Welcome to the Jill on Money show.

It is Monday, November 17th.

And we are here trying to help you make better and sometimes just less bad financial decisions.

And the way we do that is we actually ask you to do a tiny bit of work.

Go to our website, jillunmoney.com, click the contact us button, write us a note.

If you don't think you want to join us live, give us a lot of detail.

And one piece of information that we always ask about that I think sometimes people forget

to put in their question.

If it's some sort of planning question, don't forget to tell us how much money you're spending

every month. That's a biggie. Only you can tell us that one. So give us a lot of detail.

If you don't want to come on live with us, if you do want to come on live, you can go a little

bit lighter on the detail. Just give us the general sense of what's going on, and you check the box, and Mark does

everything else because he's just that way. He's the best. All right. Now, today, we are joined

by Eric in New Jersey, the Garden State. Eric, of course, being very close friends with Bruce Springsteen and able to communicate

everything important about the Garden State.

So how are you, Eric?

I am very well, Jill.

Thank you for having me today.

Of course.

What's going on?

How can we help you?

So for me, I have a couple of questions, and they're a little disparate.

...