and i really think, you know, for so many people they're woefully undersaved for both retirement and emergencies, and in an era where people aren't getting the pay raises, the money to do that's got to come from somewhere. getting a handle on your spending is as good a place as any to start. gerri: let's talk about debt for just a second here. i think, you know we just saw the higher levels of credit card debt, but americans have still even now after paying off a lot of debt still have a lot of it. what's the best way to go about attacking your debt? >> well, from a financial perspective, purely financial perspective, you'd prioritize from highest interest rate to lowest interest rate and pay off debt that way, first things like credit cards and personal loans and at the bottom of the scale would be things like your mortgage and federal student loans, for example. however, i think another way is look at your smallest debts first, knock those out initially, that gives you some sense of accomplishment, really reinforces the sacrifices you might be making for debt repayment. again, do w

when you look at it, people are undersaved whether for retirement, what have you. it's a huge problem when it comes to the economy really consumer driven. melissa: we haven't done anything to contain health care. that is big one for all of the talk. >> look at those numbers. start, playing devil's advocate here. start in 2007. so what the supporters of obamacare would say, well, you're counting in the old costs, the costs that occurred before the health care act went into effect. melissa: ever talk to anyone who is paying less for health care right now? >> they would say, i agree with you, but they would say there have been some declines in costs to health care. >> charlie, remember they're not counting price increases we're going to get. >> i know. >> price controls do not reduce prices. melissa: yeah. amazon may look like a multibillion-dollar retail giant. jeff bezos is here to tell you that is sachsly not the case. defending the volatile stock price claiming that amazon is just a startup. do you feel like amazon is startup, james? >> original slogan was world's