Welcome to the Jill on Money Show.

It's Saturday, August 26th, and we are here trying to help you make better financial decisions.

Not the best, better.

And maybe it's not even a big decision.

Maybe you think it's a small one.

Maybe we'll uncover something else that's going on in your financial life.

All I ask is that when you go to JillOnMoney.com and you click that contact us button.

If you're shy and you don't plan to come on the air, then please send us as much information

as you can manage.

And if you do want to come on the air and you think you're going to need a reference

of some documents or values of accounts or something like that, feel free to prepare

that ahead of time and we'll make great use of your time.

Right now we are going to talk to April who's on the line from Chicago.

Good morning Jill.

Thank you for taking this question here.

My husband and I have an extra $1,500 a month and bottom line is where should it go?

We are both 50 with a household income of about $325,000.

I do have one son with a $529 plan that will cover the remaining years of his education.

Fantastic.

I have another son who has special needs and we do have a special needs trust funded

by a life insurance policy for his expenses upon our debt.

We have a mortgage of about $300,000 with a 3.2% rate over 30 years and this is where my

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