Welcome to the Jill on Money Show. It's Monday, January 5th. And yes, for many of us, that Monday after the holiday break, it's a tough one. Let's be honest. You know, it's like, oh, no, back into the swing of everything. The good news is there are some holidays that come up early in the first couple of months.

You get little Martin Luther King Day.

They get that off, which is good.

When markets are closed, I'm happy.

Presidents' Day.

All this is good.

But what also may have happened is that during the holidays, you may have been having some

time to think about what's important to you. And maybe those thoughts need to be translated into

some action. So if that's what you're feeling, if you're like, oh, man, I got to figure out what

happens next for me. I want to buy a house or, you know, I want to do

something different. Or I know that my kids, college education is really important, but I don't

know. I don't know if I want to like work till I'm 70 to pay for their college. Whatever it is

that's going on in your financial life, get in touch with us. Go to gonMoney.com, click the contact us button, write us a note, and let us know if you want to come on the air by checking the box. Don't forget while you're on the website to sign up for the free weekly newsletter, which entitles you to our blog as well. All right, right now, let's start the new year. Strong footing here. We've got Amy

who joins us from Iowa. Hi, Amy. How are you? Hi, Jill. I am great. I want to thank you guys

for taking my call. Of course. What are we going to do for you? What's going on? So I have a couple

questions. I'd like to run by you. First, I want to see if I am able to retire in about a year and a half.

And then my work, I have a pension, and I can take it as a lump sum or annuity.

So I just would like to get your opinion on what would be the better option.

Okay, Amy, how old are you?

I am 58.

Oh, all right.

And is there something magic about one and a half years?

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