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Te's and sees apply. Welcome to the Jill on Money Podcast. It is Tuesday, December 1st. And it's December,

thank God there's only one month left in this horrible year.

And I know it's not been horrible for everyone, but I think we can sort of generally say it's been

pretty rotten year and I'll be very happy to kick 2020 to the side of the road and open ourselves up to the possibilities

of 2021.

But that said, there's a lot of things that we need to be thinking about before the end of the

year and we're going to have a lot of

content that's around what you should be doing before the end of the year.

This might jog some of the concerns that you have basically before December 31st but also looking towards the January 1st

2021 and what you should be doing differently in your financial life. So if you have a

question send us an email. Ask Jill at Jill on Money.com and don't

forget to tell us if you would like to join us on the program. That is what Mitchell did. Mitchell is on the line and he's in Oregon.

Mitchell, welcome to Jill on money. What can we do for you?

Hey Jill, so I have a little bit of a quandary, so my wife and I are 37 years old and we're a little behind on a retirement, but we want to pay off our home.

...