KT

She made me measure myself.

So Dorothy wrote, Dear Susie, when you say not to invest in the stock market with money you will need in five years...

Do you mean from the time you start investing or until the time you feel you might actually need it?

Such a cute question.

And then she said, there is about $750,000 in retirement accounts plus 200,000 in CDs.

Our house is paid off and we have no debt.

our social security combined will be over 6,000 per month.

And currently we spend about 5,000 per month.

Thank you for clarifying.

Okay, this next email is from Victoria.

She said, my husband wants to buy shares of stock in his employer's company.

It's a fintech company that is not publicly traded.

Now the company's been around for six years.

We have already loaned his company $50,000 at 8% interest, which I am told is now being converted to stock.

He wants to invest $100,000 more.

The company is still in the red.

Victoria said, Susie, I think this is a bad idea, but I don't know anything about this sort of thing.

Please help.

This is a tough one.

All right.