i'm gonna go meet with josh shein. e-mortgage expert, and he's gonna introduce me to two families. hey, josh. what's up, buddy? >> hey, bob. good to see you. how are you? >> let's go meet these families we're talking about. >> that sounds great. we're gonna meet two families today who have reverse mortgages, both different circumstances. first family we're gonna meet -- bob and marge. they did a lot of retirement planning, put a lot of money away, saved a lot. >> why did you both consider to do a reverse mortgage? >> we were going to be starting to tap in to our long-term stock investment, and, in looking at it, we said, "wait a minute. that's got time to grow yet, but we have a tremendous amount of equity in our property. why not take advantage of that?" >> they made sure that when they gave us the reverse mortgage, it would never take all of the equity so that, at the end of our 10-year term, there will be a lot of equity left in the house. >> it makes life a lot more pleasant for us because, "a," we don't have a mort