Hi everyone I'm Rose Marie Miller here with Kelly Phillips Erba a

senior writer here at Forbes here to tell us how to beat high interest rates with

the Bank of Grandma.

Thank you so much for joining me today, Kelly.

Thank you for having me.

Kelly, I absolutely love that headline.

Those are your words, Bank of Grandma.

Could you tell us what do you mean by that?

So I think a lot of us think that when we are looking

to borrow money, we're going to hit traditional sources, right?

So we're going to go to our bank.

We're going to consider borrowing from maybe retirement accounts

or other accounts that we have.

That may be a little off limits, but we're going to raid them

because we need money.

But a lot of times we don't think about the fact

that there may be another source of wealth

that's available to us, and that could be grandma

or your parents or your favorite uncle.

It is often the case that some older folks have access to

liquid assets more than younger folks and one of the reasons that we tend to have

our things tied up in addition to younger people maybe just

...