Welcome to the Jill on Money Show. It's Friday, December 12th, and we are here fielding those

questions that you may have about your financial life. But of course, as you know, if you've

listened to this program for the last umpteen days, months, years, you know it's really about

you and your lives and how you can

better deploy the money you have saved or what you hope to save to achieve to achieve. So if you

need some guidance in doing that, just go to our website, Jill onmoney.com, click the contact us

button, write us a note. And if you want to come

on the air live, just check the box. Mark will do everything else because he is the best.

Hey, while you're on the website, check out our subscription service. It's called Jill on Money Live.

That is where you have access to quarterly live webinars, the back catalog of those webinars.

Bonus audio and video content.

It's all for $45 for the next 12 months.

And our most recent webinar was a doozy.

It was year-end tax and financial planning.

You only have a few weeks to really execute some of the ideas we discussed in that

webinar, and you'll be able to watch it if you join Jill on Money Live right now.

Okay, back to you.

Let's talk to Marla, who joins us from Florida.

So, as I had previously shared, I've been a listener for a long time, and you hadn't

made a comment to another listener at one point in time who had said they were in such

financial strife and they felt silly reaching out to you. And your response to them was,

it's better to have the conversation than to ignore it. So I'm in that position now. So I thought,

...