Hi, I'm Richard Karn, and you may have seen me on TV talking about the world's number one

expandable garden hose. Well, the brand new pocket hose copperhead with pocket pivot is here,

and it's a total game changer. Old-fashioned hoses get kinks and creases at the spiket, but the

copperhead's pocket pivot swivels 360 degrees for full water flow and freedom to water with ease all around your home.

When you're all done, this rust-proof anti-burst hose shrinks back down to pocket size

for effortless handling and tidy storage. Plus, your super light and ultra-durable pocket hose

copperhead is backed with a 10-year warranty. What could be better than that? I'll tell you what,

an exciting exclusive offer just

for you. For a limited time, you can get a free pocket pivot and their 10 pattern sprayer with

the purchase of any size copperhead hose. Just text water to 64,000. That's water to 64,000 for your

two free gifts with purchase. W-A-T-E-R to 64,000. By texting 64,000, you agree to receive recurring automated marketing

messages from Pockethost. Message and data rates may apply. No purchase. Required. Terms,

apply available at PocketHose.com slash terms.

Well, news alert, the retirement crisis is here right now. Over the last several decades, the American retirement system has shifted immensely, and no one wants to admit it. Working hard used to result in guaranteed retirement through some sort of a pension plan. And pension plans worked in tandem with the 401k plan. Remember, a 401k plan was never meant to stand on its own. It was meant to be an

add-on to the pension plan. A pension plan is an employer-sponsored retirement plan that pays out

lifetime benefits via monthly checks to their employees at retirement. The amount is based on factors

like the employee's income, years of service with the company. And up until

the 1980s, the pension plan was the most commonly utilized retirement plan in the United States.

But today, traditional pension plans have pretty much disappeared. Do you know anyone that has a

pension plan? They exist, but they are rare. You know, it's like trying to find the Dead Sea Scrolls.

Most American companies have shifted from a defined benefit plan to a defined contribution plan.

This means they aren't contributing to your retirement anymore. You are, and only you are

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