aspect that needs to be examined but i will say this, last year, the first time in many years, i will tell you something in the hudson river. >> you get a hot dog? >> got a soft ice cream, the hudson river, environmental laws, is a beautiful clean river now. >> stop spending money. neil: make all the boats. a new survey two or three americans losing sleep over their finances and their minds at ease. y actualdid start savin. this gap between when we should start saving and when we actually do is one of the reasons why too many of us aren't prepared for retirement. just start as early as you can. it's going to pay off in the future.