Welcome to the Jill On Money Show. It's Friday, November 15th, and we are here trying to help you make better, less bad, more considered, financial decisions. If something's going on in your life, all you need to do is go to our website, jillonmoney.com. Click the contact us button and let us know if you would like to come on the air by

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on Money powered by the compound. Today we're going to answer some emails. This first one is

Dacia, whose subject is $800,000 in a single company stock too much?

Answer, yes. Okay, let's hear about this. Dacia says, my husband has worked for a company for over 25 years and has accumulated almost $800,000 in a profit sharing trust.

The company has just recently introduced the ability

for employees to diversify, and we are discussing the idea of putting half of that money

into small and large cap equity index funds. Your thought, given the fact that my husband

would like to retire in four to five years.

Oh, God, I'm so into this idea. And I'm not sure why you'd stop at 400. You're going to have to pay taxes. That's going to be painful. I understand that. However, I'd love for you to make sure

that you get this money diversified. You are only four or five years away. If the worst,

I don't know how much you guys make together. If the worst case is that you're paying 23.8%

on the gains of this, so be it. It is so scary to me to have all of that money in one single

stock. And I'd also love to hear more about

you, Dacia, in terms of like, well, how much money do you make? What do you need? What other money

have you saved? This is all part of the process. So get back in touch with us. But yeah,

diversification. Thank you very much. I would love that. I really would. This next question is from Chris, who writes, stay the course with pension or go private for big bucks. I like that question. So this is a dilemma that Chris has and says, I have 20 years into a pension plan and making good money, about $180,000 a year.

But the idea of going private and making great money, $250,000 to $300,000 a year and foregoing

the years of service in the pension is out there.

Well, Chris, this might be tantalizing, but I don't know if it's going to work.

I really would love to know what is the pension benefit right now?

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