Jeannie

Jackie told the vice principal in 1982

But here she is.

We have been talking nonstop since 1-11. Well, that's why I thought if I got here now, you'd be all talked in.

What happened to you, though, with Walker?

80 to 82. 79-ish to 82. And a little earlier. Yeah, we have like, we have 17 names.

I took the red eye Sunday night.

That's specific.

Hi. Hi. Hi. Thank you so much for taking my call, guys. You bet. So my husband and I have 40 years of life invested with one another, but our interests are starting to diverge on how we imagine our retirement. We live in the south, as you said, Mobile, and summers are cruel and they're brutal. My view is that I'd like to relocate to a more moderate climate where there's more senior activities.

But this requires us to sell our home and more than likely move to a much higher cost of living. The problem, which is not really a problem, is that we have eight in our family. We have four dogs and three cats and a husband. So I can't move.

Oh. I'd like to do that, but I'll tell you what. That's my husband's favorite, too.

We do. And so a townhome and a condo is out of the question. My dear husband, he wants to age in place. We have a nice home. And he wants to travel maybe the three months out of the year, go and find a nice Airbnb. Airbnb. My concern is how viable each of these will be with our finances. What's your nest egg? Pardon me? Our nest egg is, so we have about $800,000 in investments.

We have a military pension of $6,300 per month. We have a VA amount that comes into $2,400 a month. We have a government pension that comes in at $700 a month. Wow. And without taking our Social Security, if we wait until we're 67, 70, we'll have about $4,000 to $5,000 per month adding on top of that.

A little bit like $11,000 or $12,000, yeah.

No, but we're not we're not yet retired. So my husband is still working. And so he's bringing money in that we're setting aside three K every month on top of that. How old are you? And I'm 61.

Work is fulfilling for him. So we're thinking 67.

What it means for me is that he's more of a homebody, and I'm okay if I can take off maybe a month of the summer and maybe go do a little traveling. On your own? Yes, on my own. I'm used to that. He was a flyboy at one time, and he's traveled all over the place, and so he's not necessarily interested in doing too much traveling. I think he wants to find a place and just chill out.

Yeah, absolutely. I think we do have a little bit. We do have a little bit of a debt. I have zero debt in the sense of the only the debt I have is mortgage. OK. And our mortgage. How much do you owe? Well, I owe about two hundred and twenty five.

Hi, Dave and Jade. How are you?

I just need a little bit of encouragement and some clarification on something I heard you say a couple of days ago or weeks ago. I can't remember. I am baby step three. I am struggling with getting rid of that last credit card because I want to buy a house next year, and I do want to do the manual underwriting.

But you mentioned something about having a credit card, even if you're not using it, is more damaging than not having it. I want my score to be indeterminable, but can that happen if I have a credit card still open on it?

Just tell me to cut it up. Cut it up.

Anything?

Okay. I'm already in touch with Churchill, so we're going through stuff, but I couldn't understand how you explained it before the other day, and I just wanted some...

I think the nerves are coming from just having that cushion or thinking I have a cushion. And I don't want to think that, but I just I'm struggling with myself. It's just a battle.

Don't leave home without it. And I'm 53, so I just started this in January. I'm just like, you know, that stuff has been drilled in me a long time. And you're single. I'm just trying.

Oh, my gosh. Okay, I'm going to do it, y'all.