welcome to "on the money." i'm becky quick. an unlikely industry that has turned into big business are you getting enough sleep why it matters to more than just your health. don't look now, but it is time to start thinking about next year's health care choices. we will sort through the decisions to make. and if you are craving a cheesesteak, you can have one no matter where you live. we have the company that will help feed your face. "on the money" starts right now. this is "on the money. your life, your future now, becky quick

>> we begin with the booming video game industry. revenue is on the rise, but there is an issue that many video game developers don't want to talk about. cheating hackers trying to find vulnerabilities in the game and then sell those cheats online. gaming the game is this week's cover stop and josh lipton has our investigation. ♪ >> eliminate the terrorists. >> reporter: take a close look this is the exact same video game, but in the version on the right, the player has special software or cheats that makes it easier to win. >> the bot behind him, we'll see him in a second. >> reporter: in this modified game, you can see the enemy through walls. a distinct advantage bill denner copa is an 18-year-old recent high school graduate

but don't let his age fool you he's an expert in hacking video games to create cheats, something he knows could ruin the game >> i don't think i'm a good guy or necessarily a bad guy but i think a lot of what i do can be interpreted as being the bad guy. >> reporter: to find cheats, hackers find vulnerabilities in the game's code. it's an advantage people are willing to pay for >> for the higher-end cheats i've made, i've sold them from hundreds of dollars of month usually $100 >> reporter: e-gaming insiders and cybersecurity experts tell us that cheats are a huge threat to the growing video game industry >> why would you want to play a game you can't win it's just not fun anymore. >> reporter: alex hammerstone works for information security consulting firm, trusted sec, which helps video game makers keep their products secure >> up here, you're buying different cheats or add-ons or things for the game. these add-ons can be a lot like athletes using performance-enhancing drugs.

>> he showed us websites where you can buy a cheat. >> i can just go out and buy them >> there's a large market where you can just go out and buy them >> reporter: from a tournament of the video game "halo" on the 99th floor of the willis tower in chicago to a 16-year-old winning $3 million at the world cup of video game "fortnite," the industry is on fire and expected to bring in $174 billion in global revenue. but in order for games to succeed, players say developers must stop cheaters >> if a game has a lot of cheating, you really have to hope that the people who run the game, the developers, work their butts off as fast as they can to get that dealt with. because it is an issue >> reporter: at most tournaments, the organizers control the computers and consoles the game is played on and keep a strict watch. microsoft's 343 industries is the maker of first-person shooter game, "halo.

>> "halo" has never really had a large issue with hacking, thankfully and for us as developers, the competitive integrity and the experience of players online is crucial. >> reporter: epic games, the maker of "fortnite," declined an interview. instead sending a statement saying in part, we will continue to pursue all available options, including revoking access to "fortnite" to make sure our games are fun, fair, and competitive. denner coppa says he hasn't sold cheats since last year today, he has no regrets >> i'm trying to transition more into the information security field. game hacking has been an extremely valuable learning opportunity. >> reporter: for "on the money," i'm josh lipton. >> so that cheating demo that denner coppa showed us, that was on "rainbow 6 siege," a game made by ubisoft. the maker of that game told us in part, "rainbow 6 siege" does not tolerate cheats found in games. players using cheats are banned accordingly.

we also should note it was against bots, not against humans video game players not only pay to play, but they will fork over big money to watch others play as well. some of the most watched players bringing in hundreds of thousands of dollars a month joining us right now to talk about how fast the gaming industry is growing is chris velasco, with end gadget chris, thank you for being here. >> becky, thanks for having me >> all right this is a little weird the idea that people would actually use real money to go online and buy cheats to cheat on a video game. but there is real money involved here how big of a deal is this? >> it is a pretty big concern, especially when we're looking at the sort of amateur leagues. there are all of these people playing at home that just want that edge, because they know the potential for growth and development in this strange new industry, the upsides are huge >> the people that are watching their favorite players maybe they watch them on a streaming service or maybe they watch them on youtube, how big is that? what kind of money are we talking here and what's the potential? >> hundreds of thousands of dollars are being issued as

player salaries. we've also seen some pretty big moves in terms of acquisition costs, because microsoft in its mixer service recently picked up ninja, which was the biggest game streamer on twitch. and just a few days ago picked up shroud, which was the number two or three player on that service as well. >> so big corporate money. >> absolutely. they want to get out in front of this >> i guess part of that is because what they see happening with e-sports. these are actually leagues where people are kind of playing and you've got teams that are based in cities and things do you think of this as the nba or something >> that's exactly how they want us to look at it robert kraft, the owner of the patriots helped start the overwatch league there are big sports names who are really lending credence to the idea that playing video games at high levels should be considered a sport >> where you've got people packing stadiums and you're going in to watch people play video games. >> a stadium might be a bit generous

>> i've seen pictures. >> these are big venues that are being filled and that's because people have really come to appreciate the games not just as an art form, but as an expression of competitive skill. the human experience has always been about competition so it's not unusual that the nature of that competition has kind of changed over time. >> what is this going to look like, eventually like, maybe soccer leagues wnba like, how big do you think this could get? how much money is behind this? >> there is a lot of money at play here. and i think it's probably fair to say that based on companies like microsoft getting into it with services like tbs and espn really getting into airing these events in wide circulation, there's a lot more attention the money will continue to flow, because most of it comes from advertisers, sponsorship deals, media placement rights that will only continue to develop and the economy around these younger players themselves will develop as well

>> so who's playing on these are these a bunch of guys, like we saw in the video here, or is this high school, is this colleges how does it actually shake out >> there are over a hundred high schools in the united states with some form of e-sports program. and there are at least four universities that i'm aware of that have sort of dedicated e-sports major programs. >> four universities >> mm-hmm. >> which one >> the biggest one by far is the ohio state university. but there are a few in the uk, definitely several in china. we're seeing there not just the focus on the level of game play itself, but the skills that go with it. you might want to look at it as a very specialized business degree, where you're managing your reputation, looking at marketing as factors as well, so there's big business to be had here >> chris, thank you for joining us >> thanks for having me. up next, "on the money," the cost of sleep. are you getting at least six hours a night? making sure you get the rest you need and whether technology can actually help you with that. and later, it's almost time to sign up for next year's health care plan how to choose wisely and save yourself money along the way right now, though, we'll take a look at how the stock market ended the week.

if you're like me, getting a full night's rest probably sounds like a little bit of a pipe dream according to the cdc, more than a third of american adults are not getting enough sleep on a regular basis. and it can have emotional, physical, and economic consequences i recently sat down with dr. shamad charles, a social epidemiologist, to ask him about strategies to get the rest we need and figure out the right amount for you >> i think everyone has to do a risk/reward. if you're a working mother of two, spending two more hours with your kid in the morning, that might be worth it

maybe you can cut that down to one hour i think the real magical number is probably six hours, you know. but i think that for many americans, really, the decision is coming between some superfluous activities, like maybe watching netflix >> i am not watching netflix >> for a couple of extra hours but if you're looking for what i would call a middle decision, like going to the gym versus an extra hour of sleep, long-term, getting that extra hour of sleep probably has a bigger health benefit. and i'll tell you why. there has been links between like alzheimer's, much later on in your life, and like sleep deprivation. but i think that there are really acute social effects, like, for example, in the medical community, lack of sleep leads to medical errors. or there's a phenomenon that i call slangry you're sleep deprived and you come into work -- >> i was going to call it grouchy, witchy, maybe a few other things >> right and you have a bad attitude and

you're irritable and i think that that sometimes creates cracks in the work environment. so i definitely -- >> not to mention the home environment. >> not to mention the home environment as well. i think that sleep deprivation could be looked at as like losing a sleep reserve, right? so we want to have a nice sleep reserve. we want to get our seven to eight hours so that the times naturally when we're not getting seven to eight hours, we can sort of like buoy that with our sleep reserve. but if you're at a constant deficit. if you're constantly not getting the amount of sleep that you need, you're going to constantly be irritable you're going to constantly have a lack of concentration. >> probably get sick more likely >> and more likely to get sick, because your immune system doesn't have enough time to repair while you sleep >> you mentioned netflix as being a killer for people's sleep habits what other things would you tell people not to do i'm assuming, don't read your phone in bed >> try your best not to take work home. i know that that's incredibly hard ways that you can do that is you can actually charge your phone outside of your room you can have like a charging station maybe in the living

room creating an actual sleep environment, getting like blackout curtains is like a really important thing that you can do and then trying to have a consistent time every night that you sleep. i think those are three doable measures for most americans that can increase their sleep >> is there any upside any parts of technology that maybe help us? >> so there are. there are certain sleep apps that might help to regulate your sleep. but really, increasing the quality of sleep that you have but i will say that technology and sleep is kind of an oxymoron when you're looking at your phone in the middle of the night, there's a blue light that's emanating and so it's actually tricking your body clock into thinking that it's daytime all the time the reality is, you've got to put the phone away so that your body knows that it's nighttime, so you can actually get not just the right amount of hours of sleep, but real quality sleep. >> tell me the truth how much did you sleep last night? >> six hours >> hmm

>> but -- but, but, but, my risk/reward was it was worth it to be on here with you >> oh, i think that's great! dr. charles, you're clever >> absolutely. >> thank you it's good to see you >> thank you very much up next, we're "on the money," from fsas to hsas. how to navigate the confusing alphabet soup of health care plans. we'll spell it all out for you and later, whether you're craving something savory or maybe something sweet, the company helping iconic restaurants ship their famous dishes to your doorstep.

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whether you get your health insurance through your employer or through the federal marketplace, right now is the time to pick your plan for next year workers with job-based plans will spend an average of $6,000 on premiums next year, but there are some ways to try to help curb those costs joining us now to explain is senior personal finance correspondent, sharon epperson open enrollment, you kind of know it's coming every year. why is it so important >> it comes every year and a lot of people don't realize when it's coming, don't know the dates. the first thing that's important is to know the date so you don't miss that deadline to make the change often this is only time for a full year that you're going to get to change your health insurance benefits you want to make sure you understand what's being offered. this is the scary part, according to a new report from policy genius, a lot of people are avoiding care, one in four people surveyed avoided care or treatment because they didn't know if their health insurance would cover what they needed to have done. >> seriously >> exactly

and only 29% knew some key terms meant. premium, how much is coming out of your check every time you get paid deductible, the amount that you're going to have to pay overall before they even pick up a dime and the co-pay, which many people probably know is your office visit, but some didn't. >> let's talk hsas, the health savings accounts versus fsas what's the difference? what are they? >> those are key ways to save money for your health care expenses they're great accounts because they're both tax-advantaged accounts you put in pre-tax money you can use them for doctor's office and prescriptions but there are some differences between the two. the hsa is something you can only get if you're enrolled in a high-deductible health plan. so you have to make sure that you're okay with having that money that you'll have to pay before health insurance kicks in you also have to understand that that money that you don't use for an hsa can be rolled over year to year and it also can be invested. this is why people use this account.

they can use it for health care needs far beyond this next year, but well into retirement, even and it's portable. so if you change jobs, you can take that account with you the fsas are different the fsa is something your employer sets up it is money that you set up for that year and you have until the end of the year or the end of the grace period to use it or you will lose it and that's a key part that people don't realize sometimes also, if you change jobs or something, that doesn't go with you. >> what's the difference between an hmo and a ppo what are they? >> the alphabet soup of plans has people very confused the ppo, the preferred provider organization, that's the one that many people use in their employer-based plans it has a lot more flexibilities, and higher premiums, but you usually don't have to designate a primary care physician before you go see the doctors you want to see the hmo, lower premiums, but you're restricted to a network and it has less flexibility.

sometimes people don't like that but the one that's really growing in popularity is this hdhp, the high deductible health plan that's something to look out for to see if your company offers it, so possibly you can get that health savings account and it's also offered through the federal marketplace. >> sharon, great to see you. up next, a look at the news in the week ahead. and from philly cheesesteaks to new york cheesecakes, getting a special delivery to satisfy your craving. we've got that coming up next. so, i switched. to always discreet boutique. its shape-hugging threads smooth out the back. so it fits better than depend. and no one notices. always discreet.

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here are the stories coming up that may impact your money this week. on monday, we'll get factory orders for the month of september. then on tuesday, we'll get the international trade report for september. and another read on services with the ism nonmanufacturing index for october. plus, if you have a sweet tooth, keep your eye out for some deals. tuesday is also national doughnut day on thursday, we'll see how much credit card debt consumers were holding for the month of september. after he graduated from college in nashville, joe ariel moved back home to new york, but he longed for buttermilk biscuits, hot chicken, and other tennessee delicacies so he launched gold belly where you can shop for your favorite food from over 500 iconic restaurants from across the country. some of them, he brought their goods here today thank you for being here and thank you for bringing me this stuff. >> we're excited hope you're hungry and didn't eat breakfast. >> yes on both points.

so you started this on your love of food, wanting to get specialties that you would have to normally travel the country for. foodie fans love to get this stuff. how does it work how'd you set this up? >> you can pretty much order from 500 different foodmakers in almost every state in the country. the most iconic foodmakers, the most iconic foods and have it shipped to your door overnight anywhere in the u.s. >> how much does it cost >> it depends. everything can range from the same price that it is in the shop, to the same price plus shipping >> are you a logistics business? how did -- what did you bring to it aside from identifying these, advertising to the customers, and i guess delivery is the biggest part, right? >> it is, it is. nationwide shipping. we work with like 500 food makers around the country, small mom and pop shops that are doing amazing things a lot of them are packed on a local level, but have no reach outside of their neighborhood. what we do is we enable the entire national customer base to be potential customers for them,

to ship their delicacies to people anywhere in the country >> it is not easy to get good food, get it delivered fast and make sure it travels well. >> it's not. that's part of our magic part of the magic is managing the shipping and logistics, getting the customers, managing the customer support margins range product by product, but we get a cut of each order >> what are some of the restaurants i might recognize? how do you pick them >> so deep dish pizza from gino's east. this is the muffaletta in new orleans. one of the great sandwiches. maine lobster rolls from places like hancock lobster >> they asked me what i wanted to try and i said, give me a fork walk me through some of this stuff. what is this >> this is what we call the turducken of cakes piecaken three pies inside a cake this is the most popular item ordered for thanksgiving every year >> i want a little bit of everything

that's the apple, i see, pumpkin. >> apple, pumpkin, pecan in a spice cake >> oh, my gosh, that's really good where's it come from >> this is actually from a foodmaker new york zack young, kind of a celebrity chef this is one of the miracles of modern shipping. you literally have to do nothing. the muffaletta sandwich, you eat it out of the box. you could be in alaska and one day later have the original muffaletta at your door. >> what about that deep dish pizza. >> a lot of people think it's a casserole, but you can't question the fact that it's damn good. and new york deli. we brought back carnegie deli shop and they ship online this is called the monster people outside of new york can have a little taste of new york city >> that's fantastic. why buffalo wings? >> this is from anchor bars -- >> the place that invented it? >> yeah. at that time, chicken wings were not something that people actually liked to use in food. it was more for soup stock

the family there said, let me throw some butter and hot sauce, fry these suckers, and it was kind of the cronut of their day. these are pies from little pie company in new york. this won best sweet in new york at our sweets and beets festival last week. >> joe, thank you. opening our eyes to some fantastic food we really appreciate you being here >> enjoyed it. thanks so much >> all right, everybody. that is the show for today i'm becky quick. thank you so much for joining us next week, the surprising threat to your health care that you may see over the next ten years. each week, keep it right here. we're "on the money. have a great one and we will see you next one i'm going to finish eating you want a fork? you get one too. this is really good. i want this. did you know that feeling sluggish or weighed down could be signs that your digestive system isn't working at its best? taking metamucil every day can help. metamucil supports your daily digestive health using a special plant-based fiber called psyllium. psyllium works by forming a gel in your digestive system

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well it's 5:30 on a friday here at the nasdaq market site that can only mean one thing it's time for "options action. here is what's on tap. >> coming up on the big show. >> vegas. >> vegas, baby. >> vegas. >> we're headed to sin city. and the chart master's feeling lucky. he'll tell us the one name he is rolling the dice on. plus -- >> a whole new world. ♪ >> that's right. it's a whole new world for disney as the company gets ready to launch the new streaming service. but dan nathan says there is something else that could take investors on a magic carpet ride he'll tell us what it is