deal premieres next week. >> final trade. >> there might be a deal on eli lillister squl. >> that does it for fast for more, meantime, "mad money" with jim cramer starts right now. my anything is simple. to make you money. i'm here to level the playing field for all investors. there's always a bull market somewhere, and 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 is not just to entertain but teach you. so call me at 1-800-743-cnbc or tweet me @jimcramer. >> all right after yesterday's soothing words from the fed, following by a day like today, the dow only dip pig

22 points, with the g20 talks on the rise, the president is taking the tariffs from 10% to 25% in january, that's the stick, holding off on applying tariffs to the other $250 billion chinese exports until our manufacturers can source elsewhere, that's the carrot will it work wrong question, people you should be asking what to buy here, even if president trump raises the stakes on the trade war. my view, you need stocks with building catalyst, something the market likes more than their current form i have four examples, these are companies whose stocks i think will be good places to go when the president goes on the offensive against president xi in china first, there's a story, dollar tree, which happens to be on the show later tonight

it was the biggest gainer in the s&p 500 today. four years ago, dollar tree bought family dollar it's a cramer personal shopping fav, by the way. anyone that's ever been to a family dollar, i've got a family dollar and a dollar tree near my place. the dollar tree is so pristine, you can eat off the floor. family dollar, needs to be fixed. when dollar tree renovates a family dollar, it goes up. the ceo will tell us what happens when they fix up these stores, because the company would have years of regrowth just from remodeling now, dollar tree will join that fabulous trio, and i think you can buy any of them come monday. you need to be ready, because

i'm sure the vast majority of wall street types have never been to a dollar tree don't know how nice it is they don't know how good the store is, they probably don't know the shopping feel and can't get their arms around how much of the merchandise comes from china. i like that management is planning for 25% tariffs and is adjusting its sourcing to get the heck out of dodge or beijing or shanghai, as the case may be. dollar tree is so good at finding merchandise cheaply, come monday, sellers will regret dumping the stock because dollar tree will be able to find that same level of merchandise for less, even though they have chinese issues second, cvs. last night they purchased aetna, the health insurer i don't think people understand how potent this could be i've been saying that cvs, which trades at $80, can go higher

aetna stocks sold for 20 times earnings cvs has worries about amazon now that they have combined forces, remember, these are stocks i'm giving you that are reinventing themselves and that could take cvs to $100, up $20 from where it is right now. some people are probably fretting about the $40 billion they borrowed, but they're generate $10 billion in cash number three, mcdonald's i've been saying for a while if you wanted to craft the perfect stock, it would look a lot like mcdonald's it sold off its chinese stores a while ago. and the real deal with mcdonald's has the way the money managers think a lot of wall streeters figured

the fed must know something they don't. they now assume something is very wrong with the economy. they just can't see it and they're terrified of the upcoming tariff increases. in that kind of environment, the managers want to buy the stock of mcdonald's. the gold march is a really important upgrade from morgan stanley. the incredible remodeling efforts, once the reinvention is finished, we'll do the show at your store finally, there's an old favorite, constellation brands the maker of corona, as well as some pricey woines and good spirits. now, constellation is really doing a major reinvention. how? they're reinventing themselves as a booze and marijuana company. i introduced the ceo of the

world's largest cannabis company, which constellation owns a major stake in, and gave us a glimpse of how canada's market is doing after six weeks of legalization. the answer is sharply better than expected. and yet constellation stock is down a great deal since it invested in canopy now, i know from my interview with the cfo of coca cola or pepco, neither company is interested in this market. even the tobacco company that brought you the marlboro man, that is buying a stake in the vape things beloved by children, even they don't want to touch cannabis i can only think of one other company that's thinking of moving into the bud business, and it's a privately held liquor company. so don't forget, with canopy,

you get exposure to the medical, they just started a trial in the nursing home where the elderly are drugged with opioids. constellation is creating liquids to get users high with no calories. it will be ready in the fourth quarter of 2019 for people that want to get high with no calories i said that this feels reminisce enlt of the dot com era. any way, thanks to canopy's head start, the market share and $4 billion war chest, he believes the company will be a winner this time around his plan is to make canopy is the biggest piece of the contelation pie. bottom line, when we come in on

monday, you need to be ready in case president trump tweets about his best friend, buddy, pal, president xi forced him to ignite the 25% tariffs if he does, you're going get a down market. in that, i would buy in weakness, the mothe ers of reinvention. let's take calls let's go to gary in texas. gary >> caller: hey, jim. before i ask you my question, i would like to give you props for your efforts to educate people and encourage them to use index funds. >> that's the fundamental of all investing. first is index funds, and then mad money. even though i have a show about individual stocks, that's what i do i can't be two faced i can't tell you not to, and have me do it. what's up? >> caller: yeah, i think it's the best solution i know of income inequality, which is a

really serious problem >> i agree with you. >> caller: so secondly, i want to thank you for turning me on to sc. i didn't know about it i'm glad you told me about it. my question is about square. and at this point in time, i'm wondering if you think i should hold what i have i'm talking about my mad money, hold it or buy more? >> just hold it. i think it's a great story it's a great product, by the way. we use it in my restaurant square is good don't put more money into it, though you're doing just fine i see square readers now in a lot of different stores. let's go to richard in connecticut, richard >> caller: hey, jim, thanks for taking my call >> of course >> caller: okay. this is concerning take two interactive. >> yeah. >> caller: i own the stock about 10 points higher than what it

closed at today, and it's been trading between 105 and 110. >> right >> caller: and i'm just wondering the group finally woke up today a bit >> well, it did. look, i think game stock reported a bad number. that may be an opportunity to buy more >> buy buy buy >> because it has nothing that correlates with game stop. ron in texas, ron. >> caller: good evening, jim i sold facebook about eight weeks ago, and i want to get back to ten stocks i would like to buy broken down stock that i can hold for a year longer that is not broken. that pays dividends. just wondering if i could get your messing with schlumberger >> i had a meeting with jeff marks. we debated buying schlumberger

today. the prognosis is still too negative bp is a better yield thank you for that call. i wouldn't be surprised if you're brought into a stock cyclone if the bulls don't get their way this weekend, and i don't think you will, bulls, because it's not about the market, it's about keeping our country strong you now have a shopping list that i think can work. coming up, dollar tree is known for luring customers with discounts. but it could be the best place for the stock market i'm eyeing the company after earnings then the fed has stokpoken. and i'll give you my take. and the ceo of the company behind the brand of calvin klein. don't miss my ex-chclusive withe ceo. so stay with cramer.

>> don't miss a second of "mad money. follow @jim cramer have a question? tweet cramer at #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. xfinity mobile is a new wireless network

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♪ now that the market has taken on a more bullish tone, take calvin klein, when they last reported three months ago, the stock had run up so the numbers were judged to be not quite good enough. then we started worrying about a global slowdown, the trade war with china, not good for a company that gets some business overseas and some parts, the bulk of it we have a strong dollar, same problem. people began to trefret about te retail industry in the united states and you can understand why pvh's stock has lost 30% of its value. and now that the fed has decided not to repeatedly slam the

brakes on the economy, it's worth another look tonight, they reported the latest quarter, slightly weaker than expected. while calvin was up 2%, tommy hilfiger was on fire let's take a look with the ceo welcome back to "mad money." thank you, manny manny, you've always been candid you've come on in good and bad times. i know the stock is trading down, but i think it's trading down frankly because you called out right at the top that you were disappointed with calvin klein, which i think is some nice looking clothes, and with the jeans. i think that's what people decided to focus on. >> the strength of our business is we're a diversified business model. you touched on the strength of tommy. the calvin business, and i think you have to look at it on a

12-month basis, the business on the top line is up just about 7% for the year and earnings are up 2% for the year so we're disappointed with the operating margins in the business, and they've been negatively impacted by the two issues you talked about are the jeans business we've gone from a fashion point of view, and an elevation point of view, too far too fast. raised prices going into this market, and i think we'll adjust as we go into the spring season. but on a relative basis, every other piece of the calvin business really performing strongly for us. >> these are fashion issues. you get the fashion right, people come right back nothing structural with jeans? >> look, calvin is a $9 billion global brand on a retail basis, and jeans represent about 10% of

that volume. so it's not a jeans brand, it's a brand that sells jeans it's such bigger, underwear business, sportswear business. so we have to be honest about it, we didn't get the fashion right in jeans, and we're making those adjustments as we go forward. when you look at the business, our operating margins year over year are down 70 basis points, and we're highly confident as we go into next year that we'll raise operating margins next year 75 to 100 basis points. we feel at the moment in time we have some challenges in that business, but we really think that there's nothing fundamentally wrong with that brand. just look at the top line growth that brand has got great consumer recognition, and we see great, significant growth opportunities. >> tommy hilfiger is on fire where is that strength coming from and can it continue >> it's coming from everywhere internationally, we see strong growth

i'm hearing people talk about a slowdown in europe we're not seeing it at all the tommy brand had a very strong international double digit earnings topline growth. in the u.s., mid single digits, top line growth and double digit earnings growth, so high margins. for calvin and tommy europe continues to be very strong, and off to a great start in the fourth quarter as we have got -- >> tell us about that. all the ones i like, the way the -- macy's, or khol's, the stock is down. even has given up on them. >> look, when you lock at what's happening with the business as we have gone into the fourth quarter, the weather turned colder, and black friday, that whole week was just very strong for us in particular, and then as we look at retail, based on what i've seen, i think some of the players you talked about are

very happy with their results as they've gone into it we're bullish about how we are i think we're conservatively planning the fourth quarter. so we have a real opportunity to outperform the fourth quarter guidance the consumer very strong, particularly our dress shirt and neckwear businesscontinues to do well and our sportswear business is just off the charts. some significant marketing campaigns going on with the green bay packer quarterback aaron rodgers, and what we're doing with the ufc, making a connection, it's working really well >> talking about sources we're all concerned about china. the g20, i don't think is going

to go that great >> look, fortunately at this moment in time, the apparel is not pulled into this tariffs, but it's the next $250 billion, and a lot of posturing on both sides going on competitively, i'm not going to say if tariffs go in, it won't be painful on a competitive basis, a little less than 20% of u.s. production comes from china and given that over half our sales are outside of china, it represents about 7% to 8% of our goods sold overall, china for the united states so i think we're a big company, so that number is not small when you translate to $70 million in tariffs that we have to deal with what we are hoping for, whatever -- however this plays out, we're hoping that there's a little bit of lead time to react. we're not sitting here in january, in january raising tariffs january 1st. >> you can go to cambodia,

vietnam. you're a world traveler. >> yes we need some time. you don't move supply chains overnight. you would like to get a six-month window and to be able to react the unfortunate thing about it is, who is going to be hurt by this is the consumer we have to raise prices to make up for a 25% tariff. so that balance and how we try to do that intelligently, some lead time would help in that whole situation. hopefully that situation resolves >> thank you so much, chairman and ceo of pvh "mad money" is back after the break.

welcome to day two of the new world. the world where the fed is going to tighten one more time and wait before taking any

additional action. that's one problem down. one more to go that one's china if we're going to a slowdown next year, we need the president to make a deal with the chinese, and i don't think we'll get one. that's the problem for stocks, not for those who believe that the chinese don't play fair. but let's put that in the closet we're talking about making money here we can play the guessing game. what did jerome powell see that saw him to capitulate yesterday? was he afraid of what would happen if the tariffs on half of chinese ports go to 25%? because i think they will. why not think that way was he worried about layoffs coming in housing and retail to complement those we've seen in the auto industry? maybe he's predicting a wave of failures among the bank lenders

that now account for half of the $1.6 trillion mortgage market, many of them floating, or perhaps powell was being prudent. it seems the fed has won its war against inflation. of course, i would say the ever lower price war to the likes of amazon and walmart the fed has no need to tighten anymore. inflation is whipped i bet we'll see a negative consumer price index in the next couple of months you better believe there are a lot of people playing this guessing game. remember, we had a cohort of experts who were defending powell's earlier views that the economy was red hot and stayed hot. many people do not think deep enough to get the whole story. powell discovered the negatives, so we flew those folks under the bus and they didn't see it coming business has been getting weaker across a number of important

industries some money managers are desperate to recover the rot in the system, that was obscured by the mentme numbers and crude is down 32% in less than two months. the independent oil producers plunged to levels that are lower from where they were trading in early 2016, when crude traded -- it was what, 26, 27. i mean, geez the drillers and oil service companies are in bear market territory, even after today. and one more bad weekly jobless claim number came out this morning. yet there are plenty of professional money managers who think the fragile nature of this economy is a mystery so when will we see actually weaker monthly employment numbers? i think they'll start to deteriorate after the fed pushes through one more rate hike rate hikes cause hiring to slow

down housing, services, retail, health care, manufacturing are all waning here because interest rates are so high. people pushing for higher rate also tell you that's impossible, can't be, not with short term rates at 2%, and long-term rates at 3%. look at the mortgage market. the problem is that the interest rate on your existing mortgage may be 3%. that 5% may not be expensive to historical mortgages, but it is compared to your % so keep your powder dried until monday maybe even do some trimming tomorrow, especially if your weaker stocks are not your winners. the important thing, though, is that you brace yourself for some weaker data, the data that caused the fed to recalibrate, pulling back from its earlier plan for an aggressive series of lock step rate hikes that would have been a mistake

with the economy peaking, not to mention this year, the anniversary of the tax breaks, letting go their huge pile of long-term bonds. something they should have been doing a long time ago. there's no ticking time bomb however, there is a degree of risk that makes me comfortable this weekend, even as we no longer need to fear the fed as much as we did 48 hours ago. joe in ohio, joe >> caller: boo-yah, jim. thanks for taking my call. >> absolutely, joe good to have you on the show what's up? >> caller: we're a lower income family that's here in ohio, and we do anything possible to make ends meet, and not only do we work to pay bills, we also recycle aluminum cans. the aluminum prices are way low right now, jim do you think the aluminum prices will go up again, and when because christmas is coming. we have kids thanks for taking my call, jim

>> you know what i don't see aluminum prices coming back any time soon. aluminum is being recycled we do a good job recycling it. what that is going to mean is that the prices are going to stay low for some time but keep fighting. keep fighting. other ways to make money we'll do it here this weekend is an all-important one. keep your powder dry until it passes much more "mad money" ahead. if you had a dollar, would you buy dollar tree? i'm finding out what's ahead for the company. and powell has spoken, but what could the fed's next move mean i'm talking about the impact of interest rates with the ceo. and all your calls in rapid fight in the lightning round so stay with cramer.

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money doesn't grow on trees. has the stock spent too much time on the discount rack? or will dollar tree leave investors seeing green >> more evidence that the non-china bear market could have run its course look at dollar tree. the dollar store chain that owns family dollar reported, and at first the results were not so hot, which is why the stock got clobbered in premarket trading, down roughly 5%. then the conference call got going, and the stock came back, ultimately increasing more than 6% so why the whiplash? the market found the silver lining and it turned things around, something that probably wouldn't have happened before the fed's comments yesterday the core business, doing fine.

family dollar, down 0.4% management's guidance, all that was in the press release the problem was the family dollar stores. however, this was some bullishness here dollar tree's management stressed at this point on the conference call, so the stock rebounded. so could this be the beginning of the rebound for a stock that's been languishing all year let's talk to gary philbin welcome to "mad money. >> thanks for having me. >> first of all, it looks like for those of us who have been frustrated, because we love our dollar tree, this might have been the beginning >> i think so. it was an important call for us. it had clarity to our strategy, and from the beginning, we said we needed to fix the stores, and the confidence we have now, jim,

with the renovations, we said let's put our foot to the pedal and go for the renovations up to a thousand next year >> you've got 8,000. so it could be a multiyear blowout of renovations and better numbers >> at least a minimum. i would say let's shoot for a thousand and do more if we can but i do see it being a multiyear trajectory to get to an inflexion point i need as many stores done with renovations that allows me to have confidence that the stores ahead of me, i have as many behind me. so it's just a sheer equation of arithmetic at this time. >> i loved your stock, because there's so many snobs on wall street, but i like my dollar tree that is in the hamptons but best of all, i always went to one with my late father he liked the candy aisle so much there we go.

do you think -- my father always said, this can't only be for a dollar this can't be only for a dollar. >> i think it's our customer that shops with us every day, because it's the thrill of the hunt, or maybe she needs us, or maybe that's her prize if there's a time to discover a dollar tree, come during december >> we always loved your -- how do you get that stuff for a dollar, especially when some of that stuff is from china are we going to have sourcing problems >> we do about double at dollar tree, from around the world. the biggest part is from china at dollar tree 40% is coming from asia. 50% is domestic. people forget that sometimes so we work real hard on the

tariff piece, knowing that 10% is in place. we're expecting 25% to come beginning of january and credit to our merchants who have worked around us. >> doesn't it hurt your margins if you keep things at a dollar >> you would think so. when oil was $150 a barrel years back, that affects it. we've always been a company that can control our margin if you look at our history, a pretty tight band of gross margins. >> you don't think that's going to change, right >> our merchants worked very hard to say either change the product, change the equation of what we make it with, or change the country now with the china tariffs. >> and there are other countries that can make these things, right? >> we're going to work real hard the tariff is an issue for every retailer you're not going to move a supply chain quickly but we can make selection on products, where we do buy it from, and how we make it

>> and it can over time. >> we've always thought over time we can. >> one thing you guys are so transparent, it's incredible lack of truck drivers, what with you do about that? >> we can start a truck driving school, but everything i read says until we get to the midpart of 2019, it's a real issue for the industry we make it up by being as productive as we can in our distribution centers and our stores but it's an issue with truck drivers. >> is there any reason to be pessimist snik >> we're retailers by trade. we're optimists. >> comparison, walmart, amazon >> we're at a dollar it's simple. >> and sometimes they would take a beating if they went into your world. how do you get the -- some of these brands are my generation

brands you do have a nostalgia and treasure hunt in dollar tree >> it's the thrill of the hunt it's something for everybody your generation, mine might remember growing up, it's the kid that came through with that dollar in their hand and think about, my gosh, i can buy anything in this store >> i think that people who are trying to figure out the stocks should go to the store, get the balloons, that's what we like to do one last thing we have to clear up i happen to be a huge consumer of your sunglasses, i used to wear ray bands these look the same, and when i lose them, i don't want to shoot myself perhaps my lenses on my dollar tree sun gases weren't up to snuff, any truth >> i heard that. i'll leave it up to you. but they do pass all testing on uv blockage. >> and you were able to get them for a dollar how is that possible how do you get them? >> we work really hard

that's part of the magic at dollar tree. >> it is magical that was pop's favorite thing to do on saturdays. let's go give them a beating is what he says but it sounds like you did okay, too. >> we did. >> that's gary philbin, president and ceo of dollar tree "mad money" is back after the break. rebekkah: opioids has taken everything and everyone i've ever loved away from me. everything. i blew my ankle out and i got prescribed pain pills by my doctor. if making my detox public is gonna help somebody i'm all for it. i just wish i would've had a warning.

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it is time it is time for the lightning round. [ indiscernible and the lightning round is over. are you ready, skedaddy. joel in iowa, joel >> caller: hi, jim i was just wondering about dowdupont. >> i think you should buy more i told people today, the break-up pain is over and the gain is about to start let's not write off ed bream he said it before, he's going to do it again. i like the stock doug in iowa, doug

>> caller: hey, jim. i just want to thank you for doubling my 401(k), and i watch every show >> you're a good man, thank you. long day today i needed to hear that. what's going on? >> caller: all i wanted to say is nynt has paid almost 14% for ten years, and why aren't more people in it >> because we don't really know what they own, sir that's the problem it's too opaque, when companies are opaque, it's hard to say, buy that stock i don't know what they own, but that's fine. thank you for the kind kudos on the 401(k) richard in south carolina, richard. >> caller: hey, jim, how are you doing? >> i am good how about you? >> caller: thank you for everything you do for the small investor i bought at&t stock right before the time warner deal expecting them to take off and it went the other way. >> i think -- >> caller: what do you think >> i hate to say the worst is over, because i don't like their debt load. that said, they have the cash to

pay for the debt load. i prefer verizon jim in kentucky, jim >> caller: yes what about home depot? >> look, home depot is down a lot, there are other retailers doing better costco is doing better i am not going to tell you just standing there, lowe's has a turn around story. but anybody who buys home depot and puts it away for 18 months is going to do well. susan in california, susan >> caller: hi, jim >> susan >> caller: i'm interested in the stock nio. >> we don't recommend any chinese stocks here. we've got a trade -- it's not a skirmish, it's a war and it's about american hogenmy. tony in california, tony >> caller: hey, a big bay area

boo-yah. i got a suggestion for your portfolio page may you should have a penalty box with the bullpen >> i like that idea. a lot. >> caller: all right any way, my stock is abbott labs i would hike to know it's had such a big run -- >> do not cut abbott labs. i think this stock can go still higher charlie in pennsylvania, charlie. >> caller: boo-yah, jim. >> boo-yah, charlie. >> calle [ inaudible >> i've been on the wrong side it's more like the navaro side of the trade deal. what's up? >> caller: hey, i noticed nielsen spiked today what to do >> i can't recommend the stock that i wouldn't buy on the fundamentals i know they're getting some bid interests.

i think the stock is too high. i'm going to say no. and that, ladies and gentlemen, is the conclusion of the lightning round! >> the lightning round is sponsored by td ameritrade i don't want any trade minimums. yeah, i totally agree, they don't have any of those. i want to know what i'm paying upfront. yes, absolutely. do you just say yes to everything? hm. well i say no to kale. mm. yeah, they say if you blanch it it's better, but that seems like a lot of work. no hidden fees. no platform fees. no trade minimums. and yes, it's all at one low price. td ameritrade. ♪

we've got a treat tonight. in recent years, lightly regulated companies are burst on

to the scene and they account for half of the current mortgage market what's going on here some of these are unsavory, but the best of them are refinancing student loans and doing all sorts of other categories, including mortgages. they try to set itself apart with a more personalized business model it's what the kids like. last year, the company ran into some trouble when the ceo was forced out due to sexual harassment claims. but they found a good replacement. so let's check in with the former ceo of twitter, a distinguished graduate of west point, go, army, beat navy welcome back to "mad money." good to see you. how are you? >> a pleasure. >> anthony, i signed up for

sofi took me about ten seconds. it is simple, easy, and the reason i pointed it out first is that's what that generation wants, anthony >> that's right. we're excited about sofi money you can save, spend, pay your friends, pay your bills. use a debit card, we give you 2% interest, no fees, no restrictions >> how do i get that why am i getting 2%? >> we have a relationship with a bank that pays us some deposits and we're passing that to the consumer we're taking a long-term view about our relationship with our members. we want our members to be the center of what we do, we want to help them get their money right, so we want to make it very easy and flexible, but also give them a great value and 2% is a great value with no restrictions can't find that any place else >> how come no one is doing this in >> we're taking a long-term view because we have more than lending and student loans and personal loans and mortgage, this is just one piece of that

broader portfolio, and we can take a long-term view and along the way, we'll make money over time >> we've known each other a long time my first experience with it made me think, you know what? there's a birds and bees element to money it's hard for me to talk about money with my kids it should. be but i don't want to give them advice on insurance. i don't want to give them necessarily advice on how they want to do their asset structure. you guys do that it's a birds and bees discussion about money. >> we can fill that void we want to differentiate on not just having a member experience but being able to provided a vice, everything from career advice that we do with quinn ferry. we have a partnership with them. we can give each of our members free career advice and we have networking events for them on the professional side so it's not just the financial

services product >> can you explain to me this -- the fed started off yesterday talking about how non-bank lending is an issue. is he worried about a company like sofi? >> we have one of the best risk officers in the world, kevin moss with 35 years of experience when i joined the company in march, our focus was to be focused on the quality of loans. we wanted to focus on per loan economics. we wanted the loans that we created to be great investments or our asset backed security investors. we've made that pivot when i got to the company to ensure that we prepared for the longer term rising rate environment. >> how about artificial intelligence >> we've not been a huge user of machine learning we hired a great executive to lead that for us there's a number of priorities we have across the marketing

sectors and integrating and machine learning to give us the best opportunity to meet the needs of our members >> what's the default rate relative to what you have known in finance >> it depends on what product it is our student loan products, the default rate is less than 1% we've brought it down quite a bit. that was a big part of the initiative we had at the beginning of the year, tightening the credit pox and focused on quality over quantity >> you've worked at twitter, goldman sachs, the nfl any of those experiences help you with what you do now is >> absolutely. i think a part of all those experiences, being a leader, helping build a world class culture, putting together a team that worked together to accomplish a broader mission i think one of the most important things i learned at twitter was the power of being a mission driven company so one of the exciting things for me is setting a mission, and that mission is to help people achieve financial independence

that just means enough money to have a house, children, change a career, retire early so we're focused on helping people get their money right and if we do that, they'll achieve that ultimate mission. >> the millennials think -- have people get each other and got married that have sofi bank accounts in >> i can't say that, but we have events that our members get together and leverage the relationships they have to further their careers. >> we know how much we care about veterans how about your education at the military academy and star line backer, but what has it meant for you? >> west point has instilled in me some important attributes first is leading by example, having a high ethical and moral fiber in everything that we do and more importantly, working as a team and coming together to accomplish more together than

you can as individuals it was a great experience. it had a great impact on me professionally it's something i'll always value. >> you're an inspiration to the younger generation sofi is perfect for them that's the ceo of sofi go try it. it will take you ten seconds to open and it will take your kids a lifetime to use it thank you, anthony an august to remember,

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for 36 months. experience amazing at your lexus dealer. okay, we had some very good quarters after the close workday, similar number. splunx, dynamite number. and pal alto, i like the prospects very much. and game stop was disappointing. that's become problematic. i like to say that's always a bull market somewhere and i try

to find it for you just here on "mad money." i'm jim cramer and i will see you tomorrow! >> welcome to the shark tank, where entrepreneurs seeking an investment will face these sharks. if they hear a great idea, they'll invest their own money or fight each other for a deal. this is "shark tank." ♪ who believes she has a new and improved version of a ubiquitous product. ♪ hi, sharks.

my name is ivori tennelle, from irvine, california,