but there really does needs to be awa wake-up call for skren re x and younger.any people are having pensions, there are a lot more independent contractors. they don't have 401 kflt plans. so it's really important that you begin thinking about what do i need to do in order to be sure i can retire. otherwise 30 years from now -- >> we'll all be in a world of trouble. so what choices can you make that can help you? >> the first thing that's really important is to just get a reality check. it does look different. and even when we look at social security, the increase in taxes, we don't know what it's going to to look like 30 years from now. so i always say plan as though you're not going to have any of those things. plan as though you're entirely responsible. and a part of that reality check is the fact that we don't learn these things in school. employers are not required to teach them. so you want to invest in your own financial education. >> and you say do the math. what does that mean. p. >> a lot of people never do the math, they never say how much do i need an