Welcome to the Better Off Bonus Call the Week.

You know, this is the time when Mark and I love to hear from you.

And so if you've got a financial question about anything going on in your life, give us a holler.

Ask Jill at betteroff Podcast.com. We've got two chances to get you on the show,

today's bonus call, and then after our longer interview show, we drop on Thursdays we do the listener call the week so give us a shout why not get a second opinion or a third opinion

Mark gives this opinion from behind the glass.

I get it, believe me.

So let's go talk to Samantha.

She is on the line from North Carolina.

Hi Samantha, welcome to Betteroff.

What can I do for you?

Hi, Jill.

Well, I am a graduate student and I'm at Duke University and I came right from undergrad

just trying to get my schooling kind of over with and came out of undergrad without any debt. I played

soccer and was all a scholarship and so I didn't build up any school loans from my undergraduate, but obviously not working.

I wasn't able to pay for my graduate school out of pocket.

So I have about a 50% scholarship for my tuition for graduate school.

I'm going to be graduating in May

and looking for the best way to start paying that off.

So when I get a little bit of extra money,

I'd also like to know what accounts I need to start setting up for my retirement and just sort of get me on the right path preparing for graduation.

First of all, congratulations. That's number one, which is like you graduated without debt which is

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