Welcome to the Jill on Money Coronovirus Market Update. It is what day is it Mark. I've lost my brain here. It will be released on your feet. It will be Wednesday morning.

Aha! There it is. I've had my brain back. Thank you. It was just captured for a moment.

Mark said I was a little down yesterday. I don't know. I guess I was because it was Monday and there was a little down yesterday. I don't know I guess I was because it was Monday and there

was a lot of bad news so today I'm going to be much more upbeat not because I feel

better but because you deserve me bringing my enthusiasm to you every single day. So let's start right now.

If you've got a financial question, I want to hear from you. It's Ask Jill at Jill on Money.com. That's Ask Jill, at Jill on Money.com.

That's Ask Jill at Jill on Money.com.

Yes, Aunt Jill gets down sometimes, but come on, back.

I'm back, baby, back.

Let's get into some questions. Here's a tote who says I'm a fan of the

podcast and I've been listening to it since the start of the year. I've heard you

advising people on roboboo or do-it-yourself investing, but it seems that the money involved changes a lot.

In my case, I'm a PhD student, 25 years old, without any student loans.

Thanks, Dad. I was able to save around $4,000 up to this point. My

monthly income is low due to research taking up my time. And it's now, let's see, $1,400 is the monthly income, $1,100 are expenses. I've also got $5,000

of my trust account, so investing, 4,000 isn't dramatic. My question is do you think it's a good time to start

investing with betterment or wealth front considering I don't won't have time in my career in the next

five years to actively manage.

Yeah, absolutely.

Look, why is a roboboe advisor so good?

It's simple.

So yes, a betterment, a wealth front,

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