Welcome to Karen Hunter is awesome. I am Karen Hunter and I'm continuing a conversation that I had with Chris

Hogan, personal finance expert. And this time we opened it up to the callers and also the

people in the studio. They had some questions.

I needed to hear the answers. So do you. Stay tuned. I just tell people all the time, listen, don't tell me you can't. Tell me you won't. Right. Right. That's a whole different mindset right there. Because saying you can't means it's not available to you. That's not true. saying you won't means you won't try and that's something you got to live with now listen

there was a study you can't means it's not available to you. That's not true. Saying you won't means you won't try.

And that's something you got to live with. Now listen, there was a study I was talking last week,

last drive Thursday about one and six millennials because they're afraid of the market

that's coming and the economy that's coming. One and six millennials have a hundred,000 saved. And that floored me because I'm around millennials. And I'm like, where are they? That shocks me too. Where are they? Who are they? But then the phone lines lit up with millennials from this audience who have more than $100,000 saved. I was like, okay. Let me roll something. Yes. Wow. Well, you know, they may have debt. They may have student loans, but they're focusing on saving because they're unsure about what jobs are going to be available, whether the economy is going to be stable. So they're holding it on to their dollars. They're not into this popping bottle culture that we had in the 90s and 2000s, and they're more frugal. And I'm actually excited about this generation. I like to hear that. So we, you know, I just say, I don't know. So I put the number out and then the phone lines lit up. And I was like, hey, okay. Yes. Hey, millennials. I'm going to go to the phones first and welcome in Shanika and Virginia.

She's got a question for the one and only Chris Hogan.

Hey, Shanika.

Hi, Karen.

I love your show.

How are you?

Thank you.

I'm good.

Good.

Hi, Chris.

So, I'm military.

And I just recently went through the Dave Ramsey, the university, the financial peace university,

coach loved it.

Yes, good.

So since June, I paid off like 20 grand and I'm like, I'm telling everybody like, oh my God,

...