Welcome to the Jill on Money Podcast. It is Tuesday, October 6th and you know what? We are

rolling up our sleeves and getting busy answering your questions.

If you've got something on your mind about your financial life, all you need to do is send us an email. Very easy. Ask Jill at Jill on money.

Ask Jill at Jill on money.com or if you're on the website or if you're on the website

click the contact button. It's in the upper right corner and let us know what's up

how we can help you out and of course if you have a pet of any kind send us a photo you might be actually added to the furry fan club.

All right Michael writes I am a first time listener to your show and I really like it.

Hey, how awesome is that?

Did you happen to see what his email address is, Mark?

It's hysterical.

He seems to be a football fan.

That's all I can say. Michael writes, I'm currently 54 and I'm

looking to retire in four to five years. I have worked for a good company for the last

24 years. My wife is 51 and she has a long-term illness,

MS. Oh no I hate that's terrible. This started over 15 years ago. She has collected Social Security disability since 2018,

and I am her primary caregiver. We are debt free. We own our home. It's worth $220,000 and our car we have no credit card

debt or anything else just basic expenses of about 5,000 dollars a month I make

175,000 dollars my wife's Social Security disability, 28,000. This is just, I mean I

always feel like my heart sinks around this kind of a diagnosis because it's just it's so awful.

Listen to this email. His wife is 51. She was diagnosed with this out of the blue 15 years ago

so this is not to say you should live your life as if you're going to get diagnosed with a bad disease, but you never know.

So that's one of the reasons why we do try to tell you as early as you can in your work life, in your financial life to manage things as if you were going to

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