and in may, kids are greating. droves of college students are coming home to mom and dad's house because they're saddled with debt. and i have to say, mom and dad, this is not budget neutral. you need to make plans for the money, and set ground rules because you don't want this to foil your retirement plan. that's one of the biggest expenses that you'll ever have. >> and then june, what happens? kids are out of school, what do you do in june? >> well, you know, i can hear wedding bells ringing already. and so instead of buying an elaborate gift for someone for their wedding, why not just give them some small memento and then write them a check so that you can help them jump-start their financial future by funding an emergency reserve fund or a house down payment? >> june, since your name is june, we're going to stop right now in june. we still have a half year to go. you've left us in suspense. stick around after the break.