Welcome to the Jill on Money Show.

It's Wednesday, February 18th, and we are here trying to help you make better and

sometimes just less bad financial decisions.

If something's going on in your life, no matter how big or small, and you need a little

bit of guidance or mentoring or you need a Sherpa to carry

the emotional baggage that you're carrying right now. Mark and I are emotional Sherpas and

we're also certified financial planners and we'd love to help you out. Just go to the website

Jill onmoney.com. Click the contact us button. Write us a note. And if you would like to come on the air,

just check the box. Mark does everything else. Right now, we are going to do some emails

because the box is getting filled up. Benny writes, hi Jill and Mark. Thanks so much for reading

this. And we hope you can help us. We are a married

couple, no kids, just pets, 48 and 49, living in a very high-income tax, high cost-of-living

state. We both work in stressful, competitive, and recently shrinking industries. Thanks a lot, AI, says Benny. Our current annual

income varies between $230,000 to $350,000. What a range. That's before taxes. Now, because of

impending layoffs at our employers and some escalating health issues that might

dramatically limit our ability to find new jobs in other fields, we're worried that we might

be forced to retire prematurely in the next year or two. Wow. So like around 50.

Thankfully, we've been saving up because we realized this day was coming.

So right now, and by the way, in Perens, with the market at all time highs, here's what they have.

$2.5 million bucks in 401ks, $1.3 million in a taxable brokerage account, which is mostly in Vanguard funds, a million dollars in cash, high-yield savings, and laddered CDs because we know we are going to have to carefully manage our modified adjusted gross income to afford health insurance

through the Affordable Care Act if we are laid off.

Okay.

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