or so have cut back because of hard times. make sure you're at least doing up to the company match. try to go up 2% or 3% each year. >> the retirement investment allegations there, as well. >> check your asset allocation. what percentage should you have in stocks? what percentage in bonds? is it out of whack? if so, rebalance it back to that original allocation. reduces risk and kicks up your return a little. >> another one people probably don't think about enough, you need to set some goals. but you they need to attainable. >> i worry about people who say i've got $20,000 in credit card debt, my goal is to pay it off. what about paying $5,000 of it or $7,000 of it? make attainable goal, but do make goals, very important. >> we shouldn't shoot for the moon necessarily? >> make sure it's reasonable. >> okay. karen lee. you're really helping me out. you and also the guest we had on taxes. common sense stuff we all know but need to be reminded about