Welcome to the Jill on Money Show. It is Thursday, November 17th. And we are here. We, Mark and I are here to help you make better financial decisions.

Oh, Mark, I forgot to tell you. I went through the whole HSA, H-G-H-P, H-S-A, rabbit hole with my spouse.

What was, do you know what your out-of-pocket maximum is on your plan if you do this?

I'd have to look. I did read it earlier when we were doing this, but I'd have to look.

Oh my God. Ours is so high that it may not be worth it. I mean, just because we're also old. Like, if we were young maybe, but it's a big number, dude.

It's definitely more advantageous if you're on the younger side.

I know. When you're old, farts like us, it may not make sense. Anyway, this is going to be a great thing for many people.

I'm not sure that we're going to be able to take part in it because it's just relating our lives and the out-of-pocket is so much.

And we're old farts. So who knows. But I will say that I don't think we're going to do it. Okay. Let's get to your questions.

This is from Louise, who writes, Jill and Mark first off, you guys rock. I've learned so much from you.

I've got a totally different view of money and it feels so much better than my previous view. That makes me feel good.

I just turned 64 and I'm recently divorced. Wow. That sucks.

I feel I have somewhat of a grip on my finances, but I could use your insight to make sure I'm going in the right direction.

I feel like I'll be okay. But then again, dot, dot, dot, you know, that, then again. Okay, here's what's going on with Louise.

I'm retired. I receive a pension of $2,300 a month. Health insurance is fully covered until I'm 65. That's so good.

I recently sold my home. I purchased a home closer to my child.

I have a $118,000 30-year mortgage at 4%. Houses worth $2.75. No other debt.

I have options to work part-time and earn about $1,500 a month. I still fully fund my Roth every year with my part-time income.

I would like to stop working by the time I'm 66 if not sooner. Social security at full retirement, $2,040 a month.

My monthly expenses are $3600 a month, $36 pension. So that looks like we're good. We're good. We got expenses, you know, social security, pension are $4,300 monthly expenses are $3,600.

So it looks like net after taxes, probably perfect. Now, I would like to be able to spend $5,000 a month to do some of the things that I read and join.

Okay, let's see if she can do it. The Roth IRA has 560 grand. Roll over IRA 123. 4 or 3B 67. So now 560, 670, brokerage account 260, brokerage account with digital advisor, all bunch of money, a variable life insurance policy.

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