Welcome to the Jill on Money Show. It is Sunday, May 14th. Happy Mother's Day, everybody.

Happy Mother's Day to my mother, who is a wonderful mother. And I'm looking forward to seeing

her later today. And I hope that for all of you who are mothers or you are dog mothers

or you are great wonderful aunties and new stand-in to mothers, I am just wishing you

all the best. What a great day to celebrate that. An unsung hero job being a mother. I'll tell you.

So if you've got a mother in your life, you're so lucky. And if you don't have, it's just like

your first time without your mother. I'm so sorry. It's so hard. My mother-in-law, this is our first

mother's day without my mother-in-law. And I know it's like a little bit weightier for Jackie.

So anyway, if you've lost somebody and that's a big thing and you know these these days, these

holidays, these for this first, you know, marking of these milestones. Very difficult. And we're sending

you lots of hugs from us here at Jill on Money. Meanwhile, we've got to get back to taking care of you.

And the way we do that is we encourage you to ask us questions. Go to our website, JillOnMoney.com.

Click the contact us button. Let us know if you would be willing to come on the air. That's what Margaret

did. Margaret's on the line from the Midwest. Margaret, welcome to Jill on Money. How are you?

I'm good. I'm good. I'm happy to be here. I'm excited. You wrote in and I will just say that when

I first read your, I read your email and my heart sank. So you can tell us a little bit about your

story and then we'll get to your financial matters at hand. Sure. My husband passed away six year

battle with cancer. He was an amazing man. I will say that he did a lot of our long-term planning,

financial planning and I did a lot of our sort of annual or monthly or annual budgeting.

So I was involved in the finances but I was not involved in long-term planning. I regret that

decision. When we saw where things were going with him, I really started to take a concerted

effort to learn about long-term planning, retirement planning, financial planning. And so it's been

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