“I’m 54. My advisor said fully funding my 401(k) won't make a big difference. Is he right?”

Summary

HerMoney with Jean Chatzky
Episode: “I’m 54. My advisor said fully funding my 401(k) won't make a big difference. Is he right?”
Guest: Andy Hill, Accredited Financial Counselor, Author of Own Your Time
Release Date: March 27, 2026

---

Episode Overview

This episode tackles a critical concern for women navigating midlife and retirement planning: how to align your money with the life you want today—not just decades from now. Host Jean Chatzky is joined by financial coach and author Andy Hill to explore realistic ways to use financial freedom to reclaim your time, make work-life decisions with confidence, and address the unique challenges women face in saving for retirement, managing caregiving responsibilities, and balancing family needs.

Listeners’ questions drive an honest, empathetic conversation about whether maxing out your retirement account is always best, how to weigh earning versus living, and what real financial balance can look like at midlife and beyond.

---

Key Discussion Points & Insights

1. Redefining Financial Freedom: Money as a Tool for Time

• Jean Chatzky opens the episode reflecting on feeling out of control of her own schedule:

  "Lately I am feeling as if my schedule is running me…Questions…are about something deeper. They’re about whether you should try to put some more money into that 401(k) or maybe ease up a little bit…how to balance your peak earning years with caregiving, with burnout, with the very real desire for breathing room." (01:21)

• Andy Hill introduces the concept of “owning your time”:

  "If you were to look at a calendar and you said, these are the things I would like to be doing this week, you have a good control of what those things are." (03:45)

• Andy shares his journey from corporate burnout to redefining priorities through intentional financial planning, anchored in the purpose of maximizing joy and connection over work for work’s sake.

---

2. Listener Questions: Real Life Dilemmas

a. Am I Saving Enough if I’m a High Earner?

Anonymous, age 41: Maxing out retirement, $800K saved, but unsure what more to do

• Andy’s advice:

  • First, assess your current lifestyle and expenses, not just your assets.

    "How much do I need to live a comfortable life today? And…will that go up? Will that go down?" (11:34)

  • Use calculators to model what happens if you keep saving aggressively versus easing up; see if you reach a “Coast FIRE” point—where your investments can grow independently, even if you reduce savings.
  • Consider, “Could you enjoy your life more now, in your 40s, and not just wait until your 60s?” (13:23)

• Jean reframes traditional retirement math:

  "Fire math…says, yeah, your savings are great, but let's actually focus on your expenses and getting us to a multiple of those expenses that is sustainable by investing and pulling out 4% ish a year." (13:23)

b. Should I Max Out My 401(k) at 54 If My Advisor Says Not To?

Sally, age 54: Can max out new 401(k), but advisor says it won't matter much; spouse has significantly larger retirement savings

• Andy praises the advisor’s out-of-the-box thinking:

  "The financial advisor providing this type of advice…I really think that's very cool…Those are the conversations about quality of life, not how big your wealth pot can be." (16:47)

  • Suggests reframing the savings goal: Is it about parity with your spouse, or about the security of your joint plans?
  • Encourages couples to talk openly about whether their retirement resources are pooled and whether their goals are shared or individual.
  • Acknowledge the emotional component: Sometimes “marriage counseling” helps as much as a financial advisor (17:49).

• Jean adds that life stage differences between partners matter:

  “[My husband] is eight years older… I want to enjoy my retirement…but I also want to be able to enjoy his before he is not able to do some of the things we want to do.” (18:22)

c. Should I Take a Pay Cut to Care for an Aging Parent?

Julie, age 52: Supporting her mother financially and with time, debating whether to reduce work hours

• Andy supports exploring work-life adjustments:

  “I don't think it's financially irresponsible for her to look at different arrangements that could give her more time back in her week and have that trade off. We're talking $20,000 to $30,000 a year. We're not talking about quitting.” (22:59)

  • Recommends talking to colleagues who have made similar choices.
  • Highlights importance of considering present value of time with loved ones vs. incremental financial growth.

• Jean breaks down the caregiving decision:

  "Is this actually something that you want to do…If you don’t want to do it…look into hiring somebody to do this for you…you’re still making those additional 401(k) contributions, grabbing those matching dollars, and at that point, you are not spending your time doing something you don’t want to do." (24:32)

---

3. Crafting a Life You Want: How Andy and His Family Did It

• Andy and his wife designed their “dream week,” tracked spending/income, cut costs, then increased income through side hustles and career advancements.
  • They reached “Coast FIRE” by age 40, allowing them to slow contributions and reduce work hours.
  • Today, both work 20–25 hours/week, prioritizing health, parenting, marriage, and extended family care.

  “Now my wife and I both work 20 to 25 hours a week…That opens up our week to do things that we really care about…being present parents as our kids are now in their preteen and teen years, and…being there for our aging parents as well…” (26:57)

---

Notable Quotes & Memorable Moments

• On Defining Control Over Time
  Andy Hill:

  “There comes a point in time where you say, that's good. What can I do for myself?” (05:55)

• On Joint Financial Goals in Marriage
  Andy Hill:

  "If you are in a joint relationship together and your retirement income pot is his retirement income pot and vice versa, then maybe these could be more thought of as joint goals as opposed to individual goals." (17:15)

• On Taking a Step Back for Caregiving
  Andy Hill:

  "Adding that additional time with your parents, that's only something that you can answer if that's something that you want to do." (24:06)

---

Timestamps for Important Segments

• [01:21] – Jean’s introduction: Why money should support time, not the other way around
• [03:36] – Andy Hill defines “owning your time”
• [06:25] – Andy on making real life changes after burnout
• [11:34] – Listener Q1: High earner, midlife, what's next beyond maxing retirement?
• [13:23] – Jean explains FIRE, Coast FIRE, and focusing on expenses
• [15:16] – Listener Q2: Is maxing out a 401(k) at 54 still worthwhile?
• [18:22] – Jean on joint finances and age gaps in marriage
• [22:59] – Listener Q3: Should I reduce work to care for a parent?
• [24:32] – Jean on weighing the “caregiving” question and the value of your time
• [26:57] – Andy describes how his family achieved their dream work/life setup

---

Takeaways

• Maxing out retirement accounts isn’t always the top priority once you’ve hit a sufficient savings milestone; sometimes, the marginal benefit is less than the value of time today.
• Joint financial planning in marriage can reduce pressure to “catch up” if you’ve taken career breaks—your plan is likely a shared one.
• Caregiving trade-offs are highly personal. Use your financial flexibility to decide if more time or more cash flow matters now—there’s no universal right answer.
• Design your “dream week,” then use your money as a tool to get closer to that reality, rather than chasing arbitrary savings targets.
• Quality of life should be part of your financial planning.

---

Overall Tone

Frank, empathetic, and empowering—the episode balances practical financial advice with genuine compassion for real-world complexity, especially the unique trade-offs women face around money, family, and time.

---

For more actionable tips, subscribe to the HerMoney newsletter or join Investing Fix for women.

---

Transcript

[A]

As a chef, I know flavor doesn't begin in the kitchen, it begins on the land. And West Home's Nature Led Australian Wagyu is a story written in the landscape of Northern Australia. Cooking is storytelling and West Home Wagyu carries a story of Northern Australia itself. Raw, powerful and deeply authentic. It's a testament to the passion and care raised in the rhythm of Northern Australia. I'm chef Meilin from 88 Club in Los Angeles and I invite you to visit westhome.com maitland to learn more and taste a story only Westholm Nature Led Australian Wagyu can tell. That's W-E-S-T-H-O-L-M-E.com M-E-I-L-I-N Spring starts at the

[B]

Home Depot and we are bringing the heat to your backyard this season. Fire up the flavor with our wide variety of grills for under $300. Like the next grill 4 burner gas grill that's perfect for hosting your spring cookout. Then set the scene and turn your outdoor space into the go to spot the patio sets for every budget. Bring it this season with grills that deliver flavor and patios that set the vibe from the Home Depot. Start your spring with low prices guaranteed at the Home Depot. Exclusions apply. See homedepot.com Pricematch for details.

[A]

Hey everybody, it's Jean Chatzky. Welcome to hermoney. And let me ask something. When was the last time you felt like you were truly in control of your time? Not your calendar, not your to do list. Your time? It has been such a long time for me that this show, I know we're doing it for all of you, but I gotta say, this feels like a whole lot of me search because lately I am feeling as if my schedule is running me. And I'm definitely not the only one. Because the questions coming into our mailbag are not just rates of return questions. They're not just Roth conversion questions. Though we appreciate all of those. They are about something deeper. They're about whether you should try to put some more money into that 401k or maybe ease up a little bit. Whether stepping back at work will derail your retirement or maybe not. And how to balance your peak earning years with caregiving, with burnout, with the very real desire for breathing room. In other words, how do you use your money to create more freedom? Not tomorrow, but right now. That is what we're talking about today. We're not talking about extreme fire. We've done a lot of Fire shows on this podcast. This is not an extreme fire show. We are talking about realistic, responsible ways to design a life where your money supports your time, not the other way around. And to tackle all those questions, I am joined by Andy Hill. Andy's an afc. He. He's the founder of Marriage, Kids and Money and the author of the new book Own youn 10 Financial Steps to Put yout Family first and Escape the Corporate Grind. Andy, welcome. Where have you been all my life?

[B]

Oh, Gene, I love your intro and thank you so much for talking about this important conversation because as you said, a lot of people are asking about

[A]

it before we dive in. Gimme the 32nd version. When you say own your time, what do you actually mean?

[B]

I mean that if you were to look at a calendar and you said, these are the things that I would like to be doing this week, you have a good control of what those things are. Really?

[A]

And how did you get from chaos to putting this into practice in your own life?

[B]

Oh man, you got more than 30 seconds for that, right?

[A]

Yeah, for sure.

[B]

Well, there was a point in time where, and I think this happens for a lot of people. You don't want to make a change until you hit a burnout or a moment where you say, ah, I gotta make some change, otherwise I'm gonna be owned by this life that I've put together that I don't really have a lot of control over. So for me, this was around the time where I was a newish father of a four year old and a two year old and I was deep in the heart of my corporate event marketing career. And this required me to be traveling, you know, working very hard, growing a team. You know, I was a sales director. So as part of that it's, you know, hit those goals and then hit the next bigger one. So there was a lot of demands on my time and I had gotten to a point around this moment where I took a breath and said, I don't really have control of much. You know, I'm working the most of my time and then when I come home, I love my 4 year old and 2 year old, but they require a lot of both my wife and I's time. And so there was just a moment in time where I was just saying, okay, I need something, some different outlet, some sort of purpose that feels like I have some sort of control. And from there I started to get inspired and say, who's out there doing this? Who is controlling their time? Who is doing things that feel inspiring to me that will Also allow me to have that time ownership and give it back to the people that really matter in my life. My wife, my kids, my aging parents, my friends that I had lost touch with myself, my health, my mental health. These are the things that I was saying no to and then saying yes to the corporation that I was working for. And I'm not vilifying the corporation, but there comes a point in time where you say, that's good. What can I do for myself?

[A]

Now when you decided that you were going to make this change, and we are going to get to the listener questions because that's what we promised everybody. But when you decided that you were gonna make this change, what were the most important things that you did in order to make it real?

[B]

Yeah, I think looking deep inside myself and saying, what do you really want? What are the dreams and goals that you actually have for your life? And if that was difficult for me, which it was at certain times, I would give myself almost fear based goals, saying, what keeps you up at night? What bothers you? What is tugging at your mind? And with those goals or fears, and some of them for me were just like, I don't like what I do and most of the time I'm selling something that I don't believe in and that tugs at my brain, my heart, my morals. And so I said, how do I use my skills that I have in a different fashion where I'm able to give back and support causes and things that I care about. So for me, those goals, those fears came up and I said, okay, now that I have these dreams, now that I have this desire to move in this direction, what are the actions that I can take to go towards those? Because without that dream, without those goals, the stuff afterward becomes a lot harder. As you know, Gene, making sure you understand what's coming in, where it's going, and then utilizing that gap that you can create between the income and expenses to be your power to grow your wealth and with that wealth, create the time freedom that you're looking for.

[A]

We're going to take a quick break. You know the question I get asked more than any other question, people say to me, jean, how do I find a financial advisor that I can actually trust? And I am so excited to share that we have finally a great answer. We have partnered with Willow. Willow is an advisor matching platform built specifically to connect women and their families with vetted fiduciary financial advisors. These are pros who understand the financial realities that women face. Longer life expectancies, career pauses, caregiving responsibilities, business ownership, all of it. Through Willow, you can explore advisors who've completed the Advisor for Women certification, and you can get matched with someone who is aligned with your goals, your values, and the way that you like to communicate. So if you're ready to move from learning about money to having some personalized guidance behind you and with you, head to hermoney.com findanadvisor you'll be asked to take a quick quiz, explore your options, and then connect with a vetted fiduciary who fits your life. That's hermoney.com findanadvisor when we launched Hermoney, I remember thinking, what if no one listens? What if this doesn't work? Starting something new, whether it's a podcast, a side hustle, or a product you've been dreaming about, always comes with doubt. But having the right partner makes all the difference. Shopify is the commerce platform behind millions of businesses around the world and 10% of all E commerce in the United States. From brands just getting started to household names names like Thrive Cosmetics and Allbirds, it gives you everything you need in one place. Inventory, payments, analytics. No juggling multiple platforms. You can build a beautiful online store with ready to use templates. It's time to turn those what ifs into with Shopify today. Sign up for your $1 per month trial today at shopify.com hermoney go to shopify.com her hermoney that's shopify.com hermoney let's go on to our listener questions. I'm certain I'm going to have more of my own, but I think we're going to get a little bit more of your secret sauce and the answers to these specific questions. The first one comes from an anonymous listener. She wants to retire in her early 60s and is wondering if she's on the right track. She says, I do have a financial advisor, but I'd love some additional perspective. I'm 41, a high earner, so I don't qualify for a Roth IRA. Between my 401k, which has about $730,000, and my brokerage account with $55,000, I'm approaching $800,000 in retirement savings. And remember, she's 41 years old. I have a fully funded emergency fund, about six $70,000 across 529s for my two kids. I max out my 401 and HSA each year. My question is, what should I be doing with extra money beyond that, some retirement calculators suggest I'm Behind. But as I said, I'm hoping to retire in my early 60s, maybe even sooner. What would you say to her?

[B]

Wow. Well, I guess the first thing that I'm looking at here is what does it take for this listener, this anonymous listener, to live a happy life right now? And that comes through as our expenses, right? What are our comfortable expenses? And if I was listening to you correctly and reading this correctly, I don't see a lot on this question that defines that. I see a lot on the wealth that's been built through assets, through their retirement accounts and such. And kudos. Congratulations. I mean, this is an incredible position to be in at 41 years old, especially as a high earner. So I guess I would say some of the things that I'm looking at are to first dive in, to say, how much do I need to live a comfortable life today? And with that baseline, where would that go as I hit my 60s? Will that go up? Will that go down? Depending on the types of things that I'm interested in doing in the next 20 years? And with that information, then maybe look at some different calculators that say, where will that amount of investments that I currently have take me over the next 20 years if I continue investing as heavily as I am right now? And will that amount of money be an obnoxious amount of money that I probably will never continue to spend or spend down? Or if I take my foot off the gas a bit with these contributions and with the ability to max out accounts and things like that, and will that still take me to a place that is comfortable in my 60s? And with those results, maybe then ask yourself some questions. What if I dialed things back a little bit so that I could enjoy more of my life now in my 40s, as opposed to waiting for that better life when I'm in my 60s?

[A]

Fire math is interesting and it's very different than benchmarking your retirement savings by a certain amount of multiples of your income by age. Fire math, actually, and I didn't define fire at the top of the show, I should have. FIRE stands for financial independence. Retire early. These days when we talk about fire, we're usually much more focused on the financial independence part of it than on the retire early part. But firemath says, yeah, your savings are great, but let's actually focus on your expenses and getting us to a multiple of those expenses that is sustainable by investing and pulling out 4% ish a year. Is that sort of where you're going with this?

[B]

Yeah, a little bit of the fire side of things. But I've adopted almost a subset of the Fire movement called Coast Fire, where it essentially says, yeah, do those important investments like you have. And then maybe instead of saying, hey, what can I do to completely stop working in my 40s at 41? How about what can I do to dial back work as my core identity and maybe make that part time in my 40s or 50s? And then what would I then do with those 20 to 25 hours of my week back? Well, maybe I could invest that more in my health so that I could live a long life in my 60s, 70s and 80s and 90s. Maybe I could invest that in community with my spouse, with my partner, with my kids, with my friends. These are the investments that I think don't make the conversation when we talk about growth charts and things like that. I think investing more of our time into those things that have scientifically been proven to provide a happier, more fulfilling life should be a part of the conversation.

[A]

Next question comes from Sally. She's wondering if she really needs to max out her 401k. I'm 54 and worked part time for many years while raising my kids, so I wasn't able to max out my 401k. Although I did contribute enough to get my employer match, I'm now working full time. I recently started a new job with a significant pay increase. I'd like to max out my 401k to the full $31,000 catch up contribution limit, but my financial advisor showed me a projection and said fully funding it would not make a big difference in the long run. He suggested I contribute less than the max and enjoy the higher cash flow. Now I'm already in good shape for retirement. I'm married and my husband has saved significantly more for retirement than I have. This advice feels like it goes against everything I've ever been told about maximizing tax advantaged savings. Am I stuck in a scarcity mindset or should I listen to my advisor and enjoy life while I'm still healthy and relatively young? I love this question so much because I am that person who says max out your 401k right if you can. Because I know that life is going to be long on the other side or at least has the potential to be a lot longer than we ever thought it was going to be and I don't want people to run short of money. So how do you look at a question like this?

[B]

Well, first, the thing that popped out to me too was two things. The financial advisor providing this type of Advice. I mean, that's cool. I really think that's very cool and maybe countercultural for financial advisors out there or not. I think that's fantastic to hear that. Those are the conversations about quality of life, not how big your wealth pot can be. Secondarily, I was looking at this question and she says, I'm married and my husband has significantly more saved for retirement than I do. I'm not sure if in their situation they're going to be individually living on their own retirement income, but this might be a good conversation to have with your partner, your husband, about is this a joint retirement savings balance or do I really need to have equity or parity with the amount that I need to be saving with regard to my retirement? And if that's an important goal of hers, then fine, yeah, maybe grow that further so that you do have that equity or parity. But if you are in a joint relationship together and your retirement income pot is his retirement income pot and vice versa, then maybe these could be more thought of as joint goals as opposed to individual goals. And that could be a conversation either with their financial advisor in a further manner or even depending on the situation. I know I've had a lot of benefit personally for marriage counseling when it comes to these types of conversations. And sometimes it can be a lot more emotional than just the numbers on the page, 100%.

[A]

I also think one reason that her husband's balance in his retirement accounts might be substantially larger than hers, besides the fact that we still have this very, very frustrating pay gap, he could be older than she is and he could be substantially older. And I think about this, my husband's eight years older than I want to enjoy my retirement when it eventually hits, but I also want to be able to enjoy his before he is not able to do some of the things that we want to do. And so I think you think about those things in terms of your joint finances if you can put the pieces together. We're going to take a quick break. When we come back, one more question about balancing saving for your own future. This one with supporting an aging parent. The year is moving fast and somehow there is still no extra time to cook. These are the weeks when I'm focused on work workouts and trying to eat well. And I just don't want dinner to become another project. That's where factor has been so helpful. I recently tried the ginger teriyaki salmon and the Thai roasted vegetable green curry. And what I love is that they're fully prepared to dietitian designated and genuinely satisfying. There are a hundred rotating meals every week, including high protein, calorie, Smart, Mediterranean, and more. I use this and you should too. Head to factor meals.com hermoney50off and use code hermoney50off to get 50% off and free breakfast for a year. Eat like a pro this month with Factor New subscribers only. Varies by plan. One free breakfast item per box for one year. While subscription is active, tax season is funny. It's one of the only times all year when we actually look at our full picture what we earned, what we spent, what we saved, and sometimes what we wish we'd done differently. But instead of just looking backward, I want to use this moment to move forward. Forward Simplify your finances with Monarch Monarch is the all in one personal finance tool designed to make your life easier. It brings your entire financial life, budgeting, accounts and investments, net worth and future planning all together in one dashboard on your phone or your laptop. Feel aware and in control of your finances this tax season and get 50% off your Monarch subscription with Code Hermoney. Achieve your financial goals for good with Monarch, the all in one tool that makes money management simple. Use code [e-mail] for half off your first year. That's 50% [e-mail] code hermoney I am back with Andy Hill, author of Own youn Time. This question, Andy, comes from Julie, and She writes, I'm 52, married, and earn $120,000 a year in a remote senior administrative role. I have roughly $380,000 saved in my 401k and about 25k in a brokerage account. My husband earns around $95,000 and has about 450 saved for retirement. We have about $85,000 left on our mortgage and no major debt. My challenge is my mom. She's 81, lives alone, and I'm helping her financially and physically. I send her about 1,000amonth to help cover her expenses beyond Social Security, and I spend 10 to 15 hours a week coordinating her care and driving to appointments. I work full time and I feel stretched thin. I don't want to retire early, I just want more time in my day. I've thought about asking to reduce my schedule to four days a week or moving into a less demanding role, which would likely cut my income by about 20 to 30,000 a year. I'm worried that making that change now could seriously hurt my retirement readiness. These are supposed to be my peak earning years. I'd also have to reduce my 401 contributions how about this trade off? Is it financially irresponsible? What do you think?

[B]

I don't think it's financially irresponsible for her to look at different arrangements that could give her more time back in her week and have that trade off. And we're talking 20,000 to $30,000 a year. We're not talking about quitting. We're not talking about stopping her career and that trajectory. But I think if she were to take some time to talk to some other people at her workplace that have probably done this, that have found that, oh, when I approached my employer, I had the opportunity to go to three or four days a week as opposed to full time. And here's how those changes happened. Sometimes conversations with people who've actually done it can make you feel a little bit better about a big decision like this. But I'm hopeful that, you know, hearing from two folks that talk about finances all the time, that her current situation with regard to her investments is very positive, where they are right now, and slightly taking their foot off the gas a bit in order to be there for her mom during a really important portion of her life will be something that she'll never regret. And maybe putting her foot on the gas and working six days a week and then not being there for her mom might be something that she does regret. So it's a big decision, of course. And when you have parents involved, there's even more emotional charge. So adding that additional time with your meet your parents, that's only something that you can answer if that's something that you want to do.

[A]

Yeah. And I'm having trouble parsing the question in figuring out if this is actually something that she wants to do. There's a choice. And if this is not something that you want to do, Julie, especially the coordinating the care part, the driving to appointment part, I don't know if this feels to you as quality time, if it feels like this is something that, that you actually want to be the one to do. If it does, fine. And I agree with Andy. It's a temporary fix. You're not stepping out of the workforce. You're just stepping back a little bit. But if you don't want to do it, I'd look into hiring somebody to do this for you. And even if you think of the money as a bit of a wash, you're still making those additional 401k contributions, grabbing those additional matching dollars. And at that point, you are not spending your time doing something that you don't want to do, which could in the end, make you feel resentful about some of this caregiving that you've taken on. I mean, look, God bless the caregivers, right? I don't know what we would do without them. The financial sacrifice that they make is just unbelievably incredible. But I also think we have to look at each of the items on our plate and think about, is this one that I'm best suited to do, or is this one where the calculation of actually paying somebody to do it for me makes more sense, both for me and for the person I'm caring for? So it's okay to think about it in both ways and I hope that this advice is helpful. Andy, thanks so much. One of the ideas that jumps out in your new book is finding your version of a three day work weekend, a four day weekend. I'm sure there are a lot of listeners out there who think, well, that sounds nice for him, but how did you get there and what's the first move that you made and you would suggest others make if they want to get closer to this reality?

[B]

Yeah, I would say in the beginning we spent some time thinking about what that dream week would look like. And that's something that my wife and I did together. And it was a lot of fun. And with that motivation, we started to deepen, dive into the numbers to say what's coming in and what's going out. And by looking at that budget, we were able to see some areas for improvement, of course, on the expenses. But you can only count the expenses so much, really. So for a period of time, we worked on increasing our income, both through our careers, through side hustles that I was interested in at the time. And then with that gap, we started to create some savings opportunities. So we grew our saving rate, and with that saving rate, we were able to invest in the stock market through a lot of these means that we Talked about today. 401ks, Roth IRAs, HSAs, things like that, in order to grow a portfolio that would start to grow on its own and by itself eventually. So we got to a point with our investments and it was around, around $500,000, $550,000 by the time we were 40. Where we said, what if we just stopped or slowed down our contributions here? And with that near $20,000 or $30,000, what could we do with that money? Well, we could increase our lifestyle, of course, and have a lot more fun, or could we work less? And so those are some of the decisions we made. After hitting that Coast Fire number and then paying off our mortgage early. So we decided to do a combination of both. And now my wife and I both work 20 to 25 hours a week. She works as an esthetician after going back to trade school to try something different outside of digital marketing because that was a little overwhelming for her. And so she does that Tuesday, Thursday, Friday. And I've developed a financial coaching business that allows me to work Tuesday through Thursday. And that opens up our week to do things that we really care about. That's taking care of our health, that's leaning into being present parents as our kids are now in their preteen and teen years, and then really investing in the things that will help our marriage feel strong and like we're there for each other and we're opening more time for communication and being there for the important moments that matter and being there for our aging parents as well, which is very important. So that's what our four days are open for. And I'm newer to it over the past few years and it's exciting to look forward to Monday and say I don't dread Monday. I'm excited about Monday coming up, not only for the work that I get to do, but also for the things that I do outside of my worker identity.

[A]

Amazing. Andy Hill, thank you so much for doing this. Thanks for answering the questions from our listeners.

[B]

Absolutely. Thank you, Jean.

[A]

And before we go, if you love today's episode, please take a moment to leave us a five star review on Apple Podcast. Your feedback means the world to me, but it also helps other women find the show. And if you're ready to grow your investing skills and make smarter decisions with your money, come join Investing Fix, our twice monthly women only investing club. Expert stock pickers bring ideas to the table and together we help build a portfolio. Since launching four years ago, we've built a strong track record and more importantly, a community of women who are learning and winning together. Tap the link in the show notes to check out Investing Fix today. Your first two classes are always free. Hermoney is produced by Hayley Pascalides and our music is provided by Video Helper. Thanks for listening and we'll talk soon.

[C]

Hey, I'm Seth Schachner. Check out my new show, Breaking down the Biz. Every week I sit down with people who actually make movies, music and media happen. Executives from Sony, Universal, Apple, NBC. Together we cut through industry jargon and hype to show you how the business is built, what's key to making everything come together, and why it matters to you. From iTunes impact on the music industry to the advent of AI. From the Taylor Swift ticket sales fiasco to Bad Bunny's meteoric rock, we break down the stories, the numbers, and the negotiations that shape the industry. I've been in the trenches of the entertainment industry for several decades, with leadership roles at companies like Sony, Paramount and Jive Records. My guests and I are going to provide the same thoughtful, concise insights that I'm trusted to bring on TV networks like CNN and NBC surrounding the industry and its culture. Defining Moments we'll touch on the business of music, filmmaking and streaming and the emerging technology of our time. If you've ever wondered what really happens behind the scenes of the entertainment business, this is a bite sized insider guide. Subscribe now on your favorite podcast platform or watch us on YouTube so you never miss a beat. Let's make sense of this industry together.