Welcome to the Jill on Money Show. It's Wednesday, October 8th, and we are here trying to provide you with unconventional and entertaining insights on your money and your life. Okay, that's what we wrote like 15 years ago when we first started the Jill on Money Radio show, it still holds. It's still really good.

And we do love to talk to you about whatever's going on in your life. And we want to try to figure

out how you can get where you want to go with the resources you have. And it's really important

that you hear that, that you don't need to compare yourself to anybody else. We just care about you.

Don't get spooked by someone who comes on

these airwaves and says, I got tons of money, because it may not be at all relevant to you.

So if something's going on, you need assistance. Give us a holler. Go to jill onmoney.com.

Click the contact us button. Write us a note and make a detailed if you don't think you want to come on the air with us.

But if you do want to come on the air, check the box mark.

We'll do everything else.

Hey, while you're on the website, sign up for the free weekly newsletter.

It comes out every Friday, and it also automatically gets you our blog.

So that's kind of fun too.

Today, we're going to do some emails.

Let's start with a note from Dawn who writes, I'm a longtime listener. I respect and trust your

opinion. I'm retired. I live off pension and rental income and I have not yet have had to dip

into my investment accounts. They've grown steadily

throughout the year. My question is, when should I be harvesting my profits? How much money

should I take? Where should I invest it? I'm tempted to pay down my rental property. Hmm. Then she goes

on to write, I know paying off a low interest loan is not a smart move, but eliminating a mortgage does feel appealing.

If I had more cash on hand, I would consider a Roth conversion.

However, I do not want to spend my emergency fund.

...