jeffrey sachs are still with us.he oprah winfrey network's america's money class suze orman. and she's also author of "the money class." we'll talk about that and the it's not really a credit card. >> it's a prepaid card. >> a little controversial, beuti like what you're trying to do here. also with us from los angeles, we have screen writer and founder from the website thatminoritything.com, john ridley with us this morning. how are you? >> good morning, how are you? >> good to have you on. joe, you've been listening to the conversation. i didn't include you in must reads. did you think there was a conspiracy? >> well, i let you guys have your little bash-free enterprise and little resentment party, that's fine. that's fine. it's exciting that we've brought john ridley on because a big hollywood guy, he is the 1%. >> yeah. >> he could buy and sell all of us ten times over. john, i want to bring you into the conversation. we've got a lot of news to talk about. but before we do, there's a big question of whether this