Whats our countdown . Two weeks, then we can drink. Little clink . Yes, dear on the air. Okay, yesterday we got a lot of feedback because meredith decided she was going to clean her closet. Did you really get feedback . No. Nobody cares. But anyway, you do what a lot of people did. You started. I took everything out of the closet, not everything, but a lot of stuff. Then i got so exhausted, i cant deal with it. Its overwhelming when you see all the junk you have. You have to sort through. Is this your house . Not the whole house, the hallway. Whats all that . Stuff that was in my closet. Like what . Some of it from the today show, brings back memories. Swag. Then clothes and junk. Just a lot of junk. There we go. So we got to talking in the makeup room about whos messier. Clearly, im going for a run for my money. We decided we are going to pull out our purses. Right. We havent seen each others. We dont know whats in. Thats mine. Okay. I just want to point out merediths purse. This is a purse. Why are you being judgmental . This is not a purse. It is a purse. To me, its a purse. No, its a back i use as a purse. It is a purse. This is pretentious. This is your idea of a purse. Look at the bottom of it. What is that . Its broken. Those are supposed to keep it in, but they are so heavy, they fall off. First, lets weigh to see whose is heavier. Heres meredith. Oh, its not bad. How much . Nine and a half pounds. Okay. My son was 9 pounds, 16. Just for the record. My first. Are we the same . Im nine, youre nine and a half. You go through this one. Im going to go through this one. Can we really show people whats in here . Each pull one thing out at a time. Pull this out. Look inside of it. Whats that stand for . Gucci . No. Another bag is inside the first bag. Let me point out something about this particular bag. Its filthy. No, its not. Thats my makeup bag. This is merediths makeup bag. Thats not my makeup bag, its my eyeglass bag. I got your wallet. First of all, outside the wallet is the money, not even in the wallet. You dont know what that is. Can i show you what it is . Yes, what is it . Oh, my god. Sylvester putty tat. Theres a sweet story behind this. I want to hear it. This isnt some sex toy. When i started although it could be. When i started cbs news way back when in the 70s, im so frightened of traveling, so scared to fly. I was flying all the time. My mother knew i loved sylvester putty tat from the old days of loony tunes. And you carry it everywhere . The stuffing is falling out. See, the beads. I thought that was jewelry. You took a lovely moment and tried to destroy it. Thats what is inside my purse. Im sorry. Okay. Merediths got a brush. Lets pull out the weirdest thing you can find. Get over it. Get over the new orleans thing. I am so far away from being over the new orleans thing. I was just down there this weekend. This is terrible. This is fantastic. What is it . My friend gave me this card for my birthday. This year or last year . Baby, darling. Happy birthday to you. I love this. I play that when im depressed. Lets play it. The happy birthday thing. Okay, what are the weirdest things . Cough drops. Hat. A hat. Yeah. Okay. Weirdest thing, pull it out. Im trying to find the weirdest thing in your deodorant . Yeah, got to have that. You have so many bags. They are important. Pills . Midol. You need that. Anyway, thats it. Just show my wallet. Thats important. Wheres your wallet . You know what . Thats my makeup bag. You cant close it up, though. Heres your wallet. Oh, my god. Okay, okay. Mine was a mess, meredith you have 20s just hanging around. No theres your bank statement. Give me that statement. You know what this indicates, all kidding aside, that we really have some issues with cleaning and organizing. Yeah, we do. I dont know whether an organized mind is a good mind or not. I like my purse the way it is. Okay, lets get it together. Sylvester back, please. Im sorry. Its a sweet thing. What about beyonce, lets deal with it and get it over with. Beyonce my makeup bag. Dont forget it. Beyonce, you guys, lip syncing is one of those things contacts they guess its known in the industry, and especially people do it at super bowls and all that kind of thing because they want to get it exactly right in timing. So beyonce, they say, was lip syncing. And when you look at it and you can see a clip of it, the only tipoff to me, because it looks right on the money, is the people behind her, who dont seem to be feeling what shes doing. They dont seem to be reacting to her great singing. And at one point, she pulls out her earpiece, which i think happened earlier. That was interesting. You think if she were singing to the track, shed need it. But what i didnt know, singers when they come to the today show you have to sing the song. Theyre allowed to have their voice in their ear and were sort of singing with themselves. Were you upset . Its not the biggest thing in the world. I wish she would come out and say something. I think it would be better to say what was going on. No big deal. The fact they dont talk makes it into a bigger deal somehow with people. A lot of people have sung the National Anthem in those kind of things, faith hill sang to track, i guess, jennifer hudson, there are a lot of people who have done it. Whitney houston, there are a lot of people who have done it. We should ask Aaron Neville whos here. Aaron neville is with us. Come in, aaron. Aaron, by the way, is turning 72 27. 27 tomorrow. You look so terrific. Thank you. So handsome. Tell us about this. Beyonces up there. Now theres talk shes lip syncing. Is that unusual, big deal, not a big deal . Who cares. I watched it live, she had chills running through me. Shes one of the greatest things in the world. When she pulled the thing out of her ear, the ear monitor they use, you can hear your voice and the band. And sometimes they have a lot of frequencies going around, like the secret service so its annoying. Interference. She has another one in her other ear. It wasnt that you thought it was a big deal at all. No. You give her a big thumbs up. Two from Aaron Neville. Were going to talk to you about a new cd you have out. So new orleans, i love seeing you, aaron. Well talk to you in a little bit. You know what, one of the great songs on aarons cd is under the boardwalk. I love that song. Under the boardwalk down by the sea i love it. On a blanket with my baby is where ill be how are we doing, aaron . Doing good. Hes not even looking. Totally gone. All right, here is some bad news for the women in the audience who are watching. Which i have never heard of this. I think of wednesday as hump day, as in going over the hump. Of course, you do. Every day. Apparently at 3 30, according to Research Done by suntan maker san tropez, women look their oldest at 3 30 on wednesday. If youve been using that product as i did when i was young you did use it . All the time. I dont mean to pick on them, but slather it on and just bake. You look bad every day by the time youre my age. Hump day, apparently 3 30. I guess its cumulative. By that point in the week . The stress of the week is adding up, youre totally feeling it. You dont see the end. That exact moment, 3 30, if you look at yourself in the mirror, apparently, youve never looked worse than that. But you discovered something thats good for skin. Which i like considering the wintertime, tell. Oh, my gosh. And im not kidding. Seriously. I heard this somewhere, and i tried it. Go buy because i get lotions all the time, try stuff. They always have chemicals in them. Go to health food stores, probably any supermarket, and buy cocoanut oil. It looks a little bit like lard. Comes in a jar. And i slather it all over me after i shower. You smell like a coconut, but then that smell goes away and your skin is so soft. Youre kidding. Isnt that soft . Do you put it on your face . Everywhere. Everywhere. I dont want to know. Nobodys interested in your everywhere. It works and its great and its natural. Okay. You can also cook with it. There you go. They say youre supposed to laura was saying you put it in your dog food, its good for their coats. What are you referencing . I dont know. Its great. Try it. People should try it. Theres something about starbucks baristas and wearing your name tag. You have to tell them your name, the theory goes why shouldnt they have to tell you their name . Do you care . I dont know. I care. I like to know peoples names. Do you ask . I dont. I dont. Anyway, thanks, joanne, that was good. No, no, no, joanne wanted to mention off your rockers with betty white, because they did a spoof on this. The name calling. Have you been on the show . No. We havent but a lot of people have. It looks like a blast. Its like an older version of candid camera. They are having fun with people in a latenight coffee shop. Take a look. A large black red eye for testicle . A mocha frappuccino. For jock. Jock strap . Is there a jock here . A jock strap . Anybody at all . Who ordered this stuff . Thats cute. Is that betty white . That woman was in on the joke, right . Im confused. Yeah, yeah. I was really confused. Okay. Thats cute. That is cute. What else do you got . We have something for the flu. A lot of people are getting ill from the flu. We had some fun with it yesterday. We had a drink thats all weve had so far, a drink. That drink yesterday was awful, awful. Nasty. It had garlic in it and something else. Did you taste it forever, all day long . I did, but you know, if it works it works. Apparently, they say this stuff works. This is a sorbet, and its called jennis splendid ice creams from columbus, ohio. Its got all the flufighting ingredients you would need. Bourbon. Oh, i cant have it. I cant have it either. Im on a cleanse. You can. Im on a cleanse. How many times no one goes through more cleanses than you. Whats in the cleanse . Eating healthy food. Eating whats called whats it called, clean food, raw, a lot of raw. You can have fish, you can have chicken. What cant you have . Any processed food. Whats going on . No alcohol . Ill take this, because i dont want to get the flu. Okay, bye. bye, jojo. You cant have alcohol . No sugar, no caffeine, nothing processed. But you can have so much food. Its not like you cant eat. In fact, youre supposed to eat a lot. Do you feel better when youre on the thing or not . You have more energy. You have to drink that stuff that tastes like youre drinking grass, but it does energize you. You do it for 28 days. Its what al does. But its not its not depravation. Its not bad. Are you sure . Dont i look healthier . Yes, you do. You definitely do. Millions of people are doing it, were talking about when you dip into your retirement account. Were going to have good advice. From jean chatsky who has been drinking for half an hour. We watched you drink so much alcohol. Not nice. And team hoda and kathie lee are warming up getting ready for our get fit challenge. Joy was also drinking. First, these messages. [ female announcer ] going to sleep may be easy, but when you wake up in the middle of the night it can be frustrating. Its hard to turn off and go back to sleep. Intermezzo is the first and only prescription sleep aid approved for use as needed in the middle of the night when you cant get back to sleep. Its an effective sleep medicine you dont take before bedtime. Take it in bed only when you need it and have at least four hours left for sleep. Do not take intermezzo if you have had an allergic reaction to drugs containing zolpidem, such as ambien. Allergic reactions such as shortness of breath or swelling of your tongue or throat may occur and may be fatal. Intermezzo should not be taken if you have taken another sleep medicine at bedtime or in the middle of the night or drank alcohol that day. Do not drive or operate machinery until at least 4 hours after taking intermezzo and youre fully awake. Driving, eating, or engaging in other activities while not fully awake without remembering the event the next day have been reported. Abnormal behaviors may include aggressiveness, agitation, hallucinations, or confusion. Alcohol or taking other medicines that make you sleepy may increase these risks. In depressed patients, worsening of depression, including risk of suicide, may occur. Intermezzo, like most sleep medicines, has some risk of dependency. Common side effects are headache, nausea, and fatigue. So if you suffer from middleofthenight insomnia, ask your doctor about intermezzo and return to sleep again. Im up next, but now im singing the heartburn blues. Hold on, prilosec isnt for fast relief. Cue up alkaseltzer. It stops heartburn fast. Oh what a relief it is just like the song says, you cant touch this, we hear it over and over again. Never dip into your 401 k to pay bills or get rid of debt unless it is absolutely necessary. In these very, very challenging economic times, its getting harder than ever to save money, and millions of americans are tapping into their nest egg, so is it ever a good idea . Jean chatsky is todays financial editor. Hey, jean. Heres one of these things that when youre in a bind and look over and see a nest egg, i only have one option, its to tap into that. You can understand why a lot of people would want to. Especially these days. Absolutely. And this is a survey that we looked at from 2010. 70 million came out that year, which is about a quarter of the money that went in, and thats really, really distressing. People take loans from their 401 k s, they cash out when they switch jobs, and also make whats called hardship withdrawals. Not any of these options would be high on my list as a good idea. Whos doing it and why are they doing it . The most distressing fact about this is people are doing this because they just dont have the skills to manage their money. The sweet spot seems to be people in their 40s that are taking money out for credit card bills, help with college tuition, get themselves through a tough time, and these are people who weve learned dont have emergency funds, dont have emergency cushions. Even if you had a few thousand dollars on the side to get you through, you might be able to avoid doing it. Speaking about the rainy day before you have the rainy day. . Whats the better option then . If you really do need money, you have an operation, you dont have the money to get through, you have a 401 k, you shouldnt withdraw from it. You have to pay income taxes, which can eat up 30 . You may have to pay a 10 penalty, which is even more. The better option is to borrow from yourself, essentially, and when you pay that money back, you pay back over five years, you pay interest on that money, that interest goes back into your account. And the vast majority of people who borrow from their 401 k actually do pay it back. If you dont pay it back, its treated as a withdrawal. It just doesnt work in your favor. If you need to do it, thats the better option, but i would always say, take a look at what your other options happen to be. Maybe you have things that you can sell. Maybe you can make additional money on the side. I know. Youre looking like i get it. You got to use it. Its sitting there, thats the thing. The big question to ask yourself, is this a problem that borrowing from my 401 k will solve, or is this just going to tide me over a bit and im going to have to cash out later and really take the hit . If thats the issuehen how do you deal with it . Then you look at what the underlying problem is. It may be youre living in a house thats too expensive to you, you have three cars and you can only afford one. You have to fix the underlying problem, or youre never going to get back ahead. Talking about iras in general, how much should you be putting in . To begin with . A, enough to grab any matching dollars on the table from your employer. If youre heading into your 40s, 10 a year. If youre 40 and havent saved anything net, 15 a year, that can include the matching dollars. The best thing people to do is run through a retirement calculator saying this is how much money i need to save in order to, with social security, have enough money for my retirement. Do you support these moves to regulate so you cant take money out . I have heard that suggestion many, many times. I dont think its going to work, because what will happen is people will say, if i can never get at that money, im not going to put it in. Its your money. Do what you want. Thats a big, big problem. Yeah. Jean, thank you. Sure. You can smell the wine from here. You can, for the record. A few sips. One of the most hilarious cast members from saturday night live. The very talented Darrel Hammond is here. Team hoda i knew i loved him. I knew i did. Aching myself how to play guitar; ran ten miles while knitting myself a sweater; jumped out of a plane. Finally, i became a ping pong master while recording my debut album. How you ask . With 5hour energy. I get hours of energy now no crash later. Wait to see the next five hours. Hey hey honey hey alan. Uh, hey. Im bob, we talked at the tax store. I did your taxes. I thou . . T you were a tax expert . Today, im a master plumber. Major tax stores advertise for preparers with no tax experience necessary. At turbotax, you only get answers from cpas, eas or tax attorneys all real tax experts. Than h r block stores and all other major tax stores combined. Are you looking for something to do this winter . How about taking in classic family movies. Then a Live Performance of fourtime grammy award winner. We love him, Aaron Neville. Girls getting ready to test their diet iqs. Their first weight loss challenge after this. First your local news and weather. Yield to restful sleep. And lunesta® eszopiclone can help you get there. Like it has for so many people before. When taking lunesta, dont drive or operate machinery until you feel fully awake. Walking, eating, driving, or engaging in other activities while asleep, without remembering it the next day, have been reported. Lunesta should not be taken together with alcohol. Abnormal behaviors may include aggressiveness, agitation, hallucinations, or confusion. In depressed patients, worsening of depression, including risk of suicide, may occur. Alcohol may increase these risks. Allergic reactions such as tongue or throat swelling occur rarely and may be fatal. Side effects may include unpleasant taste, headache, dizziness, and morning drowsiness. Ask your doctor if lunesta is right for you. Then find out how to get lunesta for as low as fifteen dollars at lunesta. Com. Theres a land of restful sleep. We can help you go there on the wings of lunesta. But im still stubbed up. [ male announcer ] truth is, nyquil doesnt unstuff your nose. What . [ male announcer ] alkaseltzer plus liquid gels speeds relief to your worst cold symptoms plus has a decongestant for your stuffy nose. Thanks. Thats the cold truth you know, what are you thinking . Oh, i had a knot in my chest. I didnt really want her to go but. I knew she could do it. I felt like there were bigger and Better Things for me to do. [ mom ] she took what she was doing seriously. [ hosmer ] my selfconfidence just went through the roof. [ dad ] it was awesome to see her transform from a girl, in a small town, to a soldier. [ male announcer ] you made them strong. Well make them army strong. Talk to your son or daughter about joining the army. Find out how at goarmy. Com parents. And were back more wi