Life Has Changed, Are We Okay?

Summary

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Podcast Summary: Jill on Money with Jill Schlesinger

Episode: "Life Has Changed, Are We Okay?"

Date: March 30, 2026
Host: Jill Schlesinger
Guest Caller: Michael (Northeast)

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Episode Overview

In this episode, Jill Schlesinger takes a listener call from Michael, a returning caller who last reached out four years ago during a major life transition for his family—his wife, a physician, had just left medicine at age 50. Now four years later, Michael, aged 60, seeks advice on their family’s updated financial situation, investment management, planning for their children’s college expenses, and preparing for eventual retirement. The discussion blends practical financial analysis with Jill’s signature warmth and humor, offering clear and jargon-free advice for listeners facing similar life pivots.

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Key Discussion Points and Insights

1. Life Update and Family Situation

Timestamps: 04:09 – 07:04

• Michael’s wife left a high-paying physician role at 50, now works in a nursery school for $12k/year (down from $200k).

• Michael is 60, working, with a new income stream. The couple has two late-teen daughters (15 & 17), both in high school.

• Their 17-year-old is a high-level gymnast, aiming for a D1 college but recently overcame an injury.

  Notable Exchange:

  • Jill: “Does that make you happier? Would you rather her be very unhappy but have the money? ... Don’t answer that.” (07:30)
  • Michael (laughs): “Maybe a little of both. And she knows that.” (07:39)

2. College Savings and Planning Uncertainty

Timestamps: 05:24 – 06:58; 18:20 – 19:31

• $110k saved for the freshman; $130k for the junior, both in 529 plans.

• The gymnast (junior) may get a scholarship; Michael isn’t sure how much more to contribute, given the uncertainty.

• Jill advises waiting to see if the athletic scholarship comes through before putting more into 529s, then reallocating as needed.

  Jill: “If she does [get a scholarship] and you don’t need all that money, maybe it’s like the situation where you’re like, well, I need $15k a year for her just for stuff. And you have that. Then the freshman you can just slide all the money into the freshman’s account and you’re all done.” (19:01)

3. Current Financial Snapshot

Timestamps: 08:05 – 12:44

• Michael’s new job pays $185k; his wife earns $12k; he receives a $92k/year pension (joint & survivor).
• Expenses are roughly $14,000/month, driven partly by living in two places due to work.
• Assets include:
  • Cash: $70k
  • Brokerage (taxable): $3.36M (professionally managed)
  • Retirement accounts:
    • Wife’s 401k (traditional): $1.44M
    • Michael’s 403b: $500k (old), $25k (old), $58k (Roth 403b), $18k (new)
  • Home equity: Own a primary home (worth $1.1M, $380k mortgage at 5.75%) and a condo (worth $350k, paid off), plus a $100k family rental with little income.

4. Managing Investments: Fees, Allocation, and Rolling Over Accounts

Timestamps: 13:20 – 16:41

• Michael pays 1% AUM fee for management—feels he’s not getting value, especially in terms of financial planning.

• Jill encourages rolling all old 403bs into Michael’s current plan (if available), rationalizing account structure.

• For investment mix, a 60/40 split (stocks/bonds) is “not bad,” but perhaps could be a bit more aggressive for long-term brokerage, yet Jill affirms Michael's more conservative approach if it helps him sleep at night.

  Jill: “Unless you are excited by the amount of financial planning that a firm is doing for you, there’s no real [reason to pay 1% AUM]… It sounds like you can probably manage the assets on your own.” (16:17)

5. Real Estate Holdings & Retirement Plan

Timestamps: 11:03 – 17:42

• Michael owns two homes; considers selling the condo upon retirement (or possibly sooner) as it is only needed for work, flattening out future expenses.
• Jill reassures: the pension, Social Security, and home equity will make for a secure retirement as long as spending is tamed post-retirement.
• Social Security estimates: Michael expects ~$3,800/month starting at 67.

6. Insurance & Estate Planning

Timestamps: 20:27 – 20:39

• The family has estate planning documents and some life insurance; Jill asks about adequacy.
  • Main gaps: More life insurance would be ideal, but with survivor pension, they are covered.
  • One parent remaining (self-sufficient), so caregiver risk is low.

7. Encouragement & Next Steps

Timestamps: 20:56 – 21:31

• Jill affirms Michael’s progress and suggests the goal is refinement, not radical overhaul.

• Advises waiting for college/scholarship clarity before major moves; encourages rolling over investment accounts to streamline management.

• Suggests Michael reconnect by year-end with updates, especially regarding the gymnast’s college status.

  Jill: “You’ve done a good job of saving. I get the high expenses, but the high expenses were for this weird situation where you really did a reset. You did get your wife, you know, sort of in a better place. It seems like you are really very much on track to get where you want to go.” (19:48)
  Michael: “I will reach out at the end of the year.” (21:23)

8. Lighthearted Moments

• Jill’s puns and sporting banter:
  • “Let’s wait to see if the gymnast sticks the landing!” (18:54)
• Family gymnastics talk: Floor and bars are the junior’s specialties; vault “scares” Michael.

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Notable Quotes

• Jill (on worrying about spouse’s happiness vs. income):
  “Does that make you happier? Would you rather her be very unhappy but have the money?... Don’t answer that.” (07:30)
• Michael (on wife’s career transition):
  “Maybe a little of both. And she knows that.” (07:39)
• Jill (college costs):
  “It doesn’t matter D1, D2, D3… what matters is who’s going to pay.” (06:05)
• Jill (on fees for investment management):
  “Unless you are excited by the amount of financial planning that a firm is doing for you, there’s no real [reason to pay 1%]… You sound like a person who can probably manage the assets on your own.” (16:17)
• Jill (on waiting for college/scholarship clarity):
  “I wouldn’t put new money in at all… I would wait a year. Give yourself a little bit…” (19:14)
• Jill (encouraging, closing):
  “You’ve done a good job of saving… you are really very much on track to get where you want to go.” (19:48)

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Timestamps for Key Segments

• 04:09 – 07:04 Family situation, career/life transitions
• 08:05 – 12:44 Full financial snapshot and cash flow discussion
• 13:20 – 16:41 Investment account management, fees, and consolidation
• 18:20 – 19:31 College savings, scholarship discussion, timing of contributions
• 20:27 – 20:39 Estate planning and life insurance check-in
• 21:21 – 21:31 Episode wrap-up, encouragement for listener updates

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Conclusion

Jill’s advice to Michael is reassuring and actionable: With significant assets, a stable pension, and a clear plan to downsize expenses post-retirement, the family is on solid footing. Immediate action items include streamlining investment accounts, pausing new 529 contributions until scholarship outcomes are known, and ensuring insurance coverage is adequate. The overarching message? Change is challenging but manageable, especially with intentional planning and periodic check-ins.

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For listeners facing similar uncertainties—major life/career changes, college costs, or investment management doubts—Jill’s mix of empathy, humor, and practical advice makes this episode especially valuable.

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Transcript

[A]

Hey, gang, I know that we're all juggling so much. There's work pressure, there's personal stress. There's just that constant anxiety of being on edge. And maybe that rings true to you. Maybe you think you need some support, but every time you try to find a therapist, you get stuck. Maybe they don't take your insurance. Maybe the cost was so high it wasn't realistic. It just shouldn't be that hard to take care of your mental health. That's why Rula stands out. And they partner with over 100 insurance plans, which brings the average copay to about $15 per session. And depending on your benefits, it could even be $0. That's licensed in network therapy that actually works. With your budget, you can find a provider accepting new patients and book as soon as tomorrow. Visit rula.comjillonmoney to get started. After you sign up, you'll be asked how you heard about them. Please support our show and let them know we sent you. That's R U L A Dot com. Do you deserve mental health care that works with you, not against your budget? Hey, gang. I've recently been thinking about how to make my home feel more functional, not just aesthetically pleasing. I love a good design moment. But you know what? Your space has to work for you. That's why I turned to Wayfair. My big purchases there were very bright desk lights so that I could actually do my work early in the morning before the sun comes up. And then I got this kind of cool poof that my dogs like sitting on while I do my work. And my next task is some new storage solutions for my closet, some shelving, probably even for my garage. And what makes Wayfair easy is being able to filter everything by size, finish, price, and style. Find furniture, decor, and essentials that fit your unique style and budget. Head to Wayfair.com right now to shop all things home. That's W A Y-F-A-I-R.com y Wayfair. Every style, Every home. Welcome to the Jill on Money show. It's Monday, March 30th. Oh, my gosh. We're getting to the end of the first quarter already. It's incredible. Did I hear you just groan, Mark? Q1 done. Q1 done and dusted, gang. Time does go by fast, so don't let too much more time slip away before you get in touch with us and figure out what is important in your financial life and how we can help you out. Out. You know, it is important that we hear from you because otherwise we're going to talk to a whole bunch of people who have the courage to come on the air with us live. And if you are not that you, you know, just, you can change your name. We can change where you're from. We can really anonymize you. Don't worry. But time slips away. You're not dealing with the things you need to deal with. Why would you do that? We give you every opportunity to be in touch with us. And if you've got someone in your family who's maybe not even a listener and you think could use it, well, then get them in touch with us. We don't care. We want to hear from you. Go to our website, jillonmoney.com, click the contact us button, write us a note, and check the box. If you want to join us on the air now while you're on the website, don't forget you can subscribe to our weekly newsletter, which comes out on Fridays that will also entitle you to our blog. You can check out my book, the Great Money Reset. We are hearing from a ton of people who are still seeking to reset their lives. And that might be something with their work. It might be something with where they're living geographically, could be anything. I am mostly concerned with folks who really want to do this, but they are scared to take the proactive steps necessary to do so. So let me help you out. Check out the Great Money Reset and you'll find 10 bold steps to turn chaos into opportunity. Now let us get back to you guys, because today we have listener Michael who joins us from the Northeast. See, did I keep it kind of vague, Michael?

[B]

Yes, he did.

[A]

All right, Michael, what's happening? What's going on?

[B]

So I visited with you probably about four years ago. My wife was a physician and decided that she was just done with that at 50 years old. And we were trying to figure out what we could do and how we could do it. And a lot has changed since then, then. And I just wanted to sort of get an update and really talk about investments and how I can make sure I'm doing the right things at the right time. I've changed positions and I have different kind of stream of money that's happening. And I'm just really not sure what to do specifically. Like a Roth, should I just be putting money in brokerage? All those different realities and the difference of me being 60 years old and my wife having a 401k that we can't touch for many years and, you know, those Sort of questions that I'm just uncertain. Are we on the right path?

[A]

You spoke to us four years ago and your wife was 50. So she's 54 right now.

[B]

You are correct.

[A]

And you are 60. Do you guys have kids?

[B]

We do. We have young kids. We started late, got married late in life. So we have a. Let me think about this. We have a 15 year old and she just turned 17.

[A]

15 and 17, correct. Okay. 17 year old still in high school.

[B]

Yep. Junior and the 15 year olds, the freshman.

[A]

Do you guys have money set aside for them for college?

[B]

We do, but I don't think we have enough.

[A]

How much money have you saved for each of the kids? Let's start with the freshman. How much is in the freshman?

[B]

110.

[A]

And what about the 17 year old, the junior?

[B]

130.

[A]

Okay, so 110 and 130. 529 plans.

[B]

529s. Yes.

[A]

Okay. Are you contributing to those going forward?

[B]

Somewhat. And that was one of my questions. Should I start doing more there? We don't really know what they're going to do. One is an athlete and hopes to go D1 to some college.

[A]

I love that. I don't really care whether it's. It's so funny. I just had this conversation with friends of mine over the weekend because I went to school to play sports and so I'm talking to my friend about their kid and I said it doesn't matter. D1, D2, D3. What matters is what who's going to pay. Who's going to pay to help with our college costs. And so I mean, is this kid good enough to actually get money?

[B]

Yes.

[A]

Okay, got it. And that's the junior or the freshman?

[B]

That's the junior. The freshman doesn't know what he or she is going to do.

[A]

Okay, what's the sport?

[B]

She's a gymnast.

[A]

Oh.

[B]

And she's a level 10 gymnast and is extraordinary.

[A]

What does that mean? Level 10 gym.

[B]

That's the highest level you can. Can be at. But the problem is she, she had an injury, so she's about a year behind. She's very nervous about that, but she just keeps persevering.

[A]

And do you think there's a gap year in her future maybe?

[B]

No, no, she'll. She just, you know, it's funny you said that. She'll go D2 or D3 if she has to.

[A]

Okay, so next question. You're still working and how much are you earning?

[B]

185.

[A]

And is your wife working or not?

[B]

She is. She is working in A nursery school and makes about $12,000 a year.

[A]

Can you remind us what she was making as a doctor?

[B]

Around 200.

[A]

How's that gone?

[B]

It's been difficult, stressful, but she's happier.

[A]

Does that make you happier? Would you rather her be very unhappy but have the money? I'm just. Don't answer that. Don't answer it.

[B]

Maybe a little of both. And she knows that.

[A]

Oh, gosh. Okay. How are you guys doing on this? Almost 200 grand a year of income?

[B]

Well, I also have a pension.

[A]

Oh, tell me about the pension.

[B]

And I knew you'd love that.

[A]

Yeah, totally.

[B]

Yeah, I did about 92,000 a year.

[A]

So it's 92, 185. And the 12 from your wife. Right, right. Okay. So how's, how's cash flow based on all of those different streams?

[B]

Is. Okay. I live two different places, so we have, you know, all the expenses for two different places. I would say we don't come up short, but I'm not saving a lot.

[A]

Okay, so right now, what are your expenses on a monthly basis without the saving part, but just like the expenses?

[B]

About 14,000.

[A]

How much are you contributing right now to your current retirement plan?

[B]

My organization contributes 24,000.

[A]

You don't put any in?

[B]

I did last year. I have not decided if I'm going to this year.

[A]

Okay.

[B]

That's one of my questions.

[A]

Okay, very interesting. Okay, now can we drill down and kind of look at what you have asset wise?

[B]

Sure.

[A]

Money. Cash in the bank. Boring stuff.

[B]

70,000.

[A]

Okay. Any investment accounts, like brokerage account. That's a taxable account.

[B]

Yeah, we have about. Only about 3,360,000 in a brokerage account.

[A]

You know when you say only about, this is what gets me in trouble with other listeners.

[B]

I know I listen to you all the time and I get that, but I really feel like that's not enough for our lifestyle.

[A]

You live in a high cost of living area. I get that.

[B]

Yeah.

[A]

So let's talk about. There's cash, there's brokerage. Now retirement accounts. What do you have?

[B]

My wife has a 401k and there's about 1.44 in that.

[A]

And is it traditional or Roth?

[B]

It's traditional.

[A]

Okay. And you, what else does she have? Anything else?

[B]

That's it.

[A]

Okay. And what about you?

[B]

I have a 403B with about 500,000 in it.

[A]

Okay, great.

[B]

Then I have another 403B with about 25,000. They're not combined.

[A]

Okay.

[B]

I have a Roth 403B with 58,000 in it. And I just started a new 403 in this position. It's got about 18,000 in it.

[A]

No other Roth accounts outside of those two, the Roth 403 with 58,000?

[B]

No.

[A]

Okay, got it. Okay, so what do you think is the game plan in terms of retirement or just, like, looking ahead? I know you have a freshman. So it's like, are you going to say, hey, I'm 60. I got to get. I got to work till 67 to get this kid through college? Is that what you're thinking?

[B]

Pretty much, yes.

[A]

Okay, you have one pension. Is your current job a pension job?

[B]

It is not.

[A]

Okay, so we'll always have that 92,000 coming in, right?

[B]

Yes. Yes.

[A]

Joint and survivor.

[B]

Yes.

[A]

Okay, good. Got it. For your wife, I mean, her income will just continue kind of like this. 10, 15 grand a year, same thing.

[B]

Yeah. I don't know if she's going to continue.

[A]

Okay.

[B]

Like I said, we have two households, so the children are very busy.

[A]

I bet. Okay.

[B]

So I'm not sure it's worth it for what she's, you know, the hours.

[A]

I'm with you. I'm with you. Okay, you own one home and you rent elsewhere. Is that the deal?

[B]

No. And part of me wishes I did. So we own one home and that was paid off. But I did a mortgage on it to buy the condo that I live in now.

[A]

Okay, what's the primary house worth?

[B]

1.1 million.

[A]

And what did you borrow? How much?

[B]

There's about 380 on it now.

[A]

Interest rate?

[B]

5.5. Actually, 5.75. Sorry.

[A]

So when you said 14 grand a month, we're including all of these mortgages. Okay, condo, what's that worth?

[B]

350.

[A]

And no mortgage on that?

[B]

Correct.

[A]

Okay, got it. Any other real estate?

[B]

We have a rental property that's worth about 100.

[A]

Does it spin off income?

[B]

Very little. About $2,000 a year.

[A]

That's it. Why do we have this? Is this, like, some, like, weird cabin thing that you're just keeping for posterity? It's a family home, so I can't sell it and get 100 grand.

[B]

We will eventually. My nephew is living in it right now.

[A]

Sorry, nephew. Either you're going to pay for the. You're going to pay rent, or you're out. He does the rent.

[B]

That's where we get a little of that money every year.

[A]

It doesn't cost us anything except your sanity, which is like, if I had that hundred grand, I could not worry about college for the kids and move on.

[B]

Okay. In all honesty, it would be 50 because I bought the house with my brother.

[A]

Okay, so 50. I'll keep that 50. I love when people just say, you know, it wouldn't help me if you had an extra 50 grand floating around. You'd feel good. Okay, so I got this all. Do you happen to know what your Social Security benefit looks like when you are 67 or 70?

[B]

I want to say 3,800amonth and I don't know. My wife's.

[A]

Okay. You don't really have cash flow to do a lot of investing right now. Your organization is putting away $24,000 a year, and you don't have to contribute anything to get that. Is that right?

[B]

That is correct.

[A]

All right, so I would not put more money into retirement right now. What's your primary concern? Like, I don't have enough money for college or I don't. I'm worried I'm not going to be able to retire. Or like, you came in and you're like, I want to talk about allocation. That's the least of your problems as far as I'm concerned. So just what is it that's bugging you that I can make sure we address in this conversation?

[B]

I think it's just the uncertainty, you know, being 60 years old.

[A]

Yeah.

[B]

Will I go to 67? I mean, luckily I don't have to worry about health insurance. There's a lot of positive things in this, but it's like, what, when and how do I get to take the road off? Right. So can I retire at 67? Do I have to wait till 72? Do I. You know, all of those. It's. And am I managing this money? Well, you know, I. I pay 1% to have somebody manage money for me. It's one of my questions. And I don't feel like they're doing anything.

[A]

What are they managing right now? The brokerage.

[B]

The brokerage. And I think her for a 1k, but don't quote me on that because I can't even get straight answers from them. I feel very. I want to move out of.

[A]

We're done with them. She's got money. This. Got this slug of money. $1.4 million in a retirement account. How is it mostly invested? Now, I know the firm, but the listeners don't. But I know that's a good firm. So is it mostly stocks, bonds, fixed? Like what. What's the allocation look like in there?

[B]

60, 40. And I think it's divested. Well, I don't know the answer to that. I probably should have known that. I'm sorry.

[A]

That's okay. It's all right. And what about the brokerage account? Are you managing that yourself?

[B]

No, that company is managing it.

[A]

How's that invested? Is it also in that same company's stuff or is it a different. Huh.

[B]

But I. I've had conversations. I want to switch to the company I'm using now, which I feel better about because we have a financial person in this company that has been guiding me through some of the investments I've been starting there.

[A]

Okay. I mean, 6040 is not bad. She's young, you know, I mean, I'm a wimp. So I, I like 60 40, but she's young. And maybe, you know, if you think that that's something that, like, it kind of gives you some comfort just being 60 40. But maybe in maybe some of the brokerage account, I would be more 60 40, but maybe not. You could go probably a little bit more like 65, 35 or 70 30, probably. Is your 403B something that you are managing, your 500 grand?

[B]

No, it just sits there.

[A]

Sits there in the old company's plan?

[B]

Yes.

[A]

Do you like your current plan?

[B]

Yes, I do.

[A]

Is it like Fidelity or TIA? Why don't you roll all these old 403Bs into your current plan and make it easy on yourself?

[B]

That's exactly what I want to do. And I wanted to ask if that's what I should do.

[A]

Definitely. Yes, definitely. I mean, if they'll take. If they'll take a Roth 403B. And I don't know if you have one through work, if you have that availability, but if they'll take it, then roll everything you possibly can. So, I mean, generally speaking, unless you are excited by the amount of financial planning that a firm is doing for you, there's no real. And it doesn't sound like you're getting that. It's just manage money management, which some listeners think that I gloss over this, that I toss this out like you don't need that. But you sound like a person who can probably manage the assets on your own. And I think that it would be nice if you did get some financial planning, but it doesn't sound like you're getting that.

[B]

Right.

[A]

So why pay for 1% for that? You know, for just asset management. So in terms of the.

[B]

Can I ask another question?

[A]

Sure.

[B]

What about the 401? Okay. For my wife? Should I put that into Fidelity also? If I can.

[A]

If you want to make it easy for yourself because you want it all in Fidelity it's fine if she's like, don't do that, don't do it.

[B]

She. No, she'll do what?

[A]

Yeah, she's on board. Okay, so what? I will. I, I think if you want to have it all in one house, that's perfect. Perfectly reasonable to do it makes the alloc. It makes, it's kind of like makes the whole overall management a lot easier. Nice to get it all cleaned up right now, you know. Can we just talk about the condo for a second?

[B]

Sure.

[A]

If you had to go rent something where you are in that, this is like, you know, I know you have to do this work wise, but like what would it cost you to rent if you had to?

[B]

That's why I purchased it. Because it would cost me the same to rent that I'm paying right now as a mortgage payment.

[A]

The mortgage of the 5.755 on the primary.

[B]

Correct.

[A]

I see. And when you retire, you immediately sell this place.

[B]

Oh, 100%.

[A]

Okay. That makes me feel better.

[B]

Maybe even before.

[A]

Yeah, yeah. I don't see any, I don't see any problem long term for retirement. I don't either, given the pension. The pension's big. You'll have Social Security. Your wife is making good money. So you know, Social Security is not based on like your last three years. It is based on your 40 highest court quarters of pay. So the fact that she's making 12 now, she probably still is going to have a nice Social Security benefit. I think the, the question really is about the, the college stuff, I think for me and do you have parents or in laws that you need to take care of?

[B]

Not really. She's. We have one parent left and she's very self sufficient.

[A]

Okay. So I think that the, I don't know if I would put new money into the 529. I don't know, maybe. Which one's the potential scholarship? 17 year old. Well, I would wait. If that child gets a scholarship, you're going to be able to transfer all that money over to the other kid. That's what I'm thinking. So we wait to see if our gymnast like Mark, you like, get ready for this. Let's wait to see if the gymnast sticks the landing. Yes, yes, my friends. I can make a punny pun just like anyone else. Okay. If she does and you don't need all that money, maybe it's like the situation where you're like, well you know, I need 15 grand a year for her, just for stuff. And you have that and then the freshman you can Just slide all the money into the freshman's account and you're all done.

[B]

Yeah.

[A]

So I wouldn't put new money in at all.

[B]

Not even the normal yearly?

[A]

I don't think so. How much are you putting in? I would wait. I would wait a year. I would give yourself a little bit. I mean, it's not that long. When do you get. When do they have to make commitments? Middle of senior year.

[B]

Yeah. So probably six months from now. We'll know.

[A]

All right. Even if it's 12 months from now. Not even. Let's say it's by the end of this year. You might know a lot more in the middle of that. Right. So it's December, and then if we need you, come back and get in touch with us. But if we have to slide some money around or you want to put some money in one account versus another, that's fine. And then very happy about the sale of the condo because that's going to help with, you know, giving you more liquidity. Maybe it won't be 67, Michael. Maybe it will be 65. Let's see. There's a lot up in the air. You've got. Done a good job of saving. I get the high expenses, but the high expenses were for this weird situation where you really did a reset. You did get your wife, you know, sort of in a better place. It seems like you are really very much on track to get where you want to go. But we have a few missing pieces of the puzzle. Now let me ask a couple of boring questions. Estate planning.

[B]

Yes, we have that.

[A]

Great. How about life insurance for you?

[B]

Not enough. But I have it. And she has it. She has more because she was making more than I was.

[A]

Right?

[B]

God forbid. She's got my pension.

[A]

Oh, right. It's joint and survivor. So besides that, I think you're in pretty darn good shape. Let's get some more info. What is your kid's best event in gymnastics?

[B]

I'm gonna say the floor.

[A]

Okay.

[B]

Pretty. Pretty exciting. And actually, bars are pretty good, too.

[A]

Mark, I love that horse, that vault thing. It's crazy. Love that.

[B]

That scares me when she does the vault.

[A]

I'm sure. I'm sure. It's insane. Michael, from the Northeast, I think you're pretty good. I don't want to talk to you in four years. I feel like I want to hear from you by the end of the year so we know what's happening with the gymnast. Okay.

[B]

Okay.

[A]

Sound like it. Plan.

[B]

I will reach out at the end of the year.

[A]

That sounds great. Give us a holler if you need anything before then. If you are like Michael and you're a bit in flux because you don't have all these the information, that's okay. Get in touch with us. Go to Jill on money dot com, click the Contact Us button, write us a note, and if you'd like to join us on the air, check the box. Mark will do everything else. All right, gang, you can subscribe to us on the Odyssey app or wherever you find your favorite podcast. We always ask that you 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.

[B]

Foreign.

[A]

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