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Hey everybody I'm Jean Chatsky. Thanks so much for joining us today. This is the third mailbag special we have done over the past few weeks. There are more that we have done. Over the past few weeks there are more that we are hard at work on because so many of you have questions right now.

Even those of you who are still fully employed and whose families are doing

just fine have questions. Just yesterday our producer, Catherine Tugle and I were chatting

about refinancing our mortgages, mortgages that she and I just got less than a year ago.

Because these are uncertain times, these are strange times, and we are all having to learn so many new things on the fly.

I and I know Catherine echoes this, I am so thankful every day for those of you who write in to us. It means a lot to us that you trust us with your big

financial decisions and I want you to know that I and everybody here at Her Money, we all have your back.

So on that note we don't want to delay diving in

and tackling as many of your questions as possible.

Let's say a big hello to Catherine Tuggle. Hey Catherine, hey Dean, nice to see you. It's nice to hear you too. I know it's been way way way

too long since we have been together but I'm excited that I'm going to see you next week for

a social distancing dinner outside.

I can't wait.

I've been telling everybody.

I get to see Jean next week. Excellent.

Well, let's dive in.

Our first question comes to us from a listener signed

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