Welcome to the Jill on Money show. It is Friday, March 4th. And we are plowing through our emails today. So if you have a question and it's burning up inside of you, it's financial, it is economic, it is tax, just go to jillonmoney.com, click the contact us button and give us as much

detail as you can. Of course, if you want to come on the program, which I love and Mark loves,

and everyone loves to listen to, we know that, just be sure to check the box that says,

I'm willing to come on the air. And then Mark does everything else.

Today is a day where we're going to start plowing through some emails. So let's start with

Anonymous, who's been working as an expat in the last several years. And he is returning to the

US and he's looking to settle in the Seattle-Tacoma area with something

with an ocean view, hmm, however the market's crazy, I'm 0 for six with my offers.

Here are my question.

Should I buy or just rent for another year or two?

If I buy, I am keeping my monthly payments to less than 33% of my gross, not counting annual

bonus, which averages 100,000 in the past

four years. Depending on the final price, I may be able to get a 15-year loan for a lower rate

and still stay within 33%. Should I do that? No, don't do that. I have no debt. I'll have to

purchase a vehicle once I get settled. I'm 59.

$2 million in an IRA, $200 grand in a Roth, $100,000 in a 401k, half a million in cash mutual funds, which will be used as down payment. I started to contribute to a Roth 401k this year,

now that it's available at work. I'm legally married, but separated. Hmm.

Spouses overseas, kids are grown.

All right, Mark, buy your rent. What do you say? Yeah, I might rent also just because what are you

going to do? I mean, you have to live someplace. So maybe rent for another year, see what happens,

sock away the money. But then don't worry about a 15-year loan. I mean, you can

get a 30-year loan and you keep your payments a little bit lower. It doesn't matter about the rate.

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