Balancing Retirement With Tuition

Summary

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Podcast Summary: "Balancing Retirement With Tuition"

Podcast: Jill on Money with Jill Schlesinger
Episode Date: March 23, 2026
Main Theme:
Navigating the tricky intersection of late-in-life parenting, college and high school tuition planning, and making strategic choices for retirement—especially when supporting both children and a spouse, all on a single primary income.

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Episode Overview

Jill Schlesinger advises a listener, Mark from Washington D.C., who finds himself at the "sandwich" point in life: approaching retirement age while still supporting two teenage children through private high school and preparing for college expenses. The core dilemma centers around how to prioritize and allocate funds among 529 college savings accounts, immediate tuition needs, and long-term retirement security.

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Key Discussion Points & Insights

1. Mark’s Situation: Juggling Retirement and Education Costs

• Family Profile
  • Mark (58) and husband (64), adopted two children currently aged 14 and 17.
  • One working salary: $170,000/year; spouse recently started taking Social Security ($1,300/month) after being a stay-at-home parent.
• Educational Expenses
  • Both children in Catholic high school ($20,000 per child per year, paid out of current cash flow).
  • 529 Plan Savings: $84,000 in one child’s account, $91,000 in the other—originally meant for college.
• Retirement Picture
  • Mark has $875,000 in his Federal TSP (Thrift Savings Plan), with $100K in Roth and the rest traditional.
  • Entitled to a FERS (Federal Employee Retirement System) pension: $3,700/month at age 62.
  • House valued at $900,000, mortgage outstanding: $160,000 at a 2.1% rate (low, manageable mortgage).

Quote [04:13]

Jill: “Are you thinking that these kids are college bound to public or private universities?”
Mark: “...It turned out to be a great community for the kids. They really are academically doing great, socially doing great. So I'm really confident and comfortable putting money towards this high school, even though it wasn't part of our initial plan.”

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2. The Dilemma: Should 529s Fund High School or Be Preserved for College?

• 529s can be used for K–12 tuition, but Mark wonders whether to start tapping them for current high school costs or reserve them strictly for college.
• Weighs college planning against needing to bulk up retirement contributions, since only 5% of salary is currently going to retirement (could go up to 15%).

Quote [13:47]

Jill: “I’m more inclined to keep paying for school out of pocket and not even contributing a dime anymore to the 529 accounts.”

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3. Jill’s & Co-Host’s Analysis: Preserve 529s for College, Boost Retirement Savings

• Don’t draw down the 529s for high school tuition; keep cash flowing those costs from income, as Mark is currently doing.
• Stop making new contributions to the 529 at this stage—redirect that $400/month into a retirement plan.
• Given Mark’s income, expected pension, and willingness to work, prioritizing retirement savings is now more urgent, especially as college expenses draw near.

Quote [16:09]

Jill: “If you had an extra $400 a month, I would prefer that you put it into a retirement account rather than into retirement 529 accounts... I would let that roll and I would start beefing up retirement a little bit more.”

Co-Host at [15:44]:

“I wouldn’t [use 529s for high school]. I would love to preserve the 529s for college... He's already used to paying this out of pocket 20 grand a year. So he'll be able to absorb that going forward for the college years.”

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4. Financial Aid Implications

• With household income at $170K and significant 529 savings, unlikely to qualify for need-based financial aid (except possibly merit aid or policies at elite institutions).
• If college costs outpace 529 balances, Mark should be open to loans for the kids and not feel compelled to cover all costs with his own cash flow.

Quote [13:48]

Jill: “I don't think that you're going to get a lot of financial aid. Certainly not for our 17 year old. Yeah, you make too much money.”

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5. Retirement Timeline and Budgeting

• Plans to work until at least age 67, possibly shifting to private sector after 62.
• Maintains $8,000/month in non-tuition expenses (excluding school and college savings).
• Mortgage scheduled to be paid off around retirement.
• Health insurance coverage continues as a federal retiree.

Quote [11:32]

Mark: “I’m the type of person that tends to like working in a structured environment. I’m not interested in being a independent consultant...”

Quote [12:14]

Jill: “You’ll be able to cover your expenses no sweat. Get these kids through school. We're done. OK, great. And you'll keep putting money into some sort of retirement account.”

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6. Estate Planning Oversight

• Mark (like many) has not yet completed essential estate documents.
• Jill urges this as an even greater priority than further 529 funding, especially with minor children and a spouse.

Quote [18:57]

Jill: “Do you have your estate documents done?”
Mark: “No.”
Jill (groaning): “Oh, brother... Believe me, this is far more important than your 529 plan funding. It really is.”

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7. Emotional and Psychological Context

• Mark reflects on being the first in his family to attend college and wanting to provide options for his own children.
• Satisfaction with the current 529 balances as a “good starting point”—not expecting them to cover the full college ride, but wanting them as a launching pad for the kids.

Quote [18:07]

Mark: “Both me and my spouse are first in our families to go to college. So, you know, we wanted that for our kids, but we were like, you know, we’re probably only gonna be able to save enough for maybe one year of school. ...I feel good about the amounts that are there.”

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Notable Quotes & Memorable Moments

• On the cash flow squeeze:
  Jill [10:29]: “You will be entitled to health insurance through the federal government. Is that correct?”
  Mark: “That's correct.”

• On Mark’s priorities:
  Jill [17:09]: “What will your Social Security benefit be if I hang out till age 67?”
  Mark: “It's about right now. It's projected at 3,900 a month.”

• On planning ahead:
  Jill [20:07]: “If I, you know, get hit by a bus and I'm incapacitated, here's what I want to happen. ...You guys are talking about it and you make your wishes clear. I mean, you do have a minor child. If something happened to the two of you together, what happens?”

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Key Timestamps

• [03:11] Mark introduces high school/college/retirement planning dilemma
• [04:44] Private high school rationale and cost discussion
• [05:53] Family income and Social Security details
• [06:48] Breakdown of retirement savings and pension
• [08:00] Cash flowing high school tuition and liquidity management
• [12:14] Crunching future retirement/working numbers
• [13:47] Jill’s advice on halting new 529 contributions, redirecting to retirement
• [15:44] Co-host supports preserving 529s for college only
• [18:07] Mark reflects on family background and his 529 funding philosophy
• [18:57] Jill’s strong push for Mark to complete estate documents
• [20:07] Discussion on contingencies for children in case of emergency

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Actionable Takeaways

• Preserve existing 529 balances strictly for college; do not tap for high school tuition.
• Don’t add more to the 529s: Redirect any ongoing 529 contributions into retirement accounts to maximize tax-advantaged saving for a retirement that is fast approaching.
• Continue to cash flow high school tuition as Mark is already managing.
• Prioritize up-to-date estate planning, especially with minor children.
• Be realistic about college financial aid prospects, and consider that loans may be necessary.
• Monitor and periodically reassess retirement, college, and cash flow plans as circumstances and expenses evolve.

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Jill wraps up with her signature blend of practical wisdom and gentle urgency, reminding Mark—and listeners—that sometimes it’s less about maximizing every account and more about protecting your family’s long-term security and peace of mind.

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Transcript

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[Jill Schlesinger]

You know subscriptions are one of those things that feels small in the moment and then suddenly you're wondering why you are paying for all these things that you barely use. That's where Experian subscription cancellation comes in. Experian can take the pain out of canceling subscriptions by handling it for you. Just keep the ones you want, cancel the ones you don't, and put the money back in your pocket instead of spending your time trying to cancel subscriptions. If you even do that. And you know there are over 200 subscriptions that are cancelable, which means that there are lots of opportunities to clean things up. And it doesn't stop there. You can also save money by letting Experian negotiate the rates on bills you're already paying. They'll keep an eye out for new deals and savings opportunities, and negotiate directly with your provider on your behalf. Get started with the Experian app now. Results will vary. Not all bills or subscriptions eligible Savings not guaranteed paid membership with connected payment account required. See experian.com for details. Welcome to the Jill on Money show. It's Monday, March 23rd and we are here talking to you about whatever is on your mind financially. If you've got a question if you're trying to weigh a decision, if you want to know whether you're on track to pay for college, if you're considering a new job, get in touch with us. Go to jillonmoney.com click the contact us button. It's in the upper right hand corner of our website. Write us a note if you'd like to join us live. All you need to do is check the box. Mark will do everything else. He'll track you down, he'll get you a range. It's all, all so easy. So just, just, I don't know. Bookmark Jill on money. You never know when you might have a financial question. Don't forget while you're on the website to sign up for the free weekly newsletter which comes out every Friday. And that will also entitle you to our blog. Okay. Today we are talking to Mark who joins us from the Nation's capital, Washington, D.C. hello, Mark. How are you?

[Mark (Caller)]

I'm doing great, thank you.

[Jill Schlesinger]

Fantastic. What can we do for you today?

[Mark (Caller)]

I'm facing a couple of choices and I'm trying to figure out what the best path forward is. One of it is related to 529 accounts. And my kids are both teenagers and they're now in Catholic high school. I'm trying to wonder if I should tap the 529s to help pay for their tuition for high school, if that makes sense tax wise. As well as also trying to balance how much money I put in 529 accounts for college as well as balance my priorities for retirement. Because my spouse and I are, you know, later in life we, we decided to adopt kids. And so we're, we're hitting that, that junction point of being close to retirement as well as having kids heading to college.

[Jill Schlesinger]

Sandwiched in Mark, how. Well, how old are you?

[Mark (Caller)]

I'm 58.

[Jill Schlesinger]

And your spouse?

[Mark (Caller)]

He's 64.

[Jill Schlesinger]

How old are the kids?

[Mark (Caller)]

14 and 17.

[Jill Schlesinger]

How much money is in the 529 accounts for each of these kids?

[Mark (Caller)]

Yeah, we started them when they were both young and we lived in a different state. So they're not DC529s, which is where now, but they're in another state. But we have 84,100 account and 91,000 in the other account.

[Jill Schlesinger]

Are you thinking that these kids are college bound to public or private universities?

[Mark (Caller)]

That's a good question. I mean honestly our, my financial plan when we moved here was that the kids would be in public school through high school.

[Jill Schlesinger]

Whoops.

[Mark (Caller)]

Yep, exactly. So it wasn't exactly in our plan for, for private school, but it turned out to be a great community for the kids. They really are academically doing great, socially doing great. So I'm really confident and comfortable putting money towards this high school, even though it wasn't part of our initial plan. Public schools, sure. But again, probably in Another state where we'd be paying out of state tuition.

[Jill Schlesinger]

So I just looked this up because I'm doing a segment for TV about this. Mark, check this out. Average public, out of state, all in college costs is basically 45 grand. Not every single one, but I mean that's real money. Okay.

[Mark (Caller)]

Yeah.

[Jill Schlesinger]

So how much is Catholic high school tuition for your kids roughly?

[Mark (Caller)]

It's about $20,000 a year for each kid.

[Jill Schlesinger]

And you're cash flowing that now you're just paying it out of your income, correct?

[Mark (Caller)]

Correct.

[Jill Schlesinger]

Okay. Are you guys both working?

[Mark (Caller)]

When we started a family, we decided one person should be a stay at home parent. We wanted to make that work. And so for most of that time my spouse was at home, had some part time work and now is just started taking Social Security this year.

[Jill Schlesinger]

Oh, so took Social Security early. Are you guys actually married under the

[Mark (Caller)]

law when it became legal? Yes, we were married.

[Jill Schlesinger]

Okay, got it. So he's claiming on his own Social Security record. Right.

[Mark (Caller)]

And he's doing the spouse.

[Jill Schlesinger]

He is. And how much is that?

[Mark (Caller)]

$1,300 a month.

[Jill Schlesinger]

How much are you earning right now?

[Mark (Caller)]

About $170,000.

[Jill Schlesinger]

Are you contributing to a retirement plan right now?

[Mark (Caller)]

Yeah, I'm been a federal private sector and federal employee and I converted all my private sector retirement accounts into the federal TSP plan.

[Jill Schlesinger]

Oh, how much is in there?

[Mark (Caller)]

And so now I have about $875,000 in the TSP, about 100 of that is in Roth and the rest is regular.

[Jill Schlesinger]

So you're a federal employee. Do you have a pension benefit that you will be entitled to?

[Mark (Caller)]

Yeah, there is a fers that would if When I hit 62 years old, it would be about $3,700 a month.

[Jill Schlesinger]

Does it accrue the longer or does it max out at 62?

[Mark (Caller)]

That maxes out at 62. That's sort of always been in my, my mind is sort of around 62 to maybe move back to the private sector and start taking federal retirement.

[Jill Schlesinger]

But you would keep working because you got these damn kids and you have to feed them and get them through school. Okay, exactly how is your cash flow right now in that? You know, 40 grand a year after tax for school is a lot based on your salary and or your comp and his Social Security. So this is not an insignificant amount of money. So how has it felt for you guys?

[Mark (Caller)]

You know, it's manageable so far. You know, we've been able to sort of basically I been sort of keeping a running sort of about $30,000 a year in sort of a checking savings emergency fund. And I just flow in and out of that. I was thinking, well, does it make sense to drop it into a 529 account and then draw it out for high school?

[Jill Schlesinger]

So in addition to your thrift savings plan, do you have other assets invested?

[Mark (Caller)]

No.

[Jill Schlesinger]

And does he, your husband, have a retirement plan in his name that is out there in the universe?

[Mark (Caller)]

No.

[Jill Schlesinger]

So this is it. I got 875. And I got my 30 grand that is in your savings account and your cash flowing high school right now. And we've got 84 and $91,000 for your kids. And we're going to do the best we can for college. That's where I am. Right?

[Mark (Caller)]

You got it.

[Jill Schlesinger]

Okay. Now, outside of the money you're spending for college, do you guys track how much money you spend just in your real life?

[Mark (Caller)]

Yeah, I would say probably about 8,000amonth maybe.

[Jill Schlesinger]

Okay, so you will have. Okay, just so I'm clear, so you have $8,000 a month and that excludes Catholic high school and saving for college.

[Mark (Caller)]

Yeah.

[Jill Schlesinger]

Okay, so 8,000amonth from your age. 62. Okay, to what age do you think you would go back into the private sector? 62 to 67. 62 to 70. What do you think?

[Mark (Caller)]

Probably to 67. That's. That's sort of my target. And that's about, about the time when our mortgage will, Will, will finish up.

[Jill Schlesinger]

So the house is worth how much?

[Mark (Caller)]

Maybe about 900,000.

[Jill Schlesinger]

And how much remains on the mortgage?

[Mark (Caller)]

160.

[Jill Schlesinger]

What's the interest rate?

[Mark (Caller)]

2.1%.

[Jill Schlesinger]

Oh, stop. Okay. And. All right, and you're going to stay there? Theoretically, yeah. Okay, so when your expenses at 67 are $8,000 a month, that is inclusive right now of the mortgage, the principal and interest for your mortgage, right?

[Mark (Caller)]

That's correct.

[Jill Schlesinger]

Okay, fine. Let's just keep it that way. You will be entitled to health insurance through the federal government. Is that correct?

[Mark (Caller)]

That's correct.

[Jill Schlesinger]

Okay, got it. So when we look ahead and you look at the private sector, you've sort of been in and out of both. Do you feel confident that from 62 to 67 you can earn how much about. And be conservative because, I don't know, it's hard to get a job in your 60s.

[Mark (Caller)]

No, I realized that. And last year, during all the disruptions that happened, I was, I was actually fired for a brief few months.

[Jill Schlesinger]

I'm exhausted when that happens and started

[Mark (Caller)]

looking and actively searching. And so I have a sense of what's out there. I'm the type of person that tends to like working in a structured environment. I'm not interested in being a independent consultant or something like that. So I recognize that I'll probably take a little bit of a pay cut, but I'll have the additional benefit of my basic pension to start with.

[Jill Schlesinger]

Like, would it be less than 120?

[Mark (Caller)]

No, exactly. That's sort of my target.

[Jill Schlesinger]

120 to 140, let's say 120. Okay, so here's what we got. Mark's 58. Everyone following along because I write, take copious notes. Mark's 58. His husband's 64. Husband's already claimed Social Security, $1,300 a month. We'll get to the kids in a second. Mark will receive a pension at age 62 of $3,700 a month. So essentially, from Mark's age 62 to 67, you have the pension, you have the Social Security payment for five grand a month. And you will be working, hopefully making 120 grand a year. So 10 grand a month?

[Mark (Caller)]

Ish.

[Jill Schlesinger]

You'll be able to cover your expenses no sweat. Get these kids through school. We're done. Okay, great. And you'll keep putting money into some sort of retirement account. It will not be a thrift savings plan. It'll be something else. So the question of how much and whether to tap the 529 accounts, is that because right now you're putting money into these accounts right this minute, or is it just you're feeling cash flow like you'd rather say, oh, let me. Instead of paying 20 grand a year each for these kids in high school, let me deplete their 529 accounts. Let's use that up. They go to college, they'll apply for financial aid, and I will just sock that money away into my retirement account or in some account? Is that kind of the question?

[Mark (Caller)]

Yeah, no, there's definitely that. That's one of the elements. Is sort of, you know, thinking ahead, too, for financial aid. Like, does it make sense to. To tap the. Those 529 accounts? And also for my own retirement, I'm basically just putting in 5% of my salary, where I know I could go up to probably 15% of my salary to achieve the maximum contributions. So I'm like, should I put more there or not?

[Jill Schlesinger]

I mean, if you said to me, like, you're so sure that your kids are not going to college or only one would go to college, I might feel differently. I think just because of I don't think that you're going to get a lot of financial aid. Certainly not for our 17 year old. Yeah, you make too much money.

[Mark (Caller)]

Yeah, I know.

[Jill Schlesinger]

You know, so I don't think you're gonna get it there. I mean, listen, if the kid gets into. Let me just make sure I get a D.C. centric school or something like if your K gets into some Ivy League school or one of these rich universities that says anyone who makes less than 250 grand a year, we're going to give you some sort of financial aid. Great. Then you'll have all the money you need. But I don't know if you can count on that. So I'm more inclined to keep paying for school out of pocket and not even contributing a dime anymore to the 529 accounts. Are you putting money in an ongoing basis into the 529 accounts?

[Mark (Caller)]

Yes.

[Jill Schlesinger]

How much?

[Mark (Caller)]

Usually about $400 a month.

[Jill Schlesinger]

I would take that $400 a month and I would put that into my retirement. The money you're putting, I think you've done about as much as you can do right now for college. I do think you need to be saving more for retirement. So I think I would divert the money that was going into the 529. I'd put it into retirement. Is your 17 year old a junior or a senior?

[Mark (Caller)]

Right now he's a junior.

[Jill Schlesinger]

Darn it. Okay. I wanted it to be senior. No, but it's fine. So just let that money roll. You'll use his account up in two seconds and you're. And he's probably going to have to apply for financial aid. You're got, there's going to be loans. This is all going to happen if he goes to a private university. Okay. By the way, you've already paid 20 grand a year. You know, at least for the couple of years where college starts. I wouldn't necessarily pay that out of cash flow. I would like to get some loans. You know, let's see how you do. But because you're willing to work and you have this pension, it's kind of nice. Yeah, it's just I think that this is a cash flow crunch. Mark Telassio, you're listening to this story. How do you think my approach is with the 529 plan? Do you think that Mark in D.C. should use his money for Catholic high school?

[Financial Advisor/Co-host]

I wouldn't. I would love to preserve the 529s for college. You know, the one kid is 17 already, so the end of high school is on the horizon. He's already used to paying this out of pocket 20 grand a year. So he'll be able to absorb that going forward for the college years. I know he said he would be able to put more into his retirement plan if he uses the 529s. I'm not too concerned about that just because you do have a nice pension. That helps.

[Jill Schlesinger]

Yeah. And he's willing to work.

[Financial Advisor/Co-host]

Right.

[Jill Schlesinger]

But I still would rather if you had an extra $400 a month, I would prefer that you put it into retirement account rather than into retirement 529 accounts. I just would. And like Mark said, I mean, you know, when you're 17 year old. So in a year and a half, your 17 year old's going to college, you're already putting 20 grand a year into the high school. You can just shift that towards college and then we'll try to dribble out the 529 to last through college. But I'm not sure I would add much more to 529s right now. I would let that roll and I would start beefing up retirement a little bit more. Only because I know that you think we can, you can earn 100. I say we that you can earn. But in the back of my head I'm also thinking 60 somethings are hard to, you know, it's hard to predict. We don't know what the market's going to be. Hey, maybe you'll make 150 grand a year. And I'll be wrong, but I'd rather have the money in retirement than in a 529. Just me, just in case. Just got to see what will your Social Security benefit be if I hang

[Mark (Caller)]

out till age 67? It's about right now. It's projected at 3, 900amonth.

[Financial Advisor/Co-host]

Once you get to 67, I mean you guys are golden.

[Jill Schlesinger]

You have, you got to get there.

[Financial Advisor/Co-host]

Your husband's Social Security, your pension, that's five grand right there. Now you're telling us 3, 900amonth, that covers your $8,000.

[Jill Schlesinger]

Yeah, but it won't be eight. It's going to be more. Trust me, Mark.

[Financial Advisor/Co-host]

Plus what he's already saved, what he's going to continue to save. They'll be good.

[Jill Schlesinger]

Yeah, I think you'll be good. But I think it's going to be the cash flow issue is real. And I would like you to kind of give yourself a break. If you're feeling like you want to use the $400 a month in your 529 plans. You'd rather just beef up your emergency reserve? That's fine with me, too. I just not. I wouldn't necessarily go nuts on the 529 funding at this point. You guys did a great job. You really have. And considering that you're really. You're on one salary. Yeah, this is very good. You're in good shape, but it's just going to be a rough few years.

[Mark (Caller)]

Well, this is good, good advice. And, you know, when we started the 529s my goal and, you know, both me and my spouse are first in our families to go to college. So, you know, we wanted that for our kids, but we were like, you know, we're probably only gonna be able to save enough for maybe one year of school. That was sort of like my target. If I could have give something in those to also give them an incentive to know, like, hey, you know, college is an option and there's some money you can tap. So I feel good about the amounts that are there. I know it won't fully cover, you know, all the different potential variables for college, but it's a good starting point.

[Jill Schlesinger]

Absolutely. And because you are willing to work, because you guys are like, put yourselves first in terms of the retirement stuff, I think that that's very helpful. Do you have your estate documents done?

[Mark (Caller)]

No.

[Jill Schlesinger]

Oh, brother. Did you hear the groan, Mark? We should have some sort of sound effect that's like. I mean, I know that you think you're 28 and you will definitely not die, so good on you. Can you please just put this on your list? Do your taxes, get your estate planning done? I mean, and do you. You know, a lot of times I don't know if the government does this, but there are sometimes benefits that will cover you for legal benefits, so check and see if you have that. But you have someone who's a friend, who's a lawyer who can just help you out. I just. I just want people to make sure that, like, believe me, this is far more important than your 529 plan funding. It really is.

[Mark (Caller)]

I know. It is definitely on my mind. And I think once we could legally get married, that was sort of like, okay. Took care of a lot of the wild card stuff.

[Jill Schlesinger]

Absolutely.

[Mark (Caller)]

Resolved once we were legally married. That adds so many more basic elements. But also in a state, I've had to deal with elderly parents and passing and managing estates. And I get that that is challenging if it's not written out.

[Jill Schlesinger]

And also just like the other part of it, which is just like If I, you know, get hit by a bus and I'm incapacitated, here's what I want to happen. I'm very. I'm sorry, I'm very into the pit. So I've been watching too much medical drama. So. So let's get that done and make sure that, you know, you. You guys are talking about it and you make your wishes clear. I mean, you do have a minor child. If something happened to the two of you together, what happens? What happens to that 14 and 17 year old? I mean, the 17 year old, be it like 18 and 2 seconds, but truly, that's something to consider. Okay, so this is your official Auntie Jill. It's like I'm your sister, really. Your older sister Jill's nudge. Okay, got it. Gentle, right? Okay, very good.

[Mark (Caller)]

I need that. That's all right.

[Jill Schlesinger]

All right. Good. All right. If you have any further questions, get back in touch with us. If you are like Mark and his husband and you're kind of sandwiched between having kids a little bit later in life or you're worrying about your adult parents and you've got choices to make, get in touch with us. Go to Jill on money dot com, click the contact us button, write us a note. If you'd like to come on the air live with us, check the box. Mark will do everything else. And while you're on the website, don't forget to check out our subscription service called Jill on Money Live, where you have access to quarterly live webinars and the back catalog of those webinars, bonus audio and video content, all for 45 bucks for the next 12 months. Hey, hey, hey. Our next webinar is on Wednesday, June 17th with Social Security expert Heather Schreiber. I'll tell you what. I know. Heather Schreiber would have told Mark's husband not to file early, but that's just my guess. Okay, gang, again, please subscribe to us on the Odyssey app or wherever you find your favorite podcast. Do something nice for someone else today. Change your work, change your wealth, change your life. Thank you for listening and we'll talk to you tomorrow. Hey, gang. I just made a first time ever purchase on behalf of the pod. I was so psyched because Mark and I don't do a lot of promotional materials, but I was able to create a branded sweatshirt. Yep, a Jill on Money branded sweatshirt with Vistaprint. Now, I'm not usually good at these things, but Vistaprint made it simple to bring this idea like, oh, wouldn't it be cool if Mark and I could create some sweatshirts that we'll try out and maybe the listeners would want to get them as well. They've got these great design tools. They have fast shipping human support if you need a little guidance along the way. Because the sweatshirts were so easy to execute. Now I'm thinking about doing some other stuff. Maybe there's some baseball caps or, I don't know, other fun stuff that you guys would want. You'll let us know. There's a reason that over a million people trust Vistaprint for their small business print needs Vistaprint print your possible right now. New customers get 20% off with code new20vistaprint.com have you ever felt like you

[Susie Welch]

were living just a B or B life? It's so dangerous to live that. More dangerous than a B or a C plus life? Because when you're living a B or B plus life, you don't change it. You think it's good enough? Is it? I'm Susie Welch. I host a podcast called Becoming you. People think okay, an A plus life is not available to me. But there is a way. We are all in the process of becoming ourselves. Listen to Becoming youg wherever you get your podcasts.