Hello, Wine Embers. My name is Jesse. We came with another episode of the Wine Em Podcast,

where we teach you four rules to help you stop having paid you to paycheck, get out of debt,

and save more money. Saving money sometimes means you're saving it to spend it. Well, let's be

honest. You're always saving it to eventually spend it. But sometimes you are saving money and

choosing with us savings to actually invest it because you want that money to grow, to work for

you. Its job is to make more money until you do eventually sell that thing you bought like

a share of stock, and you spend it. Because again, we save eventually, even in retirement,

we are saving to spend. So, I got a question here. Reminder, you can send them into ask Jesse

at wineab.com. Got a question from Abigail. And Abigail, before I answer your question, I just have to

let you know that I am not a financial advisor. I do not give recommendations or anything like

that. So, do your own research and talk with a financial advisor. But I am not one of those.

So, here is your question, though, Abigail. Now that I've given that disclaimer,

you're Jesse. I'm watching my retirement account decline each week. It's painful contributing

each month. Almost the same amount I'm losing each month. Ouch. Abigail said,

Ouch, not me. But I echo that out. Ouch. What can I do during this time of inflation?

Should I shift from contributing to my 4013B to something else? A 4013B has options if your

employer is probably a 403B. See, there are 403B or 401K. It has options in it to invest in

probably a fairly broad number of investments. So, it's just a vehicle in which your investments

are riding around. So, when you invest in your 403B or 401K, they're both pretty much the same

thing. It's just a vehicle. And so, you're investing in bonds or stocks or something like that.

And those just sit inside that vehicle and get tax advantages. So, when you say,

or should I invest in something else, if you mean outside of your 403B, I would say no. Unless

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