>> retirement. >> what you're saving for in the future. >> vacation maybe? >> yes. whatever you're saving for in the future/ finally, 15% into the extras. >> mm. >> whatever is fun for you. i'm not going to tell you how to have fun. make sure you include that in your overall budget. >> and the lattes, too. a lot of experts are saying, cut out anything extra. you're saying just the opposite. >> i think i'm the only one that advocates for the morning latte and the crew here, you're welcome. >> why is that?

"happy gut" is the name of the book. thank you. >>> coming back tomorrow, sam? >> yeah. >> we didn't scare you off? >> this has been so much fun. but i'm exhausted. >> four more days. (sot, sean kilcoyne) "a person