my comment is people have to pay hemselves first and start saving as soon as possible. a lot of people say they don't save, but they wait until all the bills are don't have money to say. the key is paying yourself 10% you hen pay your bills and live within your means and still save. i started saving when i was in early 20s. i started putting 10% away. 20% away and i put and frankly i'm just a regular i'm approaching $8 or in my 0 in my savings investment, you can do it, just paying yourself over many, many years. host: got you, caller. thank you. guest: congratulations, that is you have been able to do that and are committed to that, that certainly will help in your retirement. you know, for a lot of people, you are right, putting money in irst, making it priority is something that is really important that people should do. for here are people, example, who lose their jobs during the great recession, a people lost their jobs, some of them had to take money to of retirement accounts basically avoid losing their homes. you can have a health shock, get again, take the mone