Welcome to the Jill on Money podcast. It is Friday, February 19th. Man, do I love these short

weeks? Just flies by. It's fantastic. You know, it's great. We are going to have a fantastic

guess. I'm going to tease it at the end of this episode. But this weekend, it's a very relevant

guest. That's all I can say for all of us. If you've got a financial question we'd love to hear

from you, our email address is ask Jill at JillOnMoney.com. And if you're on our website, which is just

plain old JillOnMoney.com, we've got a contact button. Tell us what's going on. And if you would like

to join us on the program, Mark can do the rest. It's very easy. Matt writes, hi Jill, I've been a

long time reader of yours in the Chicago Tribune. And I'm a regular podcast listener. This is my

second time writing in Matt writes, I got an unexpectedly large bonus. Those are my favorite

kinds. But it put me into the highly compensated employee group at work. That's interesting. So

some of you may have heard of this. It's when usually happens at smaller companies that when you've

too many people who make too much money relative to everyone else, it limits the amount of money you

can put into a retirement contribution. So Matt goes on and says, while the bonus is nice,

it means my combination of traditional and Roth 401k is now capped at 12%. I had been doing

15% for the 401k and maxing my HSA and a Roth IRA. Do I have any tax advantage options left

for this 3% or should I just be looking at exchange traded funds through a standard brokerage

account? The intent is to use it for retirement savings. You're screwed. You just got to do that.

Yep. It's going to be a non-retirement, just a planal brokerage account. You can do it anywhere.

Make it cheap. It could be exchange traded funds. But if you think you're going to be adding more

money to it or smaller dollar amounts, you know, if you want to just use a mutual fund, that's fine,

two, index funds, simple. Keep it simple. But yeah, it's kind of where you are. It's good and bad,

I guess. Oh, well, yes. Mark is saying, wondering whether you have any nieces or nephews or children

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