Most of us like to come prepared when we’re asked to give a speech — no matter the size of the room or audience. But sometimes when we want to say something important, we don’t have time to prepare at all! Being able to speak confidently on the fly is especially important at work, when so many of us have big goals we want to accomplish. So, how can we make sure the ideas we’re hoping to express come across confidently everywhere from a one-on-one huddle, to a packed auditorium? Matt Abrahams is an expert on sounding confident when speaking on the fly, and he’s the author of the number one best-selling book: “Think Faster, Talk Smarter: How to Speak Successfully When You’re Put on the Spot.” He shares his best advice on how to become better speakers (and listeners!) in any situation. In Mailbag, we hear from a listener who is wondering if Roth 401(k)s make sense as a high-income earner, and we chat with a woman who needs an executor to handle her estate. For our money tip of the week, is raising the deductible on your homeowner’s insurance the right move? More money news when you need it! Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices