hi, everyone welcome to "on the money." i'm becky quick. the one thing you can do every day to make your happier, healthier, and more productive and the entrepreneur who figured it out the wrong way. and we're not talking about gambling what you need to retire. it's not tax cuts. it's not infrastructure, the key to keeping america's economy strong. >> and running the girlt scouts, is it harder than rocket science? we'll find out from someone who knows both it's a whole lot more than about selling cookies. hmm. i wonder who that is "on the money" starts right now.

we begin with a good night's sleep. are you getting at least seven hours of sleep a night the average american's answer is no it not only affects your health but your work. how do you work toward getting a good night's rest? that is our cover story today. one in three adults are not getting the recommended night's sleep. it's a hazard to your health according to the cdc increases the risk of developing chronic diseases such as diabetes, stroke, depression, and heart disease, just to name a few. lack of sleep can also hurt job performance in spite of the fact many skip sleep hours to put in more work hours. insome. >> ya results in 11 days of productivity a year, which is costing companies more than $2,200 per employee. as a nation that represented a

loss of more than $63 billion a year part of the problem is most of us are perpetually plugged in. 71% of us, myself included, sleep next to our smartphones. blue light stops or slows the production of melatonin. that's a signal that tells you it's time for bed. there are tips and tricks. joining us is arianna huffington she's an owner and also the author of the book you stepped down from your post in 2016 and launched "thrive." why did you step away from "huffington post" and do this. what happened? >> could see in my own life and everyone around me from my own data that sleep data, stress burnout were becoming epidemics

and they're costs businesses trillions of dollars and cost human beings health, happiness, and productivity i wanted to create a company that could both work with corporations to change their culture and help them see the connection between well being and business matrix and also have a media platform where we could have all the latest science and neuron models. jeff bezos wrote a piece, "why getting eight hour f os sloof is good for amazon shareholders." it was crazy he was getting sleep to make the best decisions it's really the connection between making good decisions. >> this comes in a culture where people would brag about how little sleep they were getting you had your own wakeup call

that hit you over the head. >> exactly ten years ago in building "huffington post. i slammed my face on my desk when i fell asleep and broke my cheekbone. a lot of the wakeup calls are much worse it's people who have strokes, diagnosed with high blood pressure or things that are avoidable. this is really for me a key start. 75% of our health care costs and health care problems are because of stress-related preventable diseases >> what tips would you give people because i'm sure there are people who are watching at home thinking, yes, this applies to me, but what do i do. >> if i could give you one simple micro expect, it's to pick a time at the end of the day when you declare the end of your work day. and the way you symbolize that is by turning off your phone and gently escorting it out of your

bedroom. you can start with ten minutes before you're going to turn off the light. just have a little transition time and make sure you don't sleep with your phone. it's great to have one minute, that's a micro step. your phone is everybody else's agenda for you, like what the world wants from you so remember what you want from you for this day and it can be literally 60 seconds, ending your day without your phone and starting your day without your phone are keys and that's why we launched the thrive app. >> it seems a little counter intuitive to use the technology to break ourselves or wean ourselves from the technology. how does the app work? >> first of alling it's bidirectional. if you put your phone in dinner mode and text you becky is in thrive mode until such-and-such

a time the idea is almost like a humblebrag instead of becky is always on, she wants to change things we celebrate. becky knows how to prioritize her life, she knows what's important, and she's in thrive mode. >> and you're okay if one of the thrive employees -- you say i need help and you get a message from the thrive app, do not disturb? >> i absolutely love that because we all have to learn to work in teams, and if somebody's taking care of themselves, it means they're not going to burn out. and we know that burnt out employees are over 30% more likely to change jobs. so, you know, it affects saturation, it affects productivity, and it affects health care costs. >> you know, you are a founder of some of the social media online "huffington post," finding ways to reach out, find new people. there have been concerns brought up by early employees of facebook recently, by investors

in apple, kids getting addicted to social media and the rest of us getting addicted too. what do you think about all that >> i think we're at a major inflection point, becky. if you think about that, all of that vel actively new. it's been ten years since the smartphone has become ubiquitous and such a big part of our lives. now we're establishing the rules of the road. also companies are beginning to realize the backlash and to take steps to basically produce products that are not so addictive. otherwise they're going to be regulat regulated. >> thank you. here's a look at what's making news in "on the money." on wednesday the dow closed above 26,000 for the first time ever and had its best one-day gain since november. the nasdaq and s&p 500 setting

new records as well in part because of the corporate tax cuts and optimism about the economy. stocks were mixed later in the week apple says it will create 22,000 jobs in the united states and open a new campus as well. the company will bring back the $250 billion it's been keeping overseas because of the tax returns. it will pay $38 billion in taxes and make what it says is a $350 billion contribution in the u.s. economy over the next five years. if only they can replace the batteries in an iphone 6. am zob has narrowed its search for a second headquarters there are now 20 finalists amazon's choice will mean 50,000 jobs and plenty of gross and tax revenue for the state that eventually wins. the company will make a decision sometime next year. up next, we're "on the money. how can the economy keep growing. we have a new answer and it has nothing do with taxes, new spending, or interest rates.

and speaking of growing, retirement accounts are hitting record highs think you finally saved enough what to do next if you've reached your goal. now take a look at how the stockmarket ended the week

the u.s. economy has been growing for aid straight years, but a new standard & poor study has a way they think they can boost the economic boost further, hire more women beth is the author of economic boost and of a city. a lot of people think we've been growing beneath our potential. you have identified one area you

think will improve things. how did you get to that thesis >> we have been growing, what is good to know, but it's been slow averaging around 2.5% through this recovery, and our potential growth outlook now is down 1%. we expect only 1.8% growth we see one of the ways of resolving this is bringing women back in the work force we've seen a slowdown in women entering and being retained in the work force, and this productivity boost we get from these women could give you a boost. >> what do you think is keeping women from being in the work force at this point? >> probably the biggest burden is child care. now that men are stepping up to the plate, women do share basically the lion's share of child care not just child care, but elder care as well what the study shows is women take a lot of time out of the

work force when they have children, and 25% don't come back how do we bring them back into the work force if we choose to >> what do we do how do you deal with trying to make women feel like they're not taking time out to take care of the kids, or are there more affordable ways for child care i can think of a lot of ways >> of course the tax package does offer more child care credit. that's one step in the right direction. another thing to consider, while women get that education, they hit the penalty for time off open up the opportunity for flexible work schedules. that would help businesses and women. women because they can help at home and work with overhead. >> with women, there's a pay gap. if you look across the board how much they get paid compared to their counterparts, is that

something that factors in? >> one, women are certainly well educated, but we've seen for example stem fields. >> for the type of careers they're choosing. >> types of fields on a field that's been a male domain, you can see that only a certain amount of women get educated that's half of what men do those are higher wages and higher employment opportunities, so that would be an area but you mention the hurdles. it's not just there. that goes to the question of the time off you can get as many degrees as you want, but if you're not in the office, you're penalized in terms of wages and that also has to be addressed. >> thank you very much for joining us it's gr tot see you. >> mm-hmm. up next, in "on the money," if you think you've save nufd for retirement, don't head to the beach just yet we've got the one mistake that could derail your plans. later, the girl scout cookie

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a strong stockmarket and better saving habits mean that more baby boomers are reaching a goal they finally have enough room to retire if you're at that point, what do you do now joining us now is sharon epperson

good to see you. >> good to be here. >> it's hard to feel like you ever actually made it. if you get there, what's the next step? >> some mayfeel it or think they made it but you have to check yourself around see if you're at that point we do see new studies showing that about 50% of americans now have enough money saved to live a comfortable retirement that's a significant number. it's happening for two reasons of course, we have the market highs, but we have more people putting away more money into their 401(k) and i.r.a. and we see it topping more than $100,000 ever. a reason why some people may feel more comfortable. $100,000 not enough to retire on for many people, but there are others who might be close to their retirement goal. >> you feel great about that but then when you see the markets sitting at new highs and you think things are fantastic, do you need to worry or real indicate >> now is the time to renew your

goals. think about how much money you're going to need starting with tell retirement budget and planning ahead and what you want to do in retirement, travel, hobby. those are expenses you may not have now that you're going to have to consider think about your life, peck tansy. the healthier you are, great, but you're going o have more health care expenses you want to consider all of those things. >> if you've been invested in stocks to this point, that's great, but things that go up can also go down rapidly. >> but the market is doing great, but that means you have more risk in your portfolio. maybe it's time to reallocate and reallocating in your i.r.a. and 401(k) is a great place to do it because you're not going to have the tax impact if you're selling your investments and rebalancing your portfolio the others may say i want to sell and keep in cash. i'm afraid of the market it's not that you're afraid. you want to be secure that you

have enough for short-term expenses. >> my biggest problem with figuring out how much money i need, how long am i going to live how do you plan for those things >> you think what you want that money to do for you in retirement do you want to continue to save to make sure you have enough or spend everything you have and spend more freely now that you have more money or do you want to donate some of that money then you start to think of where you want to donate it. >> yeah. that's great a lot to think about thank you, sharon. i always appreciate seeing you. up next "on the money," a look at the news in the week ahead. and girl scouts and high-tech companies and why s.t.e.m. is not about picking flowers. these birds once affected by oil

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here are the stories coming up that may impact your money this week. on monday, the world economic forum in davos, switzerland, kicks off. leaders from the world of business, economics, and politics will all be gathering. on wednesday records for home sales will be released and on thursday we'll get the economic indicators that tries to predicted economics for the next six months. on friday it will be release and a reading of the first quarter gdp. and cheers, it's irish whiskey and coffee day

it's that most wonderful time of the year the girl scout cookie season has begun. it marks the 101st year for the cookie program but there are more than sweets to the program these days. civil via, thank you so much for being here. >> thank you so much for having me. >> you brought cookies i'm thrilled. >> it's cookie season. >> it's come a long way from when we were in girl scouts. >> absolutely. there's so many ways we have really evolved the cookie program. for now, we now have digital cookie rngs so girls not only get to decide their business opportunities, how they're going to market. theyee yat online videos, cookie mailing lists, customer service, product delivery it just teaches them invaluable skills that they use in life. >> by the way, you included -- you're somebody who was a rocket scientist before you did this,

before you ran girl scouts i wonder what's tougher, running the girl scouts or running rocket science >> there's a lot of complex math in rocket science, but there's so much joy in really making a difference in girls' lives i know the power of girl scouts and how it impacted my life. i went from a small desert town as a brownie. >> there you are. >> yeah. i got to live the life of my dreams because girl scouts helped me understand and appreciate that i could do science, that i could do math at a time when girls like me weren't going into those fields and i made a rocket for my science badge and that taught me i could do it. i worked on the voyager 2 mission that went by jupiter i'm so grateful for that. >> let's talk about the badge. you made the rocket to earn the rocket science badge. >> yes back when i was really young, it was the estes rocket i learned there was a lot of trial and error.

i didn't read the directions right. i got the chemicals wrong. that's exactly how you learn hands-on science that taught me i can do it. >> you're making changes to girl scouts as well i know there are 22 new badges something are with raytheon, nasa, and others. >> all of our stem badges are teaching girls how to problem solve. a lot are rem bracing the outdoors, don't have anything do with technology as well. we want the girls to have confidence that as the world uses technology more and more, they know how to create it they're not the users. tla're the ones they're designing. >> i was a girl scout and brownie too.

my mom was a cookie chairman. >> this year back by popular demand for the 100th anniversary last year sort of in the spirit of our outdoors program, we announced and released our s'mores cookies. they were such a hit they're backham we're excited about that and excited about our digital cookie program the thing is a big percentage of the money stays local so that girls get to do projects of their own. so that's how you launch ufl these entrepreneurs. they also learn how do that tough thing of talking to people i can't tell you how many parents thank me for the cookie program because they say, you know, my daughter is talking to somebody they're learning business. the courtesy, the ethics something they're not doing on a screen so it's really teaching them valuable life skills that, they say, is priceless we know that that translates them to have all of these great lifetime outcomes. and for many of them, like me, i started a business too

i was an entrepreneur. i got the confidence from girl scouts i knew i could sell we know we're teaching girls and giving girls amazing skills. >> sylvia, thank you so much it's a pleasure to talk to you hope to see you back here again. >> thank you very much please, enjoy the cookies this year. >> you don't have to tell me twice. >> make sure you support your local girl scouts. >> agreed. that is the show i'm becky quick. thank you for joining us next week, restaurants where cash is not allowed. and are you hungry we'll dig into that affect next week keep it right here on "on the money. we'll see you next weekend jimmy's gotten used to his whole room smelling like sweaty odors. yup, he's gone noseblind. he thinks it smells fine, but his mom smells this... luckily there's febreze fabric refresher for all the things you can't wash. it finds odors trapped in fabrics and washes them away as

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hey, there, we're live at the nasdaq market site on this expiration friday. the guys are getting ready behind me. while we are doing that, here's what's coming up on the show. >> the bond market's getting crushed. but there's something in the charts that suggest the worst might be over. we'll explain. plus -- hello ford just had its worst week in two years. but if you got caught in the wreckage, fear not we have a way to make some of your money back. and later -- netflix shares are surging, but their rally might come t