order. david: all right. jamie dimon one of the best there is. charlie says by far the best there is. >> he is. david: charlie gasparino. thank you, larry shover. "the willis report" is next. liz: have a great night. gerri: mellow -- hello everybody, i'm gerri willis. this is the "willis report" the show where consumers are our business. when will you get your refund check? it is tax season again. will we see repeat of last year's delays. >> due to high demand you may experience longer than unusual wait times. gerri: so what is the deal? we'll get the straight answer. he has been called an unaccountable czar by some and fierce defender of consumers by others. the head of consumer financial bureau richard cordray is here. is he a force for food or in the immortal words of ronald reagans something else. >> the nine most terrifying words in the english language are, i'm from the got and i'm here to help. gerri: another obamacare baste

and switch. a top health care advisor for the president does a big flip-flop on one of the law's biggest. breaking up can be hard to do especially running a small business. how do you make your business succeed when your marriage fails? we have answers. if you think the airlines are screwed up wait until you meet the man who flew home alone on an empty plane. all that and more on "the willis report," where consumers are our business. gerri: we begin tonight with your tax refund. for the past few years you probably know the irs has had delays processing tax returns right? and therefore your refund was late. we're attacks season once again. this year when will you get your refund check? will it be on time? let's get answers from the resident tax expert, dominic tavella. great to have you here? >> the irs is saying we're on

time. we're starting january 20th. you get your return into us then. how fast can i get that refund check? >> let's start with, there is a hoax, a falsehood on the internet, god forbid, it is all true, read it on the internet, says that the irs is not sending out refund until october 15th of this year. gerri: october? >> that is completely false. the irs is denouncing that it will not happen. realistically if you do it correctly, expect refund, filing early 10 to 15 days. gerri: 10 to 15 days. >> it could happen even quicker. >> there is detail here, right? it is not just filing but filing electronically. >> it depends. it depends. there are three criteria here. gerri: doesn't filing it on line make it faster? >> here's the fastest way to the got refund. you need to file online. file electronically. if you use a paid preparers in today's environment almost all paid preparers file things electronically. that will speed up things.

second how you want your refund, if you want it electronically deposit, quarters. do you want your refund automatically deposited in the checking account quick right? if you want a paper check, it has to get mailed out. the snail mail delivers it to your house. you have to deposit it. wait for it to clear. the third criteria, are you going to file early at the end of february, or are you going to file april 15th? big, big difference in from a timeline. gerri: earlier you go, the better off you are. >> earlier. gerri: when do people start getting w-2? >> this is sign of caution. the irs is saying january 20th, we're ready here, let's go. you know what if you have a w-2, simple, no dig deal, go ahead and file. if you have a brokerage statement, other financial statements you can't really file. you have to wait for those documents to come in. gerri: that stuff comes in late. >> always comes in late. in some cases, march is ath, okay? -- 15th. you can't file if you want to. here is the kicker, because of

tax law changes most of these had to be corrected. you got your 1099 january 30th, all of sudden month 1/2 later you have to corrected one in the mail you have an amended tax return. gerri: one of the reason forms are late, obamacare rules. it was super complicated. it changed everything. it changed everything with your broker. it changed the irs. >> in all fairness to the irs, the last two years congress and the president changed tax laws at last minute. they had to go in to change all their systems, their forms, the preparers. tax software had to be updated. all of sudden everything was on hold. we think this year should go further. we still have to deal with obamacare. gerri: any sign maybe audits will be down penalties less? is there any good news out there? >> i don't know if this is good news, but the commissioner of irs testified in front of congress, because they now are responsible for helping to comply with obamacare and, congress cut their budget $350 million. they're claiming they're not

going to have auditors or enough extra overtime to go out there and do audits. so there could be a side-effect of congress cutting their budget there won't be as many audits going on. gerri: something to look forward to. i know you will have a busy season. great to see you. >> have a great day. gerri: all right, just a reminder for you out there thinking about tax filing season, don't get a refund. you're giving a free loan to uncle sam. he doesn't pay a dime in interest rates right? i do it too. we want to know what you think. here is our question tonight. are you expecting a tax refund this year? log on to gerriwillis.com. vote on the right-hand side of the screen. i will share results at end of tonight's show. tomorrow we're going straight to the source and talking to h&r block's president and ceo bill cobb about tax season. you won't want to miss that. taxpayers not only ones getting the squeeze tonight. oil drillers responsible for america's energy boom are getting flooded out of the market by who?

nobody else but opec. prices plunged overnight to 44 bucks a barrel after opec continued a price war with the u.s. and refused to cut back production. can u.s. drillers survive these low prices? we're asking phil flynn senior energy analyst for the futures, price futures group that is and a fox news contributor. phil always great to have you here. seems like every day i'm reporting another six-year low on oil prices. it just goes down, down, down. >> right. gerri: why is opec going along with this? why aren't they trying to manipulate the market to get prices to go higher? >> i think you hit the nail on the head in the intro. they want to bury the u.s. shale producer. it is funny that they're not even trying to hide that fact. there is no politically correct talking about it. not only saudi arabia made it very clear they will continue to pump oil. they're going to maintain their market share the united arab emirates basically came out and

today said listen guys, we can do this a lot longer than the u.s. shale producers. we're in it for the long haul. we'll do it five years. let's see if you can. gerri: there is fallout obviously for american produce is. we're losing jobs. shell slashing five to 10% of jobs. rigs down to 2010 levels. at what point does our production go down overall in this country. >> believe it or not it will not happen this year because there are a lot of rigs in the ground. we'll actually see production this year exceed last year's levels. the sad part about it, it should have exceeded it by a lot more. the demand growth should have been there. and if you look at what's happened, it is really doing some long-term damage to the economic recovery because once the economy gets going they will be looking for more oil supplies. it will be harder to find with the cutback in u.s. production. gerri: you think it is hurting the economic recovery now? >> i think it is. i mean -- gerri: aren't we seeing this,

the impact of lower gas price on our bottom lines not just in households consumer households but also for companies? i definitely see that is a short-term impact but definitely hasn't filtered over to the stock market, has it? it has not inspired confidence. we've seen a lot of volatility in this marketplace even though we get a short-term economic boost from the lower gasoline prices, you know, the last time prices fell like this, it was signaling the great recession back in 2008. gerri: right. >> and when prices fell then it didn't, it didn't put more money in our pocket but it didn't save our jobs. that is the concern here. listen, as far as i'm concerned about this price war, it was a sneak attack by opec. they came up, almost like in the middle of the night, they attacked their producers. we're taking a lot of casualties. we had the first bankruptcy of a shell firm. could be more. banks are freezing up credit. i think this is their last hurrah. if they don't win the war opec,

i don't think they will over the long run, i think this is their best chance to control the market. i think they're going to lose but before the war is over, it will be a long and dirty fight. gerri: interesting. prince al-waleed telling our own maria bartiromo that we will not see 100-dollar a barrel prices again. regular average gallon of gas $2.12 in this country. phil, thanks for being with us. good to see you sir. >> i will fill up. thank you. gerri: we have more to come this hour including how our "willis report" cash challenge is helping a couple go on their dream vacation. they saved up for it the hard way. next remember the white house used importance of preventative care in its sales pitch for obamacare? so why is the obamacare czar advising people to skip their annual physicals? details coming up after the break. ♪

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gerri: if you're one of the who made a new year's resolution to be healthier this year, you may be one of estimated 45 million americans will head to the doctor's office for annual physical maybe january, maybe february. but now a key architect of obamacare challenging that idea saying, in a recent "new york times" op ed naturally, not having my physical is one small way i can reduce health care costs and save myself time, worry and a worthless exam. worthless? dr. kevin campbell joins me to discuss. so the guy who advised obamacare believes that annual exams are a bad thing. how can this be? >> you know it is interesting. when he was pitching obamacare he said that every american need access to an annual physical exam and it should be for free. yet now he is saying based on a database study from 2012 that they don't make any difference in mortality.

gerri: but, isn't it all about preventative care? if i see a doctor once a year he might tell me about things that are going wrong with my body i can try to work against lose weight, eat healthier? my goodness, seems ridiculous to suggest that people shouldn't have a relationship with a doctor that they see on a regular basis? >> that is spot on. gerri, we need to have a relationship with our doctors because, dozens of studies have shown when we engage with our health care provider and engage in our health care outcomes improve. annual physical exam is time you meet with the doctor, set goals for the year and decide what things you will work on together to better your health. gerri: oh, my goodness that is appalling, all that working together and actually spending money. he is worried about overdiagnosis, too many tests that are prescribed by doctors overtreatment and costly tests but isn't that what health care is? you give us tests to make sure we're okay? >> so what i always teach medical students and residents that work with is just because

we can doesn't mean we should. meaning that if we have a good reason to order a test based on my conversation and physical exam with you at that annual physical we'll order that test. i don't like the idea of just shooting a wide net of random tests to see what comes back. gerri: i think a lot of doctors do it because they're worried about getting lawsuits. they want to rule out absolutely everything. i mean, i think what ezekiel emanuel is saying is ridiculous but how do we stop aing for those tests we really don't need? >> i think as a patient you have a right to understand what your doctor is thinking about, why they're ordering what they're doing and most important question, you need to ask doc if we do the mri how will it change the way you treat me? if it can't answer that question maybe you need to. it shed tell you go to the left side or right side of that crossroads based on that test. gerri: give me idea of screenings that would be normal and useful. >> i think high blood pressure

screening. checking your cholesterol every year is a reasonable thing do. i think if you have a family hit of diabetes or other types of problems like that, taking a blood chemistry. not just ordering tests to order test like chest x-rays and things like that. maybe sure there is something on physical exam and the history that will lead to you treat the patient differently. gerri: i'm sitting here thinking ezekiel emanuel in another place, says he wants to die at 75 had a good life. might be good for him. maybe the rest of us don't want to play along right? >> exactly. it was interesting he wrote another op ed in the atlantic last year and he was comfortable dying at5. was no longer going to the doctor, get immunizations and get flu shots things like that. that concerns me, here is a guy who drew up obamacare along with gruber, and now saying we shouldn't take care of folks older and more money. gerri: check back in with him at 75. we'll see how he doing. >> thank you.

>> richard cordray director of the consumer financial bureau here to talk about the cfb's new tool to help buyers find the best mortgage rate. the price after uber ride can ride up to seven times the normal fare. the company says this is a good thing for consumers. we'll find out why. we want to know what you think. tweet me @gerriwillisfbn. or go to our website, gerriwillis.com. we'll be right back. ♪ if you're taking multiple medications does your mouth often feel dry? a dry mouth can be a side effect of many medications. but it can also lead to tooth decay and bad breath. that's why there's biotene available as an oral rinse toothpaste, spray or gel. biotene can provide soothing relief and it helps keep your mouth healthy too. remember, while your medication is doing you good, a dry mouth isn't. biotene, for people who suffer from a dry mouth. want to know how hard it can be... ...to breathe with copd? it can feel

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gerri: uber, you know uber they're growing in popularity and controversy. the price for the car service can skyrocket during times of heavy demand. uber is defending their price, surging price, saying it is good for consumers especially in

cities like new york where cabs can be hard to get sometimes. with more on this new york councilman, david greenfield. great to have you on the show. so i want to read this quote from uber the car service which can pop their prices up. i mean we say seven times but more than that. just based on demand. here is what they say. uber's dynamic pricing model benefits consumers and drivers. do you agree with that? >> benefits consumers if you like to get ripped off. moist new yorkers and most americans don't enjoy getting ripped off. that is what effectively surge pricing is. it is fancy word for price-gouging. gerri: a fancy word for price-gouging, we see people say we are charged $250, $300 for going across town here in manhattan. how can that be? how is that logical? >> it is not logical. we don't think it should be legal. if you remember the reason we regulate the whole taxi industry we're trying to get at three things. we want safety, so we want cars

to be licensed and make sure there sin insurance of the we want predictability. so that way when you hail a cab you know how much it will cost to get across town. and you also want to prevent price-gouging. if i walk out of the studio and say, hey taxi, take me to the airport, the cabbie says, when is your flight, he says 30 minutes. 500 bucks that can't happen. effectively uber is getting around all of these issues where they're using a loophole to charge you unlimited amounts of money to take you across town. gerri: here is my problem, surge pricing. you will run a service, all based on how much demand there is for your product. so the more demand, more price goes up. don't see the model works in the opposite way which is to say it goes down dramatically. if i'm traviesaing at 3:00 or 4:00 in the morning, no one on the street, uber will charge a minimum, a base right? >> absolutely. they want to compare to dynamic pricing. you hit the nail on the head because it is not true. for example, if you book a hotel very early eight months in ad van get a real good deal.

if you wait until the last minute you get less after good deal. but that doesn't work in the case of uber. when you order the car at the they're charging you a premium if it is surge pricing they can legally charge you in new york city up to 15 times more than they would charge for a taxi ride. gerri: wow. and, look i think uber is a great idea. i love to see on the ons do their thing but, you know, some of the stuff is just ridiculous. i want to mention as you go maybe comment on this, there was uber chopper last night at the buckeye game, the bucks and the ducks. 350 bucks to avoid traffic. would you let that happen here in new york city? >> you know it is funny because i actually mentioned yesterday at high hering that to -- my hearing, is charging as much as a chopper ride. we're not trying to put uber out of business. all my law would said surge pricing to 100%, not 1500%. that is not fair. gerri: great to meet you david. thanks for coming in. later in the show we'll

answer the question how do you do that? what to do when divorce threatens to break up a family business. nearly half of homebuyers do not shop around for mortgages. next richard cordray, director of consumer financial protection joins me how the agency plans to do just that. but i'm a bit skeptical of sure things. why's that? look what daddy's got... ahhhhhhhhhh!!!!! growth you can count on from the bank where no branches equals great rates. she's still the one for you. and cialis for daily use helps you be ready anytime the moment is right. cialis is also the only daily ed tablet approved to treat symptoms of bph like needing to go frequently. tell your doctor about all your medical conditions and medicines, and ask if your heart is healthy enough for sex. do not take cialis if you take nitrates for chest pain as it may cause an unsafe drop in blood pressure. do not drink alcohol in excess. side effects may include headache, upset stomach, delayed backache or muscle ache. to avoid long term injury, get medical help right away for an erection lasting more than four hours.

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so ally bank really has no hidden fees on savings accounts? that's right. it's just that i'm worried about you know "hidden things..." ok, why's that? no hidden fees from the bank where no branches equals great rates. gerri: welcome back to to the willis report. richard will join me. it's time for a look at other stories in the news. a new senate bill is trying to stop president obama's ability to transfer terror suspects out of guantanamo bay. the groups of republicans supporting the bill is calling for a time out for releasing detainees in light of the terror attacks. they have ties to -- the wall street journal reporting how they have businesses to payday

lenders. he said he didn't control these companies. facebook posting amber alerts starting today. if a child goes missing in your area, the social media site will put a notice on your news feed along with the photo of the child and the location of a possible abduction. congress is getting richer. a new report finds the medianneth worth of lawmakers was just over $1 million in 2014 despite american's median income down 43%. congress' net worth has surged 28%. those are some of the stories in the news tonight. the cfb, you've heard of it. right? it was born out of the 2008 financial crisis. a new way for the federal government to keep an eye on banks credit unions and all kinds of lenders on your behalf. it's been controversial from the support.

supporters of the agency say it's now hitting it's stride. richard joins us from washington. welcome. great to have you here. i want to start with this new program you have out today. you conducted a survey with mortgage lenders. consumers by and large 48% don't compare offers when they get a mortgage. you're launching a new tool today. do you think this new tool will help you solve this problem? >> nationwide survey much mortgage borrowers. we found half the people do not shop for mortgages. they spend a lot more time picking out a house than the right mortgage. it's a shame. they can save a lot of money by shopping around. it could mean $60 a month. adding to $3,500 within five years. we want people to be more in a position to look around and find the best deals for themselves on the

mortgage. gerri: let's break that down. i want to show those numbers. exactly what the financial benefit can be if you can bring down that mortgage interest rate. let's say you're shopping for a 22,500-dollar mortgage. thirty-year mortgage. if you have a high rate of interest. i'm showing you the interest rates right now, you'd be paying 5500. over 30 years, 23,000-dollar interest. that's just a half percent. (?) now, richard one of my questions about this program. i think your motivations are right on, showing people how to get the best mortgage. there are a ton of websites already out there in the private sector that do the same thing. how is yours different. >> they often take the average consumer and try to put them in the best light possible. so they give you a big down payment and a high credit score and that isn't reflective of what a lot of people's situation are.

they find that the rates are misleading or surprising to them. what we have here on our owning a home tools on our website at consumerfinance.gov. we're taking the information to make it available to you. so you can see what rates should be offered in your area. that's a neutral and unbiased source so people can feel confident for shopping for a mortgage. they'll save a lot of money and make better decisions for their families. gerri: i mentioned your agency has been somewhat controversial in the washington post just out with a long story on what it's been like inside the doors of the cfb. here's what they had to say of public citizens. he says your typical mediocre agency has been around for a while. has certain bureaucracy traditions set in. the cfb version is more like a faculty meeting all jumping all over each other. i was wondering, how did

you react to the story? they said there's been a lot of turnover and turmoil behind the doors. >> i think that's very overblow. we're a brand-new agency. things aren't perfect. it's a great place to correct with. it's to help individual americans to be in a position to empower themselves and improve their financial lives. we do that every day. we've done that in the mortgage markets and in other markets as well. the opportunity is for average households to see that they can be treated fairly in the marketplace, that they can understand better the choices they're making and they can end up making better choices that they can live with with their families over the course of their financial lives. that's a good thing. gerri: it is a good thing. there are a lot of people in the private sector that do a lot of things. a lot of advice. much of it good. often online. and free. before you go, i want you to respond to

something that the ceo of jpmorgan chase said today. he was talking about the burden of regulations. listen to the jpmorgan ceo. >> will 2015 be any different given we got these proposals from the federal reserve which puts you on the high end of federal capital? >> not really. we'll do exactly the same fortunately. thing. there are things that might make it worse or better. the g50 capital there are other constraints. capital constraints. all banks operate under one constraint or another. it isn't quite clear they'll be -- i do think stress testing is absolutely critical and an important thing to do. gerri: that was jamie dimon talking about the burden of regulations particularly from dodd-frank. i think it's had a chilling effect in the lending industry. how do you balance those

two things? the burden of regulation with getting what you want to consumers? >> so, first of all, i don't want to mix apples or oranges. nothing he was referring to there had anything to do with the consumer financial protection bureau. what we're doing is we're putting common sense measures in place to protect consumers in these markets, see that they're treated fairly. that's what we should all want. and also, to see to it that consumers are in a better decision to make decisions for themselves. you mentioned there are folks in the private sector that offer advice as well. they do. but if you go to the internet and look for advice what you'll find the first couple hundred things you'll find, people are selling products. we need neutral unbiased advice so people can have confidence. so they can make the best choices for themselves. they bear a responsibility for them. if they know more and have more confidence, they'll do it more effectively. that's what we're trying to achieve. gerri: thatthank you for coming on

the show. pleasure having you. family businesses, they play a vital role in communities and the economy, in fact according to the us citizen successesus -- joining me access wealth management financial planner frank. welcome to the show. terrific to have you here. i have to think this is common. i know so many couples who are in business together. you have to wonder how come and is it that people then actually break up. >> well, if you look at the numbers gerri like you mentioned if there's 3.7 million husband and wife businesses. we know the divorce rate is something like 50%. so that's over a million break ups of business in the pipeline. gerri: it creates so many issues. do you keep the business? who gets it? who runs it? where do the assets go?

what kind of advice before all this happens are you giving to clients and your business? >> we're advising people not to be so busy and get caught up in the day-to-day operations that they necessity neglect to do business planning. what would happen in case of a divorce death, dissolution of the business, they have to look into how divorce would impact that business. gerri: so are you talking about the preup in or more than the preup in. >> we're talking about more than the preup in. we would consider it more of a business preup in that the husband or wife have to say look, we have a preup in. we have to look at what would we do in the case of this business splitting up? gerri: how do you bring up the topic without offending your spouse? >> it's a sensitive subject. but you may want to blame your financial planner such as myself.

gerri: okay. let's move on to advice. because i think what people really want to know is if i find myself in the situation. we have a business. we're getting a divorce. what steps do you need to take? >> well, once the divorce is immanent the most preferable outcome is that the business keeps running as it is. unfortunately, in most cases, the husband and wife are not really getting along too well for some reason. and they don't want to see each other in the morning until 5:00 p.m. so barring that, the next most common solution is to engineer a split up of the business, with all the ancillary questions and problems that brings up. gerri: i think your best advice is to plan ahead. my goodness, that's a very long list of to-dos if you find yourself in the middle of that. great interview. thanks for the information. and coming up, the latest on pro isis supporters hacking the

twitter feed and youtube account for the us military command. and it's quickly becoming the norm to fly in a jet pack airplane. so imagine one man's surprise to discover that he and just one other passenger were the only people on board. he's here to share his story coming pick up. here's your consumer gauge with the numbers that mean the most to you. we'll be right back.

gerri: we have an update on that cyber attack we broke to you yesterday. the us central command's twitter account breached by isis supporters. it's up and back online. centcom's latest tweet calling it an act of vandalism. the government views this as little more than a prank is government downplaying the threat? we're asking bill johnson from ohio.

congressman, thank you for coming on the show. it's great to have you here again. i believe we've had you before. so this language that it's a prank. it gets under my skin. what's your reaction to that? you're an it professional. you've worked in the business. >> i certainly wouldn't call it a prank, but let's put it into context. the folks who conducted this hacking operation they did not get inside of centcom's classified or unclassified networks. gerri: right. >> and they didn't get to any government files. this is a twitter account, much like you would set up or i would set up. but here's what we have to understand. we need to be taking cyber security very very seriously across-the-board. if we don't understand how seriously damaging it would be for our adversaries to get inside of our national security networks our governmental networks, even our commercial networks like energy and health care and financial, it could be economical devastating and ripple -- gerri: but congressman johnson

what does it tell you -- i realize twitter is not essential. the governments aren't whispering to each other over twitter and giving away our secrets. but how concerning is it to you that hacking twitter for centcom was an easy thing to do? >> well, you know, when i was first elected in 2010 my twitter account got hacked and i'm a member of congress. right after we came into office. i don't know if you remember that or were aware of that. and we had to launch an investigation here in the house to find out who did it. it's not that tough to do. and it is a public account or public network that's available to almost anybody. and information technology has gotten to the point to where if you know how to program in ones and zeros, you'll eventually find a way to get into almost anything you want to get into. it needs to be taken seriously. gerri: what should we be doing? changing passwords? what will it take.

>> in terms of twitter centcom has taken the right approach by making sure they do change their passwords on their twitter accounts frequently. and also reminding their people not to put any kind of sensitive information out in a tweet. most professionals in the department of defense know that. i know when i worked at centcom in 2005 and before that in us special operations command back in the '90s we all understood that and we got briefings on that regularly. i think they know that. and i think they're taking the prudent action, but we have to take cyber security very, very seriously. gerri: i have to tell you, when the president comes out and says the major thing we need to do is have companies report within 30 days there's already laws on the books all over the country. forty-seven states have rules already regarding that. it seems to me we're a day late and a dollar short. that's what my mom would say. do you agree? >> i think there are some behind the power curve. there are some companies and some agencies that

just don't understand the criticality of cyber security. they need to take it more so. gerri: thanks for coming on the show. good to see you. a brooklyn man got the ride of his life this week when he had an entire airplane almost to himself. no, he's not a millionaire just a lucky guy. his original plane got delayed. imagine his surprise when he got on his new plane only to find that the only passenger aboard he was the only one. a 79 seat jet. chris joins us with his story. how did this happen? >> it was one of the most unusual travel experiences ever had. my flight got canceled early on. i got rebooked on another flight. figured i would take that flight and be on my way back to laguardia two hours after. gerri: you arrive at at the airport, what did they say to you.

>> it was after my flight had been pushed back. i saw it was delayed until 1:00 p.m. i showed up at noonan noon, an hour before my flight. i hear them page my name. they had rebooked everyone else who had been on that flight with me on an earlier flight. and i was the only one left. gerri: and there there you are on the airplane. you're sitting in first class, it looks like. >> i had my pick of any first class seat. gerri: there were probably more flight attendants on the flight than passengers. >> two flight attends two crew. six of us altogether on the plane. gerri: what was your favorite part of the flight. >> it was just having the whole plane to myself, not having any crying babies. gerri: you reclined the whole way. >> as much as i could. took advantage of that. gerri: i don't know if you'll ever get to do that again. but it must have been fun doing.

chris, thank you. good to see you. and coming up later, my "2 cents more." and, next, one of our favorite couples from the willis report cash challenge. they have their dream vacation by saving money. they'll tell us all about it.

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something this important up to chance? [ male announcer ] remember, medicare doesn't cover everything. the rest is up to you. so, call now request your free guide, and explore the range of aarp medicare supplement plans to choose from based on your needs and budget. sixty-five may get all e attention, but now is a good time to start thinking about how you want things to be. [ male announcer ] go long™. gerri: i've been waiting for this segment all night. back in april we at the willis report started something we called the cash challenge. that's where we asked people to stop using credit cards and go cash only as a way of saving money and keeping your cash saved. accepting the challenge were this couple from colorado. here's what they plan to do with the money they plan to save from completing the cash challenge. >> we'll be going to south america. the plan is in december to early january.

that's a two-week vacation that we're really looking forward to. again, we have to save. this cash-only challenge will provide for that and help us achieve the goal quicker and more efficiently. gerri: and they were able to do it. caitlin and steven. welcome back to the show. great to see you guys here. thanks for coming back. caitlin, you start us off here. what have you guys been up to? >> gosh, gerri. we've just been so busy. we've been having a wonderful summer and great holidays. we just can't believe that the time has finally come when we get to go on our vacation. gerri: i was doing the math on this. i think your first appearance on our show was in april of last year. >> it was. gerri: how long did it take you to save for this vacation and you know, do you have a lot more savings hanging out there? where are you going? >> it did take a quite a

while to save. and we're still saving for it. but we're also blessed with a family member giving us a little money to the trip. that made it a lot easier. it was a combination of savings and also that gift to us. gerri: free money works for everybody. sometimes it's family. caitlin, where are you guys going? what will you do? >> well, we're going to chile. and we're going to santeeassistant --we're going to do our favorite thing. we're going to go backpacking for nine to ten days in the middle of nowhere at the edge of the world. we're super excited. gerri: cool. steven, tell me more about that. you've sent those pictures before of those backpacking trips. they're pretty elaborate. >> we have. and hiking is one of our passions. and we just love doing it. and after the show, we did a few more. and just preparing for

this trip, it's finally here. i can't believe it. gerri: it's where you hike for 14 miles. do i have that right? >> it's actually a mountain that's 14,000 feet tall. gerri: oh, my goodness gracious. i had no idea. the ones i hike are only 3,000 to 4,000. that's straight up. my thighs are hurting just sitting here. caitlin, what is next for you guys? you two have not just saved money. and i think that's important. but you really changed your conversation about money. you guys actually talk about money now. you're able to save together. is that still going on? >> oh, absolutely. i think the greatest thing we have going for us right now is the fact that we still use our budget. we're using it fervently. it allows to us discuss things. and we're excited about the future and where our finances are going. we feel in control and it's great. gerri: steven, i think you're back on the credit cards but

the reality is, you're using them in a different way than you used to. tell us about that. >> we certainly are. we didn't go back to credit cards. we were a little bit concerned with using debit cards and if anything happens with the debit cards getting hacked or broken into that our accounts -- our money would be vulnerable with credit cards being a little more freeing in that way. gerri: there is more protection. >> yes. we've gone with it. but we're still managing our credit cards just like we would with cash and keeping everything buttoned down with that. it's been great. it's still continuing on even if it's with credit cards. gerri: great to see you guys. young couple making all the difference in the world with their habits. thanks for being with us tonight. good to see you guys. have fun on your vacation. of course, we want to hear from you. at the top of the hour, we gave you a heads-up when you might see that tax refund. are you expecting a refund this year?

will uncle sam send you money? here's what you are posting on my facebook page. tom posts: what i get paid in taxes i better get a refund. no, i'm not wealthy and my wife have to pay in. a lot of people think they'll get one or think it will be bigger than it will be because i bet next to no one is thinking about the obamacare penalty. that's smart. like fox business on facebook. and here's some of your emails on the ballooning federal government. listen to this. jean from new york: i'm the only one totally sick of the government sticking their nose in every phase of our life. they can't even end fraud or close the border. for some reason, they feel they can master health care. can all these politicians be possibly be that ignorant?

andrea president's mira plan. uncle sam can't even manage the money oats handson itshands now. they want me to trust them. why don't i just hand my money over to a street pedestrianler. we'll be right back.

gerri: welcome back. the irs doesn't have the best track record for getting tax refunds out quick. are you expecting a tax refund this year. 55% said you're managing your money better than that. i'm still fuming over the obamacare author who wants us to stop getting annual physicals. i thought the point was to improve our habits and lifestyles so we don't get sick. hard to do that if you don't see a doctor.

it she does not new motivation on health care reform. rationing isn't for the old folks it's for all of us. that's my "2 cents more." that's it for "the willis report." have a great night. we'll see you back here tomorrow. charles: i'm charles payne and you're watching "making money." what a ride. a stunning reversal of fortune in the stock market. huge gains wiped out. nobody knows why. the dow up 280 points at the session high. we crashed down to 142. lots of signs being ignored as the crash in comod did icommodity prices, it's all about the long-term. let's go to laurie on the floor of the new york stock exchange. >> you had to have a strong sum. volatility the name of the game once again. everything was looking great at the get-go until oil prices turned south. breaking $80 a b