our crack panel of experts, jean chatzky, finishrich.com's david bach and cnbc's sharon epperson.ck to it. back across the street to sarah gore and a question from the crowd. >> hi, al. okay, so i'm here with mary kay and will. mary kay has a question about health care. what's your question? >> my question is, in this universal health care plan, how is that going to affect my bottom line? in other words, how much bang am i going to get for my health care buck? are my costs going to go up? is the quality of care going to go down? >> okay. >> you want to take this one? >> i don't think anybody knows. >> that's the problem. right now, we don't know. i mean, what the argument that the government is making in trying to change health care is that by getting more competition in to the marketplace, whether they do it with a public plan or without a public plan, consumers will benefit from the fact that insurers are supposed to compete with each other and that more people will be forced to buy coverage, so costs for each individual is supposed to come down. that's the best-case scenario. >

jean chatzky, david bach, carmen wong ulrich, thank you very much.an watch carmen's show saturday evening on "on the money." if you have questions, go to todayshow.com. >>> still to come, dave spader wants you to see something the family can enjoy, and it's just in time for vacation. but first, these messages. light & fit has 80 calories versus 100 in the other leading brand and a taste you'll find... [sluuurrrrpppp!] irresistible. light & fit. great taste, fewer calories. ♪ you don't have to be a witch either, it's true ♪ ♪ you just have to love a fun, tasty dinner ♪ ♪ and wearing some of that dinner on you. ♪ this bar is an excellent source of fiber. there's no fiber in this. it tastes too good. there is fiber. (chuckle) no. i can't taste the fiber. just chocolate. they have 35% of your daily value. hmm. oh samples. hmm. autobahn. wackenschdol. fiber one chewy bars. cardboard no. delicious yes. dinner with the girls tonight. mmm... mexican, or italian? i really want dessert tonight. i better skip breakfast. yep, this is all i need. ( stomach growls

david bach and saniyka callaway boyce, thanks very much. >>> pairing food with the right wine, but pairingt beer? it's something connoisseurs take seriously. here is gale simmons from "food and wine" magazine and judge on bravo's "top chef" which begins its sixth season on wednesday. >> great to see you. >> congratulations on a next season of the show. you are in vegas. >> we are in vegas. i have to say i loved sin city. we had such a good time there. this season is really exciting for us. the chefs are incredible, the town is amazing and it was really an amazing place to film. so much to do. we never had a moment of boredom. >> i bet a lot of beer drinking. first of all, i want to say thanks for legitimizing beer. >> yes, thank you. >> i'm one of those beer drinkers that feels funny in a nice restaurant ordering a beer instead of wine. >> you shouldn't. the same sort of rules apply. >> light beer, light meal. >> very similar. light beer, light food. the same principle you would apply to white and red wine you want to stay the same. i'll give you simple tips. this is a light meal, belgian

bach to our "squawk" hedge fund summit. leon cooperman, former partner at goldman, michael steinhardt, founding father of the hedge fund industry. you know him as chairman of wisdom tree investments as well. and daviddent of julian tiger capital management. let's pull it back to the rally we've seen. david, it's overcome things like beari bearish healed and shoulder pattern, hiccups here and there. people say the cost cuts we saw in q2 earnings are temporary, they endanger the consumer long term. he's still deleveraging. housing may have stabilized but it's not on fire. can it continue? >> it might continue for a while. the real issue is, how sustainable it is in the medium term. the question is is, can the economy get become on a reasonable growth track? and i think that that's a very difficult question to come to a strong conclusion on. >> what does it depend on? >> it depend on whether or not you have income growth, , employment growth, which we don't have now in the consumer sector. all we've had is the government stepping in, providing a lot of cash, some stimulus and changing sentiment. but the real point is that the output of goods fell so much more dramatically than final demand did that no