personal finance expert vera gibbons is here with the list.irst thing and big thing savings out. >> so hard to save now because wages are flat. costs are up on just about everything. college costs. health care costs. groceries, problem it becomes easier to spend given growth in mobile payment spending devices especially apple pay. tracy: amazon prime. holy heck. >> your credit card information is stored there. it is easy to spend without thinking about it. same with apple pay. tap your card and it is done. like funny money. monopoly money and i think it will lead to a bad trend. tracy: we have savings fatigue and we awe buckled down during the recession and saved and saved and we're sick of it. which lead us to homebuyers. you think first-timers especially. >> investment buyers have been keeping us afloat. with zillow which i blog for rents will outpace home values in 2015. tracy: and mortgages. >> you will see more of renters who otherwise happy jump into the home buying arena and buy. tracy: that is good. that would be a great thing. >> mark