Welcome to the Jill on Money Show. It's Tuesday, January 9th, and we are here trying to help you make better financial decisions or get on the right track or maybe just have permission to do the things you really want to do. That's kind of our goal here. We want to make sure that you are trying to accomplish something, maybe with the

least amount of risk, but maybe you want to do something a little risky. That's okay, too.

We just want to make sure that you don't blow up your life on the way to doing something risky,

you know? And if we can help you achieve some goals, maybe have a little bit more peace of mind,

sleep a little better.

Boy, that would be such a nice thing.

And all you need to do is go to our website, jillonmoney.com.

Click the contact us button.

And of course, let us know if you would be willing to come on the air with us, either via audio or video.

And when I say video, do check out our YouTube show, Jill on Money, powered by the

compound. We post new episodes on Saturdays. So that is so much fun. All right, let's get

into this. Today, we are on the line with Sarah from New York. Hello, Sarah from New York. Isn't

New York really the best place in the world? We're so proud of our New York. It's not dying, is it? It seems very alive to me. Hi, Jill. Hi, Mark. Thank you so much for having me

on the show. I'm just a huge fan. Excellent. Excellent. So tell us what's going on. Why'd you reach out to us?

Well, you talk a lot about the importance of Roth savings, but I actually wondered when it might not make sense to convert your money to a Roth.

Okay. Tell us, I'm presuming you're not calling for quote unquote a friend. So tell us about you and what's going on and we can determine whether or not a conversion makes sense. So first of all,

Sarah, how old do you? I am 65 and my husband is also 65. Okay. And you're both working full time?

He retired this year. I am working full time thinking of retiring at the end of this year, maybe

another year. Okay. Very good. Does he receive any pension or is,

or any other income from his employment? He does not, but he worked for the state as a public

defender for many years and he'll get, we'll get some great health insurance when we both

finally do retire.

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