rodney williams joins us, head of one of the few minority finance funds.t. thank you for joining us. i imagine that financial education is probably the key. my parents did fairly well but never sat me down and talked money. i guess that is the case with a lot of people out there. >> i would say partly. we are finding the number one concern or issue is there are not options for cash for americans to gain access to capital so they can make their way out of this particular problem. the lack of solutioning is the number one factor. in our survey, there were interesting findings. 50% are college educated. one in 10 make income of over $100,000 a year. how we are defining this group is different. matt: when you look at that group living paycheck-to-paycheck, is the problem that they actually do not have enough money to put anything aside or are they just enjoying themselves and have not thought about saving for their retirements? rodney: unfortunately, most americans, especially middle-class americans, live paycheck-to-paycheck. it is a combination of our entire