Welcome to the Jill on Money podcast. It is Tuesday, November 17th, and we are always delighted to hear your voices. So if you want to come on the air and tell us about your financial situation directly, just send us an email.

It's Ask Jill at jillonmoney.com or if you hit the contact button at the Jillonmoney.com

website, we will get that message and say, hey, I'm happy to come on the air with you guys.

Because as you guys are hearing, these are much better conversations because I can ask follow-up questions

and understand what's really going on in your life. Ask Jill at Jillonmoney.com. Tell us what's going

on. Ask your question and say, hey, I'd love to come on the show with you guys. And Mark will

arrange everything else. Bonus, you get to talk to Mark and he realized he's alive. It's fantastic.

Okay, today we are joined by Lee. She is on the line from Texas. Hello, Lee. What can we do

for you today? Hi, Jill. Thanks for having me. I am just curious if we're on the right track

and if we're missing anything. All right. Tell us what's going on.

Okay. So my husband and I, we're in our mid-30s and we've got two preschool-aged children and

we'd like to have one more baby eventually. We both max out our 401k for him and a 403B

for me and our backdoor Ross. I'm in K-312 education. I make about $67,000 a year. In our,

in my retirement, I have $128,000 in a Vanguard 403B. It's in a target date fund.

105,000 of that is in a Roth. 23 is in pre-tax. I've got $12,000 in a backdoor Roth IRA, and I've contributed the

max for the past two years, and I'm going to continue doing that forward. And then I've got

$23,000 in savings. My husband, he makes between $200 and $250,000 in big oil. He's got $630,000 in his retirement, and 90% of that isn't traditional. He's got $75,000 in a Roth IRA.

We've got $400,000 in a brokerage, and he on his end has $50,000 in savings. So that is it for the money.

But then we've got two $529s from New York and Utah for our kids. We contribute

$500 a month per child, and it's about $45,000 total in their accounts right now and they're in preschool.

We both have term life insurance for 10 times our income. We both have short-term disability.

My husband has long term. We recently refied our house to a 2.75% rate on a conforming 30-year. And it's where we want to stay. It's where we want to raise our kids. But it's a 1960s home. So we plan to fully gut and remodel it. And we have $200,000 put aside for remodeling right now, just in a savings and CD for that. And when we

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