i feel i'm remiss not to mention them more often. very few colleges will teach you a thing about how to manage your finances, but you might learn a ton of stuff about the english literature or the theoretics of marxism. especially since i know from your quest from phone calls, e-mails and @jim cramer on twitter, you crave this kind of education. you ask for it every day. i'm done ignoring it. what are the three things you must do before you can own stocks? first i know this will sound boring and you have heard it a million times.

sucks the life and fun out of everything. but i need to say it you have to have to pay off the credit card debt. i have to nag you on the subject. i'm not one of those zealots who believes that your credit card should be cut up in little pieces, turned into a nice mosaic. i have seen them made into hand bags but i do acknowledge the facts and the facts are these. if you have credit card debt you're paying an extraordinarily high interest rate to the credit card company. we are taking rates that may make a loan shark -- that's right, you're paying a loanshark. now, it would make a loanshark blanch. the late great tony soprano will give you better terms. although they won't break your kneecaps if you don't pay them. but they're financially kneecap. they can destroy whatever you have been able to build up from your investments and paychecks. like many aspects of personal finance i have a one time or another brushed up against the

downside of credit cards. in particular college and law school, i owed a huge amount of money, to make it so i had very little money left to live on. initially because of some rotten luck, i lended up living in my -- i ended up living in my car. i managed to put a few bucks into the funds i created. and by the way -- you ask what books are good, one up on wall street is the text for understanding the market that's ever been penned. it's on amazon. once i got a permanent address even though i was already in hock to a bunch of companies that i owed money to before i started living in my 1970 ford fairmont, the credit card companies found me. i took them all down. i always figured you can pay the minimum on each one and string everybody out. the credit issuers never seemed to mind.

i had four of them going each month. i got an offer for one more and when i added up the minimum payments and charges, i realized they amounted to the biggest expense after the rent. i wanted to default on them but feared the consequences. i end up restructuring the noncredit card debt with a agency. it gave me enough breathing room to get by until i went back to law school where i got a scholarship. i got some work from alan dershowitz and almost every penny went to the darn credit card companies. at the end, i was able to pay off the bills rather quickly. what a relief because in the end well i couldn't stomach opening up the mail. now not everyone will be as fortunate as i was snagging a job within several months of work, but i'm realistic and i know of what i speak there's no

way you can make enough money away from the card issuers to save in any meaningful way, let alone pay rent and put a meal on the table. if you're a great investor, it won't matter as long as you're burdened by credit card debt. even with good credit let alone the credit i had, you could be paying around 15% annual interest and if your credit is not hot, you could be talking about 20%, 30%. if your stock portfolio racks up a good return, that's a good year. but if you have a lot of credit cards, then all your money will be sucked down the drain. this is a sine qua non of investing. if you if you go into credit card debt then stocks are a hobby for you. all the wealth they generate will be cancelled out by the wealth destroying powers of credit card debt. >> the house of pain. >> i sound -- i know i probably sound like your parents here but your parents are right. i said there are three things

you need before you can buy stocks. the second is health insurance. you should not invest a penny in the market before you have health insurance. you might think the farokhmaneshif affordable care insurance is a nonissue but you have to buy it or you have to pay the penalty. don't be a moron about this stuff. even if you object to obamacare politically, it's idiotic not to get it and pay the fine. and of course there are subsidies to make it more bearable if you're on the lower end of the income. medical emergencies are the single biggest cause of bankruptcy in this country. i had no health care plan i had to drive hours to get to a farm workers clinic to see a doctor and then i couldn't get the care i needed. i know you don't think it can happen to you. and the younger demo of the audience can feel invulnerable, but believe me you're not. you don't want to be exposed to

the risk of not owning health insurance. one illness a couple hospital visit that can crush all the capital you have built in and away from the market. sure you can get coverage if you have a pre-existing condition but it's a heck of a lot cheaper to buy it before you get sick. you need health care eventually at some point. everybody does. before you start investing in stocks you need disability insurance. the rationale for both health insurance and disability insurance is simple. you can get wiped out in a second if you don't have it. all the precious gains will be for nothing. because you'll either have to use it to pay your hospital bills or support yourself when you're unemployed or injured. in short, you have to pay off your credit card debt and get health and disability insurance. the last two are offered by many employers in this country so you have no excuse to not get them if you think you can afford to own stocks. these are more than just items on a personal finance to do

list. they're essential elements in your strategy for capital preservation. remember, we talk about capital appreciation. that's when you grow your investments using your money to make more money. but we acknowledge that capital preservation comes first and you need to protect it to grow it in the future. pay off your credit card debt and getting health and disability insurance are the three most important things. investing doesn't make sense without them. why bother? with heavy credit card and without health care and disability building wealth can be futile. so take care of these issues starting tomorrow. and then we can create the portfolio that makes the most sense for you. zady in connecticut. >> caller: hey, jim cramer. >> how are you? >> caller: i love your show and i appreciate you taking the time to call me back. >> of course. >> caller: i quit my job two years ago. i'm 57 years old now, i have $400,000 in a 401(k) that i have

been kind of trading myself like in small cap which i haven't done recently thank god. i had good returns the last few years but i don't know if i should roll it into the ira. >> do you like what you have -- >> caller: well, i was in fidelity and i did really well with that. >> stick with it. you're in good shape. just stick with are locked in. let's go to mike in new york. >> caller: how are you, mr. cramer? >> how are you? >> caller: i have a question concerning the city pensions. i have been a retired police officer for two years. i have been in the city pension system for over 20. what is the difference between the 457 plan and a roth ira and what are the benefits or the pros and cons between the two? >> all right, that i have to ask you to check with your people at your pension plan because the 457 deferred plan i'm not quite sure how that works and i won't

be able to come up with something here. it is too important. i'm sorry, but that's a personal decision to you and i don't feel comfortable actually offering advice on that particular situation. before you can think of investing in stocks make sure you're building a foundation for long term wealth pay off your credit card and get health and disability insurance. on "mad money" tonight, you know i want you to be diversified and the same applies for your 401(k). should you ever tinker with your contribution level? don't miss my take. and plus the 401(k) isn't the only game in town. i'll tell you when it takes sense to add an ira to the mix. "mad money" will be right back. it's brutal full contact stock. >> traders are bracing for a wild session. >> the last play of the game. >> market's is getting hammered today. >> i know it's not easy, but i promise to keep fighting for you.

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it's never been done before simply becomes consider it solved. emerson.

jim cramer you're one of my heroes. >> i look forward to your show every weeknight. >> thank you so much for helping beginning investors like me. >> when you talk about the

market, i just believe that you're spot on. >> oh, i love it. thank you so much. every night we watch you. i have learned and earned. tonight we're talking about a subject we don't spend enough time on in the business media. long term wealth building. if you're serious about getting rich and more important staying that way, then i recommend you must do two things. first go to amazon or the local bookstore and buy the entire jim cramer catalog. now that i got that crass, shameless piece of self-promotion out of the way, the second thing to do even if you're year only 20s and started working, you have to start saving now. you notice i didn't say save for retirement. i said prepare. just stuffing your money in the first national bank stuffing it into your mattress or automatically saving it in the

401(k) or the ira, great though they may be, they might not be enough to prepare for retirement. you should take an active hand in setting yourself up for retirement. really getting involved with your money. getting your hands dirty. especially with the traditional vehicle for so many retirements, fixed income or bonds. yielding next to nothing. and with that minimum reward, not worth the risk. and that's what i'm here to help you do. young people don't turn off the tv. you have to do this too. believe me if there's anything who can make it sound interesting it's me. you need to learn how to do this some time. wouldn't you rather learn from a guy who's been around for ages even though he traipses like lululemon stink pants and drops into the waste cans and drives points home with the sound effects. i promise to give you some useful advice you can't find on the internet because so many of the bromides have been repeated that it's not worth calling it

advice anymore. you how would save should you put money in the individual retirement accounts, yes. that neat advice just a fact. people say use your ira, use your 401(k). cut up your credit cards. spout epiphanyies like pay your bills on time great pieces of advice that everybody already knows. yet, there are people who will still condescendingly tell you just that, just those points and assume it's enough to help you get ahead. i say it's not. basic financial responsibility is a jumping off point. i tell you where to go from there, because i didn't make a career out of giving people money advice. i made a career out of using money to make even more money. and i came to this gig later in life. so how from the perspective of a money manager like me should you go about preparing for retirement? what useful advice could i give you beyond just that you should

use your 401(k) plan if you have one, and your ira, which anyone can have. because you don't pay taxes on the money you contribute. you don't pay any taxes on the gains inside of them allowing for years after years of tax free compounding. how about some advice on what you should not do with your 401(k)? the conventional wisdom says you should put money in and it leaves you on your own. so what should you not do with your 401(k) contributions? first and foremost don't use much of your 401(k) money to buy stock in the company that you work for. i'm far from the first person to say this, yet company stock is still the most popular 401(k) investment out there. more people put their retirement dough into the stock of their employer than any other investment. i cannot stress enough how misguided putting too much money in the stock of your company is. it must be only one part of a much larger pie. why? let me put it in "mad money"

terms. every wednesday on the show we play am i diversified? you call in with your top five holdings and i tell if you're diversified, meaning you have all five in different parts of the basket. when it comes to investing, diversification when i tell you in the first gospel according to cramer, is the only free lunch out there. regular viewers know that if you expose too much of your portfolio to the same sector you're running an enormous risk. suppose you had all of your money in tech stocks before the dotcom collapse. hey, look many people did. you would have been wiped out. something that soured an entire generation on investing for years. or let's say the beginning of 2013 little more current, your entire portfolio was in higher yielding dividend stocks. this is a cohort that had been performing well for years because bond yields were so low and kept -- yields kept going lower which meant that investors who are looking for income had no choice but to buy stocks with notoriously big dividends. but then in the spring of 2013

we had an interest rate scare. interest rates began to rise and the return you got from bonds increased dramatically and all the high yielding stocks they got crushed. because they finally had some real interest rate competition from the bond market. so if all of your portfolio or even one third of it was made up of the high yielders you lost a lot of money even though the first half of 2013 was fabulous as a whole. that's the danger of not being diversified. those of you who are in the kind of stocks will get hurt again. you have to diversify. apply that logic to your 401(k). do you want to invest in the same company that's paying your salary? that would mean you're putting your savings in the same basket as your paycheck. what if you worked for enron or how about the earlier iteration of eastman-kodak for a more recent less unsavory example or any other company that goes under. you lose your job, you lose your retirement saving.

it's lose/lose. you think it's conjecture? i used to have a radio call called real money. i got a lot of calls telling me to stop bashing enron, why? because they had a ton of stock in the company. i said they needed to diversify away. and each team i heard about it, i heard about how it was too terrific to sell or the fact that it was down so much. they couldn't sell it. then one day it was gone. but many people have made this argument before and the company stock is the number one investment. why? you understand the company you work for and the excuses you're investing in what you know but that doesn't cut it. you have to cut it back tomorrow. here's the bottom line. diversification comes before anything else, whether it's in your discretionary portfolio to make mad money or investing in your 401(k). never put more than one fifth of

your money in the stock for the company you work for, like i advise not to put more than one fifth of your capital into any one sector. remember, that's what you're doing. you're doubling down, which carries risk beyond being undie un-diversified. stick with cramer to see how you can build lasting wealth for you and your family. much more "mad money" ahead. americans are living longer these days and yes, that should change the way you prepare for retirement. i'll help you fill the golden years. and sometimes your matches don't cut it, don't mismy take on when it makes sense to go above and beyond your normal contribution. both ira and 401(k), both, i'm weighing in. stick with cramer. you snapped it and filtered it. shouldn't you get more than a few likes? turn your pictures into stock advice. the next time a company catches

your eye, take a photo and tweet jim cramer. he'll give his take on the bigger picture. it's cramer's stock photography.

cramer you are super. you are awesome. >> i'm a first-time investor.

>> you're inspiring me to get into the game. >> your show is the best. i'm so glad you're on tv. >> i want you to know that you have transformed me. thank you, cramer. if you're looking to build the foundations of long term prosperity and if you're watching this show, i assume that's important to you, unless you just like the sound effects, first and most important step is to set up for retirement. that's why we're focusing on how to use tax favored investing vehicles like the 401(k) plans and the individual retirement accounts or iras. right now, i want to share with you my favorite piece, personally, of 401(k) advice. this is not some abstract idea. it's a tip that's based on how i personally manage my own 401(k). so unless you think i'm a clown, and utter stooge of the curlier shemp variety, you know what i'm about to tell you is worth hearing.

most people would take advantage of their 401(k) plans and that usually that contribution is automatic. so that every month you end up plowing in 1/12 of your total annual contribution. people will tell you to leave this alone, passively invest your money. like do it over -- i'm not one of them. why not? because there will be times that the markets take a big hit, a nasty hit. and i think you want to be able to capitalize on that in your 401(k). why would you contribute the same amount every single month when stock prices can differ radially from one month to the next? would you invest when it's nearing the top or the bottom? no. here's how to take advantage of a big decline in the market. when you have a long timer and stock market buy backs are reasons to buy, and not to weep or moan or pull your hair out. when you get a 10% decline in the s&p 500, what some would call a real honest correction

you have to put in twice the 401(k) contribution. instead of the 1/12 that you invest. if the market stays down do the next thing next month. beyond that wait another quarter before you double down again. although by that point the year might be over. i do this. this is what i do. may not sound like it would make a whole lot of difference in the long run, but i can tell you that it does. if you embrace the 1/12 solution in doubling down whenever the market declines you'll make more money than if you passively contribute every month. to make sure we're clear i'm talking about investing in a low cast s&p 500 fund or using a fund that acts like an index fund with a brain with a manager who has a long record of consistent performance. you can't find a mutual fund in your 401(k) offerings, they're so limited so it's best to stick

with an index fund. i can't get the people to change. but that's what you're doubling down on your contribution to. will this make a huge difference over the course of four or five years, maybe. but over 40 or 50 years it can be tens of thousands of extra dollars. because you adjusted your 401(k) contributions. actively managing things. here's the bottom line. pay attention to the markets so that when you get a 10% decline in the s&p 500 you can invest twice your normal contribution that month. take advantage of the cheaper merchandise out there. when you have a very long time you can think of the meaningful decline in the stocks as nothing more than a sale. no different than a sale at your local department store. that's the right way to manage your retirement portfolio. "mad money" is back after the break.

jim cramer you're one of my heroes. >> i look forward to your show every weeknight. >> thank you so much for helping beginning investors like me. >> when you talk about the market i just believe that you're spot on. >> oh i love it. thank you so much. every night we watch you. i have learned and earned.

while we're on the subject of long term wealth building i need to tell you about the limits of what many people consider to be the holy grail of retirement saving. your 401(k) plan. now, i have given you all the 401(k) do's and don't's tonight and it can be a vital part of setting yourself up for a cozy retirement or a grandiose wealthy one. why not? but i'm definitely not part of the crowd that says you should max out on your 401(k) contributions every year. that would mean putting in $18,000 a year which is the limit on contributions for 2015. now, your 401(k) is important. but it has its down sides. plenty of them. you'll hear people cite high management fees and they definitely eat away at your capital. there's no question about it. but for my money the worst thing about most 401(k) plans is the

lack of control over your money. and the lack of choice over what you can invest in. i believe that the best way to invest as you know is to buy a diversified portfolio. do the homework so you know when it's time to buy or sell and when it's time to sell everything. which is very rare. by the way. most 401(k) plans don't give you that option. instead you get to choose between no more than a couple of dozen different funds, stock for funds and even though you can ask your hr department to add more, but i don't know if i'd waste my time trying to change those things that's why we have the ira, and it doesn't have the high management fees of the 401(k) plan and lets you invest the money the way you want to. making it in most ways a superior vehicle for your investments. it has the same great deferred tax status as the 401(k) and with many 401(k) plans, your

employer will match up to a certain point that's free money. you'd be a fool not to take it. but there's usually a cap on how much money they'll contribute. so here's my rule of thumb for retirement investing. contribute as much money to your fund to get the full company match and then stop right there. at that point don't put another penny into your 401(k). at least not until you maxed out your ira contributions. after you get the full match in your 401(k) you want to put all the rest of the money you're saving for retirement into an individual retirement account. if you want to know whether to use a regular ira or roth ira or the difference between them, may i suggest you pick up a copy, not at your local library of stay mad for life. the personal finance book i wrote. for now though we're talking about a regular ira when your contributions are tax

deductible. and you pay no taxes inside the ira, those profits are allowed to compound year after year tax free. until you start drawing it and you then you pay the taxes on it. you can pour in $5,500 into an ira, unless you're over 50. in that case you can contribute $6,500 a year. max this out if you can afford to. after you milked your employer dry with your 401(k). if you do that, you should fund a terrific retirement. if you want to contribute more money go back and put it in your 401(k), however, that's only after you have maxed out your ira. let me give you the bottom line here. 401(k) plans have lot going for them and you should only contribute only enough to get the full match from your employer. and then after that the money goes into the individual retirement account. keep going until you max it out, at $5,500 a year or $6,500 if you're over 50. "mad money" is back after the break.

listen to me. you own twitter because like facebook there could be an earnings break out here. i think mallinckrodt is a takeover bid. you're going up against kevin plank if you're at weight watchers. i will not be on the playing field with kevin plank. i think it's devin or eog which my charitable trust, and they took off like they're all next. it's good enough to own and i say congratulations to all. ♪ >> it's not a game of musical chairs. it's about investing in the best companies. do that and you won't have to even ask please don't stop the music. sunedison has a brilliant structure and they let themselves roll up the solar and wind power assets and building

vast projects to become renewable energy colossus. i think it has more room to run. then there's adarko. they had a good quarter. costco has rarely ventured this far from the high and start right here if you don't have a retailer in your portfolio. costco, you have a chance. boy: once upon a time, there was a nice house that lived with a family. one day, it started to rain and rain. water got inside and ruined everybody's everythings. the house thought she let the family down. but the family just didn't think a flood could ever happen. the reality is floods do happen. protect what matters. get flood insurance. call the number on your screen to learn more.

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mr. cramer, i love the show. >> we appreciate you out there,

man. >> booyah to my kids they're learning so much from you. >> booyah, mr. cramer. >> i know you hear this all the time, jim, but thank you, thank you, thank you so much. >> this is my best year by far and away in the market. >> i just want to thank you for looking out for the regular guys out there. >> i'm trying to teach people to be better investors. that's the goal here. >> great to hear your voice and know that you're there for us. they pile up we got to get to work. yes, your tweets and you have been sending them to me. so here we go. our first tweet from @ -- who asked how do you take advantage of the correlation among and not between stocks bonds and money markets to steadily grow an ira, #get a plan. this is very easy. depends on your age.

if you're a younger person i don't want to see any bonds. you'll compound at 3% i want to see stock stock stock. as you get older, stocks with dividends and then the middle ages load up on bonds. we need to make money with our money. we can't do it with the bond market. next @ryan meyer 8 asks, i'm looking at dividend stocks? when is the best time to purchase and what evaluation do i review? there's a terrific newsletter on the street.com who does the give dipdz stock adviser. he tells you which are safe and which aren't. and that's what i recommend. and @mad money, pay off the car or the house? pay off the car, house, let it run. your mortgage can be very low. you might get a better return

from the dividend stocks that we talk about and get that morage in -- mortgage money. this tweet comes from @ctv ater. what percentage should people save and invest from their income a month? this is one area where people can use advice. i talk about this all the time. my advice is you should look at what your discretionary money would be away from just eating. that's the money that i want to see put away. all right? just in other words, movies that kind of thing, try it. i did it for two years and i can't believe how much money i was able to save. two years when i got out of law school. up next, we have a tweet from @little feet farm. how many stocks is too few, too many to own? we are professionals, we know how to do the analysis that means i think for you if you're -- an amateur home gamer, no more than ten. it's too hard, you don't have the time. let's go to this one, who says student loans less than 3%. suggestion, you are brilliant. that is just what i want. take a look at some of the limited partnerships. some of the higher yielding

utilities are very good. and the individual -- iyr there are excellent real estate investment trusts those are perfect for you. the next one, how much tinkering with a retirement account is too much? our quarterly adjustment changes too much. first of all i know a benchmark of too much changing around and that's my fantasy league. do not change 26 times a week. that makes no sense. what you have to do is you do the homework. listen if everything you bought is good, don't make any changes. we only make changes when our thesis isn't panning out and circumstances have changed. not because we want to make changes for the sake of making changes. @realtor asks me i'm getting them there. do you favor any particular financial advisers #get a plan? this is really important, the most important advice you will get. i need you to find someone else who has one. and recommends that person. why? because i have discovered this industry most people are too

small for the big guys. i have been on fights, representing people who have $100,000 and don't get any treatment at all of any sort of personal touch. so you've got to find someone who -- in your orb who has a good person and use that person. i know that sounds like geez i'm punting, but it's not. otherwise you won't get the personal touch that's so needed. all right, stick with cramer. it's a brutal full contact sport. >> from the time the whistle blows -- >> traders are bracing for a wild session. >> the market is getting hammered today. >> i know it's not easy. but i promise to keep fighting for you. >> jim cramer leveling the playing field for all. >> the road is a tough one. but the payoff can be your greatest win of all. >> join "mad money's" training camp weeknights. ng, sir. with a little help from my state farm agent i plan to retire in 15 years. wow! you're totally blindsiding me

here. who's gonna manage your accounts? this is a devastating blow i was not prepared for. well, i'm gonna finish packing my things. 15 years will really sneak up on you. jennifer with do your exit interview and adam made you a cake. red velvet. oh, thank you. i made this. take charge of your retirement. talk to a state farm agent today. there's nothing more romantic than a spontaneous moment. so why pause to take a pill? and why stop what you're doing to find a bathroom?

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cramer, you are super. you are awesome. >> i'm a first time investor. >> thank you for inspiring me to get in the game. >> your show is the best. i'm so glad you're on tv. >> i want you know to you have transformed me. thank you, cramer. i'd like to say there's always a bull market somewhere and i promise to find it right here on "mad money." i'm jim cramer and i'll see you next time.

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