0:00.0	Welcome to the Jill on Money Podcast. It is Tuesday, December 22nd. And yep, times
0:11.2	of ticking. I feel like it's such a weird week that I don't even know why I keep saying
0:15.5	times ticking. Times been ticking for a long time. It's like this crazy COVID pandemic
0:20.8	10 months into this, uh, maybe four or five months to go ish. I just found out one of my
0:28.2	neighbors who is a nurse, uh, was inoculated in the second day. He was walking around pretty
0:34.4	happy, I presume. But, uh, we're all going to be inoculated soon and then we're going
0:38.4	to be safe and then things are going to get back to normal. And I know we all cannot
0:43.1	wait for that. In the meantime, if you have all this extra time on your hands and you are
0:47.9	trying to figure out what to do with your financial life, we encourage you to contact
0:51.5	us, let us help you through the process. Send us an email, ask Jill at JillOnMoney.com,
0:58.4	ask Jill at JillOnMoney.com. And if you would like to join us on the program, let us know
1:03.8	that as well. That is what Tony did. Tony is on the line from Western New York. Tony,
1:11.3	a Buffalo Bills fan and congratulations. I hope because as we record this, the Buffalo
1:17.4	Bills are looking in decent shape. You feeling positive about your bills? Go Bills. Go
1:22.9	Bills. All right. Tell me what's going on and how we can help you out. I'm 45 soon to
1:28.5	be 46. My wife is a few years younger, 44. We have two children. We are looking to build
1:35.0	our, quote unquote, dream home situation is we currently own our home. We are debt free.
1:43.2	We make about 125 ish. We put about 26% of our income towards retirement. That's raw.
1:51.8	We own our own business. So we participate in a simple IRA and we're contributing to
1:56.0	our children's 529 bless. All right. That sounds good. We are looking to build a home.
2:03.0	When everything's all said and done, we're looking at about $525,000. We're putting
2:10.1	them down about $300,000. That includes the proceeds from the sale of our home. My
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