marty nevel from consumer estate services is here with the layup for us. good morning to you marty. >>good morning. thanks for having me. >>why talk about march madness and the connection with money at this current time? >>money is always an important topic. and just like around new years time we make new years resolutions, around this time of the year is when we usually break those resolutions. so we want to make sure that we keep in touch with our finances, stay on track, and keep in line with our goals. >>you have the final four of finances starting withmake your free throws. what is that? >>free throws will refer toa lot of people still have companies that offer 401k plans and they have a match. in order to get that match you have to contribute so much money to the 401k plan to get the match. >>and it's free money. >>and it's free money. and you don't want to give away free money. >>the you advise to make halftime adjustments. >>correct. a financial plan isn't something that you set and then forget. you have to constantly review it and update it, meet with your financial profess