>> bela. >> bela. how are you honey? how old are you?> 4. >> i understand that you might be going to harvard some day. that's expensive? that is what you want to know about? how do you pay for these two in college. tell us what you've been thinking. what you've been trying to process what you're going to do here. pretty expensive for two of them in college? >> absolutely. just kind of looking at just saving as much as we can. we're trying to figure out what options are out there to save more to get the most bang for our buck. >> the big thing is i always want to make sure that the two of you are saving for yourselves first. >> okay. >> the first step is to put up to $5,000 for each of you in to a roth this year. if you still have more money to save, you can open one of the college 529 plans, the 529 seayings plans. but you start by saving for yourself. because the roth has the double flexibility if they end up getting scholarships, whatever it is, you don't need any of the money for college. but you still need it for retirement. >> perfe