Welcome to the Jill on Money Podcast. It is Monday, January 11th, even though Mark just

said in my ear that it's June 11th, he was playing with me. I know it's still January. It does feel like a lot of things have happened

over the last week or so everyone take a deep cleansing breath, okay?

Okay, good.

We're going to start the week off with one of your questions,

a person who wrote into us and said I'd like to join you on the air.

And for that we are so grateful.

If any of you want to come on the air with us, Mark and I really want to make this about your

voices being heard this year you had to hear me drone on all last year our email

address is ask Jill at Jill on money.com ask Jill at Jill on money.com ask Jill at Jill on money.com.

Ask Jill at Jill on money.com.

And just let us know, hey I want to come on the air with you.

That's what Margaret did.

Margaret's on the line, she's calling from the Midwest, not really calling, but through the magic of technical beauty. She is with us.

Margaret, welcome to Jill on Money. How are you? I'm good. I'm good. I'm happy to be here. I'm excited. You wrote in and I will just say that when I first

read your I read your email and my heart sank so you can tell us a little bit about your story and then we'll get to your

financial matters at hand.

Sure my husband passed away in February of last year, six year battle with cancer. He was an amazing man. I will say

that he did a lot of our long-term planning, financial planning, and I did a lot of our

sort of annual or, you monthly or annual budgeting so I was

involved in the finances but I was not involved in long-term planning. I regret that decision.

When we saw where things were going with him,

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