Okay, Jim V's question is up next.

He says, Question for the Money Guy Show, we have two teens in college, their college is fully

funded, and their Roth IRA is started.

How else can we help our kids for the next 10 to 15 years?

We have no financial worries.

So they're kind of like, how do we maximize and set our kids up

for even more success?

Well, I have a thought.

And this will sound terse, you have a college,

you have a college kid, so you can tell me if this is insensitive,

but I think about this, right?

My kids are not quite yet in college, not even really. Not quite. But one of the things that I think to myself is as they go off to college, I've

recognized the influence that I'm going to have on them will be much less than when I had them in the household.

So a lot of the heavy lifting I need to do around, setting them up and teaching them how to think about money and teaching them how to make wise financial decisions really

is to happen before they leave the house because once they're out of the house

they're a little bit out of my control at that point they're a little bit out of

the influence that I get to have on them.

So it's wonderful that you guys are in a fantastic financial situation.

I think it's great that you said your kids have started Roth IRAs. Now I would be curious, did they start

Roth IRAs? Did they have some part or some piece of that or did you start Roth IRAs

on their behalf? Because we see this happen both ways.

And in my opinion, the kids that generally turn out

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