Welcome to the Jill on Money Podcast. It is Wednesday, October 7th.

All right, there's so much going on in the universe. It almost seems mundane for me to say this, but I'm really

excited to read the Federal Reserve's minutes from their last meeting. Okay, I'm not really

excited, but I will do that, I promise. More importantly, I'm not really excited, but I will do that, I promise.

More importantly, I want to hear from you guys.

We want to help you.

We, Mark and I, want to help you,

try to do the smartest things with your money in your personal

financial life not just for the end of this year but for a long time going forward so how can we help you out only if you can send us an email

ask Jill at Jill on money.com ask Jill at Jill on money.com. That's what Linda did she is calling from Minnesota. Linda

welcome to the show. What can we do for you? Well I find myself at 64 years of age unemployed.

Not completely surprised by that, but I thought maybe I could hang on another year,

but it didn't happen.

So the question is, do I use my IRA funds and let my Social Security pay out grow?

Or do I collect my Social Security at 66 I'd wait till 66 at least probably

to do that and so yeah which is a better way to go take that guaranteed Social Security

increase every year or

Tell me a little bit about the money that you have you've got you said you've got some

money in retirement to how much is there and what portion is tax deferred and what's post tax what's going on for you I've got in a

traditional IRA I've got a little over 900,000 okay and in my Roth I've got about

325 327 something like that.

Okay, great. And how about money outside of those accounts, Linda?

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