Can We Splurge a Little Bit?

Summary

Jill on Money with Jill Schlesinger

Episode: Can We Splurge a Little Bit?
Date: August 27, 2025
Host: Jill Schlesinger, CFP®
Caller: Julie from California

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Episode Overview

In this episode, Jill Schlesinger answers a listener’s question about how much she and her husband can safely spend on travel, hobbies, and “play things” during their active years of early retirement. Julie’s detailed financial situation—including significant assets and a $4.5 million rental property—sparks an in-depth conversation about prudent spending, investment strategy, and the value (or lack thereof) in holding underperforming real estate. The episode blends practical advice with friendly, lighthearted banter, resulting in what Jill describes as “as much a therapy session as a finance session” (19:33).

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Key Discussion Points & Insights

1. Julie’s Situation and Big Question

Julie, age 63, is retired; her 65-year-old husband still works but may retire in two years. She wonders:

• How much can they “splurge” for travel and hobbies over the next 5–7 years while still being financially responsible?
• She wants a straightforward, jargon-free evaluation: “How much extra money can I spend on play things?” (02:20)

2. Income & Retirement Outlook (03:30–04:47)

• Julie’s husband earns ~$200k/year (salary + consulting), planning to keep consulting for five years post-retirement ($30–50k/year).
• Husband will receive a $70k/year pension (with a survivor benefit, at Jill’s recommendation).
• No pension for Julie.
• Consulting income expected to continue, supplementing the pension.

3. Wealth Snapshot & Asset Breakdown (04:47–07:14)

• Total assets: Approximately $3.4M–$3.5M
  • IRAs (SEP and traditional): ~$1.65M (pre-tax)
  • Taxable brokerage: Above $300K
  • Roth IRA: ~$33K (recently started)
  • Inherited IRA from her mother: ~$867K (Julie takes required minimum distributions)
  • Additional “household” and “charitable” funds among brokerage accounts
• Spending: ~$10,000/month baseline; some years, they spend >$220,000 total (including large travel/hobby years). “But that’s not every year...” (08:03)
• Rental property: Owns half of a residential Silicon Valley asset valued at $4.5M; generates only ~$6,700/month gross rent—split between Julie and her brother (09:33–09:45).

4. Rental Property Dilemma (09:14–18:30)

• Jill is shocked at the low yield: “It should be generating like $20,000 a month at least on that kind of...I mean, it's a $4.5 million asset” (11:02).
• Julie inherited the property via trust; she and her brother are now tenants in common.
• Both siblings are open to selling; even their shared advisor recommends it, but hasn’t pressed the issue (“she...she would love for us to sell the property, but she also likes that we’re diversified,” 10:42).
• Jill pushes hard to sell ASAP, voicing skepticism at holding such an illiquid, poorly performing asset:
  • “Sell it, Sell it.” (09:57)
  • “The only way to use [a ‘real’ asset] is to get it liquid. So why am I waiting to get liquid when I know you’re going to want to spend more money in the next five to seven years?” (17:31–17:44)
  • On timing the market: “Julie’s like timing the market for sure.” (13:42)
  • “Why are we waiting? When you have all this money...it defies any sort of logic to wait five years.” (17:54)

5. Investment Philosophy & Spending Recommendations (13:19–18:37)

• Can they safely spend $220k–$250k/year for the next five to seven years?
  • Jill: “Like there’s no way you’re spending through all this money.” (13:19)
  • Julie’s planner models higher spending every other year with no concerns.
  • Jill (and Mark): There’s plenty of margin even if they “splurge” on travel and hobbies.
• Jill’s suggestion: Sell the rental, invest the proceeds in a balanced, low-fee portfolio aligned to their risk profile and spending needs.
  • “I would take your $2 million and invest it. In a safe way.” (17:52–17:53)
  • “A nice balanced portfolio to suit your, you know, your ages and your lifestyle. You’ll be set. So set. This is such good news. Why are you asking for a problem?” (17:54–18:09)
• Jill’s final advice: Enjoy what they’ve built and don’t be afraid to spend within means—“Otherwise, what are we doing this for? Come on now.” (19:29)

6. Advisor Relationship & Fees (18:37–19:20)

• Jill questions the fee structure as the advisor would get more to manage if they sell the property.
  • “Don’t forget to tell your advisor you want a cheaper fee when you give her the extra 2 million bucks.” (18:35)
  • Julie admits she doesn’t know the fee—Jill encourages clarity: “Come on. ...Let us know what you’re paying.” (18:43–18:50)
  • Advisor is “inherited,” having previously worked with Julie’s father.

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Notable Quotes & Memorable Moments

• On rental property performance:

  “It should be generating like $20,000 a month at least on that kind of...I mean, it’s a $4.5 million asset.”
  — Jill, (11:02)

• On market timing and real estate:

  “Julie’s like timing the market for sure. ...If you really believe, like, the economy’s going into the tank, why would real estate do better then?”
  — Jill, (13:42–15:13)

• On selling and investing proceeds:

  “I would take your $2 million and invest it. In a safe way.”
  — Jill, (17:52)

  “A nice balanced portfolio to suit your, you know, your ages and your lifestyle. You’ll be set. So set.”
  — Jill, (17:53–18:09)

• On enjoying wealth:

  “We absolutely encourage you to get your money and spend your money.”
  — Jill, (19:21)

  “Otherwise, what are we doing this for? Come on now.”
  — Jill, (19:29)

• On the therapeutic value of good financial advice:

  “I feel this was as much a therapy session as a finance [session].”
  — Julie, (19:33)
  “That is what we do. Dr. Mark and Dr. Jill are in practice.”
  — Jill, (19:37)

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Important Timestamps

• 02:20: Julie introduces her central question about discretionary spending.
• 03:00–04:47: Breakdown of retirement status, income, and pension.
• 04:47–07:14: Detailed asset/investment review.
• 08:00–08:23: Discussion of actual and aspirational annual spending.
• 09:14–13:31: The $4.5M rental property—questions, income, and selling debate.
• 13:19–18:37: Discussion of spending safety, motivations for asset liquidation, investment planning, and risk.
• 18:37–19:20: Advisor management and fee awareness.
• 19:33–19:39: “Therapy session” exchange bringing humor and humanity to personal finance.

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Summary Table: Julie’s Financial Landscape

| Asset/Income | Amount | Notes | |-------------------------|-----------------------------------|----------------------------------------------------| | Husband’s salary | $150–200k/year (pre-retirement) | Plus $30–50k/yr consulting through retirement | | Husband’s pension | $70k/year | Survivor benefit selected | | Retirement accounts | ~$1.65M (pre-tax IRAs) | | | Taxable brokerage | ~$300k+ | | | Roth IRA | $33k | Newly established | | Inherited IRA | ~$867k | RMDs: ~$36k/year | | Own home | ~$2.2M | Fully owned | | Rental property | $4.5M (own half) | ~$6,700/month total rent, split with brother | | Annual spending target | $220k–$250k for travel/hobbies | For next 5–7 years | | Advisor fee | Unknown—needs clarification | Jill urges getting a lower rate upon more assets |

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Tone and Takeaways

Jill’s signature mix of empathy and blunt financial wisdom shines throughout—she roots for Julie’s happiness and security, provides clear explanations without jargon, but doesn’t shy away from calling out logical missteps (“Why are you asking for a problem? ...You’re in great shape,” 18:09). The episode encourages listeners to balance prudent stewardship of wealth with joy in spending on what matters most during the “active years”—and, above all, to demystify their own finances so they can act with confidence.

Bottom Line:
Julie (and households like hers) can “splurge a little—or a lot—without sacrificing long-term security,” so long as big illiquid, underperforming assets like the Silicon Valley rental aren’t left dragging down the overall plan.

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For more details or to ask your own question, visit jillonmoney.com!

Transcript

[Jill]

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[Julie]

Hi, I'm very well. Thank you for taking my call. Both Mark and Jill, what can we do for you?

[Jill]

What's happening? Thank you.

[Julie]

So I am curious about how much extra money I can spend on play things. So in this climate, especially also in this climate at this stage of our lives, how much can we spend conservatively for things like travel and hobbies and, and I'm really focused on the next maybe five to seven years when I think we will be more active and inclined to do bigger trips that tend to be more expensive.

[Jill]

Okay, who's the we in this?

[Julie]

My husband.

[Jill]

Okay, how old are you guys?

[Julie]

I am 63 and he is 65.

[Jill]

And are you guys both retired?

[Julie]

No, I am retired. He is happily working. And. And I encourage him every day to keep doing that. He will probably retire in another two years when I'm 65, so that we can get Medicare.

[Jill]

Okay, so you can get Medicare because obviously he's 65.

[Julie]

Exactly.

[Jill]

How much does he earn right now, Julie?

[Julie]

Right now he earns about 150. Plus he does consulting, so maybe on this year it'll maybe be closer to 200.

[Jill]

Okay, and will he keep doing the consulting when he steps down or full on? No, he'll keep that. He will. Okay, great.

[Julie]

So that's probably between 30 and 50 a year.

[Jill]

And that will be like, for how long? Like five years?

[Julie]

Yeah, I'd say so.

[Jill]

Okay. Are you entitled to a pension?

[Julie]

I am not, but he is.

[Jill]

What will his pension be?

[Julie]

His pension will be about 70,000 a year.

[Jill]

Wow. So you're telling me essentially he retires in two years, and you guys got 100 grand coming in from his pension plus his consulting income.

[Julie]

Correct.

[Jill]

Okay, got it. And is that pension, does that have an option for you to get a portion of it?

[Julie]

A survivor benefit?

[Jill]

Yes, that's exactly right.

[Julie]

Yeah. And I, after listening to your show, I made sure he made that happen.

[Jill]

Okay, good. Yeah. Really? Come on now. So, Julie, tell us about the money you've saved so that we can figure out how much you can spend. This is fun. I love the spending question.

[Julie]

Okay, so the total that I have in Savings is about 3.5. Well, 3.4 million.

[Jill]

Okay. But that is savings, retirement accounts, investment accounts. So what's in retirement accounts right now?

[Julie]

What's in. As in IRAs?

[Jill]

Yes.

[Julie]

So the IRAs, both SEP and non SEP, is about 1.65.

[Jill]

Okay. And that has not been taxed yet. 1.65. Okay. All right. And the rest of that 3.4 is brokerage.

[Julie]

It's a brokerage about. There is about 300 that has been.

[Jill]

Taxed in a Roth. You mean?

[Julie]

No, it was work income.

[Jill]

Where's that 300 grand?

[Julie]

Also in a brokerage.

[Jill]

Okay.

[Julie]

And then the only other part of that that I think is different is that I did start a Roth IRA last year. And so there's 33K in there.

[Jill]

So how you get to. I just want to make sure I understand this. You said retirement, you know, basically traditional IRAs is $1,065,000. Then there's $300,000 in a taxable brokerage. How do I get to 3.4 million do.

[Julie]

Because I have, like, all these other. I have all these other accounts.

[Jill]

What are those. Are those brokerage accounts, just like fun money accounts? What. What's going on?

[Julie]

Yeah, no, those are also brokerage account. They're in the same brokerage.

[Jill]

Okay.

[Julie]

So to be honest, I don't really understand what they all mean, but they're like, I've got a little bit in charitable funds. I have home household accounts. I've got my mom's. I've got my mom's IRA. So that's another chunk of IRA.

[Jill]

How much is in mom's IRA? 8, 6, 7, 867,000.

[Julie]

Yeah.

[Jill]

Is mom alive?

[Julie]

No.

[Jill]

So this is inherited IRA.

[Julie]

Right.

[Jill]

And when did you inherit that?

[Julie]

Probably about eight years ago.

[Jill]

Were you entitled to the stretch IRA treatment, or do you have to get this out within 10 years?

[Julie]

I believe I am entitled to the stretch. I do, though, take RMDs on that, because I need to. And that's about 36,000 a year.

[Jill]

All right, so right now, what are you guys spending in terms of, like, you have a ton of money saved up. What are you spending now? You know, like your regular travel, hobbies and everything? Do you know what the number is? Is it everything that your husband is earning and then some, or is it just you're living on whatever he brings in?

[Julie]

Well, I think about it, our monthly expenses is about. About 10,000amonth.

[Jill]

Okay.

[Julie]

And then on top of that, it varies. So like, this coming year, it might be very close to over, you know, over a hundred thousand. That is sort of a big year for.

[Jill]

You're saying in addition to your 120,000 on your. You're spending another hundred thousand on stuff?

[Julie]

Yes.

[Jill]

So 220 is the number.

[Julie]

Yeah.

[Jill]

Okay.

[Julie]

But that's not every year. Okay, but there are years where it's like another 50 on top of our expenses.

[Jill]

What? The hundred. You're sure it's not going to be like. In other words, are you saying to us, hey, Jill, Mark, we want to spend that $200,000 a year for the next five to seven years. Is that what you'd like?

[Julie]

Yes.

[Jill]

Okay. If we know for two years, it's fine, because we know that that's, you know, you got a couple hundred grand coming in, so that's fine for those couple of years. So let's go from 65 to 70. All right, so we're gonna say your age 65 to 70, Julie. So, you know, he'll be 67. So there'll be 100 grand, Mark. That comes in between pension and I'm only counting on him 30,000 for consulting. So there's 100. 100 coming in for that. And then mark on top of that. I want to make sure that we know that. That they're going to have to spend, you know, not that you live in California high tax state. So they'll clear 70. So we need another 150 grand a year for five years.

[Julie]

And can I also identify. We have a rental.

[Jill]

Oh, God. You people with the rentals. Okay, how much is in there? How much money is it worth?

[Julie]

About 4.5.

[Jill]

What? Are you out of your mind? Oh, my God. What's the outstanding mortgage?

[Julie]

I own half of it.

[Jill]

Okay, you're a 50% owner and is there a mortgage on it?

[Julie]

No.

[Jill]

Is their rental income?

[Julie]

Yeah, we get about 67.25amonth.

[Jill]

That's it?

[Julie]

Yeah.

[Jill]

Is there any. That's your half or total?

[Julie]

That's total.

[Jill]

That stinks.

[Julie]

Right? Well, that was my other question about.

[Jill]

When did we got to sell that bad boy. Can we sell it?

[Julie]

Yeah, yeah, we can sell it anytime.

[Jill]

Sell it, Sell it.

[Julie]

Do you think even in this market.

[Jill]

What market? The market that where there's a buyer, some buyer will buy it? That's the market I like.

[Julie]

But then where would I put the money so that it doesn't evaporate as.

[Jill]

Opposed to right now where it is right now, earning so below any sort of rate of normal rate of return that you could count on and you'd actually have liquidity and have access to it. You would basically. Are you managing your money yourself or are you hiring someone to do it?

[Julie]

We have an broker.

[Jill]

Yeah, you have a broker or do you have a financial planner?

[Julie]

Financial planner. We have a financial advisor. Yes.

[Jill]

Are they doing a financial plan for you?

[Julie]

Yes.

[Jill]

Has your financial advisor suggested that you sell the rental property?

[Julie]

Yeah, she. She would love for us to sell the property, but she also likes that we're diversified.

[Jill]

Well, how is that diversification working for you, considering that that rental property is generating, how shall we say in the official term, bupkis? It should be generating like 20,000amonth at least on that kind of. I mean, it's a $4.5 million asset.

[Julie]

Right.

[Jill]

We could buy you a bunch of bonds. We could buy you some California municipal bonds and generate better interest than what you got. Will the other person want to sell it ASAP too?

[Julie]

Or yeah, he's happy to sell it anytime.

[Jill]

Oh my God, the girls want you to sell it so badly. We know that your co owner would consider selling it. We know that capital gains are going to eat into a chunk of the money. Did you inherit this property?

[Julie]

Yes.

[Jill]

What year did you inherit this property?

[Julie]

Well, you know, my parents put it in an irrevocable trust.

[Jill]

Oh, okay.

[Julie]

Right. Now the taxes on it are extremely low, but we inherited it when my mom died, so about eight years ago.

[Jill]

I'm trying to think about what happens if you sell it. You'll have to look at the terms of the trust and like it gets distributed to you. But I think the trust pays the tax that's due, whatever tax is due.

[Julie]

It's now co owned as a tenant in common by my brother and I. So it's not in their trust anymore. I just.

[Jill]

Okay, good.

[Julie]

And so we actually just the other day put it into. We put my half because it's inherited into my trust.

[Jill]

Okay, I got you. You're. You're tenants in common and I got you. I got you.

[Julie]

Yeah.

[Jill]

Do you have grown kids?

[Julie]

No. Does he.

[Jill]

His brother?

[Julie]

Yeah, he's got two adult kids, but they are, he does not want them to have to deal with.

[Jill]

Okay, good. This is good. So when we sell it, it cleans everything up.

[Julie]

Yeah.

[Jill]

So then the money that cut flows out of this sale goes into your trust and then it gets invested and that's it. And it's invested in like a nice boring investment. You know, it can be a balance. You might even say, well, the trust account, which is revocable for you guys. You know, you might say, well, you know, let's keep that cooking along and let's just use the money from that and we'll. Whatever's in the taxable accounts and the, and you know, I guess some combination of all this money, you will be able to spend 220 or $250,000 a year. Like there's no way you're spending through all this money.

[Julie]

There's no way would that. Would your. Would you be as zealous about that statement if like we took another five years to sell the house?

[Jill]

What's the point of the five years?

[Julie]

I don't know.

[Jill]

I'm not, I'm not willing to. I mean, yeah, I think I would be fine with that, but. But what is the point of waiting five years?

[Julie]

I wonder about our economy in general and if it. I wonder, are you trying to, Are.

[Jill]

You trying to time the market? Julie. Julie's like timing the market for sure. No, I'm trying to time our way. Let's go back. Let's say the economy goes into the can.

[Julie]

Yeah.

[Jill]

Okay. Do you think your, your rental property is more valuable or less valuable? Okay.

[Julie]

I don't know.

[Jill]

Right. I don't either. Is it a commercial property or a residential property?

[Julie]

It's residential.

[Jill]

And is it in like a fancy area?

[Julie]

It's not such a fancy area, but it's highly coveted. Cause it's in Silicon Valley.

[Jill]

Okay. So let's just pretend for one minute that we're gonna, like, take our little fear goggles off. So if you're in Silicon Valley, right, and you've just had. You had a terrible market for technology in 2021. Then they came out of it. And then tech stocks keep going up, up, up, up, up. And like four and a half million dollars is pretty like a real number and someone will have to pay for it. But, like, why would we assume that in five years that we would do better on that house than having five years invested in a portfolio which would actually invest in some of the technology companies you're talking about? Mm, like, I don't really. I guess what, I don't really get the wisdom of waiting five years. In fact, if anything, if you really believe, like, the economy's going into the tank, why would real estate do better then?

[Julie]

Right.

[Jill]

And if it's like, well, no, I think technology is going to do better, then the economy could go into the tank, but tech still is going to succeed. In which case you'd be investing in tech, but you have. Okay, so let me get back to your question, which is, Jill, would you still be as zealous about our ability to produce 250 grand a year for the next five to seven years in order to have fun, and then after that five to seven year period, we would go back to a more, you know, instead of 10,000amonth, it would be like 15,000amonth. Does your financial advisor agree with this or not?

[Julie]

Yeah, I mean, she, she with the, well, not including the house thing, although she's happy to manage it for she's my brother and I have the same individual. So, yeah, she, she thinks if we, she sort of planned. If we include 50,000 for like 15 years every other year. So it's kind of the same math.

[Jill]

I don't see how we. I don't see how you run out of money. I don't see it. I wouldn't wait around to try to figure out the best time to buy and sell it's like it's a. You know, it's so difficult to do that and it's unnecessary. Like, I'm not saying that the. That the ability for markets to move up and down, but, like, obviously they're in a desirable location. The real estate market has gone up by, you know, even. Just look at your last five years for a second, Julie, of that real estate, it's appreciated pretty dramatically, right?

[Julie]

Yes.

[Jill]

So if I know that we've already had a big appreciation, is it possible that, like, maybe if it goes into the tank for the next five years, it won't appreciate as much as you think? Sure. But I don't know. I think financial assets are a little bit easier to manage in uncertain times.

[Julie]

So we would be less diversified and that.

[Jill]

Well, you still have a house yourself, right? How much is your home?

[Julie]

It's worth about 2.2 if she wants to.

[Jill]

If your advisor thinks you are underrepresented in real estate, then go buy some real estate investments inside your retirement account or inside of your investment account.

[Julie]

Right. I don't know if she feels that exactly. But give. I don't know. I think it's just almost like a safety net to have something real, like a real asset, you know?

[Jill]

Okay, I get that. But just to be clear, that that real asset, it may be a safety net, but if you really needed it, the only way to use it is to get it liquid.

[Julie]

Yes, exactly. That's true.

[Jill]

So why am I waiting to get liquid when I know you're going to want to spend more money in the next five to seven years? I would take your $2 million and invest it.

[Julie]

Yeah.

[Jill]

In a safe way.

[Julie]

Yeah.

[Jill]

I would be so excited. A nice balanced portfolio to. To suit your, you know, your ages and your lifestyle. You'll be set. So set. This is such good news. Why are you asking for a problem? Why ask for a problem? You're in great shape. You really are. Why are we waiting? When you have all this money, you cannot, like, live in. You're not living in two places. You don't. You're this rental. It's like, it defies any sort of logic to wait five years to do. Like, when you want the money in five years, do you want to have some security? You get the money out of that and get it invested. And don't forget to tell your advisor you want a cheaper fee when you give her the extra 2 million bucks.

[Julie]

Yeah.

[Jill]

Okay.

[Julie]

Interesting.

[Jill]

Yeah. What are you paying her?

[Julie]

I have no idea, actually.

[Jill]

Come on.

[Julie]

I know. I don't know.

[Jill]

All right, well, let's find that out. Can you find that out and let us know?

[Julie]

Really? Okay.

[Jill]

Yeah, let us know what you're paying. How do you not know? You know how much you're getting in rent, Right?

[Julie]

Yeah, I know. I don't know. You know what?

[Jill]

She.

[Julie]

She came by way of like, it's sort of an. She's an inherited advisor because the person my dad was using, she, you know, she trained up under that person. And then, you know, so it's been. So she's sort of been in the family.

[Jill]

Maybe those 10 years are up. Yeah, time's up, as they say.

[Julie]

What's 10 years?

[Jill]

She's inherited. Yeah.

[Julie]

No, I like her.

[Jill]

All right, well, we absolutely encourage you to get your money and spend your money.

[Julie]

Okay?

[Jill]

Otherwise, what are we doing this for? Come on now.

[Julie]

Okay.

[Jill]

All right.

[Julie]

I feel this was as much a therapy session as a finance.

[Jill]

That is what we do. Dr. Mark and Dr. Jill are in practice. I feel like Lucy Van Pelt on Peanuts where it says psychotherapy $0.05, but. But you get to pay zero instead. Good luck, Julie. If you'd like to get in touch with us, it's so easy. You go to jillonmoney.com, a website you've probably already bookmarked. Click the contact us button and of course let us know if you'd like to come on the air by checking the box marked as everything else. You can subscribe to us on the Odysee app or wherever you find your favorite podcasts. Please leave us a rating and review. Wherever you listen and of course, try to do something nice for someone else today. Change your work, change your wealth, change your life. Thanks for listening. We'll talk to you tomorrow.

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[Jill]

2013, two brutal murders left the city of Davis, California, paralyzed in fear.

[Julie]

The victims were an elderly couple.

[Jill]

It was up close and personal. I'm 48 Hours correspondent Erin Moriarty. I thought I had seen it all until I encountered the mastermind behind those murders. He's. I think the word is psychotic. This is 15 Inside the Daniel Marsh Murders. Follow and listen to 15 Inside the Daniel Marsh Murders on the free Odyssey app or wherever you get your podcasts.