Welcome to the Jill on Money Show. It's Thursday, December 11th. And we are here, like we are,

every single day of the work week, Monday through Friday, trying to help you make better or more

considered financial decisions. If there's something going on in your life and you need a little

bit of assistance or a new set of eyes and ears on a

situation, give us a holler, just go to jillonmoney.com, click the contact us button, write us a note. And if you want to join us on the air live,

even if you're shy, we can change your name. Just check the box. Mark will do everything else. While you're on the website, please sign up

for the free weekly newsletter that will also entitle you to my blog. We will not overwhelm you.

I don't write that much. I got a whole other job that I have to do. So do sign up for the free

weekly newsletter that will entitle you to the blog and you'll stay in touch with us, which is often

fun. Right now, let's talk to Linda from Atlanta.

Hi, Jill and Mark.

I am so glad that you guys had me on.

I sent you an email and I labeled the subject line,

is it too late to take our retirement savings out of the coffee can that we buried in the backyard?

Tell us more.

My fears are showing through.

So we've been married for 42 years.

We have three adult kids and were very frugal savers.

But we lost a lot of money in some aggressive retirement funds and in college 529s a few years back during that 2008 market crash.

We didn't listen to the advisor who said hang tight.

And so fast forward to today, we've been saving, saving, saving, but our money isn't really growing.

It's been sitting in very conservative accounts.

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