Welcome to the Jill on Money Show. It is Thursday, September 15th. And I, as you listen to this,

I'm on my way up to the big cycle for the cause ride. And thank you so much to everybody who has

donated. We really do appreciate that. So grateful for the community. I think every time I get a five

or a ten or fifteen dollar donation, it's as important to me coming from you all as it is to get

a big chunk of money from some fat cat who I know from a past life. So thanks for everything. And if

you're a fat cat, feel free to give also. That would be wonderful. If you've got a financial

question, all you need to do is go to our website, JillOnMoney.com and click the contact us button

to let us know if you would be willing to come on the air. However, because I have taken so much

time off, Mark and I took a nice chunk of time off in August, we have built up a huge number of

emails. So I'm going to try to do a couple of email episodes. And hopefully that will break through

this huge log jam that we have. So let's do it. Okay. And I love the emails also. But remember,

we really do need as much detail as you can provide when you send us an email, right? Okay, fabulous.

Here we go. Let's start with Eric, who says, hello, Jill and Mark. I love the show and listen

every weekday. What about on the weekends? We have weekend shows also. Okay. I'm writing to get

your opinions on using money from a brokerage account. I'm 40 years old and I currently make just

over $80,000 per year. I max out my Roth IRA every year, contribute 5% with equal company matched

to my Roth 401k annually and contribute about $2,000 per year to my HSA. I've got an emergency fund

and a what he calls a an eventual expense fund and a fund money savings account. These are all good.

I like these different ways of siloing your cash. Okay. Eric goes on and says, I recently opened a

brokerage account with fidelity, which is also the same place where he has his Roth IRA. And he's

been putting a little money every month in there after maxing out the Roth earlier in the summer.

And he writes, I understand the value of having money grow through a market index fund. And that's

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