Hey there, welcome back to Finance Friday. It's another special edition of Money Girl,

where I answer your burning money questions. Today's topic comes from Yanni, who says,

My husband recently retired at age 60, but I'm still working and plan to retire in about six years.

Since my income covers our expenses, my husband doesn't need to take distributions from his

401k and will delay his Social Security benefits. We have about one year's worth of income in high

yield savings.

Do you think that's a good amount?

Now that we live on a single income, we qualify for Roth IRAs.

So should we invest extra money in a brokerage, a traditional IRA, or a Roth IRA?

Yanni, thank you so much for your questions.

It sounds like your finances are in great shape.

This podcast will answer your questions about navigating, saving, and investing as you approach

retirement or maybe have less income with a newly retired partner or spouse.

Welcome back, everyone. It's episode 937 of Money Girl.

I really appreciate you spending time with me. I'm Laura Adams, an award-winning author,

a spokesperson, money speaker, and founder of The Money Stack. That's my substack newsletter.

You can learn more, ask your money questions,

and sign up for the Money Stack when you visit laura d.adams.com. You can subscribe to the newsletter for free or support the show as a paid member and also get access to live educational

events. So if you're a Money Girl reader or podcast listener,

you definitely know that I recommend building a healthy emergency fund. A cash reserve is

essential for staying safe if your income drops or you have some unexpected expenses.

But the right amount of emergency money is different for everyone. For instance,

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