 you're back it's Jill on money the program that helps you make better or at least less bad financial decisions let's go talk to Irene who's on the line from New Jersey hello Irene how are you hello Jill how are you great what can we do for you today well I'm thinking of retiring but I'm not sure if I'm able to I listen to your program and I see a lot of people have a lot of money so I'm kind of scared