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Negotiations. but there are some things that we can look at. >> kelly: let me ask you, we, as you said, it's out of control what we can do to get congress and the president to step up and do the right thing and find common ground and give us a solution. so, what's in our control, should we go off that fiscal cliff because of congress's inactivity? >> more than you would think. the first thing, take a look at long-term capital gains and you've probably been hearing this in the news, if you've held a stock for a long time. you know, you had a position and it's how to gain, is this the right time...

Charged with handing down major decisions that will have massive impact on the society, will their will be more thinking of it's time to reform the way in which the court works and perhaps have them not serve lifetime tenures or think of a different retirement process that is not hinging to political landscape? >> you are in there for life once you are in, i think that there's never momentum against the supreme court to reform it or change the length of the tenure or anything else because the justices have way more respect than the president does, than the congress does. everyone can find some...

Years, get pension, social security, payoff the more beginning and you retired and everything was comfortable for most people. much different age we live from now. >> rick: a lesson that my parents have taught me since i got my first job. you pay yourself first. you put that money away and have whatever else is left to do whatever you need to do. but pay yourself first. how figure out how much you need to put away? >> everybody has their own, a few things you can control. you know your age. you know when you expect to retire. you know how much you currently have. as you said, can you pay yours...