liz: okay. >> we have severe supply dynamics. that willower internal rate of return in stocks. liz: thank you, larry. david: larry shover. a lot more to say. "the willis report" is next. >> we are just moments away from a key senate vote deciding the fate of a project over six years in the making. remaining 1200-mile stretch of keystone pipeline transporting oil from canada to the gulf of mexico. louisiana democrat mary landrieu is scrambling to snag one more vote to reach 60 needed to pass the bill. her political career is on the line as she has until a december 6th runoff. perhaps more important than the fate of one north american jobs and energy independence at stake. joining us before the vote is taken, republican senator john any isakson of georgia. thanks for joining us.

45 goppers will say they will vote for this ink. up to 15 democrats. can the senator bring on enough democrats on board to make the bill go? >> i think she can. i will make prediction. it will be 61 votes. gerri: really? that is turnaround from what we've been hearing. a lot at stake in this vote. what do you think is gained by passing this legislation? >> jobs, economic activity, energy independence. america taking bold action which we always should and always have in the past of the of the united states is only person against the xl pipeline. the state department approved it five times. every state it goes through and the country wants it and we need to do it and do it now. gerri: two votes to gain here who will they be? what democrats cross the line? >> i will not get into naming names. i will wait until they show it on the scoreboard. gerri: we'll watch for that. meantime you've been on record backing this proposal obviously.

you've been, added your signature to letters that went to the president. you proposed legislation. you've been behind this legislation. it is six years since it was originally proposed. now it is thought that it will cost as much as twice as much to build. is that something we should rethink? >> i don't think, i think you would need to always look and be conservative about the costs and increase but that cost increases is in inflation and cost of doing business which happens when you delay projects you should do. i was a builder and developer in my private life. i know what happens when you delay. that amount of increase has been caused because of delay in congress of the united states. gerri: white house even today saying they don't like the legislation. here's press secretary with his comments. >> certainly as a piece of legislation that the president doesn't support because the president believes that this is something that should be determined through the state department. as you rightly point out there are similar pieces of

legislation that have been introduced in this congress where the president's senior advisors have recommended a veto. gerri: even if you do get the 60 or 61 votes, it is anybody's guess whether the president will sign it? >> well if he is true to his word he will veto it which i think would be a mistake. we need to start calling the president's hand. had basically two years where he pontificate from the white house never have to cast a vote, never issue a veto. never sign a bit. time to put america's issue on the president of the united states of america's desk and let him take action. gerri: john boehner today, speak of the house, had some interesting comments what his analysis of the president's actions might be. here is boehner. >> keystone pipeline veto would send the signal that this president has no interest in listening to the american people. it would be equivalent of calling the american people stupid. >> the equivalent of calling the american people stupid. and we know from surveys that about 60% of the americans support the project.

how, is the president still playing to his left base in trying to prevent this project from going forward? >> i think so but i really don't understand where all that pressure is coming from. moving that petroleum underground in a pipeline doesn't emit any carbon as well. cleanest way to move oil across the country. i don't know who is the president is getting his information from but he is not listening to the state department, he is not listening to american business, he is not listening to his country. gerri: so if this legislation goes down, if it doesn't pass the senate or if the president vetos it, what happens next? >> come january the 6th. new marshall will be in town. mitch mcconnell will be leader of united states senate. you will have a lot more votes. a lot of democrats will join us and we'll try to override the president's veto to make it happen. gerri: it creates, nine times the house voted to approve

keystone. 42,000 jobs initially. lots of support out there in the heartland for this project. at the end of the day, what will he be missing if this legislation doesn't go through? >> we'll be missing opportunity to be an independent energy nation. we'll miss opportunity to take great advantage for opportunity of our people. we'll turn our cheek and turn our face an look the other way for prosperity in america. it will be the wrong thing for america not to develop the keystone xl pipeline. gerri: we've taken big steps in becoming energy independent. the u.s. number two oil producer. do we need to go further? >> you know, i learned in the 1970s, when i waited in gas lines to get 10 gallons worth of rationed fast because the arabs controlled all oil supply in the world there is no such thing as having too much oil and too much energy. i think it is important for us to have access to everything we can. gerri: senator isakson, thanks for coming on the show. >> thank you very much.

gerri: that vote could happen anytime over next hour or two. we'll bring you the results as soon as they come down. the keystone pipeline could reduce one line item on consumer's budgets, that's gas. of course consumers as i mentioned have seen prices fall 54 days in a row for gas but it is prompting consumers to open their wallets. is that the big question? the answer may be found in retailers earnings reports. joining me cato institute economist and senior fellow dan mitchell. thanks for joining the show. great to have you here. we saw results come down from home depot in particular that would seem to indicate that consumers might be spending a bit more. what do you make of those numbers? >> i think consumers are simply dealing with the fact that energy prices are coming down. that gives them a little more leeway in their budgets and that's benefiting some other types of products and services consumers are going to buy. so this is a sector shift in consumer buying patterns enabled by the declining price of energy.

which is basically food news for the american economy but -- good news for the american economist. let's not forget the key thing is in long run not how consumers spend their money but whether we see increases in the amount of money they earn. gerri: that is a big takeaway. that's what we're all waiting for and haven't seen yet. here is numbers on gas price. i mentioned before that the the price of gas per gallon has gone down 54 straight days. we've been below $3 a ball lon 18 straight days. good numbers for u.s. consumers because i want do ask you this because in the pack of people's minds, they think, we've seen gas prices go down before. they will only down again. but fit is true what the iea is putting out that gas prices next year will be below $3 a gallon, will that reset how much consumers spend. >> i expect consumers might take time to adjust their buying habits on at least a long-run basis but i also think there

will be some safety in terms of energy prices because a lot of this energy is now being produced in the united states. the fracking, the energy revolution on private land. if we ever then begin to open up government-owned lands for production, the united states is going to be in a fairly strong position where opec will not wield the kind of control that they did back in the 1970s where bad government policy combined with opec was causing huge disruptions in energy markets. gerri: you mentioned before consumer incomes. we talked a lot on this show how incomes have not been rising. people have been very frustrated with the fact that prices for many things go up, not gas obviously. but they don't have that increase in income allows them to accommodate this. what is your expectation, what is the outlook for consumer and consumer spending? do you think people will get more generous? do you think there will still be lessons learned from 2008, being stingy, thinking, planning ahead. >> in the long run we have to

remember consumers can't spend money unless they first earn money and that's why you have to learn at the macroeconomic picture. the fact that labor force participation is low. the fact that median household income hasn't recovered back to where it was back in 2008. these are some of the long-run negative impacts i think of obama-nomics. whether it is obamacare. whether the tax increases that went into effect. a lot of the policies we've gotten out of washington made us more like europe. we're getting more european style growth rates. as long as incomes are flat because of government intervening, it is very hard to think in the long run consumers will have the income earnings to enable big increases in consumer spending. gerri: you make a very good point. it is as much policy as reality. i think people out there are dissuaded from spending? they're concerned, they're worried about it because they don't know where the next new regulation will come down and we've seen a ton of.

that on top of that obamacare really hurting people out there. we've seen the cost of health care go up and up and up. what is it going to take in your view to increase consumer sentiment, make people happier, make people more at lose? >> first one thing to understand consumer spending doesn't drive economy. it is reflection of the economy. if the economy is doing well, i-e, if people are earning more income, if gdp is increasing then people have more money to spend and more money to save. spending and saving are both good things and we shouldn't put them against each other. obviously getting to your question, is washington a hindrance or a help? as i said before i worry, and not just under obama. a lot of it began under bush as government played a bigger and bigger role in our economy. that is sort of throwing sand in the gears and making it so that businesses aren't, they don't feel comfortable creating jobs. individuals and households, they're not -- gerri: chilling effect. >> and then in the long run, it

we're, if we have european policy, i really many a afraid we'll have european performance. gerri: which is subpar, compared to, compared to our history. >> exactly. gerri: dan, thank you for coming on. >> thank you. >> we have a lot more to come this hour including good news ns for the millions at risk of heart attacks due to high cholesterol, a new drug. significant on edge as we await a grand jury decision on the michael brown shooting in ferguson. residents and business owners there bracing for the worst. one of those business owners joins us live from ferguson coming up. ♪

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gerri: as missouri awaits a decision from the grand jury on whether a ferguson police officer will be charged in the fatal shooting of 18-year-old michael brown, businesses are preparing for the worst. violent demonstrators looted at least 30 businesses in and around the area in the last few days. my next guest has had his shop ransacked by looters in august when all this began. joining me from ferguson is jan lalani. welcome. great to have you here. you're here by phone. we've been thinking about you

through all of this. what is the mood in ferguson as we await a grand jury decision? >> it is definitely a city on edge like you guys are saying. there are people from both sides. other people are scared what will happen. people are sick and tired of this whole situation. people are waiting to see what happened. gerri: in august when this whole thing happened. you were looted and there is video of your store being looted. what are you preparing now? what are you doing now? we look some precautions. we got plywood up on inside and bars up on the outside and put unbreakable glass in to kind of hope we could keep people out of the store after closing. then, just told all my employees they should be.

make sure they're on top of it. if there is big crowd outside gathering, close up the store as quick as possible and call the police. gerri: we're looking at pictures of your store way back on august 9th. the looting that occurred then. the governor there has declared a state of emergency. done it pretty early. people are wondering is that a net benefit to people like you, people who own businesses in ferguson? >> i don't know if it will be a benefit to business. i mean it's, we'll have to wait and see. i hope, i hope that people use more sense now and they, they really think about it, what they're doing. if they can't get anything good out of destroying their local business. so i hope that all that sufficient is out of, is over. and -- gerri: i saw, i saw pictures this afternoon on our sister network fnc showing folks taking to the streets. walking through the streets. and i know that some businesses

have been looted. is there anything like we saw back in august? >> not right now. i mean just a lot of people talking. i haven't really experienced any bad, atmosphere. people are just, kind of sticking to the, you want to call it, appropriate demonstrating but, i mean -- gerri: good. >> it is just a matter of waiting. >> a matter of waiting. you're an immigrant. your family immigrated from this country? >> yes. gerri: how are you and your dad holding up? >> it has been tough. it has been a tough couple months since august. we, our sales went down approximately 45 to 50%. there are just now starting to pick up again. we were actually hoping that nothing was going to happen because it has been a couple of rough months. >> and how much damage did you end up having from the looting back in august? >> i mean we got hit twice.

and, with everything, i mean, i can't even, with the damages on the two days was about $70,000. plus, i mean our sales have gone down 50% over 2 1/2 months now. so it is a lot of money. it is counting. >> wow. jan, our thoughts are with you over the next days. and possibly even weeks, i suppose. we wish you the best. please come back and let us know what is going on as soon as you can. >> thank you, guys. gerri: thank you. later in the show, ultimate safety nest net for you and your family. life insurance what you need to know before you buy. next being called a medical breakthrough. a new study showing a well-known cholesterol drug may lower the risk of heart attacks. details after the break.

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gerri: we have breaking news for you now. nation's top auto safety officials urging a nationwide recall of all takata airbags, all of them. national highway traffic safety administration pointing to a specific incident in north carolina. nhtsa says they will begin a process with both takata and automakers to force them to recall all affected vehicles. the nation's top auto safety officials are urging a nationwide recall of all takata airbags. we'll bring you every detail. more details on the north carolina case as well. on to health care, a major break through preventing heart attacks. a new trial find that cholesterol drug zetia reduces strokes and heart attacks. we have the author of the a new

book, dr. kevin campbell. i out you. you're taking zetia but you're not paid. >> i have no financial relationship. i take zetia and statin together and reduced my cholesterol. it works different way than statins. decreases absorption of cholesterol in the gut. statins stop production in the liver. gerri: totally different kind ever impact on the body. which do you prefer? which do you think is better? why do you think zetia is better? >> it may not be better but very good to use within the -- if you add a second drug you get enhanced effect. that is what we're seeing with set yaw and that is why that is so important? gerri: what about side-effects? >> i experienced no side-effects from zetia. statins have specific side-effects with muscle ake and weakness. set tia seems to limit those

side-effects. >> do you think people will go on zetia and statin? do you think this will change the way heart patients are treated? >> i think it gives us another arrow in the quiver to treat high cholesterol. people not at target with cholesterol with a statin, adding zetia makes sense. it lowers cholesterol and decreases heart attack. gerri: that is interesting. you have a book out on women and heart disease. we talked a lot on the show, women, hard to tell when they have had a heart attack even. tell me, if you would, what are the myths for women and heart disease? >> one of the biggest myths that heart disease is a disease of men. it is not. in fact more women than men die of heart disease in the u.s. today and that is around half a million people every year. gerri: when you experience one as a woman all the symptoms are different, right? >> men have crushing internal chest pain and radiation down

the jaw. women may have feeling of dread, anxiety, flue-like symptoms. very difficult to sort out. that is what my book is all about. how we do a better job to treat women. gerri: what would you tell women who might be concerned they have these issues? it is not like it is obvious. >> exactly. i you need to know risk factors. if you have family history like diabetes, high blood pressure and high cholesterol and experience odd symptoms. engage with a doctor that will take you seriously and do a stress test to evaluate you for heart disease. gerri: went through the main risk factors there. i would he prefer not to go on zetia. would i prefer to take care of it before that point. is it critical factor to make sure you take care of it early? >> i think it is. engagement of doctor and patient together to work toward the goals. we try diet and exercise for high cholesterol first. if that doesn't work, you need

to be on statin. if that doesn't control you add zetia to the mix. we have good data to show that it will help us. gerri: dr. kevin, thanks for coming on. good to see you. >> thanks for having me. gerri: as the government tries to pump up obama cay enrollment, we've been talking about that all week, a congressional investigation is uncovering troubling information about the government's medicare website. according to non-partisan government accountability office, the site meant to give medicare patients basic consumer tools fade to provide adequate info on out-of-pocket costs and quality of care. the report find critical weaknesses in five consumer information websites run by the government, centers for medicare & medicaid services. coming up we answer the question how do you do that with advice on life insurance. the end of the year doesn't just mean holiday celebrations, time to get your finances in order for 2014. that my friend means facts. we're keeping close eye on senate floor as they're slated

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we understand the connections of a complex, global economy.f r mutual funds beat their 10-year lipper average. t. rowe price. invest with confidence. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. gerri: don't let taxes steal your holiday cheer. we have important tax tips for handling your portfolio that has seen some substantial gains this year. tracy byrnes is a former accountant. she knows what you need to know. tracy. >> gerri, here's the thing. you probably made some money. you probably sold some stuff and have gains. you don't want to pay tax on that. you're paying upwards of twept 3 percent thanks to obamacare. you have to generate some losses. be very careful. you might have positions that have losses that you really want to still hold. the irs is on to you.

if you have a stock. let's say you buy it on monday at 10:00 you sell it on tuesday for $8. two-dollar loss. i'll buy it back on wednesday because i want it in my portfolio. no way. you cannot take that loss on your tax return. it's the big rule. but you have to pay attention to it. they will disallow your losses. then you're owing tax and you don't want to do that. gerri: a lot of people have owned stocks that were in an m&a deal of sorts. >> it's all about substantially identical stocks. stewart varney, if you own a loser like microsoft and you want to stem cell it and you want to buy back another tech like apple that's cool. they're not substantially identical. you can't own an s&p 500 fund in the toilet and go buy another. the irs will say, that's not good either.

here's the merger thing you brought up. you have two stocks talking mergers. one of them is a luresser. you sell it and buy back the other side that's up. the irs will say no, you can't do that either. you have to wait 30 days. gerri: is uncle sam really watching. >> if you put on your tax return, then, yeah, buyer beware he will probably check your capital gains schedule line by line. people like us, you should be careful and check with your accountant. you have to be smart enough to say if i sell this loser and buy it back, will i have a wash sale issue here. gerri: it can affect you. thanks for coming on. and a programming note for you. we'll have much more on year-end end financial moves throughout december with our week long users guide that starts december 8th. you won't want to miss that. and we're continuing to

look out for your wallet tonight as we break down the countless offers and advertisements many of you receive all the time. life insurance. do you really need it? how should you go back picked the right policy to begin? michael, editor and chief for creditor.com. it's great to have you here. welcome. so there are all kinds of insurance policies out there. they all work different ways. what's the first thing people should consider? >> well, you really want to get out of life insurance. for a lot of people, life insurance is all about paying for a specific thing. like a funeral. so you don't want to leave anyone burdened by funeral expenses. if you have credit card debt, you don't want anybody to inherent that. if you want to leave them an estate, but you don't want to pay taxes on the estate. some people want peace of mind. they want to take care of their family. that's where it gets complicated. gerri: you want more money than just replacement income.

people try to replace five to seven years of income so people can get over that hurtle. let's talk about the types of policies out there. i know it's very confusing for people because many of them have some investment component. there's whole life insurance. there's term. most people that i know recommend term because it's not an investment product. tell us the different between the two. >> so term life insurance is a set amount of insurance that you get that lasts. [no audio] $500 a month for a million dollars of coverage. it will stay that way for 20 years. if you die within that period of time, you will get paid. whole life insurance is a bit different. so that -- in that case, you're paying into an investment fund. and it's usually much more expensive at the beginning. you're paying into this investment fund and then over time -- gerri: let me tell you, it's four to five times, maybe ten times more expensive because isn't it because you're buying

an investment instead of just life insurance. >> that's right. you're buying an investment. the idea is that that investment will grow. the interest on that investment will pay for the life insurance basically. >> what i understand, there's lots of commissions for eager insurance agents to sell these policies. they get pushed hard. a lot of people end up with these even if it's not the right fit for them. >> there could be an ira out there that could be a much better retirement plan for you that has less fees. it's just a better idea in general. it's important to speak to someone who knows your situation. gerri: let's talk about basics here. who should have coverage? how much dubai? >> again, it depends on your situation. a lot of people want to replace that income. if you're the main breadwinner of the family, and you know that if you were to die, your family would be left without a way to survive, you have to plan for that. it could be you have a kid or more than country

kid that has to go to college. you have to plan for that. it could be you want to pay off the house and you don't want anyone to be saddled with a mortgage. all these things play into it. you have to crunch the numbers. there are good calculators online. we have a variety of calculators. gerri: okay. so it's up to you. it's your choice. pretty much baseline, if you have a family, if you have kids, you probably want to buy life insurance. and maybe you get it through work. >> that's a good point. gerri: but you have to have something. >> you have to have something. absolutely. gerri: great stuff. thanks for coming on. appreciate your time. check out the calculator at credit.com. time now for a look at stories you're clicked on tonight. toyota about to embark on a new product. emission free hygiene free vehicles. it will begin to sell fuel cell cars in japan next month and in the us next year.

the toyota ma rye will retail for $58,000 and only a few hundred will be made. (?) stocks higher again today as the market moves further -- japanese markets helps with our gains. the price of oil fell to about 75 bucks a barrel. and things are getting complicated for uber in nevada because of a highly regulated taxi industry. meanwhile, reports today the ride sharing company plans to fire back at its critics by probing into their public lives and publicly shaming journalists. the ceo apologized for those comments later in the day. the federal agency ensuring pensions it has run up a deficit. the pension benefit guarantee has run shortfalls for 12 straight years. the deficit tops $62 billion. the agency says without changes, the program will be insolvent within ten to 15 years.

those are some of the hot stories right now on fox business.com. for financial help here from one woman who paid off her student loans on a 30,000-dollar salary. we're about a week away from busiest travel days of the year. we'll have tips. stay with us.

gerri: okay. more details on that breaking news coming out of takata, the nation's top auto regulators urging a recall of all air bags. the recall had been limited to hot and humid regions and cars made by ten automakers. now, the takata air bags can explode sending shrapnel throughout the cabin of the car. they're urging a nationwide recall of all takata air bags.

nhtsa says. vehicles made by honda, ford, chrysler, and bmw are affected. we reported here last night that honda expanded its takata recall to cover the entire country as well. takata a big maker of air bags. as much as 20 percent of the market. we'll give you the latest details as we get them. western being pummeled with snow from a storm dumping 4 inches of snow an hour. a region used to snowstorms, this is the worst in recent memory. a closer of 123-mile stretch of freeway. troopers using atvs to deliver blankets to motorists who have been stranded. the snow is expected to continue until tomorrow afternoon. that's a lot of snow. the kick off to thanksgiving travel say week away. more americans will be boarding a plane to

spend time with family and friends this year. here with his tips to keep your holiday travel stress to a minimum. mark murphy. let's talk about flying to our destination this thanksgiving. what's the best day to fly. >> any day other than wednesday or sunday to be frank. those are the worst days. if you haven't booked yet, you will pay a hefty premium. you'll want to get out on thanksgiving day or wait until saturday to leave. but you'll be hard-pressed to find a deal at this late hour, if necessary. gerri: i watched those prices climb myself as you got closer to the holiday. how many people will be flying. >> close to 25 million is the estimate at this point which is a huge number. people traveling by air. so a lot of people crowding the airports. a lot of people crowding the skies. because the airlines haven't expanded capacity to keep up with

demand, that's why you're seeing those prices continue to climb. they continue to go up especially during these peak travel periods. gerri: 1.5 percent of people flying this year than last. are consumers just opening up their wallets. have the prices come down. okay. the prices haven't come down. right? >> what it is, we perceive travel as a right. travel is not a luxury. travel is go we have to do. and because of that, more and more people have access to travel. they have been traveling now for years. and travel can be budgeted at any level. it's not just for luxury, and it's not just for hostels and backpacking. it's everything in between. anyone can afford to save up and get away. for our mental health, i think we all have to do that. gerri: we have to do something something for our mental health. we've seen oil prices fall through the floor.

what haven't fallen through the floor is my airline fare. what's going on here? >> it's called the airlines are making a lot more money thanks to the oil drop. so thank you opec and everybody else because it's really boosting the bottom line to the airlines. you know, what's happening is the airlines have gotten really good at maximizing profits during hard time because they've gone bankrupt so many times and lost billions and billions of dollars. now, they're making the money. holding the lid on capacity. they're driving up the base fares. we continue to see fares and fares rise. i don't see that changing until the new planes come online. as those come online you'll see more competition on roots. as more competition heats up, you'll see prices potentially stabilize and potentially go down. gerri: us airlines burned through 311 million gallons of jet fuel a week. lower fuel prices is

saving them $31 million a week. all i'm asking is 50 bucks. you know, like just a little lower here, mark. >> well, you know what, as long as there is the demand. we love capitalism especially on fox business. with capitalism in our eyesight, we want them to basically max that demand with that supply. you know what, people are willing to pay it. you and i are willing to travel, they're going to continue to collect that. gerri: thanks for being with us. we want to hear from you. here is some of your emails on how the government they continue to do the wrong thing. hue from hawaii writes: even though the approval numbers for obama is low, they're way to high. most people who approve are not able to name the vice president. as i've said for years to err is human, but to really screw up, let the government run it. here's maryland from

massachusetts: gerri i love your show until lobbyists are banned from washington the politicians will be bought and pay for. and these lobbyists pay both parties so they can't lose. that's absolutely true. and still to come, my "2 cents more." up next, one woman's remarkable story, how she paid off $28,000 in student loans in three years on a 30,000-dollar salary. there she is right there. of course, we're watching the senate floor as they continue to debate the keystone pipeline with the vote to come up shortly. you'll want to stay with us. keep it here.

gerri: we want to bring you a truly inspiring story.

as you know, many college grads struggle to pay back huge student loan debt. one person has bulged down and taken matters into her own hands. she vowed to pay off her 28,000-dollar debt in three years and on a 30,000-dollar salary. how did she do it. zina could you tell me okay. you know, i've been on your blog. it's an amazing story. tell me how you decided to do this in such a short period of time. why did you make this decision? (?) >> basically, when i got out of school after not paying attention to finances in college. whightsd my first job and i finally saw what my salary was going to be and what my phone payments would be, i realized i couldn't imagine paying that for ten years. i hated making that payment, seeing how much went to interest. i was already dating my boyfriend at the time. i knew if i got married,

my debt would be his debt. that bothered me because he didn't have any loans. i just put any extra money i had toward this. i'll just throw it all toward my loans. gerri: what i think of a momentous decision when you're earning $30,000 a year. i want to show how you line up to people out there. 44 percent of student loan brothers are not making it. the average person have about 29,000 in debt. about your ballpark. how much did you pay on this loan you? really upped the ante, you paid more than you had to. >> yeah. i think what really discouraged me at first was seeing how much went to interest. so the first year, i still kind of figured things out. still trying to save up. i only paid 360 a month. my minimum was 350 a month. the second year when i got a different job, i

paid 750 a month toward my loans. this past year, i've been paying 950 a month which is about half my take home salary. gerri: so basically you switch jobs. you decrease your living expenses. obviously, you're tracking interest payments and trying to pay as little as you can. and just not spending money. as a matter of fact i was reading your blog, and you were talking about how it turns out, i don't really like spending money, you say at least not for the sake of it. you're the only human being i think i've met in your age category that feels the same way. do you feel like you're a loaner. do you feel like you're different from people in your age-group? >> i feel like it's just so easy to go out there and spend money. if i grocery store shop at target i have to walk past the beauty section, all this temptation to get to my groceries. what the past three years have taught me is

that i can spend money on paying off my loans. if i want to buy something, it has to be something i really love. because i don't have that many resources. so i really learned to -- yeah, so i've learned to spend money on what i want to get. gerri: so was it all ramen noodles? how did you make that work? you had no wiggle room whatsoever. >> no. i don't think i've ever had ramen actually. despite people suggesting that. i was just really deliberate. if i had freelance income or birthday money, i put it toward my loans. i mean, i tried to eat healthy. i have a gym membership. so i didn't deprived myself. i still traveled and got to see my family. it was prioritizing. this is worth it. this isn't. maymaybe i can't make that trip. but i will do what makes financially. but i'll enjoy my life

as much as i can. gerri: it's impressive. here in new york city, we couldn't believe you could pull this off. part of what was going on, frankly is that i believe you're in indiana, and your rent was lower than what people here would pay. you were living in a low-cost area. tell me what your monthly costs looked like. >> so the first year, i was paying off my loans. i was living by myself. paying 550 a month for rent. second year, 625 on rent. which is i feel like is high. then finally moving in with my fiancé and a friend of ours, paying 266 a month. which is less than i think most people do. i know a lot of people who have roommates here. i think that makes it so much more feasible for someone to pay off this amount of loans. gerri: i think you developed habits that will serve you well for a lifetime. i hope you come back sometime.

i want to hear more about what you're doing. you're most welcome. we all know people talk and drive and text and drive despite all the warnings, but there is a growing trend of an even more dangerous behavior. the amount of people surfing the web while driving has doubled. when asking about reading email hipped the wheel and reading social media all this while the number of people talking and texting while driving is decreasing. that could be because of laws banning those actions, but according to usa today no state prohibits all cell phone use behind the wheel. although that's a very contentious topic. the keystone pipeline vote is going on right now. stay with us. critical vote coming up.

gerri: that vote on the keystone pipeline just getting started. we're watching that tally. senator johnny here a short time ago predicted

it would pass with 61 votes. the debate is over. the votes are going in now. the president likely to veto. and we will continue to follow this. charles i payne coming up with the all details just minutes away. charles: i'm charles payne and you're watching "making money." big breaking news tonight. the keystone vote happening now just moments ago josh earnest indicates the president will veto the keystone bill. not surprising that obama will let this bill die on his desk. rich live on capitol hill with the breaking news. >> well, charles, it has to get there first. this vote needs 60 votes to get it through. they had 59, lacking one more vote to get this through. there's plenty of last minute persuasiveness that happens in the us senate. it can be held much longer. we're watching if they can get the one more