Welcome back to Finance Friday, another special edition of Money Girl, where I answer your

burning money questions.

Today we have a great question from Andrea who says I'm

45 and have arranged my lifestyle to live on about $18,000 per year since I don don't have a mortgage, any other debt, or kids at home,

this income covers my expenses, barring any surprises.

After receiving a cash windfall,

I put most of it in a high-yield savings account and CDs.

I also have a couple of retirement accounts from previous jobs and a Roth IRA that I plan to max out every year.

After that, if I have extra money, where should I invest it?

Thank you so much for your question, Andrea.

I love that you're so focused on investing even though your

lifestyle includes a relatively low income it just shows anybody can do it if it is

in your focus and it's you's really a priority for you. Whether you can max out a retirement plan

at work, you don't have one like Andrea, or maybe you're like me and you're self-employed, there are terrific investment options to consider besides a 401k.

Based on your financial situation and goals,

this podcast will review the best places to invest regularly or maybe to stash a cash windfall

that you're lucky enough to receive.

Welcome back everyone.

Thanks for joining me.

I'm Laura Adams, an award-winning author, finance spokesperson, a money speaker,

founder of the Money Stack newsletter and host of the Money Girl Podcast with 43 million downloads.

Be sure to follow on Apple Podcast,

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