but if you can start, and richard thalor was very, very known for his nudge concept. you nudge yourself up. start saving 2% and then just do a little bit more every six months. >> we have some other questions here. we actuall went out to the street and asked people for your questions. here is one of them right now. >> what would be the most effective way to save money without breaking the bank, basically, to be able to buy food, pay rent. how do you save with those very limited budgets? >> it's what my wife and i used to call poverty mode, back in the day. >> exactly. thers some do it yourself ways. you can automate a contribution of $25, move the money from your checking to savings account, put it on automatic pilot. >> and then deal with it in your budget. >> yes. there's also an app that i love called digit. it does this for you. you give it access to what's happening in your accounts. but it has a crafty algorithm where it figures out how much you can afford to save and it moves the money for you. and i know millenials in new york who are earning in the $40,000 ra