. >> my name is jason poppy. i'm president of fluent wealth partners. >> thank you for being here. young people planning for the future, planning long term now, is that an oxymoron. >> ever since i was young i have always saved money and kept one my spending is. >> is that true of all of you at this young age? >> for me i try to plan as much as i can, but it really starts at the core. when you're very young you can really start to plan. once you get into college there is no learning thousand plan that easily. it is really just habit. >> there are courses in some departments but there is no universal rule that says everybody has got to take a course that does it. >> i can tell you my classmates will not really teach me or i can't really get anything from them to understand how to invest or save money. they just want to spend it. >> we kept hearing students are always strapped for cash. they don't have time to think about using or investing their money. >> like you said, you asked have you thought about it. sure. i have thought about it. but have i acted on it? not so much. it's some