state's dime can not do so. governor malloy travel ban. david: i can't remember a precedent for that? banning travel from a particular state. >> state fallout. david: that is it for us today. hope to see you back here tomorrow. >> hello everybody i'm gerri willis, and this is "the willis report," the show where consumers are our business. revolutionary new way to treat cancer. scientists at duke university using the polio virus to kill tumors. >> with these targeted therapies we're finding ways to alert our immune system, get rid of the bad guy. that is the cancer. gerri: a new law in indiana causing uproar. scramble now on to claire i foot religious freedom statute. >> at no time in the history of this law has it ever been allowed to discriminate against anyone. >> new report on the best savers in america. find out why folks in the middle class are outsaving the wealthy.@ also operation ruse control.

a nationwide crackdown on crooked car dealers and shady salesmen. march madness down to the final four. all that and more coming up on "the willis report" where consumers are our business. ♪ gerri: good news tonight. promising information coming out in the fight against cancer. "60 minutes" reporting on a clinical trial looking to eradicate one of the deadly forms of cancer with a former killer, the polio virus. with more on this treatment, oncologist and author of the gene therapy plan, dr. mitchell gainer. welcome back to the show, dr. mitchell. i want you to explain to us. this is super deadly cancer "60 minutes" showed the patients combating. how does polio help? >> it's a genetically modified engineered polio virus they're actually injecting into the

brain of the cancer. what it does it goes into the brain cancer cells and actually destroys the shield that the cancer forms around itself so that the immune system can't kill it. cancer is very good at shielding itself from the immune system. so this is allowing the immune system to do what it was supposed to do in the first place. gerri: so, basically the cancer masks itself. your own body never knows it is being invaded by a bad guy. this polio helps the body find out what is really happening. now is there a downside to this? could polio actually hurt you? >> absolutely not. it is a recome my adapt portfolio. it can't be transmitted from formal cells. can't be transmitted. fda approved two new drugs in the last couple months. cancer also elicits a soluable substance that activates the cancer killing immune cells.

these two new drugs actually allow those natural killers sells to begin killing the cancer again. gerri: wow. >> revolutionary. >> so you said three companies potentially have similar kinds, idea is maybe the same. maybe don't use polio. a lot of companies coming out with breakthrough technology. who are they? >> amgen is a herpes virus showing considerable good results against melanoma and other cancers. bristol-myers has a drug called, optivo, which is approved now for certain types of drug caps melanoma. merck has a drug, all of which allow the immune system to kill cancer cells. gerri: this is such great news for some families out there or potentially will be. if this works, there seems to be a lot of excitement and hope around it, how long would it take to become ubiquitously

used? how fast could people get this in the hands of doctors? >> the two new drugs that are fda approved are already in the hands of doctors. all these have fast-track designations by the fda. and, personally with my own patients i'm seeing things that i never thought i would see. gerri: all right? >> as an oncologist with new drugs. gerri: positive not negatives. >> positive, dramatic positive. gerri: all right. goodness, i'm so shocked by this and so amazed. why didn't we think of this before? >> we actually did think of it. it just took decades to develop. gerri: we used radiation chemotherapy, right? now the tests we're talking about at duke university, which is a very advanced university with cancer research and medical research generally, they have had some negative results. tell me about those. >> well, they have given polio virus to 22 people, 11 of whom have died. but there are four of those 11

that are still alive that are alive longer than six months which is extremely promising. and some look disease free. so it's a way of putting the cancer back into dormancy. recall dormancy is almost as good as a cure. gerri: if you're a person with it, you certainly think that. that's for sure. >> yeah. gerri: i need to know though is this just for brain cancer that is kind of immunology? realerting your body's defenses? >> absolutely not. it is being used against many of the most common types of cancer. it is being used against lung cancer, head and neck cancer ovarian cancer, breast cancer. i think is the wave of the future. and we're learning how to give other drugs that actually make these more powerful. so we're just seeing the tip of an iceberg here. gerri: tip of the iceberg. dr. mitch thanks for coming on the show. great to see you. i love it when we have good news for folks. more health news, united health, nation's largest medical

insurer, is planning to buy drug benefits manager can at that maran for $13 billion in cash but is it good for your health and wallet? we have owe vick roy, manhattan institute. you are coming to us from miami. you look pretty relax, my friend. >> i'm pretty relaxed. gerri: are there implications for consumers in this deal? >> yeah. so one of the big things going on in the health care world is that drug companies and biotech companies developing these new treatments they want to charge high prices. to reward themselves for all r&d. insurance companies on the other hand, want to keep prices down so they can keep insurance premiums lower and get more business. this deal, the united health deal with catamaran, it's a way of basically gaining leverage over the drug companies so they can convince those drug companies to give them rebates or discounts so that those drugs will cost less over time. gerri: so you unitedhealthcare here paying become $13 billion in cash. it is not a tiny deal.

it is very big. any implications for consumers? might it have impact on drugstore you use or what might be available to you. any other implications down the road, even if you're not a united health customer? >> again the main thing is that the prices for these drugs will be lower and there is more leverage to steer people towards generic drugs if there is effective substitute, relative to branded drug. one area is blood pressure lowering drugs or cholesterol lowering drugs. a lot of times the drugs are off patent. literally cost less to manufacture than a can of coke. they're very cheap and branded drugs can be very expensive. so insurance company can reward generic manufacturers over branded manufacturers or at least convince branded drugmakers, those newer drugs to lower the price to give consumers better deal. this could mean lower prices for consumers, mainly in terms of premiums they're seeing with insurance companies but also copays and when you go to the pharmacy what you're paying directly to spend on the

prescription drugs that you buy for everyday use. gerri: avik i'm glad to here good news coming out of the health insurance sector that's for sure. before i go, i want to talk about the supreme court. they are declining a to hear a suit over what we call death panels, what the rest of the world calls independent payment advisory boards. people laugh at me when say death panels actually exist in obamacare. they do. the supreme court will not hear this suit. what do you make of this? >> well there is a lot of debate whether these are death panels or not. but to get to the actual case this agency within medicare that was created by obamacare called the independent payment advisory board it hasn't been set up yet because it is only triggered to be set up and activate if the growth in medicare spending reach as certain threshold level. because medicare growth, the growth in medicare spending has been slow. it has been slow last couple of years. so ipab has not been turned on.

the litigants tried so complain ipab is unconstitutional, the case was thrown out pause ipab doesn't exist. they don't have standing to sue. if ipab gets activated next couple years you could see the suit come back in another form. gerri: do you expect it to be activated soon? >> not in the next year or two but perhaps three four, five as baby boomers start to retire and there is going in medicare spending again which is what the congressional budget expects. you should see growth in medicare spending as baby boomers retire. ipab will then kick in. then you will see the constitutional challenges. what litigants or plaintiffs are complaining about ipab transcends separation of powers. gives unelected bureaucrats the ability to tell congress how to medicare changed over time. arguments the plaintiffs were making that is unconstitutional. the argument is only congress can do and unelected agency

doesn't have the power over congress. gerri: the expectation that advisory board will put limits on spending what kind of care you get, what drugs you get under government payment. i'm sure we talk more about this down the road, avik. enjoy miami. >> thanks, gerri, appreciate it. gerri: thank you. a lot more to come including the feds putting the brakes on crooked car dealers, that's right. not saving enough for retirement or nest egg? not a new headline. bank rate putting numbers behind the statement. what you should be putting away coming up. tweet me @gerriwillisfbn. send me an email through our website. email at gerriwillis.com. we'll be right back.

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gerri: we know not putting money away for a rainy day can lead to financial setbacks americans are not saving. according to bank rate, half of folks are saving virtually

nothing. we have bank rate chief financial analyst, greg mcbride. great to see you. >> thanks for having me, gerri. gerri: i thought i saw reason for optimism in these numbers but you tell me what stood out to you? >> on positive side, what stood out one in four americans are saving at least 10% of their income and leading the way, middle class households. households with incomes between 50 and $75,000 a year. more than 1/3 of them are saving at least 10% of their income. i think that's, that's great. because it really shows that saving, it is not just a function of income. more a function of discipline, living within your means. that there are a lot of households across the board in all walks of life figured out how to do that. gerri: i have to tell you, i spent an entire career hearing economists tell me how stupid americans are when it comes to their money. that single fact would seem to prove them wrong. here is the sacrifice. if you're earning $50,000 a year and setting aside 15%.

that is 7500 a year or 625 a month that is a big bite in your budget. what do you think is behind this? >> well you have to pay yourself first. i think people that are successfully saving that is exactly what they're doing. having the money come out of the paycheck, go into the 401(k), go into the emergency savings account. those kind of things. they get that money working for them before they have a chance to spend it. they don't budget first and then try to save around it. they do it other way around. save first budget what is left. gerri: only way to go. you say the wealthy are not setting aside as much as the middle class possibly. >> well as a percentage of income, yeah. what we saw among the middle class, 35% of them saving at least 10% of their income. that outpaced every other income group, including higher income households. they were still doing pretty well too. again it is not just a function of income. the more you make the more you spend. so it is not necessarily that the highest income households will be those that are saving

the most at least as a percentage of income. we're seeing more of that from the middle class. even some lower middle income households, one in five of them between income between 30 and $50,000 a year they're saving at least 10% of their income so it can be done. gerri: it can be done and i've just got to ask you this because this is done with a phone survey right? so you guys have somebody call people and ask them what their savings rate are. is it possible people fudge a little bit on this? do you think some of the results people might not give you the full story? >> well, look, with any poll there is always a margin of error. you know i think if there is going to be sort of a tendency is fib it will be on people that say they're saving. that kind of brings us to the bad news which is, nobody will lie and say they're not saving if they really are. we find way too many people are either not saving at all or saving barely any at all. all told nearly after the

population are not saving at all, saving a little bit or not more than 5% of the their income. that will not cut it. gerri: still in all i see this as really positive news out there. those numbers to me are eye-popping. i'm very glad to hear. gives us hope. if only federal government goes on a diet too that would be a great thing. greg, thanks for coming on. >> thank you, gerri. gerri: we want to know what you think. here is our question tonight. is a 15% savings rate realistic? log o gerriwillis.com. i will share the results at the end of the show. the latest fallout from the indiana religious law. the feds crack down on shady car dealers. we show you what to watch out for from hidden fees to fake odometer reads. stay with us. ♪

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gerri: naics wide crack down on crooked -- nationwide crackdown on deceptive car dealers showing deceptive contracts and fake odometer reads. there were nearly $3 million in consumer refunds and fees. here with important advice, lar run fix the car coach. what are the tactics? what are they doing? >> it is easy to get tricked. want to get out of your lease, see us for a dollar, get you out of your lease, put you into a new car. i got six months left i'm in. always say my big rule of thumb with a print giveth the small print taketh away. gerri: absolutely. >> the little details, you didn't look what the monthly payment is? look at break down of it. when you see it, you see rest of your loan payments, if your

lease payments are spread out across the life of the loan. gerri: sneaky liars in other words. >> yes. gerri: look at false ads. there is a lot of advertising that isn't true. >> right. gerri: this is murano. >> what happens is, a lot of times you can come in and we'll do, $99 a month. you think for a murano? that is a great car! $9,000 off and you're thinking, they're getting rid of old inventory. i will get a good deal with little bit of money. those are good deals. 0% financing and zero payments down, start reading all of these, i am paying a heck of a lot of money. be careful of the end of a lease. sometimes the payment or balloon at end could be thousands of dollars to trade in your vehicle. that would be extremely expensive. gerri: all right. so, real mess for folks out there. there are also deceptive loan practices. you mentioned some of that before. any others you want to mention? >> the supplement at that. gerri: what is that?

>> you're closing. do you want to get tires for life and we can get you extended warranty because you drive a lot of miles. there are tons of them. clear coat paint and scotchguarding. look at all the little supplement extended warranties it can get very expensive. make sure you make sure those boxes are not checked if you did not want them. they will figure that in. finance insurance person, their job is to get as much out of this loan as they can. if you're running through the manufacturers like ford credit or something like that, they are going to check your credit rating everything is good. using outside company because your credit rating may not be that good you have to really read those small fine details. >> the all right. so you mentioned the sum supplemental warranties. biggest piece of advice spotting bad guys. you don't know. you're walking into a dealership. you have no idea. >> you can go on the internet and chick and find, use, websites like yelp and all that. but the fact is i always say the first thing you want to do is find out if there has been any judgments against whatever

used car, new car dealership number one. gerri: how do you do that? >> go online. put in the name. see what people talk about. believe it or not ask other people bought cars from them. the truth is, if you're not sure, don't feel pressured by sales consultant got to buy it today, two other people are look at car. you know what? never be afraid to walk away. gerri: my reaction to that -- i'm out. >> there is another car. p.t. barnum says there is butt for every seat. there is another car out there. gerri: a butt for every seat. lincoln continental. mark fields talking about this. he was talking a little bit why this thing is coming out now. i want you to hear what he had to say and comment. here is mark field. >> okay. >> we'll call it the continental when we go into production. we're not talking about pricing or specifics on vehicle. we're showing the concept. really looking forward to getting feedback. what we're doing with this signaling what we call the future of quiet luxury. it is about elegance.

it is about effortless power when you're behind the wheel. it about having serene and relaxing interior almost a place you can chill. gerri: what do you make of that? >> details were unbelievably impressive. i was there last night. we couldn't say anything until midnight. we put all kinds of pictures. the details. led lighting. crescendo of lighting. luxury is amazing. they will sell a ton of these in china. gerri: i'm all about the interior. >> 30-way seats. gerri: what? >> talking about split lumbar and thigh support and heated and massaged and cooling. fabulous car. this is really close to what production is. i've been told by people, i won't mention names this is really close to what you'll see. gerri: take what they designed and put it on the street. how much will i pay for this. >> that we don't know. rumor on the street we don't know what the platform or power other than three liter turbo. we're talking about $100,000. gerri: $100,000? >> they buy those in german cars. like a bentley.

gerri: $100,000. >> average person will not buy this car. luxury car. supposed to destress you. the car is so wonderful. but i have to say, they're smart. gerri: $100,000 car would not destress me. it would stress me. >> payments would stress me. you are looking at cadillac coming in. they want to go after germans. lincoln says we're not. we're going after elegance and luxury. there is no one in the marketplace. gerri: where this will be sold? >> this will be sold in china. gerri: a big, big car is very popular there. >> to own a lincoln in china is considered to be sign of success. that's why cadillac sells there as well. >> very interesting. world just keeps on changing. >> yes it does. gerri: thanks for coming on. kind to tell us about crooked and shady dealers. >> read the print, fine print. gerri: big print and little print. see you wednesday from the new york auto show. so excited about that. >> me too. gerri: tonight on all new "strange inheritance," a former that -- farmer with unusual hobby dies and leaves his family a huge collection of tractors. >> i wish we would have even had

just a couple days to ask him some questions that would have helped us make sure we made decisions that how he wished for them to be made. and obviously the more people involved the harder that decision becomes. you would have to know there were some bumpy roads that we traveled there. >> wow. then jamie colby meet as woman who inherited one-of-a-kind portraits of survivors of the battle of little bighorn. along with some of their secrets. find out what happens on all new "strange inheritance" monday begins 9:00 p.m. and midnight tonight on fox business network. coming up authorities are learning more about the mental health of the copilot of the doomed german wing plane. next, lawmakers in indiana backtracking on the state's new religious objections law. what it means for business and consumers. stay with us. ♪ ♪ ♪ (under loud music) this is the place. ♪ ♪ ♪ their beard salve is made from ♪ ♪ ♪ sustainable tea tree oil and kale...

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♪ gerri: welcome back to the willis report. in a moment, the latest on the fight over indiana's controversial religion law. time now for a look at other stories in the news. one person is dead after a car containing two men dressed as women tried to ram a gate at fort meade. the incident is not believed to be related to terrorism. a computer outage causing delays for its passengers has been resolved. and personal income spending. income rising by a solid half in february. matching january's rise. and comedy central named trevor noah as jon stewart's real estate jon

stewart's recomplaivment. replacement. the backlash over indiana's freedom religious law continues. despite lawmakers working on a law to clarify the controversial law. connecticut has been the first stay to boycott the law. david malloy banning travel to the hoosier state a while ago. an article on market watch which we found interesting by brett. brett, we hear a lot of sound and noise and people talking about a law i don't think they've ever read. tell me this, first off. tell me this, first off. did indiana pass an antigay law? >> no. no. 99% of what you're hearing is total rubbish. what's amazing to me is you know the longer i've been watching this. twitter contributes to this more and more. last week when the law

was past, a lot of responsible journalists should have called around law professors who are experts on the law. they all said the same thing. this is not an antigay law. this is the game laws you see in 30 other states. there's nothing especially remarkable. let me give you an illustration. one law professor, first of all, thought it was an antigay law but said to me, well, i haven't read the law i'm basing it only what i've heard in public debate and tv and so on. >> thatthat's what i was worried about. so tell me this, explain this to me, if you will what was the purpose of the law? >> the purpose of the law is to offer individuals a defense of religious freedom if they're pressured by the government to do something that goes against their religion. the law basically says the government can't force you to do

something that's against a deeply held religious opinion without a good reason to do so. now, a good reason may include fighting discrimination. and, in fact, in washington state, which is i think the only place that that has actually tested this in the gay marriage -- in fact, it was a florist providing flowers for a gay wedding the court sided with the gay couple and said you can't -- the state has a legitimate interest in preventing discrimination. so the purpose is to say, look, the government can't force you to go against your religion without a good reason to do so. i mean frankly the really interesting question is not why 30 states have them on the books, but why 20 others don't. >> let's show the maps of those that have this law on the books. what was particularly interesting in your article was the examples of how these laws have been used to protect the religious freedoms of people who i think most liberals would agree

that you would want to protect their rights. >> yeah. let me give you a classic example cited by a couple of professors which i looked up online before writing about it. a school in texas had a short hair policy for boys. one of the students was native american and he said, look that's against my religion. my religion requires me to have long hair. the school said we don't care. we have a short hair policy. he defended himself on the freedom religious law and won. the court said, look the schools right to impose an order on appearance and so forth it's strong that it overrides his religious freedom. a prisoner who was. in the prison, they had a clean-shaven policy for whatever reason and he said, look, i'm a muslim, i have to have at least a short beard, and he took him to court under religious freedom law. and he won. the court said, look,

maybe suppose prisons could hide drugs in a long beard. in a short beard there's no overriding interest. ever since plato people have been debating my personal freedom against your personal freedom. this is an old -- >> quick question for you before you go. >> yep. gerri: so corporate america is standing up now, apple's tim cook saying, you know, this isn't right. there are companies that is we won't do business with indiana. washington saying, you can't go to indiana on the state budget. why is this? are you saying it's just a complete misapprehension of what this law is all about? >> it is a -- a cyber trance, i call it. everyone has been hypnotiesed by twitter. to think everything going on there is real. people have jumped on the bandwagon. they're afraid to stand up. the good news is this kind of nonsense blows itself out. three weeks from now

everyone will completely have forgotten about this. and they'll be outraged about dolce & gabbana and everything else. >> it shows you the power of business. when tim cook said this isn't right. the state backing away and saying, we'll change it. thank you for coming on the show, brett. >> great to be here. >> when we come back, the latest investigation into the plane crash in the french alps. the deadline for diplomats to hammer out a deal for a nuclear program with iran. here's a consumer gauge with the numbers that mean the most to you. check it out. ♪

>> the deadline to sign a nuclear deal with iran is tomorrow. and all sides seem to be far apart. iran today made more demands is backing away from a key concession.

critic of any deal says it does nothing from stopping the iranians from creating a nuclear deal if they want to. fox news contributor fred. fred great to see you. this is such a confounding story. iran backing away from some of the things they said just days ago that they would actually do. what are those things. what does it tell you that iran is now saying, not so much? >> well, it was one you were hinting at. that is a fundamental one. that is attentively the irannians had agreed to ship a huge amount of uranium to russia where it would be turned into fuel rods that would then be sent back to iran but in civilian nuclear power plants. in other words, to produce domestic power. now the iranians say they don't want to do that. and this is really an important concession, if it's made. now, americans say well we're still negotiating this. but the iranians are figuring, of course,

that look, they want a deal more than we do. so we'll get it as much as we can now. another thing, of course, one of the key things to know everything iran has done in the past, how advanced their technology is. how broad their nuclear program is, if you don't know that, you don't know how quickly they can get a nuclear weapon. but the iranians are backing away from that. you know -- >> i have to tell you fred i look at the missed signals that the obama administration has failed to pick up on, and israel and yemen, all across the region, and i think, how the heck are we going to know anything about iran's nuclear capabilities if we don't know this other stuff going on? >> well, you know the other stuff that you talk about iran, you know really expanding as an imperial power all over the middle east, that's not covered. ballistic missiles that can carry a nuclear weapon to western europe and ultimately to the united states if iran

has a nuclear weapon that's not covered. so much isn't covered. and, of course, the iranians want less and less to be covered. what they want most is to have the sanctions relieved. the economic sanctions. which didn't work. as many havesome have already been thrown out. they want them at the beginning of the deal. not after five years or ten years. not after they've been tested to see if they comply with the agreement. >> i don't see them coming forward with much of anything. what speaker john boehner had to say this weekend in reaction. here's john boehner. >> we have a regime that's never kept their word over anything. i just don't understand why we would sign an agreement with a group of people who in my opinion have no intention of keeping their word. >> what's your reaction? >> it's hard to argue with that. leon panetta said when he was a cia director

one thing he learned the iranians can't be trusted. you know, they can't be trusted -- hidden facilities have been discovered over the years in iran, but never by the inspectors, only when the iranians dissidents let us know there have been facilities that have not been disclosed by iranians. >> unbelievable to me. i'm afraid we'll take anything they give us and put our john hancock on the bottom line, fred. thank you for coming on and talking to us about it. we appreciate your time. >> you're welcome. >> in other news tonight, stunning new revelations in the case of german flight 9525. the co-pilot who deliberately crashed the plane has been treated for suicidal tendencies years before he earned his pilot's license. new criticisms mount on how the cockpit door is secured. are the post 9/11 rules keeping the bad guys out? we have up to the minute

analysis with a pilot and aviation expert. sal, welcome to the show. great to have you here. >> thank you. gerri: so this poor twisted pilot who took so many people with him when he committed suicide he failed to self-report some of the problems he was having. should we have confidence in any self-reporting regime. >> we certainly should in this country. we have thousands of very dedicated pilots. probably the most scrutinized profession in the world. >> not when it comes to mental health. >> not necessarily mental health but certainly in the drug regime that the mental health brings on. there's no way in this country that that would not have been reported to the faa and eventually the airlines. >> but why not because it's required in europe and yet it didn't happen there? >> it happens here. it happens on every major medical that a pilot has to take every six months. and has to self-report any medication he's taking and then he's tested for those medications.

gerri: so lufthansa here had some information not all the information they needed. is there any culpability, we're hearing about lawsuits. >> the lawsuits will be successful. you can bet on that. there's a montreal convention that controls some of this. the airline will be sued but anybody who had any ancillary involvement in his training will be sued. >> so many airlines go under because of situations like this. >> hard to say if it will happen to lufthansa. up until this event they've been fine. a safe airline. >> let's change and talk about the cockpit door. this is a problem we thought we solved after 9/11. we made sure you couldn't get into it. maybe it's important to get out. tell me what you make of the cockpit doors as they are right now. should they be changed? >> i think this is a good point to make that we shouldn't have too

many unintended consequences with quick fixes we do make. we don't need quick fixes here. had we had two people in the cockpit in germany at this time, we probably wouldn't have had this incident occur at all. that's what we have in the united states. you can see now airline after airline worldwide are switching to that policy. >> let's talk about the door. we're showing video right now of the keypad where you toggle in the numbers. tell us about that. >> having listened to the transcript, you can see the pilot tried to open the door by knocking on it. he tried to use the intercom. then tried to use the code. the door should have let the door in ten seconds. the pilot inside the pilot who crashed the plane had overrighted that ten-second code. did that not once but more than once. >> hoarnlingshow do we prevent that from happening >> the second person would stopped the pilot long enough to get the

pilot in and locked unlocked the door at that point. >> this year's biggest tournament is down to the final four. what to expect as kentucky wisconsin, duke and michigan state face off this week. that's next. ♪

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♪ >> the ncaa final four is set. it's five days from tip-off in indianapolis after a historic start to the tournament. three number one seeds have advanced. only the fifth time that's ever happened. here with his predictions, radio host jt the brick. welcome back. mystery,mister, you've been telling me about kentucky all along. >> they were battle tested. that game against notre

dame, they should have lost. they were outplayed the majority of the game they needed an incredible final two minutes to get to the final four. who is waiting for them? wisconsin, a team they beat last year by one point. no team in the tournament wanted kentucky more than wisconsin. and if they beat wisconsin most likely duke or michigan state but probably duke waiting for them. if kentucky will do it, these next two days will be the ultimate test. if they do, it will be one of the gre have. >> do you think that will happen? do you think kentucky will go the whole way? >> yeah. i always thought kentucky was clearly the best team. when you're in a six-game tournament and you're the number one seed, you may only have to win three really good games. i didn't expect kentucky to be tested by notre dame after west virginia. this is a game i was talking about. when the bracket came out, one game i wanted to see was kentucky and wisconsin. we'll get that on saturday. >> michigan state. big surpriser here. was that on your list?

>> it wasn't on most people's lists. even the coach. who has been to seven final fours in seven years. he'll be the first to tell you, this is not the team to make this run. the fans didn't expect it. maybe they win two games in the tournament. they are the cinderella team. how about the coach? >> let's talk about that. yeah, this is unbelievable. you know, the coaches here. tell us about how many times -- return and return and return. right? >> yeah. these are the best of the best. bull ryan at wisconsin. battle tested. been to the final four in the past. coach kay. twelve final fours. tom seems to get michigan state to play his best when the tournament begins. then john, the best recruiter and he can go down in history with a 40-zero team that won the championship and probably leapfrog. reat coaches before him.

it's rare when you talk about the coaches more than the players. that's what this final four is about. the coaches and their star power. >> that's exactly what i wanted to ask you. i'm used to hearing the players and players. the coaches play an incredible role. is that typically true? >> yes, it is. because these student athletes -- again i say student athletes. if they're going to class and prepping for life. they will have distractions. the coaches have to stabilize them and get them ready to play. when you have an extra week. when you get to the final four. you have five or six days to prepare. coaching is critical. there's not much of an edge when it comes to tom and mike going against john. these coaches are a list a plus coaches at the top of their game. >> thank you coming on the show. now, we want to hear from you. according to a bank rate report, only one in seven folks are saving 15%. but is that realistic? here's what you are

tweeting me about our poll question. here's what anthony says: it should be 25%. anything else doesn't cut the mustard. 10% should go into retirement savings and 5% into an emergency savings account. emergency savings protects the retirement dollars. and on facebook, patrick: i say 10% of monthly income before any other obligation. tough love here. david says, it depends upon where you are in your career. 10% is excellent to start with. it should rise. after 51, contribute as much as possible. it will take a whole lot to get through retirement. that's for sure. in addition to following me on twitter and facebook, be sure to like fox business on facebook. we'll be right back. ♪

>> well, according to a survey from bank rate we talked about tonight, half of americans are saving 5% or less of their incomes while bank

rate recommends 15%. is that realistic? we asked this on gerriwillis.com. 40% said yes. 60% said no. interesting. log on to gerriwillis.com for our online question every weekday. i've spent the better part of my career having economists tell me just how dumb americans are when it comes to money. those ivory towered geeks are all wrong. a third of middle class americans earning 50,000 to $75,000 are setting aside ten to 15% of their income for a rainy day. lower income households are saving more too. we learned a lot from the great depression and the market crash. we understand the power of filling the piggy bank. no word on if economists are saving more. that's my "2 cents more." don't forget to dvr the show if you can't catch us live. "making money" with charles payne is coming up next. have a great night. we'll see you right back here tomorrow.

♪ ♪ charles: i'm charles payne you're watching "making money." the dow up 260 points. more money printing abroad. oversold conditions. what about our fed? a confusing message last friday. if underlying conditions had returned to normal the economy should have been booming. that was janet yellen. friday, 3:45. nobody would say the us is booming. but when compared to other economies in the world, take a look at this. this is the last three months. the united states far far outpacing everyone else. it looks like a rocket ship there but we know it's not. in fact, not every -- everybody in business knows their own business. right? so here's the thing that really bothers me a lot. since