. >> so just by way oexames, we have that quiz a few moments zag we heard the stunning figure for a lot of us of $260,000 in terms of healthcare over t of s. if you are an average person out there earning 30 or year, how do you begin to chip away the kind of savings that's required for something like that? >> you got to start thinking about what we call a xzavia cs e savsave sav saav start in your 20s or 30s -- to replace the same incoou or 30% a year, that's not feasible. . we have to start saving something. 10% of our salaryike a lot. >> sure. >> that's what we do to have a secure retirement and healthcare and other costs. >> it means so much more tt sam dollars when you are 48. >> hopefully, a long as we are invested properly, right? >> the othereng on people's mind and this week, the news came outme about raisi interest rates. a lot of people that obscure orm in lament terms what does the fs mean to regular people. >> it will impact you two place, one, your credit card adjust t rate change. your rate is higher andr#au will be paying more f of credit that's sitting there and you are