Welcome to the Jill on Money Show. It's Tuesday, January 25th, and we are here to try to help you make the next best decision in your financial life. Doesn't have to be the best. You don't have to go back and correct everything that happened in the past. What's next for you?

We are focused on the future.

And that is why we encourage you to ask us your questions.

No scolding, no judgments.

I mean, judgment's not of you, but sometimes of other people.

Mark, was I too hard yesterday when I was the heat miser on our caller skips advisor?

Really? You thought I came? I just, I have this reaction when I hear that people have gotten

advice that's, it's not like the worst advice in the world. It's just not the best advice.

You know the difference, right? Like there are times you get advice about something. You say, oh, it's not going to hurt you. It's not what

I would have liked. That's fine. I don't know. It just kind of bums me out sometimes because I feel like

in a business of sort of financial professionals in general, what bums me out is that like, I just

cannot bear the idea that there are some

folks out there who can't quite see that they are so self-interested that they're not

giving the best advice, you know? So that's what I got bummed out. Anyway, if you miss that episode,

go listen to it because today it's, we're starting brand new.

It's a, it's a fresh day, Mark. I'm in a much better mood today, even though we're recording it on the exact same day. Let's move on, darn it. If you've got a financial question, go to jillonmoney.com. Click the contact button. We'll get your note. Today we're talking to John. John is on the line from Florida. and John was complaining to us that it was too cold.

It was like 60.

And so, you know, talking to John. John is on the line from Florida, and John was complaining to us that it was too

cold. It was like 60. And so, you know, after Mark and I have been contending with wind chills of

minus something or other, we don't have a lot of compassion, John. So welcome to the program and enjoy

60 because 80s are just around the corner, isn't it? Yeah, I think, oh, actually,

we have another cold front coming up in the next couple days. So maybe like- Do people get

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