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Welcome to the Jill on Money Show. It's Friday, December 29th and we are here answering your financial questions. I know it's the end of the year. I know it's just a few days to go. It's all right. We are still answering questions.

And because I know time is short, you want to just get into the content. As a reminder reminder if you want to join us on the air

Jill on money.com that is your magic website click the contact us button either write us your

note and if you can keep it short if you want to come on the air.

Mark does everything else.

Right now, let's talk to Mo who's on the line from Seattle.

Hi Mo.

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