Rebecca from California

Hey, thank you so much for having me. I appreciate it. Absolutely. How can we help? Well, I got started with you guys late. I am debt free now with the exception of my mortgage. Oh, great. But I didn't start investing until about age 55. I'm 58 and a half now. I fully maxed out my Roth as much as I can. I have another mutual fund investment that I put my 15% in every month.

Hey, thank you so much for having me. I appreciate it. Absolutely. How can we help? Well, I got started with you guys late. I am debt free now with the exception of my mortgage. Oh, great. But I didn't start investing until about age 55. I'm 58 and a half now. I fully maxed out my Roth as much as I can. I have another mutual fund investment that I put my 15% in every month.

But what I have is years ago, I got into an annuity and I had about $27,000 sitting there. I stopped contributing to that and started contributing more to my mutuals and the Roth and everything. My question is, if I pull it out early, so basically a year early, there's a 10% penalty on that.

But what I have is years ago, I got into an annuity and I had about $27,000 sitting there. I stopped contributing to that and started contributing more to my mutuals and the Roth and everything. My question is, if I pull it out early, so basically a year early, there's a 10% penalty on that.

But what I have is years ago, I got into an annuity and I had about $27,000 sitting there. I stopped contributing to that and started contributing more to my mutuals and the Roth and everything. My question is, if I pull it out early, so basically a year early, there's a 10% penalty on that.

Would it be valuable for me to just pull that out now, roll that into my mutual funds, or should I wait for a year and then pull it out when I hit that 59 and a half?

Would it be valuable for me to just pull that out now, roll that into my mutual funds, or should I wait for a year and then pull it out when I hit that 59 and a half?

Would it be valuable for me to just pull that out now, roll that into my mutual funds, or should I wait for a year and then pull it out when I hit that 59 and a half?

I have about $27,000 in there, so it's about $2,700.

I have about $27,000 in there, so it's about $2,700.

I have about $27,000 in there, so it's about $2,700.

It's nothing. I'm not putting anything into it or anything at all. It's just sitting there.

It's nothing. I'm not putting anything into it or anything at all. It's just sitting there.

It's nothing. I'm not putting anything into it or anything at all. It's just sitting there.

Like a variable or a fixed? I got to be honest. I believe so. It's been sitting there. It's not earning anything at all.

Like a variable or a fixed? I got to be honest. I believe so. It's been sitting there. It's not earning anything at all.

Like a variable or a fixed? I got to be honest. I believe so. It's been sitting there. It's not earning anything at all.

Um, you know, I, I, I would probably, you know, I would love to retire at 65, but I'm also with the mindset that if I'm still doing good and enjoying what I do, I'm just going to keep going. So.

Um, you know, I, I, I would probably, you know, I would love to retire at 65, but I'm also with the mindset that if I'm still doing good and enjoying what I do, I'm just going to keep going. So.

Um, you know, I, I, I would probably, you know, I would love to retire at 65, but I'm also with the mindset that if I'm still doing good and enjoying what I do, I'm just going to keep going. So.