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i want to work part time and ease in to it. the key is, have a picture of where you want to go when life gets hard, which it will. it will drive you to making good financial decisions. >> neil: well-put. thanks very much. derrick was pushing that i do this retirement story with you. thanks for that. you never know. you have to be prepared. i have to tell you, folks, it sounds simplistic, money in, money out. you can't spend more than you're taking in. it's as simple as that. maybe you'll have a long, long retirement doing that. not unless you're a prime customer. the ftc cracking down on amazon saying they're giving prime membership fees to customers that never wanted prime. what the heck is going on? >> well, neil, do you find yourself signing up for something and you go to the cancel the subscription and you can't figure out how to do it?