Welcome to the Jill on Money Show. It's Sunday, January 14th, and we are here trying to help you make smarter financial decisions for you. And remember, the most important part of that sentence is you. And so if you are unwilling to come on the air with us live, whether it's audio or video, we would love

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that out. Okay, right now, let's talk to Kathleen. Kathleen's on the line from California.

So my question is, so my husband, he currently has a great job, wonderful benefits,

including a pension. However, in about five years, when my youngest flies the coop,

we'd really like to be able to move out of state and buy a house with the equity we have in our

current home, which would mean he'd have to leave his current employer. So he is vested in his

pension, but the longer he stays, the bigger the pension is.

So we're just kind of trying to see, are we really sabotaging any hopes to what he'd like now

to be able to step back and retire at like 60? Are we sabotaging it by leaving his job prematurely before he's retirement age or with the

savings of being mortgage-free and living somewhere less expensive? Are we going to be able to,

you know, save more and kind of not necessarily make up for the difference, but keep those

plans to step back around 60? Okay. Well, let's think about this then. First of all,

how old are you? I am 45. And how old is he? He is 46. Okay. Your kids are how old?

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