Welcome to the Jill on Money Show. It's Tuesday, November 21st, and we are here trying to help you make better financial decisions. And to do that, we just ask you to do something very, very easy. You go to the JillonMoney.com website and you click the contact us button. When you do that, a form appears.

It's so easy. You put your name and then there's a message and then there's a little question

at the end. It says, are you willing to come on the show live? If you say yes, Mark does everything else.

He arranges to get you on the air. If you're on that website, there's a whole bunch

of stuff that's free. There's all, there are blogs, there's a radio show, there's resources,

and there's also the webinar series. And this is a way for you to participate in real time with us.

This is called Jill on Money Live. It's our subscription service. And for $35,

you are entitled to have four webinars, quarterly webinars, and a lot of bonus content.

Our next webinar is on December 6th. That will be at 7 p.m. Eastern time. And we will be talking

about year-end tax and financial planning with Dan Forbes.

He's a certified financial planner. He's a guy who I trained about a million years ago.

When you also join our beautiful community of Jill on Money Live, there's a whole bunch of cool

interviews behind the paywall, everything from Mike Quincy, from Consumer Reports, to Gene Chatsky,

to Diana Henrique, is a fantastic author. So you can check all that out for $35. That's all it

costs. Okay. Now, let me take a breath. Let's talk to B, who is on the line from New York.

Hello, B. How are you? What can we do for you?

Hi. Thank you so much for taking my call. You guys have been great throughout the pandemic,

and I just want to thank you. It was a beacon of light to hear you guys every day and reassure us.

Oh, thank you very much for saying that. We really do

appreciate it. So now we've turned from beacon of light to dream crushers, which is,

really, Mark is never the dream crusher. He allows me to take on that role. What is it that we can do

for you and how can we help you out today? I'm trying to figure out if I can decrease my hours

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