Welcome to the Jill on Money podcast. It is Friday, March 26th. And I know for a lot of

you that this weekend is going to be a big time to do your taxes, even if you know that

that extension is out there, you're still going to prepare, right? Because I just want

to remind you once again, even though the tax filing deadline has been pushed to May 17th,

if you make quarterly payments, and that's a lot of you who listen, if you make quarterly

payments, your first quarter payment is still due on April 15th. So don't make this mistake

because it can be costly and we don't want you to have any extra costs. So please pay

attention to that. Okay. Now this is the program that takes the mystery out of your financial

life. And we do that by answering your questions. You can send us your financial question

in two ways. An email asks Jill at Jill on Money.com, or you can just be on the website

Jill on Money.com and click the contact button. It's so easy. So let's start with a note

from Sean who writes the following. Hi, Jill. I love your podcast. And I've been a faithful

listener for the last few months now. I have two different questions. I'm 36. My wife

is 37. We have a three year old child. We live in a mark. Mark says that this is what

the stands are. I never heard this acronym before MCOL mod. He thinks it's moderate cost

of living area. Mark, I'd learn something from you every day. It's amazing. Anyway, Sean

is writing this. He says, he lives in this moderate cost of living area. He's got an annual

income of $450,000. My God. It's amazing. We've been saving aggressively for the past several

years. They're in their 30s. This is unbelievable. They've got a net worth of $1.9 million. They

have $650,000 in a taxable account and $410,000 in work related 401Ks, $23,000 in a solo 401K,

his wife's an independent contractor, $115,000 in the 529 and the kids only three. I think

you're done, by the way. 24 grand in crypto. They also have 85 grand in Roth IRAs. They do

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