rebounded from multiple bankruptcies like larry smith here or beat all the odds in the nfl like andrew hawkinsy signed wide receiver for the cleveland browns we want to bring you positive headlines that impact your life. people are wanting to do that right away. we want to spotlight that. our next guest calls himself an average joe but he saved $60,000 on a $40,000 salary. joining me a special education teacher and financial literacy coach from georgia. author of simple book of financial wisdom, teach your kids how to live wealthy with little money. danny, welcome. >> thanks, gerri for having me on. gerri: great to have you here. all right, let's start with the story how you were able to set aside all this money. what was your savings plan? >> well, we just did a dollar-cost-average. when my wife and i tracy got married 14 years ago we started setting money aside for our retirement. every single month a set amount comes out of our paychecks before we have a chance to see it, touch it, get used to it and spend it. so it is taken out invested dollar-cost-average into mutual funds. over the cours