lisa: greg peters of pgim, thank you so much for your insights.to say, very hard to teach your kids about savings when they get nothing on it, and i do start hearing conversations like let's just bet on stocks. i am not going to try to count for my son. i will not do it. but how do you teach about fiscal responsibility and saving? paul: growing up, it was putting your money into a a savings account, and he would get a certain interest rate. lisa: and a toaster. paul: now you have to explain about negative interest rates. my son who is in high school asked me, and i'm not even sure after 20 minutes i was able to explain it to him. but that is the world we live in. lisa: i've heard some people have proposed taking a cookie from them, taking a bite, and giving it back. other people say, just charge for maintenance, as well as rent and food, and you will have more of a sense. . right now in markets, you are definitely seeing that lead higher in the everything rally, with people saying that things are not high enough yet. the idea that as earnings come