now a tweet from adilio.ve a write up explaining why first i do want an index, an s&p 500 and then i want you to put your first 10,000 there and continue to use that as your retirement vehicle but try to pick some of the best stocks that would normally be in etf. i trust you. you watch the show not den grading mutual funds up next is a tweet from sc bowles the reason i like "get rich carefully. is because it is an in-depth look the mistakes that i made and i detailed them all so you can learn from them. here is a tweet from eric wolfe. if i see 10% shortage, something could be wrong that is what the percentage is that i look for. coach beardson tweeted what do you recommend to keep squirrels out of the garden. >> i have triple fence, boxes and chicken wire and they don't get in. and my other box they get in and spend way too much thinking about fencing. it is a preoccupation of mine. muees ilyas. the index funds are better and you can lower at times and lower how much index fund exposure and raise cash that i