Welcome to the Jill on Money Show.

It is Monday, September 15th, and we are here answering your financial questions.

If you've got one, just give us a holler.

Go to Jillonmoney.com.

Click the contact us button.

Write us a note.

And if you'd like to join us on the air live, check the box.

Mark does everything else. While you're on the website, you will see that we've got another

podcast. It's called Money Watch. We drop that on the weekends on Saturdays and Sundays.

A little bit of a deeper dive into some of the basic building blocks of your financial life.

We also have a blog. We've got a free weekly newsletter.

We've got videos and resources all there at jillunmoney.com. Of course, Mark, this is the last week

that you will have my cycle for the cause up. This is the week, ladies and gentlemen, I need you

to just put some good vibes out for me because on Friday of this week, I begin my three-day

bike for the cause, a 275-mile three-day event. Thank you all who have been thinking about me,

who have supported me, who have given me song recommendations for my training playlist. It has been

very, very important to feel the hands on my back as I do this once again. Maybe my last time,

Mark, I keep saying it's my last time, but maybe this one will do it. Anyway, thank you all for

that. With that said, let us turn to you. We're talking to Elise, who joins us from the Northeast. Hi, Elise. How are you? Hi, Jill. Hi, Mark. I'm so happy to be here. I've been an obsessive listener for the last year or so, even diving into some older episodes. And I shout your work from the rooftop. So thank you for

everything. It's been awesome. Well, that is wonderful. By the way, everybody who's listening,

I love the obsessive listeners. You get a lot of credit for going to the back catalog. You can tell us

how we've done better, worse. Maybe we've made a bad suggestion to somebody. You get to go back

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