Welcome to the Jill on Money podcast. It is Sunday, October 10th. And we are trying to help

you navigate your financial journey. And we do that with a little bit of common sense

and a very good dose of humor. Sometimes Mark, I listen to the podcast and I'm walking

the dogs and actually laugh out loud. I do. I think that sometimes I think that we are

rather humorous. Maybe you guys don't. But I get a tickle out of it. You know, my girlfriend

said to me, don't you get sick of hearing your own voice? I said, no, I think Mark does.

But I don't. And I think she does. Oh gosh. Anyway, send us your notes. Go to JillOnMoney.com.

JillOnMoney.com is our website book market. Come on. You can always go back there and hit

that contact button. And when anything comes up, today we are joined by listener Lisa.

She is on the line from Minneapolis. Hi, Lisa. How can we help you out?

Well, I was when Mark contacted me and said that I could get your advice. I was thinking,

what's the best visual image to describe our current financial situation?

Okay. And I came upon the imagery of we are treading water.

Wait a minute. You don't sound like that. Yes. But the good news is that we're not sinking.

But for nowhere, we're nowhere near floating leisurely on our back.

All right. Well, okay. So treading water is okay. It does take quite a bit of energy, though.

So if, as I recall, from my, you know, lifeguard rescue class, so tell me about you and what's

going on. And maybe your head is a bit more above water than just treading.

Yes. Well, my husband and I are in our late 50s. And we have, our nest egg is all in our IRAs

that are held at Vanguard. And then we have, you know, our 401K. And I get a set by our

IRA at my office. Okay. And approximately, I'll say 700,000 in the Vanguard IRA. And we're

the type that just set it and forget it. We don't look at the market. We don't worry about it.

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