>> live with answers for you and our studio audience. >> help me decide where to go to college. >> how much should we invest. far are should we buy a house in this economy? >> only in america. a live edition from the studio audience. we will be taking the questions. facebook.com/piers tonight. suze orman with dollars and common sense on america's economy. president obama had his say. >> banks and lenders must be held accountable for the practices that caused this crisis in the first place and all of us have to take responsibility for actions and lack of actions. >> controversial comments from mitt romney saying he is not concerned with the poor and will focus on middle class americans. >> i am in this race because i care about americans. i am not concerned about the very poor. we have a safety net there. if it needs repair, i will fix it. >> i want to get suze orman's take on this. she is the number one finance guru. she joins me now. welcome, suze. let's start with mitt romney. that was an extraordinary comment for someone who wants to be president of the united states. i am not concerned about the poor. whatever came afterwards and it sounded bad. >> it sounded bad and very naive. for so long have i not been saying the rich are getting richer and the poor are getting poorer and middle class is disappearing. he is concerned about the middle class. what middle class are we talking about? there about 50 million people in poverty. what does it mean? a family of four making $22,000 a year or less. there is almost 150 million people that are in poverty, near poverty or that close to it. one out of two, one out of three people in the united states of america are edging in poverty isy and he's saying he is not concerned? he should have fought it. he never should have said it, but it's a ridiculous thought. >> doesn't it sum up the problem? it's the sense that people have about him that he has a disconnect. the money he declares and all of this t adds up to a picture of a wealthy guy slightly out of touch with real americans many of whom hundreds of millions are suffering right now. >> i don't understand the safety net that he said that's there. if it's broken, he will fix it. like it's that easy. for him to get the economy back online, the first programs he will change are the programs that affect the poor. very, very silly thing for that man to have said. >> for president obama laying out again criticism of the system that americans miss strongly. quite interestingly in britain, the banking community in the last week alone. one big banker was denied a million pound bonus. 1.5 million pounds at least. it was removed by arng. secondly another famous bangb banker was united by the queen. they stripped him of his knight hood, normally reserved for spies. you are seeing a series of big blows to bankers in britain. would you like to see that in america? do you think the bankers have got away with it in many ways? >> many of them have gotten away with it, but many of the executives on wall street have gotten away with it as well. that's why the consumer financial protection bureau that president obama put into place, he went over and he did this because they didn't want to provide funding. it is so important that they are in power now because the banks have to report to them. the banks have to be held responsible. # responsible. one of the best ways to do it is with the csdc. >> in the moment lots of people are cueing up to say things are improving. the jobless figures are getting better. they are saying the economy is slowly improving. do you think america is now coming out of recession? >> no. i think people constantly get the economy and the stock market confused. when the stock market is going up and everything people tend to feel more hopeful because they are seeing 401 k statements go up and ira statements going up. is the economy getting better? i don't see jobs coming back. i see jobs won't come back because of productivity. they don't need them anymore. half of the world is functioning as great without the workers as they were when they had the workers so why get them back? >> to me it is very worrying when your iconic airline, american airlines. >> it is serious but it has been serious. i think people get to feel hopeful when they are watching tv and they are seeing good earnings and seeing these things. real estate is not coming back. jobs aren't coming back. people don't have more money to do things with. so i think they're going to get a little bit sadder again as this year goes on. >> what is the answer to the broken problem at the moment of america incorporated, the country as a business. >> the country as a business isn't running as a good business. if you were going to give them a grade you would have to give them an f. these people will tell you that constantly when you say we saw denied, when you can't afford it you don't buy it. if you spent so much more money than you were taking in you would be financially bankrupt. >> very hard for the average american to understand this message of spend within your means when you have a country debt of approaching $14 trillion. that's the wrong message. that says borrow whatever you like. it doesn't matter. >> it says they don't have a solution to this problem except to borrow. it's not like they want to borrow and keep getting into debt. they don't know how to fix a system that is seriously broken. the medicare system is broken. social security is broken. so many things are broken and they don't know how to fix it. >> do you think as many do that america needs to go back to building things rather than consuming? >> i think they do need to go back to building. however, do i think that is a reality? roads, cars butd not to the degree of the industrial revolution when everything was happening here. i think people are going to have to become entrepreneurial. they are going to have to become their own bosses. the day of working for a corporation and get a pension, gone. if you really want to be secure you are going to have to be your own boss. >> it's fine for you because you are a very bright cookie. you started as a waitress at a restaurant and built this empire. most average americans aren't natural entrepreneurs. i don't think i agree with that. i think america needs to build. the huge demand in china for big heavy machinery and they would buy it from the americans if the americans were producing it at the volume that they needed but they are not. the old style industrialization in america isn't happening anymore. >> i don't think that is going to happen. we have entered a new period with new technology and things that never have been developed before that i think we can do here. i still think we have a problem with how you get the people back now to work. we can't wait until all of that happens. they need to go back to work now. since the jobs aren't here they have to create a job for themselves. >> donald trump says one of the problems you look like someone like china swallowing up debt and china is mass producing very cheaply with very cheap labor a lot of the stuff the world is consuming. is it time to have a formal trade war with china? is it time america got -- the example is apple. the most successful company in the world right now but apple employed more people in china than america. that is wrong. >> it may be wrong but it is the way. >> why is it the way? >> because it got so expensive to higher a laborer here with the insurance and everything. we couldn't afford it because things kept getting more and more expensive. you have wal-mart come in. >> does americaver to work at a way of affording it? shouldn't companies like apple, i fundamentally disagree with an american company having more people employed in china than their own country. they should be looking after their own country. >> if they had hired the people here to produce the ipods, ipads we would have to probably charge four to five times the amount of money that they are being charged now and people wouldn't buy it. >> or apple reduces its massive profits slightly. >> possibly but that isn't the american way. it's not unthinkable. i just don't think they are going to do it. >> let's take a break and come back and get questions from ms. already fired up orman. i can see it. 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as long as there are identity thieves, we'll be there. we're lifelock. and we offer the most comprehensive identity theft protection ever created. lifelock: relentlessly protecting your identity. call 1-800-lifelock or go to lifelock.com today. hohow w arare e yoyou? wewe'r're e gogoining g toto h e inintetervrvieiew.w. jojohnhn, , jijillll.....m.mr. whwhatat's's i it t lilikeke d e fufusisionon h hybybri? yoyou u cacan n rereadad e evet isis o opeperaratitingng b by ya bubuttttonon.. itit's's l likike e drdrivivin. whwhatat w wououldld b be e thtg fofor r yoyou u toto g gi? ththe e mimileles s peper r gag. whwhenen y youou'r're e ususeder cacar r upup o oncnce e a, ththenen s sududdedenlnly y one weweekeks,s, bebelilieveve e meme i it'tg didiffffererenencece g go. >> wherever you are i want you to listen to me. student loan debt is actually the most dangerous debt that any of us can have because in most cases it is not dischargeable in bankruptcy. >> that is the suze orman show. someone in the audience has a specific question on this issue. >> thanks for taking my question. hi, suze. thank you for everything you do for us. our son johnny is heading to college this september, has had a number of scholarship offers from some high tier colleges and has 100% scholarship offer from a lower tier college. my question is should he take the 100% scholarship offer and give up the other higher tier colleges in order to avoid student loans? >> that is a brilliant question because it cuts to the heart of america's education problem. to be in the top tier and really realize his potential is going to cost him money that perhaps the family can't afford pricing him out of the best education that he should be able to get and which other countries led by china and others are beginning to offer their students. >> welcome to america. here is what i would have to ask you. when you graduate college, if you had 20, 30 or $40,000 in student loan debt how would that make you feel? >> it would make me feel awful. i don't know how i would pay that back. >> then that is the answer to the question. you never do something with money that after you have done it makes you feel horrible or afraid. you want to graduate and you want to feel free. if you walk into a job and you have $40,000 of student loan debt on your shoulder youz start to feel the burden of debt. and then you go i have to get a job. >> what do you do then? >> he should go to the college that gives him 100% scholarships because i refuse to believe that what gets you a great job and a great career is the school that you went to. the school does not make you. you make the school. you make yourself. you make your career. boyfriend stay out of debt and take the 100% scholarship. >> here is where we are going to start to fall out. i don't agree with it. i dhoingt we should be in this position. we have the exact same crisis in the british education system. bright students should not be priced out of the kind of education opportunity. it shouldn't be happening. the government of this country should be looking at this specific kind of case and fixing it so these opportunities are not laden with debt. >> the problem goes so much deeper. it is not just college. what is it that kids have to go to a private school for grammar school? you have so many people sending $30,000 a year to send their kids to high school. it's wrong. i think no private school should be out there. i think everything should be public. we don't honor our teachers. we don't pay them enough. they are the first people we cut. they start spending money to go to private schools. it is ludicrous. >> the problem is in that specific comparison people will get a better education at a private school right now than from a nonfee school in america. >> you are looking at somebody who grew up on the south side of chicago, 81st. went to south shore high school. every single glass is smashed out. you had to be frisked before you went in. the education was not good. look at me today. so anything you want you can get. i don't believe your education makes you. >> you got an amazing story and it is incredibly inspiring fmpt i sold the jewelry on your body i could retire. >> $200 for a watch. $75 for this ring and maybe $1,000 total. got it, people? >> is that true? >> michael kors. >> this little trinket. that's a very good answer. >> you wear things and because you wear it everybody thinks it is expensive. i make my jewelry. my jewelry doesn't make me. >> i like this thing. a second question. >> thanks for taking my question. i wonder what kind of advice you give 20 to 30 year olds today on making the decision between buying a home or renting. you think given the depressed housing prices the large inventory of homes that are available and the unprecedented low interest rates now would be buy, buy, buy. a lot of young people in their 20s and early 30s are real nervous about that kind of commitment. what kind of advice do you give them? >> they are nervous because they don't have the 20% down. they don't have the security of knowing that if they get a job they are going to get to keep their job. they don't have the security of knowing that a how will appreciate in value so if they need to sell it they can get their closing costs and moving costs and everything like that. there is good reason for them to be nervous. there is also good reason that they can wait until they are not nervous anymore. it's a fallacy to think that the interest rates are going higher. fallacy to think that real estate is going to start to sky rocket. it is not going anywhere for a long time. >> there has been a break down in trust. when i grew up and i'm sure the same for you. bricks and mortar was the investment. you never go wrong if you invest in bricks and mortar. now you can go badly wrong. look at florida with the worst record of foreclosures in the whole of america. these people are desperate. they invested in this old american dream. you save enough money. you buy a house. you have a lovely home and you will make money when you resell it. that's gone. >> that's gone for now. however, if they did have 20% to put down, if you were to get a real steal of a deal and you understood money and you had enough of a cushion they would probably do it. when you see these kids not wanting to do it it is because they are not secure in their jobs. if you don't have enough money you rent until you do. by the way, there is nothing wrong with renting for the rest of your life. nothing wrong with it if that is what makes you feel secure. >> that is not the american dream. >> it is now. it most certainly is now. >> the american dream has been tarnished in recent years. isn't it important rather than america is broken that america remains a great country. it just has to be brought back up again? isn't that a better way to look at this? >> america is a great country but its people are broken. its people are broken because they can't feed themselves. they can't get a job. they can't take care of their kids. they can't do anything. so our spirits are broken. >> a lot of people -- when i grew up you could buy a house with a 5% deposit. you assume a 20%. i bought a house in america and i had to put down a 35% deposit. the banks are no longer lending the money they used to. the same wall street institutions you could argue brought the country to the financial needs now awarding the same bonuses but not lending people who are desperate for their homes. >> these people could if they wanted to buy a home with 3.5% down by going to the fha. if they have been listening to suze orman they know don't buy a home unless you president 20% down because you don't want to find yourself in a negative equity position because the tax laws that are in effect that says you bought a home for 200,000 it is now worth 100,000 you do a short sale and you do not have to owe income taxes between the 100,000 and the 200,000. starting in the year 2013 you will. >> let's take a break after that bomb shell. let's talk about how to keep america great. you can send tweets to@piers morgan. 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[ male announcer ] be a winner with the all-new prius c from toyota. ♪ going to love me when i give you this answer. you have been bucked off that horse. you are deniiedenied. leave it where it is trust me. >> with a word every suze fan fears. lots of tweets pouring in here. it is not the people who are broken. the people are why this is still a great country. we will rebound. i agree with that. i don't think the people are broken. the people are angry and frustrated and hurting but they are not broken. >> their spirit is broken. >> do you think so? >> well, audience, is your spirits broken? some yes, some no. >> i think they are angry. and i think they frustrate skpd you want the economy sorted out. i don't think you are broken. americans need to come back and keep this country getting better every day rather than being negative. >> let me tell you whose spirits are broken. some of the 50 million people out there and none of you are those people or you would not be sitting here, but the people who have lost their homes, their cars and everything. two weeks after they get their disability check or they get a social security check or whatever they have to stand in food lines in order to feed their kids. when you have that happening in your life your spirit is broken. it's not that you are a bad person. america is a great country and it is made up of the best people in the world. but unless congress can get their act together to help these people, just throw them a bone -- >> i only have one year in this country and all i have seen is congress squabaling like school children and getting nothing done. if i was an american i would be steaming about this like what are you doing. get stuff done. you had a question. >> hi, suze. basically i have to choose between helping my family with my sibling's wedding, paying off credit card debt and putting more money in my roth ira. i want to see how to prioritize. >> did you say helping your siblings with a wedding is more of a priority for you over getting out of credit card get or saving money for your own retirement? >> it's not more of a priority. >> you threw it in the mix. >> it's something i really want to do. >> no. i get that you want to do that but you have credit card debt. if you have credit card debt you have bondage and you will never have financial freedom if you are in bondage. how much credit card debt do you have? >> do i have to say? >> yes, ma'am. >> 9,000. >> at what interest rate? >> probably around 15%. >> 15% on $9,000. if you have any money here is what is nuts. if you had money in the bank they would be paid half a percent. treasury is thinking about you paying them to buy a treasury. that is another story. your priorities are to pay down your credit card debt and then fund your roth iras and then if they are going to get married you can help them. you do not have the money to help others. i know that is hard for you because you want them to see you in a certain light. >> i'm staggered. black friday before christmas when america $14 trillion in debt, unemployment raging, loads of people with no money. it was like the flood gates opened. millions of americans storming to spend money i guess many of them don't have that money. what were they doing? >> shopping. >> i know. where is the common sense? where is the personal responsibility? although i blame bankers and wall street and government for what has happened to the american economy and global economy i also blame members of the public for not taking their own responsibilities. that includes me and everybody in the room. you have to be personally responsible. >> there is a saying that i have when you feel less than you spend more than. when you feel like there is no answer, it doesn't matter anyway, i'm going to go shopping and buy something. look at everybody shaking their head at that. you told me you don't feel broken. when your spirit is broken and nobody is validating you you throw it in and go let's go shopping. >> tell me about your prepaid card you put out. you put a lot of flack. she is raking up the fees. what is the truth? >> do you think at this point in my career that i would get on television and i would say that this card if you use it like i tell you to would not cost you more than $3 a month if that wasn't true? suze orman is a person who wrote a book, the 2009 action plan to be given away on the oprah show not to sell it. we gave away 2.two copies. i give away my will and trust kit. i'll give it away tonight to all of america if you want. so why would i at this point in my career having given away tens of millions of dollars worth of tools -- >> is the problem with it if you don't study the wording of this card you could end up paying extrav gant fees? >> we have a fee alert text. if you are paying fees that you shouldn't pay because you are doing something ridiculous we send you a text. you know how romney was out of touch with the poor people? the people who are judging prepaid cards today are out of touch with the poor people. there are 50 million people out there that can't get a bank account. they can't get an account at a credit union. they have bounced checks. they can't get a bank account. can you tell me what are these people to do. you can't tell them to pay in cash. everything is online today. prepaid cards were given a very bad rap years ago and they deserved it. just because they are bad doesn't mean that everyone that comes out is going to be bad. i love my card. i stand by my card. i guarantee you one year from now these reporters that have gone absolutely loony -- >> given the attacks that have come on you is there anything you would change about the card? >> one thing i would change about the card. when we can the $3 a month fee will go away. for $3 a month now you get unlimited credit scores, reports, free identity theft protection, everything for free. people should go to the approved card.com, click on fees. look at everything that this card comes with. you don't like it you don't have to get it if you are happy at your bank or credit union stay there. for those people like me with an elderly mother. my mother is 96. she has a different aid almost every day. i can't leave cash around or a credit card around. i got the card. i gave my mother one. it doesn't cost more. you get up to four cards for $3. i get a text immediately. >> if it is good enough for your mother that sounds pretty good. let's take a break. let's come back and talk about one of the key issues. how do people save money in difficult times? what are the best ways? 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[ male announcer ] good choice business pro. good choice. go national. go like a pro. if you are going to have a child you really have to be able to afford to have a child. children are very, very expensive. one child over the first 20 or some odd years will cost you maybe $200,000. it's a lot of money especially if you are going to send them to college. >> words of wisdom. i realized my four children cost me nearly a million dollars. >> what were you thinking? >> deny, deny, deny. let's come to a question many people are asking. should we all be running to buy facebook stock? facebook to me is a brilliant american success story. a young geeky guy has a great idea and the next thing you know it is worth $80 billion. he is going to create god knows how many millionaires and make himself incredibly rich. we should be saluting him? >> i'm happy for him in everything he has created. i'm happy for people when they have success. who wants to bring people down and make it to where they don't succeed? we need to propel each other up? should you buy the stock or not? i don't have a clue. none of us will be able to get in on it on the first offering. it will come out. america will go crazy. it will bid it all the way up and then we have to see what happens. i have a feeling once it has gone all the way up people will want to take profits and it will come back down and you will make the decision if you should buy it or not. it's going to be -- it's a strange one. when google came out look at it now. when apple came out, look at it now. facebook will probably one of those companies. let's take a question. >> my husband and i make about $200,000 a year. we live here in new york city. we don't own property. we don't have kids and we really struggle to save money. what is our problem? >> you live in new york city. >> they have good money. what do they do? the fact they can't save money. >> here is something important. this is the people and president obama was talking about raising taxes on everybody above $250,000. you want to raise taxes make it a million or $2 million of income. if you live in new york city after taxes that is your problem. it is not just federal and state, it is federal, state and city. by the time you are done you are bringing home $100,000 a year. that may seem like a lot but not in new york city. so move. or you make more money. but it's very difficult in this city. >> how much should people save? what are people wasteful about? >> almost everything. i almost started a national riot. do you remember this? i asked people to stop going out to eat for one month. oh, my god. the restaurant industry i thought they were going to pop me one. >> you can't blame them. >> i can. they all go out to eat. put it on credit cards. they are nervous as can be when they give the credit card to the waiter hoping when the waiter comes back they'll say you have been approved because they know they are pretty much to the limit and then only pay the minimum payment due. they go into debt to go to eat and to the movies. people in the united states need to learn how to get as much pleasure out of saving as spending. >> how else do people waste money? >> i personally would tell you weddings. that wouldn't be a popular answer. they normally waste money, number one is entertainment and clothes. >> here is my issue with this. >> you have so many issues. >> i have a lot of issues. you can't kill everybody's fun. even in the tough times. newt gingrich, let's have a moon colony. why not? can you imagine the excitement? when i grew up i remember the lunar landing. that was exciting. >> shake the cobwebs. >> got to dream a dream. >> you have to have the money. who has severe credit card debt in this room? anybody? you. when you go out and spend mun skpae you put it on the credit card knowing you don't have the money to pay it in full, is it fun? when you get the bill do you wish you hadn't done it? isn't it worse to do that than to stay at home and make love with each other? >> another question for the studio audience. i love that my daughter's part fish. but when she got asthma, all i could do was worry ! specialists, lots of doctors, lots of advice... and my hands were full. i couldn't sort through it all. with unitedhealthcare, it's different. we have access to great specialists, and our pediatrician gets all the information. everyone works as a team. and i only need to talk to one person about her care. we're more than 78,000 people looking out for 70 million americans. that's health in numbers. unitedhealthcare. i'm a wife, i'm a mom... and chantix worked for me. it's a medication i could take and still smoke, while it built up in my system. [ male announcer ] along with support, chantix is proven to help people quit smoking. it reduces the urge to smoke. some people had changes in behavior, thinking or mood, hostility, agitation, depressed mood and suicidal thoughts or actions while taking or after stopping chantix. if you notice any of these, stop taking chantix and call your doctor right away. tell your doctor about any history of depression or other mental health problems, which could get worse while taking chantix. don't take chantix if you've had a serious allergic or skin reaction to it. if you develop these, stop taking chantix and see your doctor right away as some can be life-threatening. if you have a history of heart or blood vessel problems, tell your doctor if you have new or worse symptoms. get medical help right away if you have symptoms of a heart attack. use caution when driving or operating machinery. common side effects include nausea, trouble sleeping and unusual dreams. my inspiration for quitting were my sons. they were my little cheering squad. [ laughs ] [ male announcer ] ask your doctor if chantix is right for you. romney was endorsed by puerto rico's governor and campaigned there on friday and saturday. by cnn's estimate romney has more than double santorum. all eyes now turn to illinois which holds the primary on tuesday. the attorneys for army staff sergeant has arrived in kansas. bales is now at fort leavenworth, kansas. he can be charged in connection with the deaths as soon as this week. a foot of snow on the ground and another foot of snow possibly on the way. that's what people in flagstaff, arizona are facing. rescue workers are on overload with tons of accidents and 200 miles of interstate shut down. weather is good news for kids getting a snow day on monday. those are your headlines. i'm don lemon keeping you informed. s chronic osteoarthritis pain. imagine living your life with less chronic low back pain. imagine you, with less pain. cymbalta can help. cymbalta is fda-approved to manage chronic musculoskeletal pain. one non-narcotic pill a day, every day, can help reduce this pain. tell your doctor right away if your mood worsens, you have unusual changes in mood or behavior or thoughts of suicide. antidepressants can increase these in children, teens, and young adults. cymbalta is not approved for children under 18. people taking maois or thioridazine or with uncontrolled glaucoma should not take cymbalta. taking it with nsaids, aspirin, or blood thinners may increase bleeding risk. severe liver problems, some fatal, were reported. signs include abdominal pain and yellowing skin or eyes. tell your doctor about all your medicines, including those for migraine and while on cymbalta, call right away if you have high fever, confusion and stiff muscles or serious allergic skin reactions like blisters, peeling rash, hives, or mouth sores to address possible life-threatening conditions. talk about your alcohol use, liver disease and before you reduce or stop cymbalta. dizziness or fainting may occur upon standing. ask your doctor about cymbalta. imagine you with less pain. cymbalta can help. go to cymbalta.com to learn about a free trial offer. gwill be giving away passafree copies of the alcoholism & addiction cure. to get yours, go to ssagesmalibubook.com. where do you get your jacket? today i'm going to tell you i get most of my jackets in phoenix, arizona at a place called joanne's jackets. >> that is a very good impression. >> it most certainly is. >> where do you get your jackets? >> so she does this. she has done it about six times now. we get e-mails saying we tried to find that place in phoenix, arizona and we can't find it. are you kidding me. >> we are getting a lot of tweets. this says you can have lots of fun without spending. picnics, skating, walks with friends. that is so true. the best times i have had in new york are going to central park and doing my wavy scene where you paddle around into people. it is like $10 for an hour. it is that kind of simple thing that people perhaps could go back to, just having normal old fashioned fun. >> now you are confusing me. a few minutes ago you said people should be able to go out and have fun and buy this and that. >> i thought you were being a little bit miserable in your outlook. they are all broken. they are not allowed to eat. they must stay at home in misery watching suze orman show. i'm broken. >> you are not broken. do you feel like your spirit is broken because nobody is list listening to you? the way you rally them you can't do it by saying let's do this. you have to give them a way to stay in their house and feed their children and go to school and get a job, that they can do the things that are their birth right. they are not asking for a lot of money. they are asking for a place to live. >> don't you think there is also an onus on politicians and business people to stop whining all the time. yes these things have to be facilitated. politicians showing a bit of consensus agreeing on policies, getting stuff done and rallying americans to feel good about their country and themselves. >> yes, sir. i agree with you on that but they are not doing it. all we can say is, why not? >> i agree. why not? >> hello. thank you. i think you are amazing. thank you for your advice. >> i recently received a cash bonus. i'm going to be getting i hope you don't ask me where i work, an income tax refund and i want to know what to do with that. i have a 401 k loan which i got before i started watching your show which i would never do again and i have a credit card debt. >> how much tax refund are you going to get? about 3,000? how did i know that? >> how did you know that? that was freaky. >> how much credit card debt do you have? >> i was afraid you were going to ask me that. it's a lot. >> 15 or 20. >> this is getting very, very unusual. >> if you were to increase your exemptions and not get a $3,000 tax refund you would be getting $250 a month on your paycheck. you could start paying it right now towards your credit card debt. so next year raise your exemptions so you don't get a tax refund anymore. if you got a cash bonus you should immediately put it towards your credit card debt. >> what has been the single greatest moment in your life? if i can relive a moment for you, what would it be? now, i have so many. >> i want one, a straight answer. i got the power. i can zap it back right now. >> there are so many. i have to say probably meeting kay t. we got married two years ago in south africa. you see pictures of her there now. the absolute greatest moment in my life. i would give away every penny i have to be with her. >> all the money in your world and you don't have love in your life is pointless. >> that's the greatest thing. you can see in the pictures. we are going on 11 years now. it is the greatest moment in my life. >> the other thing is how many times have you been properly in love? >> once. this is it. >> let's take a break. one last segment. i want final thoughts on how to get america back on its feet. look, every day we're using more and more energy. the world needs more energy. where's it going to come from? ♪ that's why right here, in australia, chevron is building one of the biggest natural gas projects in the world. enough power for a city the size of singapore for 50 years. what's it going to do to the planet? natural gas is the cleanest conventional fuel there is. we've got to be smart about this. it's a smart way to go. ♪ music. and the confidence to win. [ male announcer ] head & shoulders active sport with the high-performance hydrazinc formula, helps lock in scalp moisture for hair that's up to 100% flake-free. head & shoulders active sport for men. wash confidence in. my name is lacey calvert and i'm a yoga instructor. if i have any soreness, i'm not going to be able to do my job. but once i take advil, i'm able to finish out strong. it really works! [ laughs ] [ male announcer ] make the switch. take action. take advil. only in america story about one of the biggest successes in the country and the world is the facebook initial public offerings. an amazing example of american engenuit engenui engenui engenuity. all with the concept social