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>> some of the rules for changing your credit score are a little tricky. but all right. refinance. >> rates are still low you want to take advantage of this. consolidate your student loans you can site simple tuition and run the numbers to see how much you would save now verses the repayment plan you are currently on. we have 14 credit worthy americans. good time to take action on that. it is time consuming. >> it is amazing what you can save pocket that money put it back in the pocket. get serious about retirements. >> 42 percent of americans have crunched numbers the rest of us haven't. 60...

Crunching numbers. >> that's one of the biggest steps. the financial crisis, the housing crisis, they raided their 401(k), but a lot of people don't run the numbers. you have to crunch the numbers to see how much you'll need to live in retirement. choose to save.org is one that i like. it's a to-page worksheet that takes complicated issues such as social security projections, pensions, expected earnings into consideration and gives you that ballpark estimate to see how much money you'll need to save each year to live comfortably in retirement. >> what if you do all that and you get a number an...

Snowboarder is back ohm this morning. julia got lost in a blizzard sunday. he had been in touch with rescue crews by cell phone. they finally spotted him under some trees yesterday morning and were able to air-lift him out. think you're ready to ret e retire? if you're like most baby boomers probably not. there are big cracks in our nest eggs. an analyst for the washington street journal finds the typical 60 to 62-year-old has less than a quarter of what's needed to maintain their standard of living in retirement. i'm joined by personal finance expert and msnbc analyst vera gibbons. how depr...