the pilot pulls out all thes getting a time piece for free. nothing is considered the ultimate stop flight while it may have cause john 300 k to get airborne. there is no doubt that the memory is priceless. hi everyone, welcome to "on the money. prepare for the unexpected, finances and our future. we shear the lessons that she learn. the new technology, it comes with a warning millennials and money, why their attitude really matters and how losing a job help make one woman's dreams come true on the money starts right now.

this is "on the money. your money, your life, your future now, becki quick we begin with our own story. she's here today with our cover story and it is her story of a life-changing event that came out of nowhere >> reporting how the manage and protect your money is what i do. >> the bottom line is needing to save more. >> it is critical to plan for the unexpected >> that, i know. >> the days started like many others making sure that my daughter got off school and coordinating with my schedule with hi husband. then i went to, the rest of the

day became a blur of doctors and hospitals and emergency room and scans and images revealed bleeding in my brain it was a ruptured brain anyerrism. >> of those two, i don't know which is worst >> surgeries was just the beginning. i spent two weeks of intensive care, followed for long day of reh rehab. relearning how to keep my balance. my recovery was more demanding than we ever expected. >> you are emerge in the medical frenzy, making choices that could define your life and family and future. getting backup to speed on running my family's finances took time.

thankfully, i have planned ahead, something stacey francis says many failed to do the number one mattis medically related. if you are not preparing, you could be putting yourself in a disaster situation of having to use credit card debt and going into your retirement plan. >> the disableableility insuran helps pay the bills while i was at work. >> make sure you have at least three to six months of your living expenses. does it pay enough and your financial situation would be comfortable and secure make sure your estate planning is updated the steps i did before my brain injuries allowing time with my loved ones and family and friends help me get stronger and encourage me to get further and share me on as i reach another

milestone in my recovery, finishing my first ever 5-k race >> this is the first race she ever done and the fact that she was prepared for it through illne illness, that was an amazing moment >> that moment completing the race was not only a personal achieveme achievement. you can learn more about this disease at bafound.org >> shacheryl, welcome, it is the first time i have seen you for several months, too. >> i am so glad to be back >> were there many signs >> there were no warning signs i did not have high blood pressure, i don't smoke and i was working out three times a week so i thought i was fine

i really did not have anything that i thought was wrong with me i later learned that my great grandfather died of a brain hemorrhage i don't know what caused that. i never thought to ask or check. >> how did you know when you got a headache like that it was a serious situation because your actions probably saved you >> i never felt like that in my life i contacted my husband and he came to get me right away. it is a second to second minute type of injury the fact that he got me so quickly to care which was what saved my life. >> you made changes and we see that you ran 5-k for the first time any changes? >> my meditation is key part of

my daily routine financially, i made a big change is making sure we know where it is rather than me trying from the hospital telling what we do, now, there is one place we can go to and seeing our accounts in one place. >> what's the website? >> mint.com. >> that's a great website to use. >> by the way, carol mccallahan, thank you so much for being here >> it is my pleasure i am honored to be here and welcoming cheryl back. >> thank you >> one of them has to be sharon's experience and dealing

with disability insurance. >> that depends on how much debt you have and cash flows are. disability insurance protects 60% or 70% of your income. if you don't have a lot of savings, it is imperative you must have disability insurance >> sharon talked about having three to six months worth of cash, is that a goal to go with? >> three to six months, three of you have a great stable job with good insurance protection, six if you don't have much protection you may need more if you have a lot of debt. you got to work on getting that debt down so you don't have a big of an emergency fund six months is a good nrm umber o shoot for. shannon, and many things, how

daus sta does a state planning work >> there is so much more of estate planning and i am glad that we had done it a long time ago and reviewed it recently the healthcare power attorney is the most important part of my journey at the beginning i was unconscious and unable to make decisions >> did your husband? >> my husband was the power of attorney within hours, she was there also, my sister. i did have the key people that were apart of my estate plan there for the emergency care and ongoing care that i received >> what would happen if your husband is not named though, is he allowed to make decisions anyway >> if i was single and i did not have a healthcare power of attorney, there maybe another question of who that would be. it is an important thing and have a discussion about, it is a conversation to have right away. >> carolyn, people would start

to think this is great, i need to do this how much does it cost for me to get into estimate planning >> you can do healthcare power of attorney free in any state. they're available on the website and look for your state form not only complete the document but share with your wishes and what your healthcare surrogates are so if anything ever happens, everybody knows what the do. >> what are you talking about, is that a do not resuscitate order? that's a thing that scares me. >> well, it is not just end of life, it is about you can have any accident that can make you incapacita incapacitate for a while. >> if you have the right directive, your wishes are

honored. >> thank you very much >> i am happy of the part of my team, too. that was a great resource for me education about your health and knowing whatever condition you are in is so important >> don't wait. >> we'll see a lot of you. >> so excited. >> i am happy to be here >> for more on the foundation, you can go to the website again. bafound.org. we'll be right back.

. apple's latest phone is raising some eye brows we are talking about facial recognition technology where the phone takes a 3-d scan from your face and unlock it could that be compromising security for convenience joining us now is our technology reporter, april, thank you for being here today >> thanks so much for having me.

>> apple says face id keeps facial recognition stores locally on your phone and not on the company easter ver as we see more companies are using bio metric technology, do they use it in some other way. >> the largest is probably facebook, 350 million photos are uploaded daily and they use all kinds of software to detect who's in those photos. >> what are they doing with the database >> they are detecting who's in your photos but in a few years, we could imagine the scenario where there is a camera who knows you walk into the store and that's mirrored with your facebook activity. >> so the store would know to send me coupons as i walk in >> or your emotions or maybe you are having a good day because

you share something happy about your family and they can market to you we know facebook is working on technology that can perceive your emotions based on your face >> we have given all the information for free and we end up giving a lot of yourselvourso free it does raise the question,are we compromising security for conveniences the reason why we do it, as soon as we click agree when we have to engage of a new software or website, we are giving a lot more with just one click right now it may not seem pervasive but it is not far fetch like i said imagine of hyper targeted advertising based on your emotions or where you are in the world or where you are in the internet but having the online activities and tracking offline as well

>> it is something that we can think about. oh, right now there is all the companies that leaders are doing good things with it but it does raise all these specific issues down the road. is it too late once we giveaway information. >> it is important for people to raise concerns if they have them and particularly if they are worried that you know having advertising hyper targeted to every emotions wa walk through the world it maybe manipulating. police need a warrant to unlock your phone or compel to hanover your password. they can force you to put your finger on a touch id it is simply confiscating your phone or holding it up to your face >> not that i have done anything that i am worried about but you do have me thinking about these things, april glaser, thank you

for joining us >> thank you, up next, we are on the money, will that make a conferrab comfortable retiring how one woman turns her bite size fashion to a multi million dollar business. you know what'sg your website with godaddy. pick a domain name. choose a design. you can build a website in under an hour. now that's a strike! get your domain today and get a free trial of gocentral. build a better website in under an hour. i love you.

the millennials have been called the recession as a dprugroup, they have diffet thoughts on work and money and

happiness. >> christie meechum, thank you for being here >> absolutely. >> millennials are born in the 1980s and 1990s. >> they are so large so it is a generation that's 75 million strong and they make up 75% of the work force by 2025 it is important that we understand them. >> we know in your survey more than half of the men rillennialy they'll never be uncomfortable of what's in the market, is that what they grew up? >> they really internalize that. about 30% of millennials have no investment in the stock market today. >> how does that match up with gen x and the baby boomers >> at the same time we study the

millennials, we study the boomers and saw a big gap and conference there the millennials are the special generation that presents a challenge for all of us to help them over come, you know, what is a lot of financial anxiety and investment anxiety this week in washington, there was a lot of talk about what to do of 401-k plans and tax reform and lowering some of those limits of how much you can put in tax defer >> i think this policy is discerning you know i am spending my career making changes of 401 k >> tax, deferred savings is a critical component of that it is interesting that we are having the conversation today. for the first time have a lot of confidence where the system could deliver what it was designed to achieve. >> we are talking about this

when pensions are being slashed and asking people to take care of their retirement. >> it is a definitive moving in the wrong direction. >> when you look at millennials and those who are positive of money and how to deal with it, what do they have in common? >> it is called the positive financial indicator, it was the battery of five questions that signal that millennials was engaged with their money when they answer affirmatively to all five of these questions, not only they are happier but they are more comfortable with the stock market they were more comfortable that they knew what they needed to know to be in charge of their finances >> millennials don't connect money to happiness it is something that they really want to push to the side we found something important it is not about the money that you have, it is about engaging of what you have is important. >> christie, thank you very much for being today. >> up next, a look of the news

for a week ahead and a recipe for success, how one woman turning her bite size cakes to business >> right now lets take a look at the stock market at the end of the week

i love you, droolius caesar, but sometimes you stink. febreze car vent clip cleans away odors for up to 30 days. because the things you love can stink. here are the stories coming up that may impact your week

you maybe spending some of that income on candy and costumes halloween is on tuesday, of course >> on wednesday, it is the latest autosales that'll be release and the federal market committee will end its meeting on an announcement of interest rates and we'll see how many jobs were gained or loss for the month of september >> things were not so sweet for melissa. nine years before she was fired from her job now, with her business, she employs 13,000 people and she has multiple locations >> this is an incredible story what happened, you got fired from what job and how did you decide to bake >> i was fired because i was not

passionate about the work that i was doing. i have loved to bake and i have been known of my cup cakes i went home and batched foked fr batches of cake. i started doing events as a cater less than a week i have been fired >> it cannot have been smoother all along. as an entrepreneur, what have you learn to help other people >> the most porimportant thing o see every challenge is an opportunity. when you find yourself frustrated, it is an opportunity to learn and grow. that's how i meet every single challenge and that's how my entire team does and that's what makes it amazing >> i love your attitude. i think i would have gone to a

bar instead of home to bake. >> you can only control your response c response >> you are right, the rest of life is out of our hands what do you do next? >> we are at an exciting point at baked by melissa. we are expanding our new prints and new markets. we are looking to open a store on new york. you can go to bakedbymelissa.com and order online >> how do you play how much business from online and how much from the store and do you use any information you find online to decide where to open stores >> of course, our retail business is the first touch point. witne once you experience our product then you can go to our website to order online.

our emerscommerce business is growing. it is exciting, we use our retail experience to show what's possible >> we'll try one of these but i have to say i have tried them already because we get them from the mall here. our girls love them. i am going to go with your tide dye. >> it is so great. >> thank you for coming in today, it is a great way to end the show that's our show today, i am becki quick. thank you very much for joining us next week, the hot toys and gadgets. keep it here, have a great one and we'll see you next weekend you won't see these folks at the post office. they have businesses to run. they have passions to pursue. how do they avoid trips to the post office? stamps.com mail letters,

ship packages, all the services of the post office right on your computer. get a 4 week trial, plus $100 in extras including postage and a digital scale. go to stamps.com/tv and never go to the post office again.

relax, there is one name reporting next week that some traders think it is a real sleepers we'll give you the name. later, why is this man