Welcome to the Jill On Money Show. It is Thursday, October 17th, and we're here trying to help you make better, less bad, more considered financial decisions. If you have a question, just go to our website, jillonmoney.com. Click the contact us button, which is always in the upper right hand corner.

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It comes out every single Friday. Let's get to some of your emails. This is from Alexandra, who says,

I have $100,000 in savings, $55,000 in student loans, $45,000 in retirement. I don't want to keep

renting because rent is high, but home prices keep trending in the wrong direction. I would have hoped it could

have cooled by now, and I'm not sure what to do. How can I invest to the point where I can pay off

the student loans once and for all? Do I keep renting and looking? Alexandra, I know that this is a

tough one, but while you still have those student loans, I think what would

make a lot of sense would be to tackle them. I don't know what the interest rate is on those

loans, but my guess is they're not cheap. So I might take some of my money in savings, get a jump

on those student loans, pay some of it down. Maybe it's $25,000.

After all, if the loans are costing you six or seven percent, it's probably a lot more than

you're earning on interest in your savings account.

And as far as it comes to buying a house, yes, the market is crazy.

I wouldn't jump in right now.

I would really focus on paying down the debt

and continue to contribute to your retirement account. I hope that helps. I know it's probably

not exactly what you want to hear. This is from Esther who writes, I am new to your podcast and I've

really enjoyed your content. I'm hoping that you can give me some advice. I'm 67 years old. My wife is 66 and we're both retired.

I actually have been retired for 20 years from the military and 20 years of civil service.

I draw a combined pension, military and civil service of $70,000 net. I also get $29,000 in a military disability payment that's tax-free. We are both

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