 question. Can you cover an unexpected $400 expense? A new report showing four in 10 Americans can't. That same report also finding another 25% of people say that money problems have caused health problems. So what can you do today to get ahead tomorrow? Here with some tips from the stock swoosh is Melissa Armo. Thank you for joining us this morning. Good morning. How are you? You too. Why do you think it is that people are struggling like this? I think all in all, people just don't. They don't budget correctly. People just tend to spend and they don't realize it. The best tip I can give you is sit down to your budget with your absolute expenses, your rent, food, utilities and see what you have left. Right. If you have $500 left after that, but at the end of every month you really don't, you're obviously spending money on things that you really need to cut back on. Going to Starbucks every day, going out to lunch five days a week, maybe pack. Things like that. You know, a lot of people just don't budget correctly. Make your own coffee at home. You can do that. But why is it important for people to know these things and to really sit down and do this? Because I feel like a lot of people might realize they have this going on, but it's like, I don't know how to figure it out. You know, it's really simple. Just like I said, sit down and budget because you'll find that if something happens, like you were talking about something comes up, it can really stress you out if you don't have any money saved in the bank. And that's the problem. 25% of Americans have no retirement savings. I mean, this is something that you can do through your job. If your company offers a 401k, you can be putting money into that. Now is a great time to do that. And here's why. The stock market has been rallying. We've had all these new tax cuts with the new tax plan. Take advantage of it. Add your 401k. If you've been seeing a savings in your monthly check since January since the tax savings came in, stick that money into your 401k. A lot of companies do a nice match. And if you don't do it now, all of a sudden, a year ago by, two years ago by, five years ago by, you'll be getting close to retirement and say, wait a minute, I don't have enough. And what am I going to do? And that's why many people are being forced to have to work into retirement. So what can you do now? What can you do starting today to get ahead tomorrow? To start off here, you talk about consolidating your credit cards, consolidate your credit cards, cut back on non necessities, do a budget, start to invest in the stock market. If you don't know how, ask someone or learn how to do it. And most importantly, take better care of yourself. You know, when you're in a good, healthy position, physically, emotionally, you're going to make better financial decisions and you'll find you don't need all those extra things that you're spending money on. All right. Thank you very much for your time this morning. And for your tips, we certainly appreciate it. It is 25 minutes after the hour.