Welcome to the Jill on Money show. It's Wednesday, September 3rd, and we are here trying to provide you with unconventional and, dare I say, entertaining insights on your money and your life. To do that, we ask that you do a little bit of work. Just go to our website, jillonmoney.com, 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 us everything else.

While you're on the website, check out all the content that lives there. I especially have been

excited about the free weekly newsletter, which is now basically a substack subscription. So if you're

on substack, just search for Jill on Money,

and you'll get the newsletter as well as the things that I write throughout the week. So check that

out. Right now, we're going to talk to Roger from New Jersey. Hello, Roger. How can we help

you out today? I'm looking at retiring. I'm 59, and I've done gap analysis, a couple of different places,

and the gap analysis says I can retire with what I've saved in my 401K. My wife and I both work.

She has a pension, but she's younger than I am, so she won't be. So that was smart.

So a younger wife.

Yeah.

How old is she?

55.

Well, she's not young enough to really make a big difference.

When is her pension?

Tell me some of the details of her pension.

It's through the New Jersey Board of Ed.

She can start collecting in like five more years.

So she would collect a pension at age 60 of how much?

That is a good clue.

I don't know.

...