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When the only thing at that level of the pyramid they need to do is nail that credit card debt. >> there are very few investments that you can get that will get you the return of paying down your debt that, as you said, you might be paying 19% for. >> yeah. >> after you've handled cash flow and after you've handled debt, then and only then do you start thinking about the next level, savings. >> 10% of your gross income. a lot of people say, bruce, all of this is so complicated. how do i keep track of it all. there's so much to think about. there isn't. save 10%. are you doing that? yes or no. ...

Need to do is nail that credit card. >> there are very few investments that will give you the return of paying down your debt as you said you might be paying 19% for. now, after you've handled cash flow and after you've handled debt, then and only then do you start thinking about the next level, savings. >> 10% of your gross income. a lot of people say, bruce, all of this is so complicated, how do i keep track of it all. there's so much to think about. there isn't. save 10%. are you doing that? yes or no. i do these call-in shows and people ask me all sorts of questions. i take them through th...