Welcome to the Jill on Money Show. It's Thursday, February 22nd, and we are here to try to help you make better financial decisions. If you have a question, just go to our website, Jillonmoney.com, and click the contact us button. While you're there, you can sign up for the free weekly newsletter and you could buy my book,

The Great Money Reset, out in paperback. Today, we're talking to Vivian from California.

Thank you so much, Jill and Mark. Thank you. Thank you. I am so excited to be on your show.

Yay. I'm so excited to have you. So tell us what we can do for you. Well, I have

three years ago, I have purchased a fixed index annuity and for close to 500 grand. And I'm

pretty nervous about making that decision some time ago.

And I'm not sure what I can go forward at this point.

I don't know whether I should withdraw 10% without any penalty out so I can do my own investment

or whether I should just leave it along. Tell us about yourself. Before

you, we get into this, how old are you, Vivian? I am 68. Okay. And you put a half a million

dollars into this three years ago. Do you have any other money that's invested besides this $500,000 in the fixed indexed annuity?

I have the 401k and some money in my treasury bill.

The total will be roughly about $497,000.

Between the two, between the 401k and the T bills? Yes. Okay, so about another half a million

dollars. That's great. Are you still working? I am still working. I'm planning to retire at 70,

and I will be collecting Social Security. At that point, it will be, before tax, it will be roughly about $3,600.

Okay, great.

And are you single or married or what, partnered?

I am divorced.

I'm single.

Okay.

Do you have grown kids?

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