Welcome to the Jill on Money Show. It is Thursday, March 23rd. And we are here answering your

financial questions. If you've got one, just go to our website JillOnMoney.com. Click the

contact us button. Of course, let us know if you would be willing to come on the air.

Okay, March 23rd, just to remind everybody, in 2020, March 23rd was the bare market low

of the whole pandemic sell off. Even with the sell off now, we are above those levels. So

volatility tends to make us act and do stupid things like we sort of try to make something happen

when we just sit still and do nothing. So I'm guessing that you're thinking about doing something

with all of the headlines of the last couple of weeks. Try to do nothing. Or if you're going to

do anything, just get in touch with us. Okay, that is what Kelly did. Kelly's on the line from

Wisconsin. What's going on? How can we help you out? Well, my husband and I are both in our

early 50s. And we have good jobs. We have plenty of money for lots of extras. In about three years,

we will finish all of our major home updates. So we have a lot of extra money, a lot to us,

to save our invest. And so my main question is, what should we do with that extra money

that we anticipate having in 2026 and beyond? I love that kind of question. It's like, wow,

all those good news. So let's talk a little bit about sort of what's going on now. Are you both

working? Yes. Okay, how much do you earn? You can either do it together or separately, whatever you'd

like. Okay, combining come is 165,000 base with bonus of about 35,000. And that's pretty consistent.

Okay, so great. So 200,000 bucks, that's a good number. Are you both making contributions to retirement

accounts? We are. So 18% of my income goes into a Roth 401k. I just got the Roth option about

two years ago with a new employer. And my employer match is 3%. And then my husband puts six and a

half percent of his income into a state pension plan. And the employer match is six and a half

percent. Oh my God. Six and a half ways. So he is a state worker and he'll be entitled to a

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