we're like children. ( telephone ringing ) >> deborah hair design. can i help you? >> it's not happening for anybody... >> narrator: laurie and betsy are both mothers and grandmothers who have been supporting their families. >> i've been doing an analysis of when am i going to run out of money... >> wow. >> and... and how many years. and i just spent a whole lot of money taking care of my mother. i was very generous with my family. i helped put... helped put people through college, helped keep people out of bankruptcy, and you know, thinking that that cash was going to be replenished. >> right. >> that cash it not going to be replenished. >> hi, trace. >> and how can i keep cutting back my spending? >> we'll be with you in just a few minutes, okay? >> narrator: according to deborah, she has noticed a big change in her clients in the last two years. >> i just see a lot of fear, a lot of sadness, a lot of concern. you worked very, very hard, you did everything you had to do, and it's just been struggle after struggle after struggle. >> oh, thank you. >> how you doing?