. >> what about vils mannisha. you're all about advice. your vice with he it comes to credit in this market. >> i think john hit on a key point which you want to get to the i shall ew is your behavior changing? i like to see people use charge cards because then they get the benefit of both. they're building the credit history but also have flexibility if they need it if something comes up. what i'm really noticing is a trend toward mindful spending which gives me optimism. because it's harder to open new credit cards they've had to think about do i have lifestyle creep? is there stuff that's come into my life that i really don't need and i can stop spending on. >> what do you need versus what do you want. great advice. thanks so much. >>> also major changes to your health care this week. we're going to break down what it all means for your bottom line straight ahead. e going dow♪ ♪ and we'll ride the bus there ♪ pay the bus fare ♪ or we find a new reason [ female announcer ] something unexpected to the world of multigrain... taste. ♪ we're