willie rivera say this is class has given him useful tips. >> gave me a different prospection how to manage -- perspective on how to manage finance. >> al has learn maryland of these lessons already. >> i am now retired and i have enough to live on. we can go pretty much where were we want. >> he just says students should really think about how they spend their money now. >> watch your money. just because off credit card or have the ability to spend it, don't. you don't go to the coffee shop and spend 5 bucks far cup of coffee everyday -- for a cup of coffee. that's 30 bucks a week. >> balanceing a checkbook to basic savings plans, and lit do all that. almost every university has it. >> students should realize that the little things really do go a long way. >> those little habits, watch them. those midnight taco bell runs. those habits last through your lifetime. >> 70 million american workers do not have access to employee based retirement benefits according to america's for secure retirement. >> start doing it while you're waiting tables in college because then you're just used to