Welcome to the Jill on Money Show. It's Wednesday, November 12th, and we are here trying to help you make better. Sometimes it's just less bad or less emotional decisions about your financial life. Now, if something is going on, whether it's really good, really bad, or you just want to see or you're on track to reach a specific goal, get in touch with us. Go to our website, jillunmoney.com. Click the contact us button. And when you do that, a form will pop up. That's the email that we receive. And if you are shy, you don't think you're going to be able to join us on the air live, give us a lot

of detail because, you know, I don't get to ask those nosy follow-up questions. Otherwise, check the box if you'd like to join us live. Mark will do everything else. He'll arrange to get you on the air. And sometimes, like today, when I'm late and I mess things up for him, he curses me, but it really, it's always Mark, who's doing all the hard work. I'm messing up the schedule. So Mark, I apologize for that. Now, that said, today we are going to talk to Anne, who joins us from upstate New York. Hello, Ann, how are you? Hi, Jill. Thanks so much for taking my call today. I've really been looking

forward to it. Amazing. What's going on? How can we help you out? Well, let's see. So I have

a little bit of the perfect storm, maybe in a good way. I'm 61 years old. I'm a federal employee.

I'm eligible to retire, but I'm planning on working through till maybe 6870.

And I have two kids in high school, so we're saving for college.

Okay, wait a second.

Wait, I have a question for you. So are you furloughed right now?

Are you, what's going on for you? I am accepted, so I'm working without pay.

Okay. Um, that stinks, right? Yeah, yeah, I just got the, the second full paycheck with the zeros straight down the line.

Oh, yeah, yeah. What a nightmare.

Okay, so you're 61, you're a federal employee.

You want to keep working until you're 68.

And are you married?

Yes, I'm married.

Okay.

And does your spouse work?

He works part-time.

He probably pulls in about $10,000 a year.

Okay, and is he entitled to any pension or anything like that?

He is getting a small pension now.

It just started a few months ago. And I think it's, I think it's a thousand after

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