see what's new at projectluna.com jo hello, everyone, i'm gerri willis. right now on "the willis report", hold on to your wallet, food prices are surging. we have got the latest forecast where prices are headed. also it is the other march madness. college acceptance and reject season. princeton review here with the latest report. is this the key to marital bliss? keeping his and her finances separate. we're watching out for you on "the willis report." gerri: we have a bang-up show for you tonight. wells fargo under fire for

fabricating mortgage documents to foreclose on homeowners. that is a top story tonight. and despite the $25 billion mortgage settlement, robo-signing may be alive and well. a lawsuit claims 150-page instruction manual, here, details step by step instructions on making unauthorized changes to bank documents, allowing the banks to foreclose on a home. the lawyer fighting the bank, joins me now. so, linda, this is your document. you gave it to us. you say that this is a manual that attorneys at wells fargo used to instruct people trying to foreclose on homes. what did this tell people? >> that document is my contention is simply an internal document that is basically a blueprint for making up and manufacturing documents where none exist or documents are lacking. that is my contention. gerri: your contention is, that in the mortgage meltdown, a lot of documents were missing. if you were trying to foreclose on a home, it would be super

difficult because the homes had changed hands so many times. the banks had churned these homes as well. so if were trying to bring together all the documentation it just may not exist. >> that's right. gerri: so what did wells fargo do? >> based on my reading of this document, this is again, the attorneys who are preparing documents, to make up for whatever lacking in the chain of title. gerri: so they would, you're saying, fabricate this stuff. >> that he is exactly what i'm saying. based on the document as i read it, wells fargo were manufacturing documents where none exist. gerri: we will read a statement from wells fargo in just a second. they don't agree with this analysis obviously. somehow you got your hand on a document internal to the company. they have confirmed that much. tell me why you're fighting this so hard? you obviously have clients with claims. >> because it doesn't stop. we went through the $25 billion settlement. it was supposed to resolve these issues and still business as usual. not just for wells fargo but all the big banks. gerri: you're saying it is not

just this one company? >> that's right. i think this is spread across the board. this is business as usual for all the big banks. >> this is wells fargo comment. this is what they say. wells fargo foreclosure process today and back in 2012 are appropriate and illegal and to allege otherwise is simply misrepresenting the facts. our team members review all requirements to properly initiate foreclosures. what do you say? >> that is not addressing the issue. the document i provided which is manual for taking step by step instructions as i see it to manufacture documents. what their statement simply not addressing the issue. gerri: i tell you, it set a fire under a lot of regulators. the consumer financial protection bureau, new york attorney general, u.s. trustees, they're all taking a look at this, all investigating. where does this go next. >> well, my hope one of these entities that are doing the investigation will actually bring someone to justice. actually go to wells fargo. maybe we'll see a perp walk at some point, who knows. gerri: when we were covering this the first time around with

the robo-signings, a lot of people out there, they said, hey, gerri, does it really matter the banks kind of played fast and loose with the documentation? after all these people had not paid for their house. they hadn't made their mortgage payments. what is the response to that? >> regardless whether someone is behind this mortgage, can happen to anyone in this economy, does not give the bank or anyone to fabricate documents and submit them to court of law and to entice a judge to foreclose on it. gerri: your clients still in a big fight with wells fargo. still big issues overhanging from mortgage melt down. as you take a step back an think about this, what were these banks to do? the documents really didn't exist. they were empty-handed. they needed to process these foreclosures. the market was never going to clear unless some of this work started to get done. what do you say? >> well i think the first step in foreclosures for any bank, do you have the right to foreclose? make that determination first. if you don't have the documents

perhaps you don't have the right to foreclose and that is certainly not the consumer's fault. gerri: not the consumer's fault. of course there is enough fingerpointing to go around to blame everybody just a little bit. linda, thanks for coming on the show. >> you're welcome. gerri: fascinating story. we'll keep up with you. you keep up with us. we want to know what is happening with these cases. >> thank you. gerri: from wells fargo underfire to food prices that is on fire. shoppers, you and me, everybody noticing food prices are heating up. these are new warnings this is only the start. we have supermarket guru joining me now. phil, good to see you. i can't help but notice every time i go to the grocery store, everything seems more expensive. why are prices going up so far so fast? >> first of all, let's not forget the california drought. about 50% of all nuts, fruits and vegetable that is are sold throughout the united states come from california. so that is one problem.

the other problem, because of the drought. the fact that a lot of cows don't have grass or wheat to eat, we're seeing dairy prices and beef prices going up as well. and you're right, this is just the start and it is going to get worse. gerri: here is what the usda says. they expect prices to go up to 2.5% to 3.5% this year. that is up from 1.4% last year. you say that could be wrong and not in a good way? >> absolutely. you know, this is before the whole california drought situation came up. i think it will be at least double that, if not more. there is another window i'm worried about as food prices go up and we want cheaper, cheaper, cheaper. that opens the door for china. we seen a lot of food safety issues with china whether on produce or milk or beef. we have to be careful what we wish for. if we ask to be too cheap, we

might be eating everything grown in china. gerri: i'm not sure i want to do that i'm you not sure they have the regulatory controls in this country to keep our food safe. that is what i'm worried about. do you agree. >> absolutely. and you should be. go back a couple years ago with the whole milk scandal they were adding melamine, plastic to increase the protein in milk. no, we want to grow it here. we want to keep it growing here but we have a problem with water. there is no question when we take a look globally, what is bonn on with our weather situation, what is going on? gerri: right. >> just to give you some example, to grow one head of lettuce takes 3 1/2 gallons of water. one walnut that takes 4.9 gallons of water. gerri: wow. >> so we really need rain and snow quickly in california if we're going to get past this. gerri: well you're in los angeles today. california really is a bread basket for the entire country. let's look at some of these prices though. we have a great little grocery

cart to show you here. how much orange prices are up? 12%. beef prices up nine. fish, 10. bacon critically important category there, up 8%. potatoes up 9%. really across the board. we're seeing milk prices up too. what is going on there? >> again, it all goes back to water. it goes back to the feed. if you, a lot of cows, for example, in california are either grass-fed or organic. so they're eating grass. there is no water to grow the grass. got to come from somewhere. what we need to understand as consumers is food comes from the ground. and the weather affects it. people can argue all they want about global warming and everything else but just talk to some farmers the way i have. and they're very nervous and in fact a lot of farmers that are now reaching retirement age are just throwing up their hands. they're saying hey, i will sell the property. give the money to my family. we have farms have been five or six generations in one family

and they're just bailing. they just don't want to deal with it. gerri: it is difficult for us on the east coast to really understand what is going on out there in california. the situation is so serious. i just want to get to you make one other point before we go here. we've had rising commodity prices for some time. coffee up 72% from the end of 2013. here i'm again talking about the commodity price. how long does it take to flow into what i buy on my grocery store shelf. >> depends on the commodity. in the case of coffee, coffee is usually about nine to 12 months after. keep in mind be the reason coffee prices went up, it was raining in colombia almost close to a year. so that affected that crop. gerri: we have got rising commodity prices for hogs and oats across the board. that tells us prices are going to be going up everywhere. phil, thanks for coming on the show. this is such an important story for everybody. at least people who liked to eat. last time i looked that was

everybody. thanks for coming on. >> thank you, gerri. gerri: well we've got more to come this hour including advice whether hiring some one to get rid of your debt is worth it. you will want to hear that. next we answer the question, how do you do that? help your kids destress about applying for college especially since a lost worry is for nothing. ♪

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gerri: well, that time of year when college students all over the country are checking their mail, waiting to see if they have been accepted or rejected from the college of their dreams. so how stressed out are the kids about the whole process? here with a brand new survey, princeton review, senior vice president, author of if the u fits, advice on picking right college and getting accepted. welcome back to the show. >> thanks for having me. gerri: a lot of worries about being accepted in college and economy is not great. you conducted the study 11 times. >> college hopes and worries survey. what we want r found out from

11,100 students and parents took the survey, there is increasing worry about debt. we talked about that, ballooning for both public and private schools, big stress around the s.a.t. and act and s.a.t. changes that will happen and get into their first choice schools but families won't be able to pay for that. gerri: i find everywhere i go people are worried about debt. 35% worried about the level of debt. they can't afford their first choice. and won't get into their first choice. all those kind of concerns coming up. what about this idea that the state of the economy is so poor too? look, let's face it, once the kids get out of school, they have to graduate and get a job hopefully. >> absolutely. one of the things i like and most proud of princeton review focus on schools that do awesome jobs of career services. moving the career services center adjacent to the admission vast office. you will have great experiences

undergraduate and jobs after you graduate. schools are doing very elegant job, some of them. gerri: how do we know which best ones are? i'm getting you awful off topic. >> best career service centers, number one, penn state. number two, university of florida. both awesome schools and do around career services and mining alumni to give back to services. >> how necessary is financial aid. the people you interviewed said very. 89%. big worry worries about the money. >> big worries. what i love, we can demystify the financial aid process, full 40% of the award packages students get come directly from schools that admit them, based on s.a.t., act scores, high school gpa, academic admission as well as dollars. 50% come from the government, federal or state and 10% or less private scholarships.

>> can't just go by tuition figures, because at end of the day that will not be how the bills get paid. >> exactly. gerri: bank of mom and dad. >> so true. the sticker price, it causes such fear and shock for so many students and families what we talked about in the past, many schools bring down the sticker price to something palatable that won't make you or your family mortgage out the future to pay for school. gerri: we heard what students are worried about. they have lots of concerns. so what are mom and dad worried about? >> similar concerns certainly around debt and absolutely concerned that making sure students get jobs after they graduate. they're asking questions at beginning part of the ad mig stations process. gerri: that is good. pick majors on basis what i can do for the long term. >> totally hear. >> before you go, advice for folks out there, mom and dad, kid, struggling getting letter in the mail. maybe they got in, maybe they didn't. what do they do next. >> if you're wait fog letters, wait for all your letters to come in before making decision.

it has to be admissions decision as well as financial admission. gerri: how dong do you wait? >> march 15th, comes out with letters of admission. you apply to 10 schools, get in eight, you have to consider financial aid as part of the process to get into that discussion. younger kids and parents, be fearless about the process. talk about these things now so you will demystify it and take any of the stress out. gerri: i feel better. i'm breathing now. rob, you're terrific. thanks for coming on the show. really appreciate it. later in the show, examining your relationship. is money getting in the way what you should do about it? are debt cancellation problems worth it. you heard about this you don't remember it. is it a big scam? should you take advantage? we're looking out for you and your money. stay with us. 24/7. i'm sorry, i'm just really reluctant to try new things. really? what's wrong with trying new things?

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cancellation products. what you need to know in six at this seconds.

gerri: general electric facing a federal probe. the consumer financial protection bureau investigating the company's retail credit union marketing of what they call, debt cancellation products. now you may not have heard of that phrase but you probably have seen it in mailings. and our question tonight, are debt cancellation programs worth it? here with more, john alzheimer of credit sesame.com. define off the bat, what are these things are. you get them in the credit card statement, offers, if you're having trouble paying. >> that's exactly right, gerri. these debt cancellation products are variety of services, sold

with enhancement products with traditional loans or credit cards. what they promise to do, if the debtor goes through a life-changing event all the way up to dying, to losing their job or becoming fully disabled, that this insurance would then kick in and either cancel out the debt entirely or make the payment for a period of time until the consumer can get back on their feet to start making the payment themselves. gerri: you can understand why this would be attractive, right? especially during the recession, a lot of people weren't sure if they would hold on to the jobs if they could make that next payment. people figured paying a little bit more every month might make sense. you say no. why? >> it doesn't make a lot of sense because, just, think of how often you file a claim on your auto insurance? not very often. think about how often you file a claim on your homeowner es insurance. not very often. this will be the same with these type of debt protection services as well. you will not get value out of what you're paying into the program essentially.

frankly you would do much better as debtor to take money paid to the creditor to insure your debt and pay off the debt or lower the principal balance quicker than paying it back through the normal amortization schedule. the problem, these are very, very profitable product the and they're very aggressively marketed. which is why the cfpb is not necessarily like how these things are being pushed this is not the first time they looked into these type of payment protect plans and certainly will not be the last. >> might pay $30 a month, $40 a month, maybe $50 a month on guaranty. cashing in on the guaranty can be very difficult. the rules around it may be something you didn't pay any attention to when you signed up for it. tell me about the hidden risks of these policies. >> that is a very good point. at beginning, the price something variable. not one size fits all. it is generally bays on how much of the debt you have is going to be the price you're going to pay to essentially insure it.

the devil is always in the details with these types of services and exclusions are pretty considerable. your age. the type of job you have. how often you go to work. in other words if you're part time, how many hours are you working? if you are voluntarily unemployed or involuntary littlely unemployed, these are things that can determine whether or not you can cash in on this promise to have your debt canceled. gerri: a lot of people don't even qualify after they pay into it. they put money into the insurance policy they could have used to pay down the debt. devil is in the details. the news is not good. the ge made a statement to us here at fbn here is what they said. we publicly disclosed issues on our own in detail. we're working cooperatively with regulators. we have strong controls and processes in place and work with all regulators to set a standard for consumer transparency. and you say? >> in all fairness to ge and the other credit card issuers who the cfmbs have come down on and

looking into, in many cases they are not ones directly marketing these services. they have outsourced that process to third party companies who are paid a commission for the amount of sales they can close which is a significant conflict of interest because if i can sell something to you, even though i may not really think you need it, i'm going to make more money as salesperson. that is where the guys are getting in trouble. these companies are acting as their agents or their proxy. gerri: i have to tell you, john, i don't wait for the regulators to rule. i say if you're offering this, forego it. there might abettor way to pay the bill. >> thumbs down definitely. gerri: john, always good to see you. appreciate your time. >> thanks, gerri. you bet. gerri: time now for a look at stories you're clicking on tonight on foxbusiness.com. vladmir putin officially made crimea a part of russia today, two days after the region voted to secede from ukraine. putin described the move as a

changing for justice. back at home, stocks building on yesterday's gains following encouraging news on the housing market. applications for permits to build homes rose more than 7 1/2% in february. the dow made another three-digit jump today. general motors continues to attempt damage control in the wake of its huge compact car recall, this time by creating a new post of safety chief. gm today named a 40-year engineer, jeff boyar to that role. ceo mary barra says the appointment gives gm a single safety leader responsible for vehicle testing and the safety of cars. walmart is planning on launching a new trade-in program allowing customers to trade in used video games in exchange for store credit. the world's largest retailer is taking aim at the $2 billion video game market dominated by gamestop. the value will vary by console and age of the game but could be

as high as 35 bucks. those are hot stories on foxbusiness.com. coming up a mom talks about a fight to save her sons only to be met by government red tape. next a personal financial debate. should couples keep their money separate from one another? we will get both sides. we want your reaction. stay with us. ♪ my dad has aor afib.brillation, he has the most common kind... ...it's not caused by a heart valve problem. dad, it says your afib puts you at 5 times greater risk of a stroke. that's why i take my warfarin every day. but it looks like maybe we should ask your doctor about pradaxa. in a clinical trial, pradaxa® (dabigatran etexilate mesylate)... ...was proven superior to warfarin at reducing the risk of stroke. and unlike warfarin, with no regular blood tests or dietary restrictions. hey thanks for calling my doctor. sure. pradaxa is not for people with artificial heart valves.

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gerri: you have heard the depressing statistics when it comes to marriage, 50% wind up in divorce in the root causes of those divorces is money. the now more changing mantra to what mine is mine. here to debate if married

couples should merge their mother keep it separate. welcome to you both, great to have you both here. separate accounts, why are you in as a kid? >> people waiting until much later in life to get married now. average of the first marriage is 27. most young adults had a chance to establish independence and money mindsets. when you marry somebody it typically marry somebody who shares your value. pity many fights can come from those differences of money styles. having a separate account and having her my separate is the way maintain autonomy. nothing were not all intermarriage. but you mentioned about 30% of adults who want to end financially independent not just because of divorce but it might have an unexpected death. gerri: that is a good point. what about secrecy?

what do you say? >> it is funny how people jump to secrecy when they think of separate accounts with their spouse. i really think it is important to have a little pot of money. i spent most spouses will contribute equally or fairly to joint expenses and a little bit of money to do what you want with. i am not saying you shouldn't have access to what your spouse is doing or you shouldn't share that information. more about splurge on yourself. gerri: you say you have to merge it. why? >> have enjoyed finances force the couple to become a team in every sense of the word. it forces you to come up with joint goals and work together to accomplish them. not only that, it forces you to put the needs of your family unit ahead of your own personal needs to it discourages selfishness.

gerri: at the end of the day unless you have kids, do you have to merge? should they all merge their money? >> i think it would be overly compensated if couples with kids did not merge their money. who pays for diapers, who pays for daycare. gerri: if you don't have kids, it is not that complicated. should you merge your money? >> i have kids, so i don't know. gerri: there was an honest answer. thank you for that. let's dig into this a little bit more. everybody is different, right? the idea so many people want to know about is typically in any relationship one person is the spender and the other is the saver. so how do you accommodate that fact in a household where you are separating out your money? >> the separating of the money helps to negate those differences. i have had spender's tommy their

spouse save them from themselves. i have several couples in my life, family members and friends one spouse loves to spend and the other is a great saver. if the saver was not a part of the marriage they may not have been able to accomplish the financial goals. it is the best way to handle those alternative mindsets. gerri: howley, what do you say? >> i disagree. it just does not actually solve the problem, all it does is push the money problem to be dealt with at a later date. what about retirement, what if one spouse saves for retirement and the other doesn't, this one spouse live comfortably while the other greets at walmart? gerri: are we buying a second home, merging your accounts, does that get you more on the same page to do the things together?

>> it does. it forces you to compromise, which is what marriage is about to begin with. if you cannot compromise on money, what can you agree on? gerri: last word, what else would you tell people out there trying to make that decision today? >> communication is key, you have to be on the same page about money, you have to have ground rules, certain dollar amount you don't spend without your spouse's input even if you have separate money no new credit card debt, you're both contributing toward your goals. gerri: honesty is the best policy and both of your plans accommodate that. great to have you on, thank you very much. now we want to know what you think. should couples keep their financial assets separate or should they put them together? we want to know what you think. log onto gerriwillis.com and we will show the result at the end of tonight's show. we have more here. our top five, $400 million up for grabs in the mega millions

jackpot. the single player matches all six numbers, it will have the option of taking $224 million lump sum price. if nobody wins, the jackpot rolls over to friday's drawing. the grand prize be closer to $500 million. so where does the jackpot stack up? today's top five. number five was last august. $448 million, three winning tickets were sold in minnesota and new jersey. number four, the powerball from 2012. two people in arizona and missouri when the jackpot. nearly $508 million. the cash value almost $385 million. number three, and the powerball drawing in may. only one person in florida won the jackpot at $591 million. the comic has prize of $371 million. number two, the winning tickets were sold in california and georgia splitting the jackpot at

$648 million. cash value almost $348 million. the number one highest jackpot, mega millions drawing in march 2012. $656 million jackpot won by three folks in kansas, illinois and maryland. largest in history. i would take the cash, wouldn't you? so much better, i think. the somebody with nice jackpot it would come in seventh on this list. when we come back, a mother's fight to save her son, why isn't the agency helping her son in fm suffering? after the break. we asked people a question, how much money do you thk you'll need when you retire? then we gave each person a ribbon to show how many years that amount might last.

i was trying to, like, pull it a little further. [ woman ] got me to 70 years old. i'm going have to rethink this thing. it's hard to imagin how much we'll need for a retirement that could last 3years or mor so maybe we need to approach things dferently, if we want to be ready for a longer retirement. ♪

gerri: two mothers battling life and death for their children.

the disease, which can be fatal, is a form of muscular dystrophy. they say their children have a fighting chance. the only obstacle, the fda. here with more, the director of outreach for the jet foundation. and the ceo of the jet foundation and cofounder of the international alliance. welcome to both of you, thank you for being with me. i want you to tell me more about this disease, what we know about it and what the cure might be. >> it is a progressive muscle wasting disorder. my son was diagnosed when he was five years old. he has progressed to be a quadriplegic essentially. the muscles waste away and children die by the time they are 20 years old. one in 3500. gerri: not a ton of kids, all

boys being hit. tell me the story of your family, what happened? >> about two and half years ago i was sitting with two children dying. austin was 13 and max was 10. we were lucky enough that max qualified for a clinical trial, very small trial of 12 boys in the united states for a new drug to treat it. austin, his older brother did not qualify because he was already non-ambulatory. i have a 12-year-old, max, on this drug and has been for two and half years. he is not using a wheelchair at all anymore.

gerri: it is not approved by the fda, right? >> that is the whole problem. it has been a clinical trial which means the children are testing out a new drug, so literally they picked children who fit the criteria and there were 12 kids in the united states that were able to get into the trial. gerri: so my understanding is the fda was on the road to proving it and backed away. what happened? >> we are still very unclear of what happened. what i know for sure is it looks like it was on its way to being potentially approved so my son could get it and thousands of little boys could potentially have their lives changed by the drug and it was simply halted. it cost us more time probably another year's worth of time. we don't have any time, we are fun.

we worked with the fda for over a year now, we are not getting the answers we want. we have met with them, phone calls with them, what is the holdup? i cannot tell you what is going on. gerri: what happens to these boys if they don't get the treatment? >> austin is already non-ambulatory. since the start of the trial he is losing the ability to us uses hands. if he does not get the drugs soon, he will no longer be playing the drums, hugging me and eventually the life expectancy is early 20s. jet will die in the very near future. others will lose emulation while the the fda struggle to decide what the right path is with this drug that has kept my younger son on his feet. kids. walking, kids.

feeding themselves and kids will die. >> it seems to have a carrot taking in front of us and we cannot get it. we bury children and watch them go and have their lives changed forever. it is an entirely new class of drugs. it will not affect those just here, but all of us have to think about this issue and how it can impact them. there are other genetic disorders this technology can help. we're trying to pave this with the fda. it is difficult, but we are fighting for our kids. gerri: i am completely impressed with your results, both of you. the two of you are formidable. these boys understand the stakes of what is going on here? >> of course they do. austin has been sleeping in a bed next to his brother watching him get better, so i have this

kid who could be the last child to die from this disease and his brother could be the first child to survive it. it is absolutely terrifying too often as a 15-year-old kid there is now a treatment and he just does not have access because the government has not made the choice to save his life. gerri: we have been looking at pictures of your children, the boys are beautiful, they really are. we appreciate you bringing the story to us. we want to report it, stay in touch. >> we want to encourage people to go to the race to say yes website and sign up on a petition so we can get white house attention to this matter as well. gerri: the race to sa yes.org. thank you so much for coming on and sharing your story, appreciate it. >> thank you. gerri: poor kids. we have more to come.

he is going to jail. do you know this fellow? he spent three decades selling consumers how to lose weight, get rich or cure any illness without drugs. now he is going to prison for 10 years bit in 2004 they ordered him to stop play his products on tv but prosecutors say he wouldn't go away doing 32,000 more infomercials. mainly for his weight loss books. they call him and untiring, uncontrollable huckster who has defrauded the unsuspecting for 30 years. onto our wall of shame. he belongs there. my two cents more and a new survey shows just how frightened americans are of paying for health care in retirement so how much should we be saving it? don't be afraid. so ally bank has a raise your rate cd

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gerri: what will you spend in retirement? a new facility survey shows a disconnect between americans between health and wealth, and why fidelity says i that is composed of retirement risks that can cost you more. his executive vice president of investment strategies at fidelity. thank you for joining us, great to have you here. according to your study, 84% of americans are concerned about health care cost him at that are doing anything about it? >> when we ask if people thought

they were in good health come almost three quarters of the people thought they were in better than average health. only half of us can be. we are overly optimistic as how we are as americans. gerri: are we aware of just how much it will cost? >> we are not. they said about $50,000 over the course of their retirement. in reality we look at a couple, they will spend more than double that. for a couple, and it's more like $220,000. you have to think about how long you're going to live in retirement and how much your health care costs are to be. gerri: what are all the costs your building up that number? >> there are costs people can anticipate. extra visits to the doctor, co-pay, things like that. but is difficult for people to understand is when they're planning for retirement and the good sense of what the grocery bill is, the housing cost, but health care tends to change.

it changes in amplitude, how much you have to spend and in duration. may last for the length of your retirement. planning for those extra expenses really challenging. gerri: are you considering people will be in retirement for 10 years, 20 years, 30 years? >> we ask people to think about planning and the early 90s. the reason we use a couple is one half of a couple, 25% probability of living into the early 90s. you have to plan for retirement almost 30 years long. gerri: what does this mean for people in retirement taking money out of their retirement account, how ca could impact the way you take the money out? >> we think how much you budget, that is critical going through discussions with people about to enter into retirement or folks who just retired, budgeting is a huge part of it. make sure people have essential expenses covered by certain income stream as possible.

food, shelter and health care costs. the lower your health care cost and the healthier lifestyle, the more you can use the money for discretionary expenses, travel, leisure activities, et cetera. once it becomes mandatory, all of a sudden you don't have the possibility to shift around the two buckets. gerri: you said health care concern bumps the number up to where? >> absolutely. we've income replacement after your working career has ended. your income before you stop working, the leisure activities in retirement and a third is health care. we find individuals who are healthier have almost 20% lower cost of expenses in retirement than those who are less healthy. gerri: thank you for coming on and explaining this to us.

thank you so much for being on the show, appreciate your time. and we will be right back with my two cents more and the answer to the question of the day. sure couples keep their finances separate or together? we will see what you say. those litt things still get you.

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or start a new business here... and pay no taxes for 10 years. with new jobs, new opportunities and a new tax free plan. there's only one way for your business to go. up. find out if your business can qualify at start-upny.com gerri: because money is the number one reason for divorce, many, many experts suggest couples keep finances separate. do you agree? yes, pay the bills proportionately according to the total family income. i wife never worked outside the home raising the children so i don't speak from practical experience, just seems like a logical thing to do. if you are in a truly loving marriage money should not have any way to drive a wedge into it. that is not a marriage, that is a business arrangement. 39% of you said keep it

separate, 61% said no. log on for our online question every weekday. last night we talked about how the federal government is collecting more tax dollars than ever in its history. in the first five months of 2014 alone. the reason i bring this up again is because we got news americans are not saving. one-third have less than a thousand dollars stacked away. 60% have less than $25,000 saved. amazing, right? i think these two stories are connected to the more the government grows, the more demands of us in the less we can set aside for ourselves. we demand more from the government. the federal government needs to go on a diet, spend less, leave more for us to save and invest and we will be a healthier country for it. that is my two cents more. thank you for joining us. don't forget to dvr th the showf you cannot catch it live.

we will see you back here tomorrow. neil: welcome, everybody. i am neil cavuto. the next time you hear politiciapoliticians asking fore money, ask them what they are doing with the money they are already getting. they are getting a record lots. a wicket record, over the top like shooting fish in the barrel because they have us over a barrel. in the first five months of this fiscal year tax revenues hit a record. $1,104,947,000,000. in just five months. that isn't just us. never in history of man have so much money than race in such a