deena carr--founder of finance according to your faith joins us on set this morning. it seems to be young people that are cashing out too soon. why do you think that's happening? >>i think there are obvious reasons that the last downturn really took a hard hit on our younger generation. they were coming out of college, they stepped into situations where they thought they weren't gonna have to move back home. many of them moved back home and they were either unemployed or they were underemployed. so when they did get a job the savings that they should have been able to accumulate they really haven't been able to accumulate over time. >>so perhaps they have these 401k's and then they leave the company or heaven forbid the company goes under. what should their plan of attack be? to roll it over into something else and keep it as an investment, correct? >>absolutely. the younger you are that compounding works for you. if you can roll it over into an investmentand companies like fidelity are great at helping people roll over very easily. but all too often they make the dec