Welcome to the Jill on Money Show. It is Sunday, February 12th, also known as Superbowl Sunday.

And I'm very much excited for this Superbowl. I think two great teams, probably the best

teams that deserve to win are in it and that's always fun. But the reality is, you know,

it's a whole spectacle. So I'll look forward to the halftime show, but I'm mostly looking forward

to seeing what the play on the field is going to be. So it's totally fun for me.

But before you get to the big game, how about if we get to one of you, a listener who's got a

financial question, it's Laurie who's on the line from Connecticut. Hi Jill. Well, I think I'm in

pretty good shape, but I'm just looking for a little bit more fine-tuning and expert advice.

I hope to retire in a couple of years from a municipal government job. I have about

$44,000 in my, I have it in a Vanguard target retirement. I have about another 100,000 in mutual funds.

And about 20,000 in liquid emergency cash. I will have a pension. Nice. What will the pension

amount be? If I can make it the next two years, that's the goal. Probably about 70,000.

That's great. 70,000. Yeah, I've been doing this for a long time. My God. Well, thank you for your

service. Thank you. And do you have a job where you would not receive Social Security? No, I will

have that as well. And what will that be going on? I've just been sort of looking at it and I think

with two more years left, somewhere maybe between 28 and 30,000 a year. Okay, that's great.

If you look at that combined income, let's call it about 100,000 pre-tax, what would that mean

for you? Would that be enough to cover your needs? I think so. My biggest concern is they still

owe about 96,000 on my home. And I don't know if it's a mental thing. I would love to have that

paid off. Oh my God, we do such numbers on ourselves. How much is the house or condo worth?

It's probably worth about 275. What's the interest rate on the 96?

No, it's a 3.5. I had refinanced. Gosh, I'm going to say six to seven years ago to a 15-year rate.

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