equal opportunity. david: like the fockers. wasn't that the case? "willis report" is next. we want to get a preview what is coming up. gerri, i assume something has to do with the epa there? gerri: we do. we're reporting on this. now you had mitch mcconnell on who was very interesting today and he had a few things to say about the epa policy on coal. they want to shut it down. that is a great interview. we'll have on an author who has covered this industry for two decades and written multiple books. it will be a fascinating time. david: good stuff. gerri: can't wait to get started. david: see you soon. liz: thank you so much. take it away. gerri: coming up today on the show, it is the start of hurricane season. we'll have the latest predictions from forecasters and important information for all of us. also, pro golf rocked by an insider trading investigation. we'll break down the case involving phil mickelson and others and what is going to make-or-break this case. stocks continuing to hit new record highs. we'll answer the question, are

we set rally this summer? tonight we begin with our cash challenge. have you been following this? it has been over two months since we started. we asked you, the viewers at home to, put away the credit cards and go cash-only. now some of you wanted to save money. others told us they wanted to avoid all the card security breaches sweeping the nation. regardless the willis cash challenge was here to help. now the challenge is many could to an end. we have special guests here to mark the occasion. take a look. but first, let's take a look at the journey our participants have taken. check this out. >> hey, guys. i've steven and this is my wife caitlin and we're from colorado springs, colorado. >> i'm andrea, this is my husband chris. >> i'm elaine and we're from colorado springs. >> i'm chris lynch. i am 48 years old. i live in washington, d.c. and i'm single and i want to take

the all-cash challenge. >> we're so excited. >> yes we are. >> whoo. >> we have four credit cards that we used over the years and we would like to pay those off and go strictly on a cash basis. >> we want to see if we actually spend less money by using cash instead of credit. >> i thought, what another way to integrate something cool and disciplined in my day-to-day regimen. >> we adopted our very own cash challenge about three years ago. we were sick and tired of our debt. only way to get rid of debt to pay it down and budget and pay cash for everything. ♪ >> it is amazing. this is how the we tracked our cash on a weekly basis. >> put little stickies on the mason jar with the little categories. at the end of the week i add up all the receipts. i use a xcel spreadsheet and expect all the different categories. >> when we get the cash we pay in a an envelope. >> money feels tighter when you

pay with cash. >> i filed electronically for state taxes and they require a credit card. >> i'm out shopping at my favorite stores. i have a cash budget balance of $500. let's see how i could stretch that to get some new outfits. >> it is middle of the month and we're starting to see -- because we spent a lot of money on groceries. >> serve a confession. oh, i'm so embarrassed. i totally overwithdrew on our checking account. >> using cash is fun because not only does it require you to be responsible, it really requires you to be disciplined. >> we go to the grocery store, we go to a restaurant a bill comes, we take the cash. lay it on the table. people think that's weird but cash is king. >> one day into the challenge i had a tooth break and had to go to the dentist. so i did find out that by paying with cash, i saved 5%. >> we love self-checkout. it is easiest place to pay cash. >> we did finish our shopping.

i only spent $141.74. we have approximately $18 left over. so we had money left over for a hot dog. >> if you are going to pay cash, it requires a ton of planning. >> i'm here to say, if we can do it, so can you. gerri: aren't they awesome? joining me now, caitlin and steve from colorado springs and from washington, d.c., chris lynch. they are here on set with me today. we brought them here so they could chair their experiences with you. i have so impressed with all three of you guys. you've been awesome and making it happen and really explaining the process along the way. caitlin, i will start with you. you were like the camera queen with little video camera. i thought it was great. monitoring everything. what was the toughest thing about going credit card-free? >> i would say the hardest thing was just managing the cash flow. when you're paying with a credit card, you have your income in your account at end of the

month. your cash is there to pay your business. but when you're paying with cash, you have to really monitor that balance. gerri: steven, you showed us wallets you use, the envelopes you used. but there's another complication here. you guys are a couple, not doing this individually. how did that make things more complicated? >> it made it more complicated at the beginning because the communication barrier had to be opened up a bit there and i think we did that pretty quickly early on. so that was very nice for us. the communication just kept skyrocketing from there. it was awesome and i think we're a lot closer because of this. and we're a changed couple. and i'm proud to say it, in a good way. gerri: wow, that is really cool. it is hard to talk about money. when you're forced to do it, it can really change the dynamic. chris, so enjoyed your videos. >> thank you, gerri. gerri: from the car, right? >> right outside of the stores. gerri: the truth is out now. tell me what was hardest for

you. you only did it for six weeks, right. you guys did it two months. six weeks. >> right. gerri: what was the biggest obstacle? >> biggest obstacle was breaking the cycle of using debit and using credit and having to go back to the atm, budgeting. it is become a way of life now. so that is what makes the obstacles fun. it helped me to form a new habit. gerri: my favorite story about you is, you said you had to get a lot of things in your life under control. >> right. gerri: for you, money was just another thing that you wanted to own and take charge of. >> absolutely. gerri: tell us about that. >> part of the just the transformation from getting diabetic, taking insulin shots and all those things -- gerri: chris is diabetic. he has gotten that under control. >> so that is under control. the last part was getting the financial part down. the good news of saving over $500 in that short period of time has given me the just, forward momentum to do it again and again and again. so it is become a way of life now.

gerri: wow. >> just like same thing with diet. same thing. gerri: i will tell on caitlin and steven here. so they come to new york city. where do they go? they go to an all-cash restaurant. picture that. how did you, how did you find that? >> we were walking around near times square and we were hungry and wanted some good asian food and stopped at restaurant, and sure enough on the door, cash only. we thought opportunity. we need to take a picture for gerri. that we did. >> i will miss your pictures. let me tell you. stephen, as you go forward will you keep any pieces, will you continue to do it, how will it change the way you handle money? >> kate and i were talking probably not do cash only thing, a little bit of both a little bit of credit card, lib bit of cash, a little bit of credit card. with hard fast bills we have, do credit card. entertainment money and groceries, those things we spend a lot of money on during the

month, to keep karn in on that. gerri: that is very interesting. >> that we found to be beneficial for us. gerri: things you would describe as things recurring purchases. >> yeah. gerri: you're going to pay in cash. that actually makes a ton of sense. durable, non-durable spending it should be different. chris, how will you live differently? >> i will try to save more none any each month. whatever the goal was this month, i will beat it the next month and save more. gerri: okay. so i got to ask, did you guys hit your goals, kate lynn and do you have any words of wisdom for anybody that wants to try this? >> we hit our goals, yes. i would say focus having a budget and following it. if you implement a cash perspective for doing that you will definitely save money. gerri: stephen? >> agreed. we had a blast with it. sad it is coming to an end. also it is not coming to an end. it is life. it happens. this will be day-to-day for us. we'll take what we learned over last couple months and use them

and implement them still going forward. so this is going to be a lifelong journey. gerri: i love it. chris? >> next time someone breaches our system, use cash. that is the best weapon that we have to, it's our daily usage product. let's continue to use cash. that way we can continue to transact our commerce in the stores and not worry about these breaches. >> just to explain here, genesis of this idea in part, target of course, customers, millions and millions of customers breached, their information stolen this happened not just at target but you know lots and lots of stores, michael's and others. question were looking for a way consumers could take charge and feel like they didn't have to get ripped off. using cash frankly is one way to do it. it puts you in control of your relationships and your money. there are all kinds of benefits. >> absolutely. gerri: you guys, thank you. thank you for coming to new york gerri: great job.

>> so sad it's over. still to come, a lot more this hour. including your voice. your voice is important to us. that's why during the show, we want to you facebook me or tweet me @gerriwillisfbn or send me an email @gerriwillis.com. at the bottom of the hour, i will read the tweets and. mace. tell us about the cash challenge. do you want to see more cash challenge? do you want to see a different challenge? epa throws down the gauntlet with its war on coal. what this means for the economy and most importantly your electric bill. we'll have the answers next. ♪ i ys say be thman with the plan

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gerri: well, santa claus was from west virginia, president obama would be getting a lump of coal in his stocking next christmas. today, the environmental protection agency unveiled a new program to reduce carbon emissions by 30% before 2030. the plan could crush the american coal industry and what is it going to do with your electric bill? it could make a big difference to climate change as well. to help us answer some of the questions we're joined by robert bryce from the manhattan institute. the epa wants to cut carbon pollution from existing carbon

plants by 30% by 2030. this seems like ambitious goal to me. is it possible to do? >> it is clearly possible to do, gerri, but what i think the punch line is here, the obama administration and. pa are trying to do bureaucrat i cannily what they couldn't do legislatively. if you look at math i don't think it will have big impact on global co2 emissions and i doubt it will have much impact on global coal demand. gerri: the big point obviously from the epa's point of view they want to bring down overall coal emissions, you say not really, it won't happen. why? >> well, let's look at the math. if you look at the epa's numbers they're saying a 30% reduction based on 2005 emission levels. those numbers were i think 2.4 billion tons in 2005. so at 30% reduction means a reduction of 720 million tons per year. in 2011 alone, gerri, global co2 emissions rose by

723 million tons. the obama administration is trying to reduce emissions by 720 million tons. the emissions have risen in one year as much as they're trying to cut them in 16 years. i mean, the reality is, globally, co2 emissions are soaring and so is coal demand. gerri: almost like we don't count. what is going on in this country is so small, compared to the rest of the planet. big emissions in china. all through southeast asia, you name it. so the u.s. which is already reduced our consumption of coal, already reduced our output of coal emissions, it really doesn't make that much 6 a difference, does isn't. >> it's a great point, gerri n fact the u.s. is leading the world reducing co2 emissions. the president said that in his state of the union address in january. his council of economic advisors release ad report last month saying same thing. look at china. i did the calculations. between 2006 and 12, a six-year period, china's emissions rose alone by 3 billion tons in four

years, i'm sorry six years roughly they had increase four times the expected reduction that the u.s. will have over 16 years. so, you're right, the story today in co2 emissions is not in the united states. it is in the developing world. gerri: and yet, and yet, senator mitch mcconnell in our 4:00 closing bell show today was livid, angry about this, saying it will cut as many as three million jobs. he said it is a fool's errand as you do and will make no difference to global gas emissions, coal emissions but will throw a lot of people out of work. that to me is a tragedy. do you think it would be bad if coal miners stayed home? >> well, look, this is definitely going to have an impact on west virginia. it will have an impact on kentucky. likely in wyoming, montana, the coal mining states and also the states where coal-fired generation is dominant. so, there are going to be costs. the epa itself recognizes this and talks about the billions of

dollars per year in cost. of course they talk about what they think the expected benefits are. look, we've already seen natural gas pricing out coal in many markets. in my view, we should let the market work here. and again, but the obama administration is not willing to do that? gerri: that is interesting. so you let the market work. people opt for natural gas, cleaner of those two energies and everything is wonderful but washington wants to put in an edict and force everybody to do what they want to see done. my big question for interview really, what does it do to my electric bill over time? >> this is the key question, gerri. i can't answer that. the chamber of commerce came out with their own report on their estimates. epa has their estimates. here is my punch line, gerri. i worry we're simply repeating policy mistakes of the past. 1978 congress passed fuel use act and banned or restricted use of natural gas-fired electricity production. now we're going the other way and banning coal-fired electricity production, not

banning it, restricting it heavily. i think that we're, likely we become too dependent on one fuel source, natural gas, i'm pro-natural gas. we need a diverse energy portfolio and this unnecessarily restricts our options. gerri: doesn't this punch up natural gas prices in the future? >> potentially. that is the part that concerns me. we're putting too many bets on the natural gas basket. we'll be exporting gas. we see big increase in industrial demand for natural gas. now for electric generation it will be only choice for utilities building new plants. we could see many as half of existing coal-fired plants retired that will have no choice but to go to gas. gerri: that's a big number. robert, good to see you. >> thanks a million, gerri. gerri: here is your question tonight, should america stop using coal? log on to gerriwillis.com, vote on the right-hand side of the screen. i will share the results at the end of tonight's show. later in the show, stocks are hitting new record highs but

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gerri: well the 2014 hoare cain season has officially started -- hurricane season has officially started and how bad is it going to be and how can you prepare? joining me meteorologist joe bastardi. joe, will this be a bad year of hurricanes? what can we expect? >> deep tropics, mexico,

caribbean, we can allow a major hurricane out there have the season is below normal. i'm really worried in the cycle along the eastern seaboard, i think we're living in the borrowed time. we're at endgame in similar cycle we saw in the 1930s, '40s, '50s and '60s. people don't understand what happened to the u.s. east coast in the 1950s, gerri. between '45 -- 54 and 1960 we had eight major hurricanes in '54 and '55. ocean water temperature at end of cycle in 1950s are similar to what we're seeing now. north atlantic ocean is beginning to cool. first time since 1996 we're liable to have above normal arctic sea ice. how about that, the year it was supposed to be gone. if you look at previous patterns, when that happened, when it began to ship toward colder in the '50s, the warm water was stacked up near the

eastern seaboard. you had a railroad track up the eastern seaboard. that is what we're concerned about, not only this year but next year. gerri: yo joe, wait, wait. you said eight hurricanes? are you tell me we could beat that? are we on track for eight? how many? >> eight major hurricanes in seven years, five in two years. '54 and '55, gerri. gerri: right. i'm trying to ask how many this year? how many this year? >> this year, gerri, i think we'll have a total number of storms of eight to 10 but the problem is that they're going to be a lot of them in close to the united states. so instead of just having these storms out in the middle of nowhere that people are watching, the development, the area favored for strongest storms is right in close to the u.s. east coast and perhaps northeast gulf of mexico. that is why we're concerned. it doesn't matter if there are a dozen storms in the middle of know where. it matters if you get hit. that's what we're worried about. >> i can see what you're talking

about. i'm looking at picture, graphic you gave us. >> right. gerri: what do i do, if i live in one of the coastal states what should i be doing to prepare? >> first of all you have to make sure your insurance is up-to-date and things like that. there is no reason to panic, oh, my goodness i have to get out of here. let's remember a lot more people are living in coastal areas than there were in the 1950s. you make sure you're covered for this type of thing. also understand, if a storm like sandy cops along, you have to get out. let's remember, again, we had five of those in two years. gerri: wow. >> in '54, '55. that is what we're really concerned about. gerri: you mentioned sandy. that is my next question. is it possible we get another big event here in the northeast, new york city? >> oh, certainly, certainly. in fact guys like me are look at this pattern and saying, it is almost almost i wrote about article bit on the eastern seaboard, we should be in the next three to four years in the time we were in the middle of

1950s. look at storm like sandy, 1933 we had a storm come in from the southeast into virginia beach, those storms, people go why are they occurring? i ask why haven't they occurred? you have to understand that we're in heightened period of peril, even though we're right around the corner to where hurricanes go down. by the way this cycle has not been as bad as 1931 through 1970. over 35 major hurricanes since the united states. since 1970. only 20. it is not as bad as what they told you is. gerri: talk about the weather, and said there is major global change going on, gerri? right. gerri: is there climate change. >> there is clot mat tick shift towards colder. climatic shift towards warmer. pacific went into the warm cycle. atlantic responded is a years later. you have a rise in global temperatures. as soon as atmosphere adapts to the rise in ocean temperatures level off. ocean temperatures are falling

everything is going the other way. every metric came out in the movie, "inconvenient truth," going the other way. we have global sea ice near record high levels. global hurricane activity, near record low levels. tornadic activity near a record low. wildfires well below normal. amazing what i see going on with what is being told to the general public and what is actually happening. and all this, all this, gerri, is part of natural back and forth of mother nature. it is occurred well before we took the planet. since humans showed up. it will be occurring after we leave. gerri: so say that the planet is getting warmer. it is getting colder right now. >> gerri, the last -- gerri: go right ahead, joe. what's that. >> in the last seven years the global has been cooling. that's right. gerri: look, i think you make a great point. i think people make all these assumptions about the fact that, you know, we have all this control over the weather which we don't. just watching it. >> gerri, ignorance of the past

leads to arrogance about the future. that's what you learn about as a meteorologist. climatology is always something i was taught to use from what my dad is meteorologist. he was meteorologist back, got his degree in '65. you better need to know the past if you want a chance to know the future. gerri: great stuff, joe. thank you. >> my pleasure. thank you for having me. gerri: still to come a new start up is touting that it is starting a food revolution. have you heard that before? is the hype worth it? we'll tell you. next latest own insider trading allegations surrounding phil mickelson, say ain't so, what will it say about the his golf game next week at the u.s. open? that's what i'm worried about. ♪ ♪

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liz: if you're a professional golfer in the middle of a tournament and feds show up, it is probably not a good thing, and that is what happened to golf's favorite son phil mickelson. so how much trouble is he really him? steve, great to see you. phil mickelson is just the standard in the gulf, loves him. how much trouble do you think he is in here? >> if he has direct knowledge, he is in a lot of trouble. he could go to jail. the key is proof. liz: what you have to prove to show he was at the middle of this scheme to show the investor and better, carl icahn for goodness sake, you have to prove direct conversations and now

because the story leaked out, if you tayou kept people's phones,e will know they can't talk. it'll be hard to prove this case and people on wall street are laughing. what is the reaction in the sports world? >> there are lots of big banks, if you have knowledge and acted upon that and his criminally liable, a huge problem. gerri: these are sponsors of phil mickelson. lots of very high profile names, could that be at risk? >> absolutely. if the company want to pull the praguplug, the earnings could bt

risk. gerri: millions and millions of endorsements, just the start of what he has earned doing what he does. in the conversation here are the shares of clorox. look at this chart of clorox and what happened. you can see the questions the sec and fbi have our right before this plate. icahn eventually took a run at clorox, the question is if he tootold his best friend who is going to do that. very difficult to prove that. is the u.s. open next week at risk? >> it will possibly play mind games. you have all of these potential unknowns coming about. could he go to jail? does he realistically want to

tell everyone what he knows especially right now? it is tough to say. gerri: you sort of golf good boy. it has been associated with betting, but not touching on the game per se, betting on individual shots usually between tournaments certainly not during tournaments, and he is known as a family man as opposed to tiger woods who has gotten into big trouble. >> he is such a likable person, people want to have him be the company endors endorser. this is sad. i hope nothing comes about and he did whether he lost or gained money truthfully. gerri: he did a great job saying talk to my lawyer. he didn't try to debate it.

great to see you, thank you for being here. >> thank you for having me. gerri: apple kicking off a worldwide developers conference giving a preview of what the company has been working on. here is what was unveiled according to jo ling kent. jo ling: we are in san francisco where inside in a building behind me, 6000 software developers are working what could be the next big gap on apple's iphone. the news that came out today was ceo tim cook is interested in investing in seamless software across the board. making a phone call rather than your iphone or being able to share your itunes content with your entire family. something else was using the phone call capability. they called up dr. dre, one of the cofounder of beats

electronics, so a big focus on streaming and seamlessness at apple. another interesting thing about apple today as we were watching. if you see these developers gaining more access and trying to build more apps for consumers from the apple platform, that is it egg goal for apple. according to the "wall street devices.80% of all cell phones apple is a minority for those trying to encourage developers to build more for apple. gerri: when are we going to see these new devices? jo ling: there was no hardware today.

we could see the iwatchcome out this fall. not much focus on the ipad as they are losing some of their appeal as phones get more powerful. gerri: interesting stuff, have fun in san francisco. >> thank you, i will see you soon. gerri: now we want to hear from you. should america stop using coal? absolutely not. they have a lot of hard-working americans in the coal industry, leave them alone. and posting this, we should consider this but only after we put in place alternative energy source similar to what coal delivers.

traders starting a first trading day of june with a rally, but could this rally last the entire summer? and the s&p is having quite an effect on your gauge. the stock market. we will be right back. (mother vo) when i was pregnant

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this is a good signal of things to come? >> it is moving higher, and we're getting closer to the s&p 2000. we are certainly going to get there. we have to listen to the psychology of the market and what it is telling us is there is no fear of unemployment report. we will see 16 million annual units, so i am very optimistic now i am seeing everybody is speaking loudly saying the market is going up. melissa: are you still skeptical? the fix is at low levels, almost no volume today, shouldn't we keep throwing money at the market? >> those of the reasons why i am skeptical with the market. when there is no fear is when

you should stand up and take note. the p/e of 18 and 19 on the s& s&p 500 doesn't mean they have to come crashing down tomorrow. as complacent as they are getting, i can see easily a 10% correction in the months ahead. >> we are in a secular bear market. volatility with no growth. if you look back since 2000, we are up about 20% from the highs of 2000. 20% comes with incredible amount of that involvement to make that happen. >> i have to disagree on the firterms of volatility. the volatility is at historic lows since 2008, 2009.

the volatility hit another 52 week low today. it just keeps dropping. the market is going to correct, the possibly lose the next few months of an opportunity to make money. >> have a completely different view. again at 20% increase from 2000. gerri: i think a lot of people look at summer trading skeptically, lot of professional traders take their money off the table.

if you are a small investor, do you play that game or do you stay in the market? >> if you are only so many years until retirement, or conservative and more defensive. with the market at these levels to me should at least take half your chips off the table by cutting the size of her involvement in the stock market and half. in china, russia, indonesia, a lot are now beaten down to great values, much cheaper on the p/e levels than the united states. gerri: they are cheaper for a reason. there are pockets of opportunity. especially in areas with growth and value. of course investors want to yield and return too. we what income, value, growth.

i am buying some of the small-cap dividend yields. this is an online nutraceutical vitamin, a 5% dividend yield and there is no debt. a cheap company. gerri: what should they do? >> we are up significantly from the lows of 2009. if you are being extremely optimistic another 15% gain would be pretty extraordinary. what is the opportunity about 50% pullback or greater. i probably missed most of my clients are retirees and cannot have a significant loss to revenue of 5% gain or even 15% gain. they are far more looking for income and not capital gain.

they want out, they want to take a measure of safety and i am referring to retirees. gerri: a different market for different people. thank you for coming on. 15 record days of the s&p this year, not too shabby, my friend. good job. coming up, a startup is promising to revolutionize the way we eat. don't forget in less than 15 minutes right after the show, charles payne is debuting his new show, making money. do not change the dial committee not want to miss this. charles payne, the show is called "making money." stick with innovation.

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melissa: a new york-based startup is promising to revolutionize the way we eat. it is called blue apron and delivers meals for people who have no time to do that kind of thing. investors are on fire about it. now valued at half a billion dollars. thank you for coming on. your name is a bit of a tongue twister. thank you for coming on. >> thank you so much for having me. gerri: tommy a little bit about why this is so popular. is it as popular with consumers as it is with investors?

>> it is prepackaged meals delivered directly to your door. for me this time to time in a day to get done what you need to get done. to have the ability to log on, reviewed the dish you want to set for the whole week, per meal, wanting a nice home-cooked meal and you see the a price there as well. gerri: let me give you a sample menu of yet if they ain't messing around here. you can choose from caught with pickled grapes. and artichoke potato hash. and caramelized shallots. that sounds so great. >> it really does.

that is what is so great about blue apron. they are really promoting the use of specialty ingredients. they can diversify their pallet and add the customization aspect. gerri: i love it. you make the same things over and over again, this allows you to get out of it. is it expensive, will consumers jump on board? >> what is great about it if it is delivered to your home. you might buy in excess and loosely be 40% or 30% of what you actually bring home from the grocery store. to buy these meals prepackaged and pre-portioned to the number of people you're cooking for. $9.99 is a great deal for at home for one person.

two people it is $20. i think it is definitely a great option. gerri: google has his new program delivering food, amazon can deliver all of your food. i just wonder whether that is a lot of money for the service you are getting and whether people are going to be excited to do that. it is a real value thing. typically you're looking to save bill. will this allow you to save any money? >> i think it will because you're eliminating the waist from what you might incur going to the grocery store. i think it is a great alternative for people who want rience at home and it will not affect the restaurant industry because people still want to go out to dinner and have that experience, it is a great opportunity to bring that into their home and use the specialty ingredients you might normally get to use.

gerri: the price of the grocery store is going through the roof, so maybe this won't be so bad. it sounds great. thank you for coming on. >> thank you so much. gerri: we will be right back with my two cents more. should america stop using coal? stay with us.

gerri: not surprised by those poll results. finally, i'm already a little nostalgic for cash challenge. we wrapped up the project and i was super impressed by our participants. we had three of them on to tell the stories of living without credit cards. these days it is tougher and tougher to live without plastic but we find more americans are cutting down on the number of cards they have. average 2.6 credit cards per family.

29% of families carry no credit cards at all. very challenge to manage. it could be a good thing. thank you for joining me, we will see you back here tomorrow. charles: tonight on "making money." it is no joking matter, but this latest scandal gives me a chance to talk about wall street shenanigans and investing. and already costing massive jobs and electricity costs, but the epa is not done crushing calls the cost up natural gas bu from being a money machine. five reasons you should make investing in the stock market a lifelong endeavor beginning with economic freedom and the ability to control your own destiny. it all begins tonight. so, let's go make some money.