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First income how much goes to the student loan payment and credit card average student is $5,000. so your paycheck leaves when you are in debt. when you don't have payments it's amazing how much you can give, save and invest with your income. >> give me tips. one is be reasonable. don't go to private state out of state. >> if you can't afford it. >> go where you can afford. >> it is parenting problem. it's my job as a dad to guide my 18-year-old son and daughter and say, son, don't go $100,000 in debt or $60,000 in debt when you can go to this school over here and it doesn't cost any debt. it ...

Guess are there a set of best ways that you think this problem of heroin use, whether it be the age of 12 or 21 or 31 and 41, how do you tackle it? >> first of all, if you have a child like you all kind of showed in this clip beforehand, if you have a child at 12, 14, 16 doing heroin, you have bigger problems than heroin. people still have to parent. that's related to parenting. that's not so much a heroin problem. that's a parenting problem. we need to make sure we don't conflate bad parenting or parental issues -- >> then how do you thaep 12-year-old, bad parenting, but how do you reach that...

For when you get married, move into a new house, or add a car to your policy. personalized coverage and savings. all the things humans need to make our world a little less imperfect. call... and ask about all the ways you could save. liberty mutual insurance. responsibility. what's your policy? welcome back to "the lead." in national news, it's a decades-old parenting problem neatly outlined by a classic psa from the 1980s. >> who taught you how to do this stuff? >> you, all right! i learned it by watching you! >> how do you tell your children not to use drugs if you've tried them yourself? ...

Or anything else, he was subject, because the laws are not strict enough, making guns be locked up. >> how do you make somebody put their gun away? how do you make somebody lock something up? we have to go inside their house? >> bob, how many times does a three-year-old go into the cupboard and eat some cleaning fluid and die, too. it happens. >> you're telling me there's an excuse for leaving a loaded handgun -- >> there's not an excuse. i am saying it is not the gun's fault is the point, it is the parents. >> it is a parenting problem. >> if they had a strict law that said you had to lock yo...

A parenting problem? >> i think it's a school/teaching. like morse code before it or any other form of written communication that wasn't the written language, it's just an expansion of language and that is okay because there are only 145 character you get on twitter so you couldn't use the full word even if you wanted to in many cases. when we get in the classroom, it's our responsibility to make sure that we teach children exactly how to write. that is what we're being paid to do and what the expectation of the community is and that is what we should do. >> what about the florida teacher stap...