Welcome to the Jill on Money Show. It is Tuesday, December 27th. And yes, even in the last week of the year, Mark and I are here for you. We are answering your financial questions. And I know a lot of you, you're just listening and it's sort of passive. But if you're nervous and you're sort of feel like you

want to ask us a question, but you're kind of scared, don't be so nervous. It's very easy. All you need to do is go to Jill onmoney.com. Click the contact us button. Let us know if you'd be willing to come on the air. And while you're on the website, don't forget, we've got all sorts of fun things like the free weekly newsletter. It comes out every Friday. Like you can order my new book. It's coming out in just a few

weeks, the great money reset. And you can also just see all the great stuff that Mark does, which

I keep him busy and he keeps me busy. Today, we are talking to Sam, who's on the line from Philadelphia.

Sam, what brings you to our airwaves today? So I have two questions. One is just kind of about

whether we're on track for our retirement savings. And the other question is about saving or where to put money for our

toddler. Okay. So you said there's a we. So how old are the we? You and a partner and are you

actually married or are you just living together in sin? We are married.

I am 32.

He is 33.

And we have a three-year-old son.

How much do you guys earn?

Just about 160 a year.

And are you putting money into a retirement plan?

Yes.

So we put money into our 403Bs, and then we also contribute to Roth IRAs.

Great. Are you working for like a school system or a hospital system? And more importantly,

do you have a pension that's available to you? So we both work for health systems. Neither of us

have pensions at the moment, but my husband actually just

made the cutoff for a small pension from a previous employer, so that they said would be $300

a month when he qualifies for that. So in the 403B, how much are you putting in and how much

you putting into your Roths? So we contribute up to the match for both of the 403B, how much are you putting in and how much you putting into your Roths? So we contribute up to the match for both of the 403Bs.

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