Welcome to the Jill on Money Show.

It's Friday, May 1st, and we are here trying to help you navigate your financial journey.

Sometimes I've said that Mark and I are like ways for your financial life.

You're in one place.

You want to get to the next place. You want to know what are

the different routes to get there. Let me talk to Jill and Mark. They're certified financial

planners. They're not selling stuff except for their subscription service and maybe a book here and

there. But we'll do that for you. We will give you the different roots. Sometimes in your life,

you say, I don't care if it takes me longer to get there. I want the prettier route. Other times, you're like, oh, no, I want to get there as quickly as possible. And it could be all highway, super highway, in fact, whatever's going on for you, Mark and I would love to lay out the options. There are always different ways to get where you want to go. Oh, by the way, you know what we don't talk about? What got you, like where you were five years ago. It does not matter. You are where you are right now. We're getting you where you want to go next. No reason to go back and start, you know, saying, oh, I should have done this or should have done that. Doesn't matter. Wherever you are now is important and where you'd like to go. Our job is to help you figure out what's available and how you can get there. You like the sound of that. Go to our website, jillunmoney.com. Click the contact us button. Write us a note. If you'd like to come on the air live, check the box. Mark will do everything else. And don't forget while you're on the website, subscribe to our free weekly newsletter. It comes out today, Friday. It will also entitle you to our blog, which I usually pop out there. I don't know, like by Monday-ish. Although, Mark, I don't know if I'm going to hold to that schedule. Maybe I'll do Tuesdays in the future. We'll see. And you can check up my book, The Great Money Reset, Resources, Videos, lots of stuff there right on the JillOnMoney.com website. Today, we are joined by Kay from California. So I feel like it should be like a K from California with a K, but no,

it's just K from California. Hi, Kay. How are you? I'm good. How are you, Jill? Good. What's happening?

Well, I'm calling because I hear you all talk about Roth all the time and that everybody is all in on

Roth. And I am still making contributions in my

pre-tax account to help bring down my AGI when I do taxes every year. I'm kind of on the

cusp. And that's brought me into the lower tax bracket. And I think that because I have a

pension when I retire, I'm going to be in a lower tax bracket for a few years anyway than I am when I'm working.

And so I just want to make sure I understand what I should be doing now, but also as future promotions and salary increases, I think will come my way.

I will bump into a higher tax bracket. I can't, you know. Wait, I mean, look, would it be so bad? No, these are good money. Come on now. All right. So, Kay, tell us a little bit about yourself. First of all, how old are you, Kay? I'm 50. Are you married, single, partnered? Single. Okay. Kids, no kids. No kids.

Pets? One very cute dog. See? See how I was, I had the pause was, of course she had a pet. I knew it.

Kay, how much are you earning right now? About 225. Okay, you live in a high tax state. So I know that that's part of the issue.

When you live in a place like California or New York, it is very much that like, oh, boy, 225.

I'm bumping into the 32% bracket. Maybe I'd like to pull that back. It'll save me some money.

But as you said, you know, you have a long,

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