o has the finest wine. bottles of wine, a thousand $2,000 a bottle. this guy knows how to throw a party. they're all there. it look like in davos. if you're interested in that kind of thing. meanwhile "the willis report" is next. >> hello, everybody i'm gerri willis and this is the "willis report," the show where consumers are our business. punishing savers. president obama unleashing the taxman on college savings plan to pay for of his giveaways. >> i'm sending congress a plan to lower the cost of community college to zero. gerri: we have insurance these days tore just about everything but what about our furry family members? we'll tell you how to do that. should we promise to tell the truth about money to wedding bells? we'll have the latest on financial infidelity and plus get your reaction. we head out to davos where our own liz claman is hob knobbing with the elite. liz: gerri, how the consumer

will fare in 2015. we have the answer right here from davos switzerland. >> ready to sale into retirement? we'll tell you best places to live to stretch your retirement dollars. all that and more coming up on "the willis report," where consumers are our business. gerri: we begin tonight with president obama's proposed assault on popular college savings accounts. the white house wants to eliminate tax breaks for so-called 529 plans. you may have one. the 529, american as apple pie. 12 million mid he dill class families invest in to finance college. we have charlie kirk, ceo of turning point usa and roger michaud. a dynamite panel. you guys are perfect for this topic. i will start with the idea what happens to this money, what happens to this money if the president's ideas go through roger? >> since 2001 the momentum we've

built in terms of driving american families to save effectively for college would come to a standstill. it will force students to show up years down the road at colleges without college savings, looking to take on much much more student debt. gerri: more student debt less ability to pay for it. charlie, to you. you know i heard from a lot of parents today. they're all really upset. what are college students saying? >> yeah. in preparation for this topic i must have gotten seven or eight text message without me reaching out from young people across the country are worried this specific college savings account will be in jeopardy. i personally know 15 or 16 families, middle-class families use it as advantage to save and prepare for college. let's really talk about what is going on here. president obama mentioned words middle class almost 15 times in the speech last night. this is not middle class economics. this is middle class warfare. these are individuals small business owners, entrepreneurs and individuals using this judicious saving methods to be

able to save money and then make wise decisions for the future and i think this is an assault on middle-class americans. gerri: charlie, your organization is all about personal responsibility. that's what 529 plans are. these people don't want to rely on the government they want to rely on themselves looking to put their kids through college on their own. i want you to hear directly from the president himself, the words he said about this program last night, take a listen to this. >> i want to spread the idea all across america, that two years of college becomes as free and universal in america as high school is today. >> so, roger, part of this, charlie is shaking his head roger part of this is the idea that we're going to have free college, community college for people. so maybe you won't need that much money to go to college. what do you think of that idea? >> a little early in the game to offer free college to community college. infrastructure is not there. there isn't community colleges across the u.s. do not have the ability to take on massive

increase in attendance overnight. gerri: you make a good point. charlie, you were shaking your head. what do you say? >> yesterday when i heard him say that i think it's a false premise. he said high school is free. has he looked at a property tax bill recently. gerri: hasn't seen mine? >> exactly. it might be free for individual as student but his parents are paying a boatload in property taxes for high school. if you go cost per pupil they're paying way more than in return or value. i say to the president about the whole free community college idea. what this is all about is control. he wants to control sectors of the american population at the federal government is currently not present in. his agenda is to grow government in all arenas. he is hyper focused right now on community colleges. me as student with other young people around the country using these arenas right now effectively, it really spreads a lot of fear amongst young people. gerri: you were saying that you heard from a lot of folks. let me tell you everybody is talking about this story today. mainstream media ignored it but

middle class is on it. they don't like it. hear what the folks "fox & friends" said. steve doocy, elisabeth hasslebeck. listen what they said today. >> here is the thing that really bothers me about this. >> what? >> i made my final two college tuition payments about two weeks ago. >> speaking like from the heart of a dad and moms out there feeling same way. wait a second. we're paying for more college tuition for somebody else to the tune of $60 billion. >> great deal but who will pay for that? gerri: roger, there you go, what about equity? what about people who maybe they just finished their last pates? >> i think what we should be looking back, the success we've had with the programs. since 2001 when the tax benefits went into effect. back then we had one million accounts and one billion in assets. today we have 12 million participating accounts and $217 billion in savings all going to be used to pay direct student costs. since that time, we've made $89 billion in distributions to pay direct college costs. gerri: there are literally

thousands and thousands and thousands of kids in school right now maybe graduated last year, who got to school using a 529 plan. i just have to ask this question though, the real issue, charlie, it's not getting tax breaks. it is not getting free money that will solve this problem. these schools have to reduce what they're charging, right? >> exactly. this is something you and i have a good dialogue about. colleges at large need something consumers need every day and what this show really talks well about, that is competition and freedom of choice. i think that is what community colleges have been doing so well, is community colleges operated as a community. people come together and find out ways to lower cost so taxpayers don't foot an exorbitant bill. four year institutions don't take that ideology. they keep raising rates and tuition because they know they get federal money infused. community colleges work tooth

because they have the taxpayer in mind. four year institutions because they have the university presidents in mind and board of regents and not students. if you take that kind of view of it, then you can say, hey, president obama, this free community college is really not free. it will cost us, the taxpayer. gerri: well-put, both of you. charlie, roger, thank you so much. of course nothing we're saying is to be nasty about community colleges. we love them. i think you should choose what you want, pay for what you want. i like to do it under my own head of steam without some government program behind me. thanks to both of. >> you thanks for having us. >> thank you. gerri: from a tax hike to getting your tax refund walmart wants in on the action. the retailer is offering a new service allowing taxpayers to skip the check and collect cash at walmart stores. with more on this, al gobo, certified financial planner and at u.s. financial services. al, welcome back to the show. always good to have you here. i think this is genius by walmart this is company having a hard time getting people in the

door but this is so smart. tell me what they're offering. what will they do? >> first of all you're right i think it is brilliant. when they asked willie sutton years ago why do you rob banks, he said because that's where the money is. here you have a bunch people in the store, shopping and what better thing to do but give them money while they're in the store. so -- gerri: talk about the program itself for a second though because there are lots of tax preparers that work in and around walmart. these are the folks who would do your taxes. >> correct. >> how much will it cost? >> i'm reminded of refund anticipation loans so many preparers used to offer. so expensive. are we going to be in a situation where people will be overcharged for this service? >> i don't think so. i think the tax preparers that already are in walmart, they have been doing this for years already, they offer in some cases free tax preparation if you are single, you don't have any dependents and if you file a 1040 ez which is the simplest

form to file, they offer it for free. if you go above that there is fee for actual tax preparation. what this program is about direct to cash direct, number, two, cash, is if you file the return, whether it is in walmart or outside of walmart with about 25,000 preparers around the country who have the software they will actually give you cash up to $7500 of your refund. so -- gerri: that's a big deal. talk a little bit about who this program is for. obviously if you don't have a bank, not working with a bank, perfect for you. you get access to your cash right away. i understand there is a $7 charge involved in this though. what is that for? >> they claim anywhere from zero to $7 fee which is a nominal fee considering the people as you said they're either unbanked or underbanked. so they don't have that option. they may not have a bank account. if they go to a check cashing service they could be charged anywhere from one or 2% which could be substantial.

to pay a couple of bucks is probably not that big of a deal. gerri: do you see any downside to this, al? >> yeah. you know what? if you're a shopaholic and walking in, in walmart see, i don't think the person in walmart buying a fishing rod says i want to get my taxes done. i think a person says i'm going to go to walmart to get my taxes done. once he gets a couple bucks in the pocket says i'm going to go buy a fishing rod. from walmart's point of view its brilliant. get people in the store give them some money. gerri: i think they will get a lost response. here is my view of walmart pretty soon i will go there pick up a dozen eggs cd, maybe that fishing rod. lots of choices there. al good to see you. thanks for coming on the show. >> great to see you. gerri: still a lot more to come this hour including get this, sex, lies and money. do you lie to your spouse about finances? coming up, how do you spot a cheater?

next up, advice on pet insurance, should you buy and what should you pay? let us know what you think. tweet me @gerriwillisfbn or go to our website at gerriwillis.com. we'll be right back. ♪

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gerri: it's no secret pets like this one right here, they're expensive. and a lot of that money goes to vet bills. is pet insurance a wise decision for your money? how do you pick the right policy for your money. we have a expert here and her dog "baby hope" and is adorable. wendy is ceo, woman, not the dog. she will give us advice on pet insurance. so i want to start with this idea of, good lord, almighty how much am i going to pay for pet insurance? >> first of all, pet insurance is like any other insurance except pets are considered property chat till.

gerri: oh, my. >> when you're getting pet insurance you have to look at everything right? just like all the information when you go get home insurance, whether you get your own health insurance. gerri: it is all details. i understand monthly premiums could be 25 to 100 buck. >> over a hundred and co-pays, right? so when you look at it, also depends on rates the breed of the dog the size of the dog age of the dog. gerri: here is my question for you. you would know this. if you have a young dog, less chance you will need that i think but older dog -- >> you get the insurance, you start when the dog is very young. right? so right now my dog is 10 years old. i'm not getting pet insurance because it is really high. it doesn't cover preexisting conditions. right? gerri: i'm sorry. your dog yawned when you said that. >> oh. the dog before this dog, my dog had spleen cancer. that surgery costs $12,000. i wish i had pet insurance

right? gerri: 2,000, 20,000. cancer $10,000 on lymphoma treatments. you can spend anything. i have seen people spend anything. travel out of town to get care for the dog. put themselves up in a hotel. super expensive treatments. do you think that typically this kind of insurance, a is worth it and b for any dog? >> okay, first of all absolutely. in the last decade it has gone up 13% right? so when you think about what happened in the pet insurance industry, well worth it. if you have a young dog, absolutely get pet insurance. when you have a senior pet, you have to, not everybody offers insurance for senior pets. so absolutely think it's a great benefit -- gerri: can't stop looking at the dog. >> because the cost, these are our children. so it is like, will you get your child insurance? of course you're going to. now it is affordable. there is a lot more options out there. depends what state you live in. gerri: let's go there. examples of pet insurance plans. we have to cut away from the dog

for a second, i apologize. i want to show you some examples what you would pay. healthy paws pet plan, a bunch of different options here and costs that you would pay and how much coverage you actually get. gerri: right. >> for you what i want to know is how do i check these out? where do i go? >> so there is a couple websites that i, i trust because they go through everything. depends also on the breed. depends on the age. and also the size of the dog. so if you go to pet insurance review or consumer advocates, it has all the information. you read up about your breed and all of the different, you want to know, what is the co-pays what are deductibles? what will this cost me at the end, right? jobs absolutely. hidden charges with everything in life, right? if you just know and you're aware, i definitely say, you know what? every pet should have insurance. because cost of veterinary care is expensive. you never know when there i will be an emergency. gerri: wenddy, great job. i love "baby hope."

let me pet, baby hope. you are a cutie. yes you are. look at that. i love you. >> usually whether i say that she gets on her back. so funny. gerri: you're running the show. we're just looking at the dog. just dog pictures, people. when we come back, yesterday, don't walk off. predicted $5 gas. today's guest takes him to task. with money number one cause of divorce, why are so many people committing financial infidelity. results of a new survey coming up. yes. you are so cute. ♪

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gerri: is your spouse committing financial infidelity? new survey shows that one in five americans hid a purchase of 500 bucks or more from their significant other. more than seven million americans, get this, have a bank account or credit card their spouse doesn't even know b with more matt shults, senior industry analyst for creditcard.com. good to see you. i'm amazed by some of these numbers. our organization put this out. how bad is this problem how extensive? >> any time you talk about seven million people having an account they're keeping from their loved one, we're talking about a significant thing. we're not talking about everyone doing it but definitely a lot of people doing something they should not be doing. gerri: as it is always true. you know i, i am kind of blown

away by people who have secret accounts. that to me steps over the line. reality of somebody buying something and not telling a spouse, that happens all the time. you don't look old enough to go to problem. i've been married 20 years. people make expenditures they never tell their spouse bit. it just happens. do you find that problematic in a relationship, is that an issue? >> yeah, no question and it is something you have to address right off the top. my wife and i have been married for a long time. it is something we talked about before we got married and she and i were coming at it from from different sides and we end upped up having a conversation about it and turned out we weren't quite as different as we thought we were and it was a very great conversation too few people have. gerri: the other eye-popping number from this, the fellows, the fellows are out there sneaking stuff and lying. more men 25% of men spent 500 bucks or more, 14% of women.

this flies in the face of what people always say is true. what is going on here? >> well it is interesting it does go against kind of stereotypes but in other surveys we done, we talked for example about impulse purchases. we found that men they may not shop quite as often necessarily but when they do they tend to go pretty big. and this is, i think another example. gerri: is it a slippery slope? if you're lying about this, are you lying about other things? >> it would certainly epup a can of worms it would seem. at a minimum your spouse would certainly say, well, hey you're keeping this from me, what else might you be keeping? gerri: agree. matt thanks for coming on the show. >> thank you. gerri: has your spouse committed financial infidelity. go to gerriwillis.com. vote on right-hand side of the

screen. i will show results at the end of tonight's show. >> >> ecology up we head for davos where the head of gives his prediction for 2015. national average for gas could drop below two bucks. more predictions coming up after the break. ♪ begins with the cloud. this is "titanfall," the first multi-player game built and run on microsoft azure. empowering gamers around the world to interact in ways they never thought possible. this cloud turns data into excitement. this is the microsoft cloud.

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$170,000 reward offered for information on a person responsible for starting a huge inferno in an unfinished apartment buildings in downtown los angeles. an official with atf he said it is the biggest reward he ever seen. the fire destroyed the 1 1/2 million square foot complex. look at that. microsoft unveiling a new version of windows. of the windows 10 will come with new browser and voice activated digital assistant. what would we do without that? microsoft took the wraps off a new digital gadget called holo lens. nfl is continuing investigation into the new england patriots after a report found 11 balls not properly inflated. espn cited unnamed sources in the report. the last thing the nfl wants is another scandal this year especially heading into super bowl week. those are some of the stories in the news tonight. you may be asking yourself how low can gas prices go. enjoying $2.05 a gallon, saving

collective $14 billion. ceo john who have pfister said you will be paying back to 5 bucks a gallon. here's why. >> no industry is good at shutting production as the oil and gas industry. we've done it before. we're in midst of this now. i don't think wall street is aware how abruptly the costs are being cut. without drilling. by unemploying people, production comes to a rapid halt. gerri: but our next guest is taking hoffmeister to task. joining my the chief oil analyst for the oil price information service. great to have you back denton. so does hoffmeister have it right? will it be four or $5 a gal lon? >> for that to happen you need something pretty spectacular to happen on a geopolitical level. not long ago 2011, through 2014, we thought of 70 and $80 a barrel of oil as a floor. gerri: right. >> now in 2015 and probably

through the first half of 2016 that may be a ultimate sealing. >> domestic oil production has gone from five million barrels a day in this country to nine and that is just since 2009. is that the main thing at play here? the fact we're producing more and more product? >> absolutely. we have obviously like you said more production. actually last week eia data shows highest production for one week since the nixon administration, october of 1973. yes, i totally agree with capital expenditures being cut, production being, slowing down rig counts going down but honestly a lot of these projects were full steam ahead to begin with i think yeah we may not grow our production as much as originally forecasted but we'll still see production grow and i think between now and 2020, our production will average between nine and nine 1/2 million barrels a year. gerri: wow. i have to tell you, the president of the united states of america disagrees with you. he doesn't think the industry is

responsible for the low prices. he thinks he is. here is what he said last night. >> we belief we can reduce our dependence on foreign oil and protect our planet. today america is number one in oil and gas, and thanks to lower gas prices and higher fuel standards, the typical family this year should save about $750 at the pump. gerri: so does the president have it right? is it his policies that have set us up for low gas prices? >> well i think it would be silly of any president or politician to not take credit for it. whether by design or serendipity the low environment rate, low rate environment we're currently in has helped turn over a fleet of vehicles. obviously the cars we drive now get much better fuel efficiency. it is also created a businesses the opportunity to finance money at steake a very low rate. so you have some of these startups have been able to get by, whether by design or serendipity that is up for debate.

gerri: you're very diplomatic. you're very diplomatic. i can't to get to your forecast. gas prices fell from 4.20 a year ago. now we're down to $205 a gallon. -- 2.05 a gallon. where do we go from here. >> we're pretty close to the bottom. i think we get below $2 between now and end. month. we bottom out between 1.95 and 1.99, somewhere in that area. for the full year we'll only average a $2.40 a gallon, maybe less than that. we'll see supply crunches. we'll see prices go up in the spring as we normally do. it will not be difficult or as tough as it has been in the past. i think we'll see demand inch much up. that will be goosed a little higher by cheaper prices. for the year 2015 i -- 2015 i think motorists will see -- >> i like what you're saying. when we go below $2 a gallon,

we'll have a big party. you're invited. >> all right. gerri: i hope that your time frame is the one that actually happens. by the end of the month what we're looking at right? i will set my watch. we'll be in touch, okay? >> all right. sounds good. gerri: thank you. good to see you, dennis. >> always a pleasure. likewise. gerri: to put into perspective how cheap gas prices really are right now, check out how much a gallon other products at the grocery store cost compared to the gallon of gas. like a gallon of milk, it will run you six bucks. same for a gallon of bleach. cost way more to get a stain out of your clothes than gas in your car. designer water, pay up, 10 bucks for a gallon. gets worse. orange juice nearly 12 bucks a gallon. if you need a extra surge of energy, a gallon of your favorite energy drink will set you back, 32 bucks, 32 bucks a gallon. maybe that is too much. if you're paying that much more than a gallon of gas maybe you

made a wrong choice. gerri: on to davos, the biggest and brightest names in politics and economics converging in switzerland this week, along with some of the biggest and brightest from fox business including liz claman who caught up with the ceo of ernst & young to hear his predictions for consumers in the coming year. liz: gerri, ernst & young now known as ey has been in business for decades an decades making businesses run more smart and more efficiently. let's turn the tables on the ceo, mark weinberger and ask how the consumer will fare in 2015. right off the bat will the consumer fare more edficiently and stronger than businesses, or slightly weaker? or the same? >> well it's a great question. it is a right question, liz because 70% of the u.s. economy is driven by consumption. it all comes down to consumption. the bottom line consumers will consume more when they have more secure jobs and wages start to go up. jobs are coming back, wages are

not going up. real problem. on consumption side what advantages will consumers feel low interest rates, low inflation, low energy prices. tremendous opportunity for them to spend. >> that is a like a tax cut. >> it's a tax cut but they're not still spending because they don't have security in their jobs because we don't see wage growth. liz: speaking of taxes the president last night in his state of the union address outlined his tax plan. how did you absorb that, what did you think both from consumer and business perspective? >> there is lot left to see as the details are fleshed out. realistically how much can get done with this president and this congress. that plan was not received extremely well by this congress not surprisingly with 300 billion-dollar plus tax increase. the area of comprise if it happens will be business side of taxes trying to bring equal agreement lowering corporate rate and expanding the base to get rid of loop hose. that is where we might see some progress. >> liz: you deal with some businesses. you hear what they love to have

in place to hire more and quite frankly they're businesses. they want to make more money. if you could have one line item, one tax form out there expected, what would it be? >> simplification. if everybody understood the tax system, took social policy out of it, lower rates let markets drive what was going on people would feel more confident. certainty is big. uncertainty is the biggest tax there is. liz: what about low interest rates? we don't know what interest rates are going to do this year, but, mortgages are so much cheaper. can you imagine 30-year fixed at rates we see now, historic lows? that has to be good for first-time homebuyers? >> huge, liz. that is exactly right. that is what people are watching very carefully. sometime this year we'll see interest rates go up as fed reverses quantitative easing and starts to reverse rates to head off inflation. what will that do to mortgage rates? what will that do to consumer interest rates? that is issue for second half of this year, not the first half. liz: you touched upon wages,

mark. we saw wagers contract, at least hourly wages which was a disappointment in the previous month when we got those numbers. this as we see job growth. what is going on there? are people making less an yet there are more jobs out there? >> yeah. if you look where the growth in profits for most companies coming from still from cost cutting, not from expansion and new opportunities. that is why it is important to return to normal growth to have trade agreements come into effect, tax policy simplified. try to get that opportunity for more markets to grow around the world. that will lead to job growth. liz: in the end, are you more optimistic or slightly pessimistic. >> i am more optimistic than two or three years ago? >> i think we're two or three months away from that. >> we have years away from mark wine merger of ey. >> always a pleasure. liz: from davos. e gerri send it back to you. gerri: liz, thank you from that.

davos what do you think of those pictures? that is were the elite, ceos, world leaders celebrities they meet to solve the planet's problems, like hunger, global warming, by the way, 1700 of those elite came to davos by private jet. maybe global warming isn't a big problem they thought it was? when we come back is there a better time to eat than others? a dietician will give us her take. next our user's guide to stretch retirement dollars where to live including best places overseas. first here is the consumer gauge. we'll be right back. ♪

gerri: use's guide to retirement. helping you stretch retirement

dollars by maximizing savings. one way could be to live overseas. we'll look at budget retirement hot spots editors of international living and authors of international living guide overseas on a budget. welcome to you both. i should have said susan. welcome to you both. great to have you here. a lot of people flirt with this idea of living overseas. what do you take into consideration when you're trying to make that decision? stan? >> well, it's, it is a big decision. it is not for everybody. you have to kind of ruthlessly profile yourself to see what you can live with and what you can live without. if you find it is not in your comfort zone you shouldn't do it. if you like adventure, if you like a challenge every day, if you like other cultures and if you like to save money, it could be a good move. gerri: susan, you guys have a great thing to consider including, climate health care. i like, whether you fit in or

not, cost of living infrastructure. how do you think about these issues? >> well, you know, those are probably the most important things that you need to consider if you're thinking about moving overseas. how will you be able to fit in? is there an expat community. if not will you be comfortable without one? what about infrastructure? is internet allow to skype, video talk with friends back home? what is cost of living? what is the climate life? what exactly are you looking for in your life-style. we kind of weigh all these things. we go to our correspondents around the world and talk about how all of the countries they left in fit into these categories and how we come up with these great places where you can live inexpensively and enjoy your life. gerri: one last question geoff we get to the list dan. you guys live internationally. where do you live and how did you pick it? >> right now we live in ecuador in a little town and it kind of picked up. gerri: there you are.

>> the first place we went 14 years ago was ecuador. we traveled the country. we saw the little village. five years ago we went back and fell in love wit. we found a condo there that was so chief we couldn't past it up. we're living the life up 8,000 feet in the and address in a leather craft village -- andes. gerri: saving a ton of dough no doubt. we'll start with number five. susan what is your number five pick. >> number five is costa rica. that is a place u.s. retirees in particular have been moving to for decade for all the regions you might imagine. gerri: looks so prettier. >> beautiful beaches. >> looking at picture, looking away from the camera, because the beaches are so amazing looking. number four, malaysia dan tell me, kuala lumpur? >> it is just coming up on the radar. north americans don't usually think of southeast asia. it is playground for brits and australians. but cost of living is incredible

cheap and quality of life is astounding. bang for buck. gerri: dan what language do i have to speak there? >> well, you can get by quite well with english oddly enough because the brits and aussies have been there for years and years and years. so it is real easy to get by. gerri: susan, mexico, what do you like in mexico? >> well we love mexico. we have actually lived in three places in mexico. mexico of course, everybody from the united states some people have traveled there. they're familiar with the culture, the food. all of that. beautiful beaches. beautiful mountain areas too where the cost of living can be low and culture is just really fabulous. so mexico is a place that people are familiar with. they say there are as many as a million u.s. expats living in mexico. plenty of canadians too. gerri: that's a lot. okay, i hear a lot of people are moving to panama, dan. that is your number two pick. >> panama is so familiar with

north americans because they have had the panama canal there for a century. and it's the hub of the world. almost every culture in the world is represented somewhere in panama. just easy to settle into. and you can get anything you want there. it is a world class, world class country and world class city. >> yeah. panama has a great retirement program with lots of benefits and discounts if you're a person of a certain age to be in panama. gerri: i like discount. last choice is ecuador. told us about it before. great list, guys. people love this segment. when ever they do it they want to see what your picks are. thanks for coming back on the show, dan and susan, appreciate night our pleasure. of the thanks, gerri. >> bye. gerri: if living overseas is not in the cards for your retirement years, we have a look at the best states to set up shun after you're done work. this list thanks to our friends at bankrate.com. the site took into account usual things weather, access to

health care, cost of living, including taxes there and crime rate. if you think traditional retiree spots like arizona or florida top the list nope. it is different. number five, wyoming with lowest taxes in the country. number four, new york dach, are the happiest. -- north dakota. utah is the next and national parks and excellent skiing. same can be said for number two colorado. take a look at that, number one state to retire to, they ever would have guessed this, south dakota. it was ranked highest with health care quality and second to north dakota on well-being index. other states on the list nebraska, and montana. i guess we have to move west, people. coming up tomorrow our user guide to stretching retirement dollars continues. whether you should manage your own money or get a help from a professional in retirement. still to come, my two cents more. could losing weight be as simple as eating the right time of day.

don't you wish that could be true? we dig into a new theory of dieting next. ♪

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gerri: if you're a midnight snacker, listen up. a new study suggests that the key to staying thin may not be about what you eat but when you eat it. here with more on their findings is registered dietician and owner of kcko kickboxing in lyndhurst, new jersey. jacqueline gomes. great to see you. this study says it is all about when you eat and how long your eating day is. >> right. >> explain that to me. >> the study was based on how time restricted eating affects not only weight management but

also metabolic disease. the study was done on mice. they were put into several groups. >> four groups. >> four groups. one of eating whenever, so they called it eat anytime group. another one where it was time restricted eating of nine hours 12 hours or 15 hours. gerri: when you say time restricted -- >> that's all they had to eat. gerri: nine hours or 10. keep going. >> then another category was dietary. so they were ire on a high fat diet high-fructose, high sucrose or regular mice feed. gerri: what did they find? they found that if you have a shorter day it's better right? >> they pretty much found time restricted group had lower rates of obesity and disease and higher rated group had complications with diabetes and. gerri: what kind of complications? >> diabetes heart disease typically related to weight or

obesity. gerri: well, here is my problem though. like lot of people out there i have a long day. breakfast is at 6:30. dinner is at 8:30, maybe 9:00. how do i stay thin? >> continuing to do what you're doing. i don't really think this time restricted way of eating is realistic for the majority of people. gerri: i agree. >> i myself on the plan. i eat 7:00 a.m. my dinner is close to 9:00. i have yet to develop diabetes. gerri: you look like you're in good shape. >> i'm also pregnant. but, at same time there are many people that fall into that category. tough think about total calorie value of your day. the composition of your diet your life-style, exercise. let's not forget, the group that was able to eat whenever they wanted to, they probably weren't sleeping much either. which is also directly related to weight gain and chronic diseases. >> you think it is better though if you can, to try to close that gap? make your day shorter with your

eating? >> i think that time restricted eating does in fact play a role in weight management. gerri: not only thing right? >> it is not the only thing. it is lifestyle. if you're eating x-amount of calories that will contribute to weight gain, whether it is 12 hours, eight hours or 24 hours, the human body is probably not going to be very accommodating to that type of life-style. gerri: i'm so glad what you said because this whole thing really worried me. thanks for coming on the show. very nice to meet. >> thank you. gerri: i didn't guess you were pregnant. she is in great shape. eats as much as i do. will be right back with my two cents more with my answer to the question of the day. has your spouse committed financial infidelity? stay with us. ♪

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financial >> very interesting. log on to gerriwillis.com for your on-line question every weekday, i am one of those people who try to make your own way, i am fans of those people, self starters, the president would rather have you rely on government he wants to take away incentive. you and i know that is impossible there is no free in government programs, somebody picks up the tabitha will no doubt -- tab that will no doubt be you and me. attack on 529 plan needs to stop that is my two cents more, coming up tomorrow, user guide to stretching retired dollars

continues. that is it for willis report, thank you dvr the show if you can't catch us live, "making money" with charles payne coming up next. charles: i am charles payne you are watching "making money," wild ride continues stocks climb off canvass again ending day in green the first 3 day winning streak of the year, news of a $58 million a month stimulus from european central bank sort of turned things around we go to nicole on floor of fox phlox new york stock exchange. >> reporter: you did not know which way stock market would go today. we saw a pop in the market, coupleed with fact you got good number on wall street