Welcome to the Jill on Money Show. It's Wednesday, December 21st. And Mark and I are here trying to help you figure out what to do next in your financial life. And that could mean lots of different things. You don't have to have great financial circumstances. You could have lousy financial circumstances. We don't really care.

We would like to help you make the next best financial decisions. That's it. That's all you need to do.

So if that's you, hop onto the website, jillonmoney.com, click the contact us button and we'll get

you on the air. Mark does all that work. Today we're

talking to Donna from Georgia.

So my question is, my husband and I have always been in the payoff debt mindset. First,

we paid up $100,000 in student loans, then we paid off our mortgage. And we have always saved for retirement, but now I'm

wondering, did we save enough for retirement? I don't know. Do we need to all of a sudden save more?

And we also have two kids going to college in the next few years. How dare they do that?

I know. Gosh. Okay. How old are the kids? They are 18 and 16, so I've got a senior and a sophomore.

Okay. And tell us a little bit about your situation. How much do you guys earn together?

We earn about 2.25, sometimes a little more. My husband is employed by hospital, and I am self-employed.

Okay, so that's the about and the upside around that.

Okay, great.

Right now, on that 225 a year, how much are you putting into retirement?

We put about $46,000 to $50,000 a year.

He fully funds his 401K, and we're both 50, and so we do the catch-up. Great. And then I have a simple and have always funded that and do the catch-up, too. Great. So you're putting a lot of money away. You really focused on you got rid of the debt. You said 100. Is that what you said in student

loans? Yes. When he graduated, he had $112,000 in student loans. Now listen, the kids would say,

oh my God, why did you marry somebody with $112,000 in debt? But you were in love, right?

Love conquers all. And he was a bootstrap and kind of guy. He was on his own. And that was the only way he was going to be able to do it.

And he did it. And look, you guys are making almost a quarter million bucks a year. So you did it pretty well.

So you paid that off. And you paid off the mortgage. How much is the house worth?

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