steve weiss? >> well, first of all, congratulations, dow jones, 20 years later, and real vising alcoa is not relevant. and 10 years late with hewlett-packard. i applaud the names -- >> although, relevance is relative. the stock has been the best performer, okay? so from an investment standpoint, if you've been hewlett-packard, you've been hear. by the way, bank of america -- >> for now. not over the last 10 years. >> the last 12 months. >> gotcha. >> so they're trying to go more growth. they're trying to take some of the -- the growth factors from nasdaq. if you overlay a chart of goldman sachs with the nasdaq over virtually any period of time, you'll see there's very little divergence between the two. so the reason for that is that goldman, as the economy improves, as markets improve, goldman prints more deals, more m&a, more issuance. so i think that's actually a good thing. but for me, i really ignore the dow. i look at the s&p, because it's a broader index. that's most people's benchmark. i'm

i think the stock ifs a lot higher. >> steve weiss?going to go with jc penney on the short side. >> leaning on the short. >> i am. also i think the russell's a little overbought here relative it the s&p. >> so you have two final trade for us. >> i do, i do. >> the producers didn't get my change in the final trade. >> you're welcome. >> i'm going with dnr, buying nat cole. >> i like ppg, the restructuring, $3 billion in cash. >> that does it for us. have a great rest of the day. we will see you tomorrow. and "power lunch" begins right now. >>> "halftime's" over. the second half of your trading day begins now. >> scott, thank you very much. stocks under siege, two of them, jc penney and blackberry, desperately trying to reverse their fortune. the big question is can they? >>> stock trying to break that losing streak. five straight days of losses as we begin to wrap up the third quarter. we're going to tell you how to play the next few months and could small caps be your best play, or as mr. weiss believes, are they a little overbought re

steve weiss? >> that's great. let's have a party. >> if you follow -- [ laughter ] southeastern, a fine firm, but over the last -- >> like mason hawkins hit you with a golf ball -- >> not at all. not at all. >> -- i would never do business -- you know, he -- >> it says more about you than it does him. [ laughter ] >> you're a live one today. i guess it comes with the mismatched outfit. [ laughter ] here's the reality, okay? since inception, they've outperformed the s&p. but over the last 5, 10, 3 years, outperformed s&p. i've seen the filings, i don't know if they made any money in the dell position. so they're a good investor. they're not buffett. they're not tepper. they're not a lot of people. they're not the one i would be following into a stock. does that sum it up for you? >> pretty much. and finally, general motors trading lower after the canadian government sells 30 million shares. doc? >> yeah, that's about 2.2%. judge, the outstanding shares. taking profits here. taking some money off the table. can't ev

we're trading the action with mike murphy, steve weiss, pete najari najarian. mike, you ride the momentum? >> definitely. we had the pullback that gave you the opportunity, 4%, 5% pullback off the market highs and now the market has come back in the face of a lot of adversity, a lot of money coming off the sidelines going in to buy quality names. i think you stick with this rally here. financials haven't really taken part in the rally. i think there's still some value there. but there's nothing out there on the immediate time horizon that tells me you want to fight the momentum of this market. we've had higher lows and the market continues to move higher. until that breaks, stick with it. we're going to higher. >> is that the case, weiss? >> i believe it is. >> stick with the momentum? >> absolutely. i like the market. i'm bullish, adding to it selectively. there is something that potentially is a momentum breaker and that's on the 18th, the fomc meeting and the subsequent conference. i think it's priced into the market. i'm still positive on the market. and $1

steve weiss? >> i don't think it's a big deal, frankly, about anything. they're adding to staff. 5,000 people as you mentioned. what's happening is they'd rather bulk up the compliance than continue to pay penalties for not having the right compliance, even though they've had it. but it's a very, very tough regulatory environment for the banks. you'll see the other banks pay, as well. they'll have to pay up to bulk up compliance. i still like the banks. my banks of choice are b of a and citi. that's where i'm at. just because they're cheaper. >> i hear you. joe, aetna upgraded today and up when 3.5%. >> yeah, upgraded at bank of america, merrill lynch talking about the upcoming concerns with healthcare, trading at a deep discount. listen, clearly the space is performing this well. cigna up 56%. that's been the leader. unh has been the laggard in the space. the one name i like, wellpoint. i think that's where the sweet spot is. >> i want to step back for a moment and talk about these energy trades that we did a moment ago, just to button up that conversati

okay, don weiss with marine energy? this is our second witness from marine -- don't you guys work over there? >> yeah, luckily we're very close, it's just across the road. >> welcome, thank you very much sh it's a pleasure to be here, my name is dawn weiss, i'm the executive officer for the marine energy authority, and the questions and issues you guys are all grappling today are not new when our clean energy program grappled with many of the same issues with our early start-up, i'm happy to report the program works, in fact, we've been able to exceed a lot of our expectations ahead of schedule and we've been able to prove that a lot of the initial fears of the program were unwarranted. as of this month, we are serving over 120 thousand customers throughout marine county and the city of richmond. because of our existence, any customers in our region can choose pg&e's 19% renewable program, our light green 50% renewable program or our deep green renewable program, those are three choices, right now in san francisco, ther

great deal. >> steve weiss. jcpenney, according to kate kelly, company looking to raise money. >> yeah. so i was short for a long time. i went long after the print went up. i'm short again. short for about a week. to think this company can come back and what is widely felt as a very challenging retail environment, particularly for the broad line stores is ludicrous. we've heard they have cash. you've got to spend cash to get in shape. real estate, mortgage, two most knowledgeable holders sell their shares. if you think they're dumb in selling at the bottom they didn't make the right choice getting in you think they're taking a loss because it's going higher, that's ridiculous. short the stock, make money. >> angela merkel making history. in a landslide win, the current chancellor. is this a positive sign for the eurozone and investors? the $20 billion causeway international value fund, sarah keter. >> thank you. >> deemed a sizable risk going into the weekend. what does it now mean for investing in europe? >> we

>> it was memorable and life changing. >> i want to thank michael weiss for joining us. opening up a new store. >> tomorrow morning it will open. >> this is a winning stock in the group right now. >> social shock wave. wheels are finally in motion for one of the most anticipated ipo's since facebook, as twitter announces it's begun the process of going public. we'll go deeper into the news with the president of buzzfeed. [ tires screech ] ♪ [ male announcer ] 1.21 gigawatts. today, that's easy. ge is revolutionizing power. supercharging turbines with advanced hardware and innovative software. using data predictively to help power entire cities. so the turbines of today... will power us all... into the future. ♪ >>> this show has always been about helping you to try to make some money in the stock market. sometimes you want to understand trends and look in counterintuitive places like private companies operating in that place. twitter's management is not going to be able to talk about the deal at all. that doesn't mean that we can't talk about it with someone very informe

weiss maybe going forward with his name being recognized or without being pushed into the stands that causes lawsuits on both sides. i don't want repercussions where we fires me or something speaker i think the bookstore is a library of sort of and i think it's good for the community at large but a source you have historic documents and books for the city and county of san francisco. so i think you can do what you can by talking to the man and his wife instead of pushing and knocking on doors. some of you should gept together and talk with him personally. i can help you with that > >> thank you. next speaker, please. >> good afternoon. i'm betty i couldn't help but come down and speak out for marcus bookstore. as a teacher at a school that was a multiple culture school a lot of white students doesn't know a lot of the black history from 1985 to 2003. the history book was excellent when i taught on black history. i said why don't you go to marcus bookstore there's a wealth of information you can find all types of stories of present-day authenticity. and my students white and asian went

however, the big thing weiss from the generation and where we get it wrong, michel is right. to school, we don't know what to do when we get out, because we're not learning the skill sets that transfer to dollars and cents. that is one reason we're lagging behind. >> there are no jobs. there are no jobs. >> eric: in fairness you blame the schools now. our young peopleren't learning the skill set. i am going to say -- let me bring jonathan in here, we spend a heck of a lot of money trying to fix the economy yet johns aren't showing up. why is that? >> the job aren't up. the people it is hurting is the young ople specifically. eboni you mention you would have been helped by president studt loan forgiveness project. i don't think you would. it's like indentured servitude. inherentn it is a promise to work for government or non-profit for the next ten years. not to mention the regulation, eric, that put the jobless rate for people under 25 either under employed or unemployed above 50%. this is the net result of obama's egalitarianm, his collectivism, call for self-sacrifice has h

that at the very lonesome with as you know this is no water global warming is global weirding tom weiss where well thanks for being with us tonight thanks for having me john. crazy alert some men like cars but some men like twenty four year old daniel cooper of wales are called caught by his friends well a really good cars as in they want to make one. after a booze filled night out earlier this summer a night that according to reports including him gyrating on a kabob shop for cooper came home or came upon a lone land rover on the streets of his hometown of holly well it was as they say love at first sight as you can see there's a video put together by tomo news service hooper quickly got down to business stripping off his clothes and ryan against the vehicle before leaving the scene when is the encounter was over police captured the whole thing on surveillance video and of slapped cooper with an eighty five pound fine it also banned him from hanging around outside from seven pm to seven am a night's cooper is not surprisingly pretty embarrassed about the whole deal i mean now everyone

robert gray joins us live with venture capital bigwig scott weiss. scott working on these days? >> well, lori, we'll get to that in a second. a lot of names people know like uber- there is lot of company names we don't know and people like scott are here, checking out, literally demoing out the products. scott coming up as we speak. a veteran of this conference. he is a skateboard veteran as well. >> no problem. >> what are you seeing at the conference today, that is sort of piquing your interest as venture capitalist? >> what is great about techcrunch disrupt, there are so many new gadgets and unusual things. yeah, so, in addition to having, you know, companies like uber-or, even have it like ibm that's here, some of the, some of the old established companies have infiltrated it but it still has that, you know, at its core, the new, the different, and -- >> what trends are we seeing? >> so one of the things that you saw from that electric skateboard is that we're really seeing what i would call a peace dividend from the cell phone wars. there's a lo

. >> after a motorcycle accident a news producer allen weiss was being treat forward a leg injury. >> police officers standing over my bed. one said to another, can you believe it, john lennon. i said what did you say? officer received i didn't say anything. lennon was lying on a bed faced the door where i was, no clothes on. i kept seeing a lot of blood. a lot of blood. >> he was lifeless no, pulse no, blood pressure. not breathing. >> doctor steven lynn led his team in a feverish attempt to save john lennon's live. >> we opened the chest and found all blood vessels leaving the heart had been totally destroyed. i literally held john lennon's heart in my hands but waits clear there was no way to be able to repair those blood vessel autos coming down the hallway, is a asian woman on the arms of a cop. and looked like yoko ono to me. >> my partner came in to the waiting room and he said you know it's john lennon in there. then, i looked at her and said had is yoko ono. >> approximately 11 clb r:10 that evening, john lennon pronounced dead. >> then, dr. lynn had to face the wife and tell

they're wrong now and they're heavy and so you never know and your little buzz when you put it will weiss you don't know what you have you don't know how much you have read so you've all experienced the heartbreak of what the hell there's a hummingbird speak were. left in this thing but it weighs eighty pounds to hell so i said i don't have any more red wine so what am i going to do i mean i'm not an alcoholic i can't what did you do i poured vodka in with the red wine and i said this tastes like ass so i then poured some orange juice in and i put some other flavorings and i put some ice in and then i said eureka i think i've invented something called man grae and then do we get man even go to corolla drinks dot com or make great dot com or it's coming to a liquor store near you we've sold over one hundred fifty thousand bottles already so i love it i just made it as a joke i would bring pictures of it over to campbell's place on fourth of july and all that have brought them angry you now and then somebody at a napa said i could make it this and i said here's a recipe that my name on ther

let's check in with michael weiss first time on cnbc, welcome. >> you got me all energized about my jobhere is what i want to know, i said maybe it is the retailer, soft goods apparel doesn't. you are putting a lie to that. >> well, it depends on the day these days. on trends, on hot item s whatevr they are hard goods electronics. >> well, we can't say that apparel is not selling. >> tell me why. >> i don't know what we have but i'll tell you how we operate. >> that is fair. >> we believe that there are patterns and turns in what people by and the wi that they by it and that the talent in the industry is to identify those patterns and go with them. >> well, i understand that you have this go-to situation where you actually test. >> we do. >> and that is not what everybody else does right? >> i don't know. i hear that. >> but you find out what they want and you are able to move that quickly and get it into the stores? >> testing is a look cycle. we test out of season, we test in season. we test in a very, very continuous way and what we test is where the next thought is going to be. our

njoy's craig weiss. the reaction to all that ahead. >>> but first we have to check out how oil is trading as we head out to the break. basically flat. $102.59 a barrel. the dow has fallen off a little bit, down1 points. we'll be right back. younow throughout history, folks have suffered from frequent heartburn. butetting heartburn and then treating day after day is a thing of the past. block the acid with prilosec otc, and don't get heartburn in the first place. [ male announcer ] one pill each morning 24 hours. zero heartburn. [ male announcer ] one pill each morning (announcer) at scottrade, our cexactly how they want.t with scottrade's online banking, i get one view of my bank and brokerage accounts with one login... to easily move my money when i need to. plus, when i call my local scottrade office, i can talk to someone who knows how i trade. because i don't trade like everi'm with scottrade. me. (announcer) scottrade. awarded five-stars from smartmoney magazine. tracy: the senate just passing a spe

brian weiss., chris. >> congressman, i saw your family emotional there. did you start to believe that this day may never come? >> well, it did seem bleak back then, but we've known all along that this was a trumped up charge by a rogue district attorney in austin, texas, and we knew that once we got out of travis county, that i would be exonerated and that's what's happening. >> do you feel that it is fair to criticize you for having done anything wrong in this situation? >> not at all. i didn't do anything wrong. i certainly did launder money. i was indicted on a law that, frankly, doesn't even exist in texas. >> mr. weiss, are you worried about appeal on the state side? do you think they'll keep going? >> i think they have to. i think they've lost face. any time you take the kind of beating in the court of appeals that they took in a case of this magnitude, they're going to go as far as they can, but i've clerked at the court of criminal appeals, argued there a number of times, followed court si

andrew weiss, thank you.joins us from washington, d.c. >> right now, france is the only major european ally that seems to be supporting military strikes against syria and the french president is eager for president obama to take action, french intelligence officials saying the assad regime launched the attack involving the massive use of chemical weapons, indicating that syria could carry out similar strikes in the future. mine we'll, syrian president assad warns a military strike would result in a wider war across the region, telling a french magazine that neither the u.s. nor france has proof the government was behind the chemical weapons attack that killed more than 1,000 people, this according to the assad regime. >> france has backed the syrian rebels sips the start that have crisis two years ago. we are joined from paris, live with more. what are the arguments being advanced by the french government for intervening in syria? good morning, del. well, the french government is framing this in national secu

we all know the real story was steven weiss getting in and buying after being so long. >> that was sarcasticll the way down to these lows and right down here at the bottom the guy called it. >> joseph a. bank up. >> one of the things they did today was they actually had an inter active conference call which they haven't had in quite some time with their shareholders and investors and analyst. they did a really good job. we're long. i like it. >> drop for newmont mining. >> it's probably dead money at best. it had a horrible day today. seasonality-wise it's a good time for precious metals. sell it in the middle 30s, buy it in the middle 20s. >> a new video put out by the atlanta zoo shows the first 25 days of life of a pair of panda cubs. they were the first giant panda twins born in the u.s. in more than 25 years. fans can bear witness to the can you be's every move on the panda cam which operates 24 hours a day. they are so cute. >> i want one. >> i don't believe that for a second, dan nathan. coming up next, from facebook to freeport we're trading your viewer tweets after this. plus, just

d'amico and sons, randy's and grandpa's, garden fresh, weiss and spartan. >>> workers in downtown palo alto may find a new place to park. they unvaimeiled a new parking permit system. people living in the neighborhoods close to downtown have complained about parking shortage, because downtown workers can park all day for free instead of paying for garage permits or parking meters. they will send out surveys on the proposed residential permit program. >>> in a few hours, the city of fremont will open its very first whole foods market. the popular grocery store is located on mowery avenue. it is set for 9:45 for the grand opening. it will have a smokehouse grill, a beer tap room and a health specialist on site. >> in that order, probably. >> yeah. you need the health specialist at the end. >>> california doctor's quick thinking is credited with saving the life of a bakersfield community leader. >> a woman started choking on her food while out to dinner. they tried the heimlich maneuver but it didn't work. that's when this man here, dr. royce johnson. he used a friend's pocket knife to cu

and alan weiss and in bringing the plant back to its natural balance for our last best hope, a future on earth. earth. and the rise in times of charlie parker. the family recounts the life of a late saxophonist. look for these titles and more this coming week and watch for the authors on booktv and on booktv.org. >> the c-span online archives will redefine social studies education in america. thanks to the video archiving capabilities, the video library is a great resource for you to view and share content anytime. it is easy. here is how. go to c-span.org and go to the video library to watch the newest video under the most recent tab. click on what you want to watch and click on play. you can also search for a keyword or find a person, just type in their name and search and go to people. go to their biography page and scroll down to their appearances. you can also share what you're watching and add a title and description and then click on share and send it by e-mail and facebook and twitter or google plus. the c-span video library is searchable and easy and free. created by the cabl

. >> weiss. >> vodafone. >> at&t. >> short priceline. >> "power lunch" starts right now. "halftime" is over. "power lunch" and the second half of the trading day starts right now. >>> i think herb is here more than he's not here. buckle up, alec baldwin. want to play words with friends, okay. ap faa advisory panel is about to recommend the relaxation of many of the rules and regulations governing electronic devices on airplanes during takeoff and landing. not all of them but a lot of them. alec baldwin, may be in luck. countdown to a shutdown. a week from now if there is no deal we will be hours away from the closing of the government for the first time since 1996. we'll bring you the latest on where things stand on that. and america loves apple again. huge sales of the -- this weekend of the iphone 5s and the 5c. how did wall street get this one so wrong? the stock is up more than 4% since the september unveil of that product and up 8% in just the past week. sue, meanwhile, is at the nyse and let's check in with here. >> good to see you. noticeably stronger security toda

. >> weiss? >> tbs which is short the bond market. >> alcatel lose ent. >> dr. j? >> opk, opco health. great rest of the day. see you tomorrow. "power lunch" begins right now. >>> "halftime" is over. "power lunch" and the second half of the trading day starts right now. >> two-thirds down, one to go in 2013. so far this year the dow is up about 13% after the dip we've had in the last month. we'll talk about that. the bulls were back today as september begins, but the market has retreated right now. the dow jones industrial average is in the negative by just about 14 points on the trading session. >>> the president keeps making his case on syria. today we find out if members of congress are buying it. we will speak with two congressmen will b whether they are in or out when it comes to u.s. military action in syria. >>> and forget about verizon and vodafone, did shareholders just get the deal of the century, and what does that mean when it comes to shaking the giant global corporate money tree? all of that is straight ahead. tyler continues on vacation and simon is

. >> weiss. >> great job expressing the case for aig, buy aig. >> pete, by the way, you wouldn't debate. "power lunch" begins right now. >>> and it does. we start right now with the markets which, of course, are really on the move. triple-digit advance in the dow jones industrial average, up 110 points. the s&p is up almost a full percent now, 14 points, and the nasdaq, basically that is a 1% move to the upside, up 33 points. that's just one of the developing stories we're following right now. also on the agenda, key hearings on syria happening right now, and yet another trading glitch. tyler is out this week. simon is my partner down at the nyse. hi, simon. >> yes, sue. good afternoon to you. it's become apparent within the last 90 minutes that the electronics trading system here at the nyse is not talking to the server at the nasdaq that well at the moment, and in a moment mary thompson will join us for the nyse side of the debacle but first bertha coombs is live from the nasdaq. bertha. >> reporter: simon, this was a bit of a sort of son of the flash freeze that we saw back on august

weiss believes, are they a little overbought relative to the s&p? >>> and what's in a name? plenty, it seems, when it comes to health care in america. we'll tell you. some startling stats coming out of our exclusive cnbc all-america survey. meantime let's check in with sue down at the nyse. hey, sue. >> hey, ty. two companies under siege today. jc penney and blackberry. can these companies reverse their fortunes? both were trading in single digits today. jc penney rebounding just a bit. but at a 13-year low, nonetheless. while blackberry way below the $9 a share that fairfax says it's willing to buy it for. right now jc penney is up 5.25% in terms of percentage points. we have courtney reagan on jc penney and jon fortt in san jose with the latest on blackberry. courtney, you first. >> that's right,ist been a tumultuous week as the stock price fluctuates to sharply positive on a mix of father and news. cnbc has learned that jc penney ceo met with investors in new york city yesterday telling them jc penney doesn't see conditions this year where it would need to raise liquidity

he should tender for paul weiss, buy the firm, bring it all in house. he is spending $4 billion, $5 billion. go buy a law firm. he could buy sullivan and cromwell, paul white. think about the money you would save. what would it cost? >> i don't know what their revenues are. >> less than $4 billion. it would be a brilliant move for a law firm. >> that's true. >> buy in volume. no more hourly rate. >> it is ridiculous he doesn't own a law firm. >> they are probably employing hundreds of firms. >> he should buy three or four firms and put it together. did you ever pay one of these lawyers? $2,000 an hour. >> microsoft should break apart? >> right. >> apple should buy twitter or netflix. >> and jamie dimon should buy cravath or paul weiss. >> yes. these are radical ideas. i'm not seeing any radical ideas from the people that run these companies. dimon. tim cook. i will do what cramer says and he will get off my back. why not make it so it is a good morning every morning. >> there was plenty this morning. >> industrial productions coming up in a few moments.

if you're staying home, there's a good chance you're one of the many wondering the fate of walter weisst's amc's emmy-winning series "breaking bad." it is all the buzz, and it concludes sunday. >> it's one of the most live-tweeted shows that's on. people are just going crazy, and every one of the last episodes has been more intense than the previous episode. >> reporter: we're going to have to wait and see what the twitterverse has to say once we find out how it all ends. jon and jenna. jenna: my money is on jon going to the metallica movie. >> reporter: you think so? i could see you as a metalhead. were you a metalhead at any point? be honest. jon: no, not at all. jenna: that's a good question, julie. >> reporter: you? jenna: never. >> reporter: i actually used to listen to metallica. jenna: you can see she's waiting. >> reporter: not anymore. jon: i think i'll go fly fishing or something this weekend. jenna: julie, thank you. jon: a high-stakes showdown in the capitol just days before the lights could go out in washington, almost literally. they're talking about not picking up d.c.'s

. >> market pantry archer farms d amigo and sons finest traditions garden fresh and weiss bryant.s of a surgeon. a pediatrician. these are pioneering advances in heart surgery. and these are developing groundbreaking treatments for cancer. they're the hands of the nation's top doctors. kaiser permanente doctors. and though they are all different, they work together on a single mission: saving lives. discover how we are advancing medicine at kp.org join us, and thrive. here is stanley roberts was found some people behaving at the pierre >> let's look at the driver of this gm c truck he is about to throw his truck into reverse. >> you might see people at the bar street with their vehicles in reverse. allied sometimes you will see them make a u-turn to attend to go the opposite direction. >> and then you might see someone like this driver of a mercedes who appears confused person turns left and then she turns right then she stops at sits there and put her car in reverse. >> enter the bart police here. >> if you had a hard time hearing the officer told the driver this is a bus zone. >

. >> tony hail and julia loo weiss dreyfus had fun in character. >> i'd like to thank my family. >> clairend jim parsons were visibly moved. >> it's so silly to be emotional, isn't snit. >> tv icon bob newhart first ever win for guesting on the "big bang" brought the 6,000 guests to their feet t. show singled out five heart felt memorials, including sopranos star james gandolfini. >> it's jim the man the dear man i will miss most of all. >> cory monteeth. >> his death is a tragic reminder of the senseless destruction that is brought on by addiction. >> gary david goldberg who produced both "family ties" and spin city. >> i wish it wasn't necessary. i wish gary was still with us. but sorry. >> reporter: "modern family" won its fourth straight series. >> this a a two hander. you are only as good -- >> reporter: but in the end, the hbo biopick was second to none. >> ♪ luck be a lady tonight. >> reporter: gaining 11 statues in all. >> thank you. >> one of the big story lines we were watching last night is what would netflix win? they were nominated for 14 emmys. a win would make history. they

although i dropped out of college because my father got sick i had a good job at the phone company is weiss to call it. then at&t. i got married, they got divorced raise two sons with no support. i worked for the phone company for 18 years got my bachelor's degree at night which enable to meet to get a promotion to management. that is how i was able to send my sons to college and returned to college and i got my masters degree at 50. in january of 2002 i was laid off at age 529 months short of full retirement of 30 years. it was a time when thousands of management employees were being laid off for downsizing measures in many industries. during my time i did all the things i was supposed to do. even though i was involved in the company's defined benefits pension plan i also participated in a company savings plan. i even bought a few stocks. i participated in financial planning offered by the company and i kept track of my promised in retirement earnings benefits. right here, got all my booklets i have saved all these years. i began planning my retirement in my 30s. my goal was to retire to f