about what we call a xzavia cs e savsave sav saav start in your 20s or 30s -- to replace the same incoou or 30% a year, that's not feasible. . we have to start saving something. 10% of our salaryike a lot. >> sure. >> that's what we do to have a secure retirement and healthcare and other costs. >> it means so much more tt sam dollars when you are 48. >> hopefully, a long as we are invested properly, right? >> the othereng on people's mind and this week, the news came outme about raisi interest rates. a lot of people that obscure orm in lament terms what does the fs mean to regular people. >> it will impact you two place, one, your credit card adjust t rate change. your rate is higher andr#au will be paying more f of credit that's sitting there and you are borrowing. >>e whose got a credit card in their wallets of this idea costing you more money to charge month. advice is pay off that credit cards are one really, >> the other one is if you haven but not everyone. that's going to to and maybe not the fl .25 that interest rate went up. it is bit.g you will see your rate move. >> say ione o