welcome to "on the money" making it quick what she learned and why it matters to men hidden fees and your retirement fund what they cost and how to find them. avoiding sticker shock the surprising place you might find some bargains. when life gives you lemons when farmers are seeing green, but not the way you like. while some are hunkering down in terrible worry, others are making best of it. "on the money" starts right now.

we begin with your pay as the gender pay gap conversation grows louder, some companies are becoming more transparent in making real change, but not everyone wants to wait. as we found out in this week's cover story, sometimes you need to be the change you want to see. >> finally. >> reporter: 17 years aelds trees tucker was a single mother who was chief technology at a fortune 500 company when she had a surreal moment. >> we had this circle of excellence, the sales award winner trip to hawaii one year, and all of the people walking across the stage were middle-aged whyte mite men, and was the first time i was thinking, you know, my career is probably limited here. >> reporter: tucker created black line a creative software company out of los angeles. >> i cashed out my nest egg,

maxed out my credit cards, i took out a second mortgage on my house, i had a couple of friends that believed in me and they were the ones when i needed a payroll loan, i would go and beg them for $30,000 or $40,000. >> reporter: the company now has 800 employees. now that she's the boss, trees tucker says she's seen firsthand how often men and women are paid differently and she thinks part of the problem may be the different ways certain people negotiate. >> i bet women when they've been promoted said, oh, no, no, no. that's okay. i make enough. that, i think, is how much of the pay gap comes about. >> along the way she diyed her hair pink on a dare.

her banker introduced her and her cfo to one of the bosses this guy looks over to mark and says, that's wonderful, congratulations, and the banker was so funny and he said, and treesz is the ceo. oh, nice congratulations. i think it's important for young women today to see what i've done and to know that it's possible, to know that you can go out and build a business from absolutely nothing through a successful ipo, through life as a public company women can do that. >> she is probably the most underthe radar pink haired founder you ever heard of but trees tucker reluctantly realizes that now she's a role model. for "on the money," jane wells, los angeles. joining us now is the founder and ceo of fairy god

bus. that's a career site that giedss women in company pay and corporate culture. georgine, thanks for being here. >> thanks for having me. >> we hear the story of trees tucker she think it's partially the way men and women negotiate. is that what research shows? >> there's research shows women negotiate for less money. >> what should women be hearing from that message? what do you think they should takeaway >> number one, know your worth and ask for what your worth is number two, women are in a bit of a bind because we're expected to be likeable, especially the workplace environment. we can be penalized for asking for more simply because we're supposed to go along with things. >> this gets you back to the problem of feeling, a, how do i go about it, but, b, where do you find the information you can't ask other women for the information, your friends and your co-workers.

how do you go about your unszing when y -- understanding, know your worth? >> my website crowd sources some of this information. but there's a lot of places. salary.com, glass door. >> there were people at nike, huge amount of women who thought they were being sidelined. >> i'm really optimistic companies are proactively looking at pay they look at titles and gender and say, are people being paid fairly, and in many cases they're righting wrongs. there's many other companies. >> you think that's going to be more the norm in the next if

you'res? >> i think here's public pressure to make sure that women are treated equally at your company because companies like nike see that it affects their brand for consumer purchases we're employees but also consumers. >> we've followed for years, the number of companies. indra nooyi is leaving pepsi and not enough women have stepped up to take her place. what do you think there? >> unfortunately more women are equal than there are more women with graduate degrees than ever before the pipeline continues to fill up and in the career stage, women say there's still political networks and a lot of barriers to advancing, and that sometimes comes with motherhood, sometimes has nothing do with motherhood and sometimes is bias and political connections.

>> in terms of what you hear from people on your website, what is its that women own joy in the workplaces that they really like? what are the perks that companies should think about >> i think trees tucker said it correctly. she wanted the look ahead and see women like her, people like her. and if you don't see role models, that's the number one thing that women notice when they say a company's not a fair place to work. when they see that, that's a good parental need they see there's flexible workplace culture such that they can engage in caretaking because women are still primarily the caretakers in their families in most cases. >> right georgine, thank you. lots of good lessons now here's a look at what's making news as we head into a new week "on the money." a monster rally on wall street the dow had its best day since april, closing almost more than 400 points higher after word that trade talks with china will resume that followed things earlier in

the week stocks climbed again on friday americans spent more than expected in july retail sales climbed half a percent. that was well than half the expectations spending was all strong. retail sales are closely watched. and your local mcdonald's could soon be getting a makeover the company and its franchisees will be spenldsing $6 billion to modernize most of their stores by 2020. designated pickup spots, new furniture and exterior designs >> next, we're "on the money." this back-to-school shopping season, consumers are spending their money the old school way. and latdser, why some farmers say their harvest is the pits. right now, though, take look at how the stockmarket ended the week

back to school means back to shopping this is the second busiest buying time of the year behind only the holidays. the there's a new survey from consulting firm deloitte rod is with us he's in retail thanks very much for being with us today. >> glad to be with you. >> we've heard for years people want to shop more online but that's not according to your survey you've seen more sales in stores than online. how is that possible how did you measure it >> first of all it'sen consumers and convenience. they've focused on convenience and making it easy back to school because the kids

grow so often, you want to make sure your kids are wearing the right size. >> you're looking at people shopping for kids' clothes and getting backpacks? >> exactly it's about making sure things fit and if you have to return it, it's an easier process. >> which stores do you think are getting best back-to-school traffic? >> the mass merchants typically do we talk to over a thousand consumers. tell us mass do pretty well. walmart and target dollar stores and that kind of retail have done well and have come into prominence in the season. >> your survey found those who use laptops and desktops to shop it went from 57% to 49% this year why is that? >> that's skpaktszly right

>> because they're going back to stores >> they're moving to mobile. they're moving from the stationary unit to the mobile unit but what we're finding is they're using the mobile unit all throughout the journey it's easier. and phones are beggar than they were a couple of years ago. >> i know it's late in the season, but for last-minute shoppers on this, where can you get the best back-to-school deals? is it online or in store >> i think it's in store there's a real need to get your supplies. >> i guess school supplies that's a pretty big bargain item other items it's time to try and buy? >> school supplies i think some of the apparel items as well. the leftover summer items. it's going to be warm the nektz couple of months as kids go back

to school. >> hey, rod, thanks for your time it's good to see you. >> absolutely. thank you. folks, you may be seeing a lot of deals for back to school right now. but prices for something else are soaring. that something else, lemon prices our we went to the lemon orchards. >> reporter: they appear right on schedule for harvest next year, but just a few weeks ago the trees weren't as forgiving. >> the hot spell hit and it's impacted the season. >> reporter: temperatures were as high as 120 degrees citrus say it knocked down up to 15% of the region's lemon crop at the tail end of the harvest craig underwood has been growing lemons for about 50 years and he lost half the fruit that was still on trees. >> fruit that was still unpick, if it was yellow, it fell on the

ground if it was small, it also fell on the ground. >> reporter: as lemons dropped, prices soared. other countries have their own issues and it's driven up sales prices more than 60% industry says it's the highest than in decades. customers are getting squeezed retailers have been either hiking prices or simply removing lemons from store shelves. but looks can be deceiving this one looks small and shrivelled on the outside. on the inside, tasteses just fine still one major distributor sent out a tweet. encouraging users to buy a lime instead of a lemon. >> if you want a lime, buy a lime if you want a almosten, buy a

lemon. >> you must be adaptable. >> prices are expected to go down in september and october whelp the region's next harvest is due. >> i just watched you eat a raw lemon. >> it was good you could tell it was sun ripened. >> was it sweeter? >> it did. that was part of the heat wave it was tiny and sh riverriveled. it tasted like a meier lemon. up next, we're "on the money. have you ever looked at the fees on your retiermtd fund add it up. it could be taking away from your nest egg. coming up, the incredibly risky situations this man gets himself into all in a day's work

if you have retirement savings and mutual funds or exchange rated funds, it can be pretty tough to know how much you are paying in fees unless you know where to work cnbc money correspondent sharon epperson is here with how to get those fees reduced or get rid of them there's a fee war that's going on i keep hearing these things about zero fees, lower fees. how much of this is true and how

much is a marketing blitz? >> it's got your attention and that's what they wanltz to do. fidelity has introduced two fundses with no annual fee. >> is that for real? i keep seeing the ads. >> it is for real. >> how do they make any money? >> the idea is get you in the door and keep you there. >> if you see an skpensz ratio that's like 0.06%. that doesn't sound like much it's a fraction of a penny. >> that annual fee is an expense ratio. that's what you want to look for when you're googling the name of your fund. >> look for the expense ratio. >> look for the expense ratio. if the broker is selling you a product, there could be a sales load you want to make sure you understand that as well. there are mutual fund transactions fees that you may have to pay. here's what people don't get your 401(k), it's making money

there are administrative fees. you need to understand you're not just investing in anything for free. >> what does it mean in terms of the math if you're paying 1% in fees or paying half a percent? what does that add up to >> it can add up significantly growth in a fund could be about f$,000 it would grow to $430,000 by the end of 25 years. that's without any expense ratios if you had a 2% fee with all the fees combined every year on that, you would see $170,000 come out of that. >> that doesn't sound like a lot. >> you never think, 40% of your overall earnings have been eaten away in fees, but that can happen and that can have a significant impact on your nestd

egg. >> by the way, the more actively managed these are, the more you're going to pay in fees. >> if you want to avoid fee, understand what the fees are talking to folks at morningstar, if you see a funds that has more than a 1% annual fee on it -- >> get rid of it. >> yes also the advice. just what you're saying. understand the more advice you get, an actively managed fund is going to be more expensive than an index fund and a robo adviser versus a human adviser you also have to think of how much you can do on your own and how much advice you do need. be smart about it. understand that you get what you pay for. >> sure. >> and make sure you're getting what you pay for. >> that's great. sharon, thank you so much. up next "on the money," a look at the news in the week ahead. and it's one of the most damgs jobs in the world. we got an inside look what it's like the chase down twisters for a living

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with our b3 complex, beautiful skin doesn't have to cost a fortune. olay. here are the stories that may impact your money next week. on tuesday they'll look at the manufacturing index for august on wednesday, existing home sales for thement of july will be released. we'll also be getting the minutes for the federal reserve's open market committee. and two days of trade talks between the u.s. and china will begin. and then there's friday. that's the anniversary of amelia earhart's solo nonstop fleet

across the united states in 1932 that flight took 19 hours to complete. tornadoes typically strike in the spring, though they can and do occur at any time. when the national weather service issues a tornado warning, most people take cover and hope for the best, but not everyone gets out of the way our morgan brennan has more on an unusual man with a very unusual job. >> i'm a storm chaser and extreme meteorologist. >> intercepted it. >> reporter: yes while most people hunker down and pray, reed timmer drives into tornadoes head on using an suv that can withstand crushing 200-mile-per-hour winds. >> these tornadoes can obviously be very deadly and very dangerous. you have to respect their power. but i guess it's the best of an adventure also when i see a tornado in the field, it's one of the most beautiful things i've ever seen. it's almost not from this planet. >> reporter: but he's not

risking his life just for the thrill of it he does it to save lives. >> it's for weathercasters, forecasters, new media, and they can notified people and hopefully they take coverage i've seen the dark side of these storms that what storm chasers are trying to prevent. >> reporter: as for pay, on average storm chasers can earn around 70 grand a year, mostly by licensing jaw-dropping footage like this to media outlets. reed earns a little more than that thanks to a discovery gig, "storm chasers." still he says he's not saving up for retirement for him, that's just fine. >> everything i make goes back into storm chasing, gas, equipment, living on the road. i do it because i love science,

storms, storm chasing. not only are you doing what you love but you're also helping to save lives, so that makes it a great thing. >> for "on the money," i'm morgan brennan. >> the crazy vehicle bhinld him is called the dominator. et costs more than $100,000. it's customized and anchored to withstand high winds that's the show, everybody i'm becomy quick thanks for joining us. neck week meet the 16-year-old entrepreneur that has found the sweet spot for success. hint int keep it right here and we'll see you next weekend on "on the money.

we're live at the nasdaq market site on a steamy summer friday the guys are behind me in the meantime, here's what's coming up on the big show. >> what's that >> antidote. >> to what >> the poison you just drank ♪ >> chinese internet stocks have gotten crushed, but dan nathan says one looks ready to buy heading into next week he'll give you the name and tell you how to profit. plus, oil is in a correction and the chart master says it's about to really roll over. he will give you the setup and how would you like to