policy or not. the bottom line the ecb is almost likely going to do it. the bank of japan, probably in the spring you want to look for. keep an eye on those. david: paul reason i can't from the -- vina from "the wall street journal." "the willis report" is next. >> hello, everybody, i'm gerri willis this is the "willis report." the show where consumers are our business. the real state of our union. what president obama won't tell you tonight. >> in the coming months let's see where else we can make progress together. let's make this a year of action. gerri: we'll separate fact from fiction. the hit film, "american sniper" is sparking debate about many things including to help our heroes returning home. >> i'm combing home. >> are you all right? >> yeah but -- gerri: coming up, how you can help. the boy who came back from heaven, the best-seller that turned out to be a big lie. who made money from this lie and robbed people of their faith and their money.

also, say good bye to your boss. how to start your own business for no more than $10,000s. our user's guide to stretching your retirement dollars. getting the best and safest return for your money. all that and more coming up on the "willis report," where consumers are our business. gerri: president obama set to give his state of the union in four hours but his address will sound well more like a campaign speech, touting an improving economy while pushing tax hikes leading to unintended consequence on the middle class. neil cavuto is joining us now. neil hosts our special coverage of the state of the union tonight on fox business. neil, the white house press office said now that the economy is fixed we're done with. that we'll move on to helping the middle class. do you buy that? >> well they are using that a lot. they are saying right now the trend is their friend and sort of like these improving numbers. they have not been robust but

good enough to be the wind at their back and those poll numbers show that the president's inching up a little bit, in one poll at 50% approval rating. hardly enviable position but better position than the president was in right after midterms. got to tell you, gerri they do not see a reason to compromise the midterm elections notwithstanding. they think these targeted tax hikes they want on upper income only affect the very very, very rich and that if republicans want to go ahead and bash them, and argue why they can't be used to pay for middle class tax cuts, have at it. now that is a tough debate and one that will obviously elicit more than a few boos tonight from the republican chamber but we'll see. gerri: neil, i spent a lot of time thinking about the changes the president wants to make to 401(k), college savings. this is an attack on the middle class. this is not helping the middle class. >> it is very interesting a populist pitch for the middle

class. always sounds good to make it easier for you. lower class that doesn't have opportunity to go ahead and get an investment vehicle going even if it will hurt some further up the food stream. furthermore, interesting that they're positing this as a chance to hand out the good did is. -- goodies. $68 billion of goodies. free community college for americans. all you have to maintain is 2.0 average i could have barely skidded by on that one. they're doing this with student loan relief and that the solve thing. they're giving people this populist approach that republicans would be forced to reject and explain why they're rejecting it. republicans as you know, gerri have been coming back saying there is this little issue we don't have money in the till. we're running massive debt but the battle is going to be, what do we do with the money we do have? the president's making an argument government to the rescue yet again. they're going to use this, the argument for it, to the recovery

we've seen thus far and even markets thus far. gerri: when you do your coverage tonight, i think you should have a flashing 18 doll trillion federal debt at the bottom of the screen. that is what we're facing. >> that is what we're ignoring too. both side are ignoring it. they talk in the grand scheme how we have to get entitlement reform massive tax reform. they're right in the aggregate. when it comes to details. as you and i know, you cover this better than i know, talk about trying to get programs under control and cutting no one is conduct. as you point it out you're curbing a growth in a program. no one is cut in the aggregate anything. but yet when you do that remember paul ryan was throwing granny off a cliff by trying to curb the growth in medicare from 8% to something closer than 6 1/2%. he was villainized or that orvillefied. i think that's the problem. republicans will talk a good game but both side fail at this game. gerri: neil, i want to tell our

audience for sure, your coverage, will be better than the speech. so you have to -- >> that is a low bar. but i appreciate it, yes. gerri: i meant to give you a compliment. >> i'm okay with it. >> have a great time tonight. it will be a bang-up show. >> thank you very much. >> thanks for coming on. be sure to watch neil along with his bang of up list of guests starting tonight at 8:00 p.m., 8:00 p.m. for complete coverage of the state of the union address. for more on the state of our union, steve moore chief economist for the heritage foundation fred barnes, "weekly standard,," grover norquist president for americans for tax reform. steve, start with you the main message out of the white house the economy is on fire, on fire. do you agree? >> the american people don't agree with him. the american people are very nervous and anxiety-ridden about this economy and there is a lot -- there are things going right with the economy and i do

think the growth rate ratcheted up from the 2% rut to 3%. when you look at average americans. give you two or three statistics that indicate how poor the economy is relative to where it should be. if we had a reagan style expansion, we would $2 trillion more gdp. that would be $15,000 more income for every family. second, you talk about this all the time. the labor force participation rate is as low as it has been since the mid 1970s. that is unprecedented during time of recovery. gerri: there it is right there, that is the labor force rate. >> wages, i just looked at the numbers, the average after five years of a recovery, average increase in wages has been 9%. in this recovery, 1%. that doesn't even include inflation. so people are falling behind the curve. that is why people don't buy it is an economy that is golden. gerri: i couldn't agree with me more. i think you bring up good numbers. i will bring grover in here. flat wages fewer people working

grover. the president wants to raise taxes $320 billion. how does this make sense? >> because the president always wants to raise taxes. when the economy is doing poorly, it is important to raise taxes, to make the economy get better. when the economy is finally doing a little better it is important to raise taxes to share the money with his trend. if the economy was standing still he would want to raise taxes. so i'm not surprised he wants to raise taxes. he is always put that forward. what i'm concerned about is the lack of compassion he has for -- steve moore was talking about if we had a reagan-style recovery, there would be 10 million more people working today if we had a reagan-sized economy. of recovery from the bottom to the where we are now. 10 million families don't have a bread winner. 10 million families have mom and or dad out of work. because obama's decided to go in the wrong direction on policy and he dances around because he

had a couple of good quarters after six years of very slow growth. gerri: a quarter or two. isn't enough. you have to win the whole game. >> he should care about those 10 million people. >> i couldn't agree with you more. we talk about this all the time on this show. fred, to you, i want to talk about gas for a second because this has been one of the bright shining beacons for middle class people, you pay less for gas. the national average, hovering $2 a gallon right now. and yet, on both sides of the aisle, they're talking about increasing the gas tax. what do you say to that? >> i say it is not going to happen because the public doesn't want it and the public really doesn't want it. i don't think the president is going to propose that tonight. that would be crazy. it has done more to benefit the economy in the last year or so, helping him politically than anything else. certainly the president acts like he has been fighting headwind all along and he has been fighting headwind, his own headwind holding back the economy. you were talking about the state

of the union addresses being boring, i don't think anybody can remember anything from an earlier obama state of the union address except when congressman joe wilson yelled out, you lie. other than, it is all forgettable. and in truth look i give him credit for coming up politically with some big idea his whole tax thing. but it is, i liken it to a dead-cat bounce in the market. it looks good today but -- gerri: turn to the -- >> can i have one quick thing? gerri: go ahead. >> fred, i think the most memorable thing the president has said in 25 years of state of the union when bill clinton said the era of big government is over. remember that one? gerri: those were the days, my friend. >> unfortunately he was wrong. >> this is just the opposite. gerri: hang on, guys, i want to get to an issue i know the president will brag about. the stock market has been going gangbusters. you can't ignore that. that generally makes people feel better. tell you numbers how most of us experience this.

fewer of us own individual stocks these days. it is down to 13.8%, the most recent numbers coming from the federal reserve in 2013. here is what you see. we talk a good game even on this network about stocks are up everybody is happy but reality is most of us don't own them. steve, people are not participating in what has been a huge rally in this market. >> yeah, they should be. we should allow people to put some of their social security money into these private accounts that have money in the market so everyone can get rich. the irony, the president will talk a lot tonight gerri, about income inequality and helping the people at the bottom and what is really interesting, if you look at this president i call him president inequality because there has been no president in modern times who increased income inequality more than barack obama. top 5% have done. people in the bottom 50% have done very poorly. gerri: you can draw a line in the middle. >> yeah. gerri: grover, i want to come back to you, i got to tell you,

there was stuff hidden in this that i am steamed about. let me tell you this i want you to comment both you and fred because fred has an been too. grover the president wants to go after 401(k)s and college savings plans. now you know how this works. the people who want to take care of themselves take care of their own families self-starters out there, people who make sure everybody and their family is taken care of, they are the ones getting penalized here. what do you make of the president's proposals? >> for all the talk about caring about middle-class americans there are 12 million accounts 529 accounts that parents put together to save money for their children 12 million. all of which will be heavily taxed if obama got his way. this is a body blow against the hopes of a lot of parents have to save money for their kids education and this is an obama's plan which he says helps the middle class. fooey. gerri: fred i think has half of those 12 million plans in his own family.

tell me your reaction. you have investments for each much your what, nine grandchildren. >> i have nine grandchildren. they all have 529s. if the truth is, money spent taken out of the account by them the children or their parents to pay for college is taxed, i'm going to drop out of these 529s, everybody will. because there are better ways ways that will earn you more money outside of the 529s than in them. this is a killer it shows one thing though. how desperate the obama people are to get tax money anywhere because they want to spend it. gerri: that's crazy. is a bad idea. steve, fred, grover, thanks for coming on. it was great to hear from you tonight. appreciate your time. >> thank you. gerri: thank you. i can't let this issue go. i'm pretty steamed about these sneaky changes to retirement and college savings plans that the president wants to implement tonight. listen to this. chances are the mainstream media won't even cover it but here is what you need to know. obama wants to reduce to cut

tax benefits for retirement plans and college savings plans. this hits the middle class right in the gut. you have a 529 plan for junior 401(k), wake up. the president wants a piece of that action. changing the rules in the middle after game is an insult to american who is have been trying to plan their own futures under their own steam. the president's plans fly in the face of what we know is good financial planning. they are contrary to the very idea of solid personal finance. they should not see the light of day. as my niece says, they are a big pile of steaming poo. still a lot more to come including a oil expert who says $5 gas may be coming soon. he knows a thing or two because he used to run shell oil. the boy who claims he went to heaven, claims he made it all up. will people get their money back? tweet me @gerriwillisfbn. go to the website,

gerriwillis.com. we're coming right back.

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gerri: a best-selling book telling the story that is of a six-year-old boy's journey to heaven and back, is a hoax. alex malarkey's, "the boy who came back from heaven," has been pulled from stores, after the boy, who is now a teen said he made the whole story up. maybe you read this book. my next guest had personal contact with the boy's mother who for years has said the story was a lie. here with more, is grace community church senior pastor and teacher on the christian broadcast, grace to you, john mcarthur. thanks for being with us. we appreciate it. just help our viewers remember this story because it has gotten a lot of coverage on our sister network, fox news but some people did not follow this story. this boy was injured seriously and he had a story about that. share that with us. >> that was about 10 years ago,

gerri. there was a terrible car accident in which essentially he was decapitated, you could say, spinal cord, spine. he survived that which is an amazing story in itself. gerri: seeing a picture of him right here. >> and while he was in the hospital surviving this little boy found that he could draw attention to himself by making up stories. he is since admitted that. they were fabricated. this continued while he was in the hospital because it drew attention to himself. that's what he said. eventually his father got ahold of this, he will bellished this, took it from the muses of a child, fantasies of a child who didn't actually die and built it into an industry. he eventually left the family. gerri: a massive book, a massive book that sold a million copies. was on "the new york times" best-seller list. >> right. gerri: and then alex malarkey the boy, now a teenager said this i said i went to heaven

because i thought it would get me attention. when i made the claims i did, i never read the bible. people have prophetted from lies and continue to. they should read the bible which he says is enough. the bible is only source of truth. anything written by man can not be infallible. kudos to the boy for coming clean in my view. i think he did a great job. from what i understand his mother has been pushing him to do that. what went wrong here? because i think a lot of people out here, we feel like we're sort of duped. maybe we spent money on the book. we bought into the story. how did this get so out of control? why would a book publisher decide to publish this book? >> there is a market for fan is a sy. there is fantasy. there is market for romanticize ed view of christianity. if you go to any christian bookstore you will find sentimentalized forms of

christianity. historic christianity is based always on the bible. all the experiences from alex malarkey and otherred who added to this genre of books are all fabricated. none are biblical. they don't square with the bible. they don't square with historic christianity and not about sound teaching and sound doctrine. there is generate ad market for that and money can be made. just to make it clear, if you, publish that on the internet, fine everybody has a right to that if you self-publish a book fine. but when a well-known well-established long-time christian publisher that is supposed to be a gatekeeper and protect people and be a channel through which changes r things are filtered so people get the truth about the christian faith, when they cave into this, for the sake of money and for the sake of sales and bookstores join in, they have failed. gerri: that is a tragedy. >> they have failed the christian movement. gerri: let me ask you this,

john, the publisher is tindale house. let's like that clear. that is hot publisher, tindale house. they're a christian publisher. have you forgiven them and have you forgiven the boy? >> oh, listen look, the boy was a boy. he was manipulated and exploited by his father. even said, look i didn't know anything about the bible. he is a six-year-old kid. he is making up childhood fantasies. his father sees potential for this. travels around tells the story develops the book. when the book came out in 2010 as soon as the book came out his mother and alex himself protested the book. that information into, we wrote a blog i wrote a blog and a book called, the glory of heaven which tells the truth about heaven and debunked this before i ever knew they rejected it. the day that that blog appeared on our grace to you website debunking this and other books like it, the mother called our ministry and said you're right, it is a lie. it is deception.

that is when we exposed it. gerri: i understand that tindale pulled that back finally after this time. >> they have known it for two years. they knew it what the mother said. she has protested again and again. alex has protested again and again. we sent a letter to tindale from our ministry. they never answered that. but, when hit "the washington post" -- gerri: john, the right thing has been done now and it is just a tragedy for the boy because you know he will remember this forever and he was just a child when it happened. john, thanks for coming on the show. appreciate your time. >> my pleasure. thank you. >> later in the show our users guide to stretching out your retirement dollars. you want to know how to do that? how to get high returns amid low interest rates. the fall in oil is helping you stretch dollars at the gas pump, but my next guest says don't get used to $2 a gallon. it is coming up. ♪ ameriprise asked people a simple

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♪ ♪ gerri: wall street calls it the slump at the pump. i call it heaven. gas prices set to hit a national average of just $2 a gallon. oil closing at $46 a barrel today. but our next guest says enjoy these prices because they won't last for long. former shell oil ceo john hofmeister is with us and explains why he thinks we could see $5 gas prices and soon. welcome back to the show. gas prices going higher, why? >> well, no industry is better at cutting costs and shutting in production than the oil and gas industry. we've done it before, we're in the midst of it now. i don't think wall street is yet aware of how abruptly the costs

are being cut and rigs are being shut in. we've shut down 400 rigs since october. today you may have seen schlumberger and baker hughes announced 16,000 layoffs combined between them. so without drilling by unemploying people, then production comes to a rapid halt production grows and is so that will ease the equilibrium between the supply overage and the demand shortfall. gerri: but $5 a gallon? how fast can that happen? >> when i said that, i said 2020. so this is -- gerri: okay. >> -- moving towards 100 million barrels a day demand by 2020. i don't know how we get there but when you're pushing 100 million barrels today it's 93. where is 9 million barrels additional coming from? and remember the other thing that happens, there's a natural decline rate of 4-5% for conventional oil an accelerated

decline rate for shale oil of about 30-40% and that means we have to find 5 or 6 million new barrels a year just to stay even, let alone to get to 100 million -- gerri: i do want to point out you have called for $5 a gallon in the past, so you've been here before. why might it happen this time around? >> well, it all depends on global growth. and i was assuming the kind of global growth that people were projecting, but it doesn't happen. china didn't grow as fast, india didn't grow as fast, and the consequence on the global -- -- and also people underestimated shale and how much oil would be produced in the shale formations. so it's an explainable myth. but getting to 100 million barrels, that's the tough one. how do we do that? gerri: i want to ask you quickly before you go, and i realize this is a big topic, but opec,

they've been playing along. tell me about what their role in what you see as rising prices? >> we should tip our hats to saudi arabia, because they have said to really the parasites in opec like venezuela or iran iraq nigeria, they've said to the parasites, we're opting for market forces, and we're going to go find our customers you go find your customers. we're not going to play the game of cutting production to benefit you, we're looking out for saudi arabia. and the whole world benefits from opec losing its cartel pricing power. gerri: well, they are definitely on their ears. john thanks for coming on the show. very good to see you. >> thank you. gerri: and coming up next, our user's guide to stretch ising your retirement dollars -- stretching your retirement dollars continues after interest rates start rising. and we answer the question how do you do that? we'll share some advice from inc. magazine on starting a business just $10,000.

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♪ ♪ gerri: welcome back to "the willis report." in a moment our user's guide to stretching your retirement dollars despite the fed's low rates. but it's time now for a look at other stories in the news. investors shook off after a mix of negative earnings in economic data. the justice department wants to add $14 billion in penalties against bp after the 2010 gulf oil spill. the ongoing effects on the affected communities warrant more money. parts of i-75 through cincinnati will be shut down for at least three days the overpass collapsed onto the highway killing a construction worker and injuring another worker. and tax season is officially underway with today being the

first day you can file your 2014 taxes. hallelujah. bothen line and on paper -- online and on paper. this year taxpayers being forced to deal with the obamacare penalty for not having health insurance. and those are some of the other stories in the news tonight. okay look, great advice segment coming up here. you don't have to be donald trump or warren buffett to start a business, in fact, you can with your own -- be your own boss for ten grand orless. we've -- or less. that's the cover right there eric, tell me what you learned from these very smart people about starting on a shoe string. $10,000 isn't even a shoe string. >> a lot of really successful entrepreneurs have started for less than that. think about it, you have open source -- gerri: the internet. >> practically for free. social media to publicize practically for free so take advantage of all those opportunities. starting a company is cheaper

now than it ever was. gerri: so interesting. you had burt jacobs from life is good on your cover. caps and t-shirts. how did he do that? >> i don't know the story. the story is the embodiment of the american dream. burt and his father john started the company on $200 which they borrowed from their other brother, allan and they got a used van and they drove around massachusetts selling t-shirts. they bargains to get cheap printing they bargained to get delayed payment on the materials for t-shirts and they hit on a theme, the power of optimism. and that is what is behind all the slogans you see on life is good t-shirts. gerri: i love that. you've got a company called superfly kids. >> superfly kids $100, now a there are 2.4 million company. $100 start-up. a woman named holly bartman was making capes for her son's 4-year-old birthday party, that turned into a business.

gerri: paint night. >> all right a couple of friends go to a party that has a birthday party again birthday was the theme here. birthday party with wine and painting, and they came home and thought, this is a business. [laughter] you can teach people to paint and give them something to drink. they started on $30 -- >> 30 million in revenue? painters gather people around -- gerri: super smart. i've got to get you to the jager meister story because people like -- what happened with their starting a new business? >> people buying jagermeister think about what it is it became a success not because it tasted great. can we agree on that? gerri: yes. although i've never had it. >> well, it tastes like cough medicine, and the founder said so. but it was marketed brilliantly, and the people are back with a new alcohol called cold cock

whiskey. it's part of a fast-growing trend towards flavored whiskeys a little bourbon a little herb, and you've got a drink that not serious whiskey drinkers can get down easily. and the way they're marketing it is sheer genius. they are bringing in the kinds of people that young people see as admirable rock stars and rock promoters and x game athletes to be investors and to be seen drinking coldcock whiskey. gerri: that's brilliant. it's so much fun to talk to you, eric. thanks for coming on the show. you'll come back, right? >> i will be back. gerri: excellent. all right. how do you make sure you have enough money in retirement? that's what we've been investigating all week with our user's guide to stretching your retirement dollar. the fed's low interest rate agenda has complicated things for millions of us already in retirement or thinking about retirement. with us now, bank rate.com

senior vice president greg mcbraid. welcome back, good to see you -- mcbride. cds, what are they returning? nothing. there's no money there. what should people who are on the cusp of retirement or in retirement do? >> the answer, you know, as it is really at all ages, gerri is having a diversified portfolio. the reason you diversify is to reduce risk. and part of that risk is that if you're too heavily tilted towards things like cash or even government bonds that are paying those next-to-nothing yields your money is not invested risk-free because you're losing ground to inflation. and that loss of buying power is just as damaging as a loss of principal. so you need to offset that with investments in other asset classes that have the potential for higher returns. yes, their prices will fluctuate, but over the course of the 20 or 30-year retirement horizon, you're going to need some portion that's outperforming inflation, that's growing your buying power so that you're still able to pay the bills on a consistent basis

well into your golden years. gerri: all right greg, split the difference for me here. let's take on a little bit more risk and still get better returns than, say a cd or money market account. what can i do? >> well, you know, beyond cash look at government bonds. even high quality investment-grade bonds. the returns are still going to be low in this environment, but you're going to do a little bit better than cash. and then i think you have to venture a little bit further out on the risk spectrum. look at a dividend-paying defers stocks andtive tend-paying common stocks in particular a very important component because companies have a tendency to increase their dividends over time. well, your expenses tend to increase over time. so there's that inflation protection that we were talking about -- gerri: i like that. >> -- a moment ago. you need that to offset the effect that inflation is having on your safe haven cash and government bonds. gerri: so let's talk about interest rates for a second

because that's what all this conversation is about, the worry that rates are going to spike higher and hurt people in super safe investment as they have was we've had no -- because we've had no return right? if rates do spike quickly, how quickly can they go up and what kind of steps should we be taking with our portfolio as a result? >> well, first of all, you know i'm not forecasting that rates are going to spike, but, you know, under that sort of hypothetical scenario, a lot of long-term bonds are really going to get hammered. and a lot of investors have poured money into those in recent years because they viewed it as safe. they thought oh, bondsing safe. i'm not going to lose any money. but the prices of those bonds will fall sharply, and you will suffer some losses. now, the offset to that is the coupons that bonds are paying in a higher rate environment are going to be higher. so the cash flow coming in will offset that, but you will suffer losses. and i think investors have to be comfortable with that. it's called interest rate risk and that's the reality of higher interest rates, is that you're

going to suffer losses on investments that you thought were so-called safe havens. gerri: greg, thoughtful comments, thank you. >> thank you. gerri: and coming up tomorrow, our user's guide continues with advice on where to live including a look at which states are cheaper and even the best places to live overseas. and when we come back, how to keep those new year's resolutions and the hit movie "american sniper" deals with issues like helping our here's when they come home. one veteran tellses us how to do it. and he's your consumer going with the numbers -- here's your consumer gauge with the numbers that mean the most to you. take a look at those. ♪ ♪ 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

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startup-ny. it's working for new york state. already 55 companies are investing over $98 million dollars and creating over 2100 jobs. from long island to all across upstate new york, more businesses are coming to new york. they are paying no property taxes no corporate taxes no sales taxes. and with over 300 locations, and 3.7 million square feet available, there's a place that's right for your business. see if startup-ny can work for you. go to startup.ny.gov. gerri: the blockbuster "american sniper" hitting the bull's eye at the box office, opening up a lot of

issues for all of us, and one of those issues is the challenges facing our heroes who come home. it's something the film's star bradley cooper recently spoke to us about. >> there's always one clear idea that we always had which is it's a character study and chris is a criz mat you can guy. his story serves for everybody's story who has to deal with the fact as as they say in theater or the struggles that military servicemen and women have to do. people are coming back, and we have to take care of them. gerri: so how do we take care of our returning heroes? with us now, jesse james retired gunnery sergeant for the u.s. marine corps and a senior fellow at the center for policy research. jesse, welcome back to the show. first, i have to get to the outrage, and i guess you probably share it with me. so we just saw -- it's a billboard advertising this film, somebody scrawled "murder" on the cover of it. what do you say to that? so this is not part of the advertisement, okay? somebody went out there with a

can of paint and painted this on there. >> well, it's despicable that people would try to compare themselves to some of the most phenomenal people on this planet, the united states military. we have more professionalism, we have more capability mentally and physically than the average individual in this society even has to offer. i was a recruiter and you would be amazed how many people we had to turn away who couldn't pass the physical mental, medical backgrounds required just to get in. this is, obviously, someone of ignorance who has a diminished mentality about what our military offers our society and protecting this country. gerri: let me reference somebody who probably couldn't pass those tests, and that is michael moore. [laughter] he's totally backed off what he was saying. his original tweet was this: my uncle killed by a shiner in world war ii -- sniper in world war ii, we were taught snipers are cowards and invaders he

wrote -- this is not me, this is michael moore, people okay? -- then he comes back and says, hmm, i never tweeted one word about "american sniper." i said only cowards would kill a man during world war ii. what's your reaction to that? >> i have to apologize that i'm smiling because i just find him so worthless. the last time this man did anything physical was probably in his 2-year-old toddler tumbling class. i mean, his idea of a mental challenge is sending out a tweet and then trying to aggravate people because he thrives on the attention. he is yet to probably even know an american person who served honorably in this country who has the physical and mental standards that far surpass his capabilities he demonstrates every single day. i doubt he's ever visited wounded warriors or even the military warriors that have died in service of this country. gerri: good point. seth rogen doing the same thing heavily critical. american sniper kind of watches

me a movie, inglorious bass tedders, then he says i wasn't comparing the two. big difference between comparing and reminding. apple reminds me of oranges can't compare them though. it sounds like both of these guys had it handed to them. >> they sound very much like ignorance runs deep this their community, whoever they circulate with. i doubt our military personnel. gerri: okay. they probably don't know anybody wearing the uniform. >> not one. gerri: i want to get you, though, to this issue of helping people when they come back and making the transition. you know, i've talked to so many people about this, jessie what do you say to people who might want to help? what should they do? >> absolutely. first, we have to recognize not everybody has served necessarily in combat but yet every single person who has served has a tough time transitioning, and the biggest reason is we're leaving a lifestyle, a culture. it took me a while to reinvent myself, but it took time. the reality is we work on bases, posts, installations, submarines

and ships and often are in the sky flying above. we don't have normal jobs normal shifts we shop at pxs, nexs and commissaries, so our language is different. and what we struggle with is just getting out and trying to write a resumé that makes an employer understand how versatile and how intelligent we are because we're still using the language that we see as being effective with our military personnel. so that's a big hurdle for all of us. gerri: you made a great transition. thank you for your service, thanks for coming on tonight. appreciate your time. >> thank you very much. gerri: and still to come, my two cents more on one particular part of president's speech tonight that should alarm us all. and next, about this time of year people start giving up on their new year's resolutions right? there's a simple trick to keeping them we'll show you how. don't go away. ♪ ♪

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♪ ♪ gerri: new year, new you, right? until it's the third week in january which means many of you are wavering or have already broken your new year's resolutions. here with how to keep them is dr. gayle salz, an associate professor of psychiatry at the cornell school of medicine. welcome back to the show good to have you here. >> thank you. nice to be here. gerri: so why can't we keep our resolutions? >> because changing, real change is hard. and people think it's about having better will power, and then they feel bad when they're not doing it, like i don't have enough will power, and the stress of that makes it even harder. that's really not what it's about. gerri: so you're saying it's about creating a new habit. >> that's right.

gerri: how long does that take? >> a long -- much longer than people expect, and that's another reason it's hard. at least two months of the same repetitive behavior right? and really sticking to it. gerri: 60 days? >> to learn a new habit. gerri: the experts say 66 days. >> would you ever forget to brush your teeth at night? gerri: no. >> will right. because it's a habit that's really ingrained as opposed to some of the things that we're trying to change. oh i just want to be fitter. it's so amorphous. you have to break it down into a habit. gerri: so you're saying you have to have very specific goals. so it's not get in better shape social security it's, what? -- it's what? >> not only specific goals, but behaviors you're going to do to that achieve the goals. i want to lose 7 pounds, i want to lose 2 pounds a week. i will do that by making sure my dinner is never over 800 calories, by going to the gym as soon as dipper is done i will -- dinner is done, i will

put on my sneakers and go outside and rub around the glock -- run around the block three times. gerri: concrete. here's evidence that we can't keep our evidence at all. check-ins on facebook at workout facilities, ie the gym decline starts as early as third week in january. these businesses they know our habits they know we do that can and then they plan their entire -- >> the gym is waiting for you in december and then the ice cream stores are waiting for you about now. [laughter] gerri: yeah. i like those ice cream stores. [laughter] >> it's all about moderation. i don't want to say deprive yourself of joy in life. not at all. it's all about finding a moderated behavior that you can manage. so pick a habit that you can actually do, not i'm never gonna do it. gerri: thank you for coming on the show. good to see you. and now we want to know what you think. he's our question tonight, are you -- here's our question, are you still on track with your new year's resolutions?

log on to gerriwillis.com, i'll share the results after the break. and we'll be right back. ♪ ♪ ghtest or nothing. the smartest or nothing. the quietest or nothing. the sleekest... ...sexiest ...baddest ...safest, ...tightest, ...quickest, ...harshest... or nothing. at mercedes-benz, we do things one way or we don't do them at all. introducing the all-new c-class. see your authorized mercedes-benz dealer for exceptional offers through mercedes-benz financial services.

test gerri: finally we've been

pretty hard on president obama's state of the union. right? we haven't even heard it. here's what you need to know. the other media probably won't even cover. obama wants to reduce tax benefits for retirement plans and college savings plans. you have a 529 plans for junior. a 401(k), wake up. the president wants a piece of that. people who planned for years using these tools that were developed by the government will see the rules change in the middle of the game. that is an insult for americans who want to try to plan their own futures. the president's plan flies in the face of what we know is good financial planning. contrary to the idea of

solid financial financial advice. that's it. thanks for joining us. don't forget to dvr the show if you can't catch us live. "making money" with charles payne is next. have a good night. charles: hey, i'm charles payne and you're watching "making money." markets had a massive comeback. ending positive. this is after being done as many as 164 points. this was a very impressive session. this market could have crashed today. we are just hours away from obama's state of the union speech where eel propose 300 billion in tax increases. be warned, a whole lot of self-congratulations. the 1% really a war against you, the middle class. right now, let's go to nicole petallides on the floor of the new york stock exchange. nicole. >> charles, it was an amazing day on wall street. 240-point swing basically from top