Welcome to the Jill on Money Show. It's Wednesday, January 10th, and we are here trying to help you make better financial decisions or maybe make big life decisions and maybe just maybe check out where you are with your finances before you make that big life decision. And it doesn't have to be radical.

It can be a minor decision or it could be something radical. Either way, we would love to hear from you.

Just go to our website, jillunmoney.com. Click the contact us button. Let us know if you would like to

come on the air, either audio or video, or if you just want to send

us an email, we do email episodes because we know there's some shy folks out there.

That's okay.

We're very good.

We're very happy to have the shy folks, too.

Let's give a little bit of a shout out to the shy folks.

We're going to start with Dustin, who is subject is the, quote,

right time for fixed income. So the message starts. First, a warm welcome to the compound family.

Oh, that's so great. That is our video content, gang. That's our YouTube show, Jill on Money,

powered by the compound. And Dustin goes on and says, looking forward to the great content.

Now, for the matter at hand,

I'm looking at an early retirement within the next six years and would like to, as I'm sure all do,

safely live off the income from my investments. Okay. While I realize that market timing is a dead end street, I can't help but think that now could be the time to seriously consider my asset allocation and begin slowly adjusting to add fixed income vehicles like an aggregate bond fund.

However, I stand to inherit a considerable amount of money in the future and feel that rebalancing my portfolio now

may be premature. Okay, here we go. I'm 43, single, no debt, no kids. I conservatively average

$15,000 each year in contributions to my investment accounts. I'm a homeowner two times. Oh, two homes. Both paid in full.

total value $500,000. I have $280,000 invested, $54,000 Roth, $40,000 in a traditional IRA,

$5,000 in a 401k with a full match of 3%, 181,000 in a regular brokerage account.

With the exception of $47,000 in the S&P 500 exchange traded fund, everything is in a similar

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