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Welcome to the Jill on Money Show. It's Monday, December 26th. Happy Boxing Day, everybody.

Or as they say in Great Britain, happy Christmas, which is they don't say Merry Christmas for

some bizarre reason. But okay, fine, happy, Merry and all that. And happy last week of the year.

We are beginning that week and we are so happy to begin that week with you.

Some of you are listening on your morning walks. Maybe you're on vacation, but some of you might

be kind of tuning in and you have to go to work still. So I get that.

We are very grateful for all of you, for all of you who listen to us.

And if you have a financial question, time's ticking for your year-end planning goodness.

Go to Jill on Money.com, click the contact us button. Let us know if you'd be willing to come

on the air. Today we are joined by Joan, who's on the line from Seattle. Hi, Joan, how can we help

you out today? Well, I sent you an email because I've been worried. I've been really worried because I

retired last year, well, this year in February. So it's not even quite been a year yet. And when I

started the year, my portfolio had 619,000 in it. Wait, let me guess what it has now. Hold on a

second. Okay, you guess. 420,000. Oh, not that bad. Okay, there you go. As of the end of October,

I haven't checked November yet, but the end of October, it was 471. So you're really up in the way

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