if you have a $50,000 mortgagen. it difference a month. we are seeing is rates are climbiend years,ant.t it is not this rate change. it isum nex couple of years. we have seen a lot of people refinance and getting a fixed ra w a low rate. >> sure, sure. >> so as you look ats news of te week kind of dealt a lot of peo th adds up over the decades really. i k most c seeing, jaime, across the age >> people are not saving enough. >> just not >> people need to really set up know what, spe masmarter toeokay, i know what i get paid this m wee sp l is that how you encouragepl real ck at that,ilrealize that maybe there ared smarter, that not going same coffee shop ten t a week but twice a webout automatic deduction pu couple of hundred bucks right into that behavioral standpoint, that's one of the best things te not seeing >> it does not feel like it is raises or bonuses have them account, that hopkins, big remendously, too. appreciation of this a track an offering important advicereme i at the americannancl services, for a lot of people today. today