>> i mean, that's tough but that's reality. we talk about the dream of making it, but too often, it becomes a nightmare. and we work so hard and put so much into it. and just making some subtle changes to your lifestyle, just some education. that's why i'm so excited to work and partner with morgan stanley to go out and get kids at a collegiate level to give them the information before all the leeches come on and they can't hear you. when they become a professional, they don't know who to trust but get to them early and i think if you establish a relationship with them, set ground rules, get a general understanding, you give them options and tools to make an informed decision. athletes are cultural. if we get information, i think we let these kids come out and make millions of dollars for games and say, you got it from here. >> you've been in the middle of this. what's it like to be at the top of the game, try to be performing and not know what you're doing with the stuff? maybe not necessarily have a

background in financial. >> a lot of times, we're the first people. the members of our family, our household to go to college. we can't go back and ask our parents what to do with it. so it's just uninformed decisions and what happens is a lot of us come from urban areas and we're used to seeing the schemes but we become prey to businessmen, people that are far more educated and it sounds good and athletes a lot of times so prideful, they don't want to admit they don't understand it, they don't know. >> you work with a lot of athletes including people like antoine walker, who had $108 million that he lost and went into bankruptcy on these issues. how do you possibly tell someone to start over after a huge whip saw like that. >> the antoine situation, it's about the educational perspective. we brought bart and antoine on board and be involved with the program so as bart indicated, we could go out, educate individuals at an early age.

you know, antoine had a scenario where people can relate to where he came from being this all-star high school player and then going to college, but it's all about having a solid foundation and getting that early out of the gate so you can make smart decisions and have good discipline in place when these things come at you. these careers are very short-lived and these individuals are making decisions at very young ages and the sooner they can get information that provides them to be a lot smarter about their finances is all about why we created this program with morgan stanley global support system. >> it's probably the same thing for other individuals too. not just athletes. >> we look at lottery winners, right? they just get a bunch of money. they don't know what to do with it. they become prey as well. young entertainers, actors. knowledge is power. >> what lessons have you learned along the way besides that? is there something you wish you would have done differently knowing what you know now? >> making sure that i'm more informed. i made some silly financial

i mean, we can all say that at a young age. you give a 19 or 20-year-old a million dollars, he thinks it's a million dollars but you learn about taxation, you learn about insurance. how to protect yourself. how to have emergency funds if something happens bad. most still have to come out and get another occupation where we finish. >> bart, joe, thank you. >> greatly appreciate it. now here's a look at what's making news as we head into a new week "on the money." the federal reserve did what it's done for the last seven years this week and kept interest rates near zero. that is much anticipated meeting this week, the fed left rates unchanged. many had expected an increase of about a quarter of a percent, but the fed cited a weak global economy and low inflation. members say the hike is likely by the end of the year. of course, there are two more meetings scheduled this year. the fed's non-movement didn't do much for stocks. the dow falling after a surge earlier in the week.

the markets continue to fall on friday. americans kept spending in august. retail sales rose 2.10% this week. strong gains in retail. always closely watched because consumers make up more than two-thirds of the u.s. economy. and a long awaited facebook dislike button may be in the works. ceo mark zuckerberg said they're working on it but the exact form of what it will say is unclear. people are worried about additional cyberbullying. up next "on the money," it started as an idea. the clothing store just for moms. meet the stay-at-home mom who built the company from scratch. later, most of your waking life is spent at work but more than half of all americans are unhappy at their job. what motivates good workers? we're going to find out. as we head to a break, let's

18 years ago, former third grade teacher was a stay-at-home mom in minnesota with an idea for a start-up. no retail experience, but she opened a clothing store for women like her. young and busy moms and she called it hot mama. today, after a name change, she is the ceo of every, an online retail change with more than 700 employees. megan, thank you so much for being here today. >> thank you. >> what i love about your story is that, how you came up with this idea, how you came up with your dream and pursued it. what happened? this was 18 years ago and where were you at that point? >> truly, i was a stay-at-home mom mom, very happy to be home with my kids, but at the same time, i was feeling a little slumpy, like i needed a little fashion in my life. so i decided to go out shopping and to find some clothing that i would feel good in and had a disastrous trip to the shopping mall as a mom with kids. on the way home from that really

bad trip, i had this idea that hit me. i thought there should be a retail brand that made fashion accessible to moms because i was just so busy taking care of my family and loving my family, i didn't have a lot of time for fashion. but i wanted fashion. beautiful. and i felt like there was no retailer that was really addressing this lifestyle of a mom. and quite honestly, for seven years, i dreamed about this time. and would talk about it and years. >> i love the name hot mama. when i was first went into the cute. you changed it. why? >> although we love hot mama and meant so much to us, some people when they heard hot mama, they thought we were a maternity store. yeah. yeah, and we're not a maternity store. so we wanted people to know we are a store for moms. we are a company that is on a

mission to help moms realize their beauty and their power and celebrate motherhood. but we are not maternity. we changed our name to address that. >> that's an issue with the web site too, right? >> hot mama, might not want to go to the web site. so every's right now and we changed our name about a year ago. and we're so thrilled. zl >> you have stores and online both. >> 60 stores coast to coast. >> another 21 states by next spring you're thinking. so you're looking at taking the next step at this point. >> we are and growing our ecommerce business and we have, we just launched a new shop, a new way to shop called transcend. it's a shopping service. it's a styling service we will send boxes to moms, to women, and we'll pull outfits, our styles in our stores pull outfits for them and send them product to tear home to shop at home and send what they don't want back.

>> you started this when your kids were young. think about it? >> my daughter went to college. and i think a lot of times, people think that she's seen the glory of building a business, but really, what our kids have seen is a lot of fear, a lot of risk, a lot of conversations in our house about being brave and being courageous. and shares your story. so i think they've gotten their mba at the dinner table for sure. which has been fun. but i think they've seen their mom and dad because my husband is involved in this as i am. i think they've seen us partner together and build something beautiful. and it's not always easy. i think they've seen that. >> in fact, it's not easy. you've learned i'm sure a lot of lessons along the way. if there was advice to give to someone else they think might make a difference too, what would you tell them? >> i think it needs to be for me. i did not put out to make a lot of money or become a ceo of a

fashion brand. i really, my heart was so much about helping moms realize how beautiful and powerful they are. so i think that idea of finding work, something that you believe in that really is meaningful makes work so much fun. and i would say just go after that purpose and that meaning, that greater idea. it's made this whole thing so much fun because i really care about helping moms. much for your time. >> well, thank you. up next, we are "on the money." beyond the paycheck. what makes a job rewarding? coming up, the professor with

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in his new book, why we work, college professor barry schwartz breaks down why so many of us are unhappy in our jobs and how to change that. thank you for being here. i think it was shocking showed 90% of americans either not engaged or actively disengaged when it comes to work. >> 90% of employees in the world. it's slightly better in the u.s. >> why do we hate our jobs so much? >> because nobody has tried to make jobs that are worth liking. there's an assumption that has guided the development of the private sector for centuries that the only reason anybody works to get paid, and as long as you're getting paid, it doesn't matter what you do. >> what do people want more of at work? >> several things. first of all, they want to do work they think the meaningful. the work that has some positive effect on other people. they want work where they have some control, discretion, and autonomy.

by the people they work with and the people who supervise them. they want work to have an opportunity to learn, develop, and grow. they also want a paycheck, of course they do, but a paycheck is not a substitute for these other things. and we've acted as if you get the pay right, you don't have to worry about what the job is. >> that description seems like it would work and you've been pointing out it would work if you are a doctor and suddenly, give up working at a curby shy job. how does it translate to the people at a safe spot and don't need the income? >> i deliberately discussed people who do the kind of work who you might think offers no opportunity for this sort of rich, engaging life. hospitals. their job is wash floors, wax blah. just what you would expect but some of them think their job is

patients to laugh, to ease the anxiety of the patient's families. none of that is in their job description. but they think their job is doing whatever i can to make the hospital run better. so as a hospital janitor, the lowest of the low in the hierarchy there can get meaning and satisfaction out of that work, then potentially you can find it in almost anywhere. >> one of the best places to work in places that are doing things like that this is? >> one place that's spectacular from everything i can see and everything i've read is the container store. and all it is is retail. they're no different from any other retail except that when you walk in there, they think the most important thing in the world is to make sure that you leave with exactly what you need, nothing more and nothing less. >> don't feel like you're pulling one over on somebody. over. you're trying to satisfy a consumer need or desire.

every time you succeed, you've improved that person's day but seldom get encouraged to have that attitude by the people who supervise you. >> thank you. it certainly made me think and i hope people check out your book again. why we work. thank you so much. next "on the money," news for the week ahead and technology, keep your credit cards safer.

for more on our show and our guests, go to our web site. otm.cnbc.com. existing home sales for august. tuesday, pope francis arrives in washington, dc for a six day u.s. visit that also includes new york and philadelphia. wednesday, you can kiss summer good-bye. that's right. boohoo. autumn officially begins. on thursday, we'll be getting new home sales for august. also on thursday, durable goods orders for august are due, things like appliances that don't have to be purchased frequently and friday, the second read of the gross domestic product for the second quarter of the year. a new credit card or debit card in the mail recently, you're not alone. a shift to a new technology that should make transactions safer. in addition to the usual magnetic stripe, these cards have an embedded computer chip and should be in place by

senior personal finance correspondent zwroin joins us with more. i haven't turned it on yet. i guess that's the next thing i have to do. >> definitely activate that card. the goal is to provide consumers greater protection against fraud and card fraud $8.5 billion a year. card issuers are taking action to make it more difficult to counterfeit these cards with new technology called emv which stands for euro pay mastercard and visa. the credit card companies came up with the standard but many consumers don't know exactly how it works. >> is it like a chip in a credit card? >> i know it's for protection. >> a few as replacements. it was the last few for credit card companies. >> on chip or credit card an added layer of protection against fraud. >> it's harder to make an actual replica of that credit card. and it creates a unique transaction code that's passed to the merchant every time you

so that means the merchant will have a lot less of your usable data. >> that small metallic square on the front makes it more secure. when point of sale terminal, the chip creates a new transaction code for every purchase you make. >> there's so many steel in the transaction code, it tries to use it someplace else to make a purchase, it won't do them any good. it's essentially like having an expired password. >> upgraded terminals can cost 200 to $100,000 per advice according to the reserve bank. a hefty expensive for small business owners slowly starting to transition. >> this machine doesn't accept chip cards. but i would contact the merchant service to upgrade it to a new machine to accept the chip. >> because as of october 1st, if there is card fraud and a store has not changed the system to accept chip technology, the

merchant, not the card issuer or payment processer, could be held liable. >> if a merchant doesn't have a terminal that accepts emv cards and there's an instance of fraud there, then that merchant is likely to bear the liability and that's a big change from the past. >> another big change? no more swiping the card along the magnetic strip. instead, you'll dip, so the terminal can read the new chip. you'll still have to sign or enter a pin number for your transaction, but what you do will depend on the verification method that is tied to your new chip card, not whether your card is a debit card or credit card. that's the change. >> i know they've been using this technology overseas and credited with cutting back on fraud but part of the reason for that is our cards were so much easier to hack. if we all raised to the same standard, give us the extra protection. >> it will definitely give us extra protection at the brick

folks are saying it may not give much protection when it comes to online card fraud and we see an increase in that several billion dollars a year in the cost of that. so we are going to see some protections. it's in the cyber world. >> thank you so much. that's the show for today. i'm becky quick. thank you so much for joining me. next week, are you in the market for a new car? yeah, i am. should you buy or lease? we'll tell you what you need to know to get the best deal. there's information i need to know. each week, keep it here. we're pope francis prepares to celebrate mass in cuba. the pontiff's message to the people as he tours that communist nation. and a special honor for a fallen nypd officer in far rockaway.

>> i'm pat battle, "today in new

now on "today in new york," pope francis prepares to celebrate mass, his first full day in cuba. and a fallen police officer remembered by the community he served. and a woman claims she was

fined by the mta for following the instructions. and she said i'm going to get baquero. it's sunday, the 20th of september. the month is flying abuy. >> i'm pat battle. >> i'm gus rosendale. the month moving away from us here and fall weather moving in. raphael has that. >> yesterday it was sticky and warm outso ide. today it's a breezy and beautiful afternoon. you can see in your weather headlines, winds kicking up out of the north. fresh air moving in. increasing sunshine throughout the day. the dry weather goes on and on. we need rain, we won't get it any time soon. we have a cold front moving through, lots of clouds out there. one or two showers, very spotty. not a lot of heavy rain. most of us are dry. the clouds and shower chance

if you live east of new york city. a beautiful day ahead. 73 outside now. headed back to the 70s for lunch lime lunchtime. breezy and beautiful. the humidity is definitely lower. we'll look at the seven-day forecast in just a few. over to you. >> that's a forecast. thank you. in just a few hours, pope francis will host mass in havana's revolutionary square. >> he arrived in cuba yesterday. >> today darlene rodriguez begins our coverage from cuba with the message pope francis brought to the people. >> reporter: the papal plane taxied down the runway carrying the flags of cuba and the vatican. while he briefly lost his hat, he didn't lose his high spirits. a marching band playing the

carpet and children with flowers greeted the holy father on his first ever visit to cuba. [ speaking foreign language ] >> reporter: speaking in his native spanish, pope francis said it was the wish of pope john paul ii with his ard ppeal for the magnificent possibility for cuba to open the world. castro made headlines suggesting because of this pope he could possibly become catholic once again was at the international airport to greet the pontiff. president castro said the cuban land and country are receiving the pope with profound love, affection, respect and hospital hospitality hospitality. but when pope francis took to the streets in the hope mobile, 100,000 cubans came to see the holy father. many of them here. >> it's very important for the cuban people, this visit. >> this is the very, very

important moment and it's a