let's get some tips from vera gibbons. >> are you think about doing something new for yourself in theear, that will make you a better person and boost your wallet at the same time? here are my top ideas. number one, land your dream job. the job market is very strong. the economy's expanding at a healthy pace. there are lots of jobs out there for the taking. many companies are hiring. a rut, time for a change, now is the time to go for the plunge. whether that's making a living instagraming, becoming a food stylist or working in the spa industries. there are lots of opportunities to be had. second, give up those bad habits. bad habits are costly. the numbers don't lie. two-thirds of americans are either overweight or obese. the cost over a lifetime, nearly $260,000. as for smoking, another killer, that could easily cost upwards of $5,000 a year, depending on how much you smoke. it also significantly increases your insurance costs. next, stop waiting for a wind fall. americans have a lot of debt, and many are waiting for something miraculous to happen to bail them out of their predicame