Welcome to the Jill on Money show.

It's Tuesday, March 3rd, and we are here answering your financial questions.

If you've got one, get in touch with us.

Just go to Jillonmoney.com, click the contact us button, write us a note with lots of detail,

and let us know if you'd like to come on the show by checking the box.

Now, we only need that detail if you're sort of one of those shy folks who doesn't want to come on the program.

Importantly, the most important piece of information that you can actually have at your fingertips or send us in advance of any conversation is an understanding of how much money you spend on a monthly basis.

I always think that's the universal piece of information that we need because without that,

it's really hard to do any sort of planning for anyone, for any goal. So whatever's going on,

get in touch with us. We'd love to help you out. Both Mark and I are certified financial planners. So we love doing this stuff and we love talking to you. See, I say this to Mark all the time. We come off the, we're off the air and I'll say, oh, like this show is so great. It's so much better than anything else I do all day long. And it is true. You guys, you save me from all the drudgery of all my other work. So thank you, thank you.

Today we are going to chat with Dean, who is in Colorado, in a role reversal where there is more

snow in New York City than in the Rockies. Incredible, Dean. So sorry for you guys and also sorry for us because it's been

pretty crazy winter. How are you today? I'm well. Thanks for having me on. Sure. What's

happening? How can we help you out? Well, I like your opinion on whether I'm on track for fine,

you know, financial independence, new endeavor in the next, say, four or five years. And then

specifically some options for a TIA account

that my wife has from an old job, what to do with it, whether an annuity makes sense, lots of questions,

and I'm sort of an analysis paralysis about it. Oh, man. You got you got a spreadsheet rocking,

and then all of a sudden you're like, wait, I don't know what I want to do so let's start with easy information Dean how old are you I am 51 and how old is your wife

46 and you're both working full time my wife works full time I work part time how much do you earn

part time I earn about 100,000 part timetime. And what about your wife full-time?

300. Okay. You have kids? No kids. Oh, much easier planning. And how are you living on 400 grand a year

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