MoneyWatch with Jill Schlesinger
Episodes
What to Do With Home Sale Proceeds?
05 Jul 2022
Contributed by Lukas
With $100,000 on the horizon thanks to a recent home sale, what should I do with the proceeds? Invest, keep in cash, something else? Have a money que...
How to Handle Military Signing Bonus
30 Jun 2022
Contributed by Lukas
We're both joining the military and we'll each receive a signing bonus of $100,000. What should we do with the money? Have a money question? Email us,...
Am I Financially on Track?
28 Jun 2022
Contributed by Lukas
As a 35 year old woman living in Austin and working in tech, I'd love to know if I'm financially on track for retirement, and what I should do with...
Prioritizing Our Financial Goals
23 Jun 2022
Contributed by Lukas
With a little extra cash flow, and some debt, how should we be prioritizing our financial goals for the future? Have a money question? Email us, ask j...
Checked Many Boxes, What to Do Next?
21 Jun 2022
Contributed by Lukas
I've checked a lot of boxes on my financial journey, but I feel like there's still some work to do, so I'm wondering what my next steps should be? Hav...
Help, IRA Mayhem!!!
16 Jun 2022
Contributed by Lukas
We love the Roth IRA, but we're on the verge of being phased out, what are our options? Have a money question? Email us, ask jill [at] jill on money ...
How to Invest Some Extra Cash Flow
14 Jun 2022
Contributed by Lukas
We're finally in a position to start investing some extra cash flow but we're not sure what's the best option for us. Have a money question? Email us...
My Relationship With Money
09 Jun 2022
Contributed by Lukas
For a variety of reasons I have what I feel is an unhealthy relationship with money. How are we doing? Can I relax a little and enjoy our money a bit?...
Help With Consolidating Our Finances
07 Jun 2022
Contributed by Lukas
I feel like we're in pretty good shape with our assets, but I also feel like we have way too many accounts. Should we start consolidating? Have a mon...
How Much Should I Spend on My First Home?
02 Jun 2022
Contributed by Lukas
As a 28-year-old, single guy, I'm thinking of taking the plunge and purchasing my first piece of real estate. Should I do it, and if so, how much shou...
Can We Afford to Buy a Home?
31 May 2022
Contributed by Lukas
With little-to-no faith that our financial situation will improve significantly within the next five years, is it silly for us to consider a house pur...
Ukrainian Sandwich Situation
26 May 2022
Contributed by Lukas
Due to the war in Ukraine, we now find ourselves caring for a family member. I'm having trouble wrapping my head around how to prepare for this unexpe...
Are We on Track to Retire at 65?
24 May 2022
Contributed by Lukas
Are we are on track to retire at age 65? With two pensions coming our way, should be be saving more for retirement? Have a money question? Email us, a...
Bigger House or Financial Flexibility?
19 May 2022
Contributed by Lukas
With some extra cash flow on the horizon, should we look into buying a bigger house, or stockpile the cash for some financial flexibility down the roa...
The 90 Day Plan
17 May 2022
Contributed by Lukas
Is it crazy to contemplate a new career at 42? Or should I keep my head down and keep doing what I'm doing? Have a money question? Email us, ask jill ...
Do We Have Enough Saved for Retirement?
12 May 2022
Contributed by Lukas
In our 40s with two kids and two pensions coming our way, yet I'm worried we don't have enough saved for retirement. Will we be okay? Have a money que...
Brokerage or ESPP?
10 May 2022
Contributed by Lukas
With an extra $1,200 or so each month, where should it be going? Into a brokerage account or into my employee stock purchase plan? Have a money questi...
Did I Make a Bad Investment?
05 May 2022
Contributed by Lukas
I'm still bothered by an investment I made over a year ago, can you help me get over it? Have a money question? Email us, ask jill [at] jill on money...
Can I Call It Quits at 38?
03 May 2022
Contributed by Lukas
We're in our 30s and after saving and saving and saving, is our financial position solid enough to do something less demanding? Have a money question?...
Not Early Retirement, but Optionality
28 Apr 2022
Contributed by Lukas
With my wife and I in our early 30s, what can we be doing now to structure our investments to fund a more flexible future? Have a money question? Emai...
Can Money Really Buy Happiness?
26 Apr 2022
Contributed by Lukas
Can more money really buy happiness? Well, one thing's for sure, doubling your salary can only make things easier. Have a money question? Email us, ...
Balancing Retirement and Student Loans
21 Apr 2022
Contributed by Lukas
What's the right balance when factoring in both retirement savings and trying to pay off student loan debt? Have a money question? Email us, ask jill...
Wife and Hubby Need a Checkup
19 Apr 2022
Contributed by Lukas
We think we're doing a good job planning for the future, but wanted to touch base to see if we are indeed on the right path. Have a money question? E...
Am I Making a Mistake?
14 Apr 2022
Contributed by Lukas
Are we making a mistake by placing our entire bond position in our tax-deferred 401(k)? Have a money question? Email us, ask jill [at] jill on money d...
Worried About Mom and Dad
12 Apr 2022
Contributed by Lukas
With not a ton of money saved, are there other options for my parents to consider as they head into retirement? Have a money question? Email us, ask j...
Too Many Goals?
07 Apr 2022
Contributed by Lukas
When it comes to our various financial goals, are we being too conservative or are we being prudent? Have a money question? Email us, ask jill [at] j...
Tidying Up Your Finances
05 Apr 2022
Contributed by Lukas
I joined CBS Mornings to provide some "spring cleaning" advice for tidying up your finances, including advice for people who still need to do their ta...
Line of Credit or Personal Loan?
31 Mar 2022
Contributed by Lukas
If a line of credit isn't an option, is there something else I can consider for financing a small remodel job? Have a money question? Email us, ask ...
Stretched Too Thin for House Remodel?
29 Mar 2022
Contributed by Lukas
Would we be stretching ourselves too thin by remodeling our dream house? Have a money question? Email us, ask jill [at] jill on money dot com ...
On the Fence About Going Roth
24 Mar 2022
Contributed by Lukas
I keep hearing about the advantages of using a Roth account, but given our current tax bracket, I'm not convinced it's best for us. Have a money que...
Will We Be Able to Afford College?
22 Mar 2022
Contributed by Lukas
After crunching the numbers, I'm starting to worry if we'll be able to fully fund college for our two kids. Any suggestions? Have a money question? E...
How to Stash House Sale Proceeds
17 Mar 2022
Contributed by Lukas
After making $75k from the sale of a home, what should we be doing with the money? Brokerage account? 529 account? Have a money question? Email us, as...
Financial Planning With More Wiggle Room
15 Mar 2022
Contributed by Lukas
With a lot more wiggle room thanks to some recent bumps in pay, what should our financial planning priorities be? Have a money question? Email us, as...
Basic Rules for Investing Success
10 Mar 2022
Contributed by Lukas
I recently joined CBS Mornings to discuss the basic rules for investing. We covered the different types of accounts that are available including emplo...
What to Do With Excess Savings?
08 Mar 2022
Contributed by Lukas
With more money than needed sitting in cash, how do I go about investing the excess? Have a money question? Email us, ask jill [at] jill on money dot...
How to Prioritize Our Money
03 Mar 2022
Contributed by Lukas
When it comes to our savings account, our retirement accounts at work, and our brokerage account, how should we be prioritizing them? Have a money que...
Should I Leave My Job?
01 Mar 2022
Contributed by Lukas
With the job market on fire, and realizing that I'm being underpaid, should I be looking to make a change? Have a money question? Email us, ask jill ...
What to Do With $50k in Cash?
24 Feb 2022
Contributed by Lukas
With $50k coming your way, and some big life changes on the horizon, what should you do with the cash? Have a money question? Email us, ask jill [at] ...
How to Talk to Your Partner About Money
22 Feb 2022
Contributed by Lukas
Today we're sharing advice on how to talk about money with your loved ones. We'll discuss how to make sure you're on the same page as your partner fin...
What to Do With Extra Income?
17 Feb 2022
Contributed by Lukas
With our income about to go way up, what should we be doing with the extra cash flow? Have a money question? Email us, ask jill [at] jill on money dot...
Is Now a Good Time to Rebalance?
15 Feb 2022
Contributed by Lukas
With the 2022 Wall Street roller coaster off to a wild start, is now a good time to rebalance? Have a money question? Email us, ask jill [at] jill on ...
Should I Contribute to a Non-Deductible IRA?
10 Feb 2022
Contributed by Lukas
With no retirement plan available through work, should I make a non-deductible IRA contribution or use a brokerage account? Have a money question? E...
Roth or Traditional 403(b)?
08 Feb 2022
Contributed by Lukas
With my income right on the Roth IRA limit, should I do pre-tax in the workplace retirement plan to bring my income down, or just go ahead and do all ...
Dreaming of Our Next Property
03 Feb 2022
Contributed by Lukas
If things are good right now, is there any reason we should be dreaming about buying another property? Have a money question? Email us, ask jill [at] ...
In Our 20s and Needing Advice!
01 Feb 2022
Contributed by Lukas
27 and 25 with decent jobs, but have the feeling we're sitting on too much cash, are we? Have a money question? Email us, ask jill [at] jill on money ...
Law School Debt vs Investing
27 Jan 2022
Contributed by Lukas
Should I roll the dice and wait for my student loans to be wiped off the books, or just pay off the debt in one fell swoop and start investing my mone...
Kids and Money
25 Jan 2022
Contributed by Lukas
I joined CBS Mornings to discuss when to start teaching your kids about money, and what topics to talk about with kids of different ages. Have a money...
Should We Move to Canada for Lower Tuition?
20 Jan 2022
Contributed by Lukas
Given how crazy the cost of college is in the U.S., should we consider moving to Canada for some cheaper options? Have a money question? Email us, as...
How to Allocate My Retirement Investments?
18 Jan 2022
Contributed by Lukas
When it comes to my pre-tax and Roth 401(k), how should each side be allocated? Have a money question? Email us, ask jill [at] jill on money dot com. ...
At 37 and 38, Are We on Track?
13 Jan 2022
Contributed by Lukas
As we approach our 40s, are we on track to accomplish our retirement goals? Have a money question? Email us, ask jill [at] jill on money dot com. ...
Can We Buy a House?
11 Jan 2022
Contributed by Lukas
In our 30s and prepping for a big move, are we okay to buy a house when we relocate? Have a money question? Email us, ask jill [at] jill on money do...
Keep or Sell Rental Property?
06 Jan 2022
Contributed by Lukas
The real estate market continues to be bonkers, causing many to wonder if they should be looking to sell. Have a money question? Email us, ask jill [...
In Need of a Game Plan
04 Jan 2022
Contributed by Lukas
If you think you've got a lot going on in your life, just give this call a listen and you might walk away feeling better about your situation. Have a...
Should We Tap Our HSA or Let It Grow?
30 Dec 2021
Contributed by Lukas
With some medical expenses on the horizon, should we tap into the HSA or try to cash flow it? Have a money question? Email us, ask jill [at] jill on ...
Are We Saving Too Much in Retirement Accounts?
28 Dec 2021
Contributed by Lukas
At what point should we be concerned about saving too much money in our tax-deferred retirement plans? Have a money question? Email us, ask jill [at] ...
Financial Checkup
23 Dec 2021
Contributed by Lukas
Just because you're not making a ton of money doesn't mean you don't need a checkup. Just like with our physical health, we all need financial checkup...
Are the Fees Too High?
21 Dec 2021
Contributed by Lukas
At what point do the fees in a retirement plan become too high to justify using? Have a money question? Email us, ask jill [at] jill on money dot com...
All Roth All the Time?
16 Dec 2021
Contributed by Lukas
Are we making a mistake by directing all our retirement contributions into the Roth option? Have a money question? Email us, ask jill [at] jill on mon...
I’m Questioning Our Retirement Plan
14 Dec 2021
Contributed by Lukas
If you're questioning your retirement plan, knowing you have a huge asset that could be tapped should help ease your mind. Have a money question? Ema...
Rental Property vs. Stocks
09 Dec 2021
Contributed by Lukas
With the FINE movement (Financial Independence, New Endeavor) in our sights, it it better to have our money in the market or invest in real estate? Ha...
Chasing the FINE Movement
07 Dec 2021
Contributed by Lukas
37-years-old and chasing the FINE movement (Financial Independence, New Endeavor) in hopes of changing things up at 42. Doable? Have a money question...
Rent or Buy?
02 Dec 2021
Contributed by Lukas
With the housing market crazy, should I be looking to buy or keep renting? Oh, and by the way, I basically get the down payment as a perk from my empl...
Pre-Tax or Roth 401(k)?
30 Nov 2021
Contributed by Lukas
Given our combined income, do you think we should be using the pre-tax or Roth 401(k) option? Have a money question? Email us, ask jill [at] jill on ...
Refinance or Pay Off Home?
25 Nov 2021
Contributed by Lukas
My brain is telling me to refinance the mortgage, but I'm not sure how long we're going to be living here, so I'm stuck in the mode of paralysis by an...
At 26-Years-Old, Are We on Track?
23 Nov 2021
Contributed by Lukas
There's nothing better than getting a question from a 26-year-old who wants to know if she's on track for retirement. By the way, she's rocking it. H...
How to Prioritize Savings Goals
18 Nov 2021
Contributed by Lukas
Young family living in a new city with new jobs, what should the priorities be in terms of getting on track and saving for retirement? Have a money q...
What to Do With Remaining Rental Income?
16 Nov 2021
Contributed by Lukas
Knowing that you have seven more months of rental income at $2,400 per month, where should you be directing the cash? Have a money question? Email us...
Are We Holding Too Much Company Stock?
11 Nov 2021
Contributed by Lukas
Yes, owning company stock can be a good thing. But too much of anything can be a bad thing. Have a money question? Email us, ask jill [at] jill on m...
I’m 27, Can I Stop Saving for Retirement?
09 Nov 2021
Contributed by Lukas
27-years-old, some money saved and a couple streams of rental income, does that give you permission to take your foot off the pedal in terms of saving...
Should I Sell My House?
04 Nov 2021
Contributed by Lukas
In the last year your house has appreciated by $100k, should you sell it? Or hang onto it and hope for continued appreciation? Have a money question...
How Much Money to Use for a House Down Payment?
02 Nov 2021
Contributed by Lukas
When shopping for a mortgage, does it make more financial sense to only put 20% down and invest the rest, or put much more down to lower the monthly p...
My Finances Are Stressing Me Out
28 Oct 2021
Contributed by Lukas
Planning and saving for retirement is important, but if it's causing constant stress in your life, you need a different approach. Have a money questi...
In Our 30s, Are We on Track?
26 Oct 2021
Contributed by Lukas
We're in our 30s with a lot of moving parts, including our first baby on the way, are we on track? Are we doing everything we can possibly be doing to...
Thoughts on Retirement Savings
21 Oct 2021
Contributed by Lukas
Here's the actual email from our latest caller: I was hoping you could provide some perspective and thoughts on where we are for our retirement horiz...
How to Handle an Inheritance
19 Oct 2021
Contributed by Lukas
Handling an inheritance is not always straightforward, especially when there's several parties involved. Have a money question? Email us, ask jill [...
Should Investors Create Their Own Target Date Fund?
14 Oct 2021
Contributed by Lukas
Rather than pay more in fees, does it make sense to replicate a target date fund on your own with individual index funds? Have a money question? Emai...
Am I Over Saving?
12 Oct 2021
Contributed by Lukas
Does knowing that you have an awesome pension down the road give you permission to pull back a bit on your current savings rate? Have a money question...
Can We Splurge on a New Basement?
07 Oct 2021
Contributed by Lukas
With employees now spending more and more time working from home, is it a good idea to splurge on a home office? Have a money question? Email us, ask...
What to Do With Extra Cash Flow?
05 Oct 2021
Contributed by Lukas
How do you get a boat load of extra cash flow? You pay off $600,000 in student loans, that's how! Boom! That's what our latest caller did, $600k in st...
Ahead of the Game, What’s Next?
30 Sep 2021
Contributed by Lukas
32-years-old and absolutely crushing it with a boat load of money sitting in cash, what should my next move be? Have a money question? Email us, ask ...
Cash-Out Refinance for Remodel?
28 Sep 2021
Contributed by Lukas
The wish list includes fencing in the yard, a second bathroom and another bedroom. Should we do a cash-out refi to pay for it? Have a money question...
Pay Down Mortgage or Invest?
23 Sep 2021
Contributed by Lukas
I hate debt so I'm hell-bent on paying down the mortgage with my surplus cashflow. Am I making a mistake? Have a money question? Email us, ask jill [...
Do I Need Long-Term Care Insurance?
21 Sep 2021
Contributed by Lukas
I'm in my 40s with a pretty good amount of money saved, should I be looking to buy long-term care insurance? Have a money question? Email us, ask jil...
Where to Park Home Sale Proceeds?
16 Sep 2021
Contributed by Lukas
Where should you be parking the proceeds from a recent home sale? Well, that depends, will you be looking to buy another house in the near future? H...
Roth vs Traditional and Financing a Renovation
14 Sep 2021
Contributed by Lukas
After helping your parents figure out their finances, it's time to focus on yourself. Should you be making your 401(k) contributions pre-tax or Roth? ...
How to Finance a Remodeling Project
09 Sep 2021
Contributed by Lukas
Your home value has exploded over the last year, leaving you eligible for a line of credit, should you use it to finance an upcoming remodeling projec...
Do Mom and Dad Need an Annuity?
07 Sep 2021
Contributed by Lukas
My parents have an annuity that's coming up for renewal, should they keep it or is there a better option? Have a money question? Email us, ask jill [...
Can Mom Move in With Us?
02 Sep 2021
Contributed by Lukas
With a new baby, and two working parents, is it a good idea to have mom move in with us full-time and help with child care? Have a money question? Em...
I'm 37, Can I Retire at 60?
31 Aug 2021
Contributed by Lukas
What steps can I take at 37 to make the dream of retirement at 60 a reality? Have a money question? Email us, ask jill [at] jill on money dot com. ...
Should I Be Using High-Dividend ETFs?
26 Aug 2021
Contributed by Lukas
I'm all for making some extra cash on the side, but should you be chasing high-dividend paying ETFs to basically function as your side hustle? Have a...
Save for House or Invest?
24 Aug 2021
Contributed by Lukas
You would like to buy an apartment but you don't know when, or if, that will ever happen. With all the uncertainty, should you be focusing on the cash...
Should We Use a 529 Before the Kids Are Born?
19 Aug 2021
Contributed by Lukas
Kids are on the horizon, but probably not for a few more years, should you already be contributing to a 529 plan? Have a money question? Email us, as...
Financial Planning for New Parents
17 Aug 2021
Contributed by Lukas
Now that you've added a baby to the mix, what's the priority? Saving for retirement or throwing a bunch of money into a 529 plan? Have a money questi...
How Do We Prioritize Our Debt?
12 Aug 2021
Contributed by Lukas
When it comes to debt, there's "good" debt and "bad" debt, and not all debt should be keeping you up at night. Have a money question? Email us, ask j...
Are We on the Right Track?
10 Aug 2021
Contributed by Lukas
In your 20s, recently married, new homeowners, contributing to your retirement plans, is there anything else you should be doing to ensure you're on t...
Buy or Keep Renting?
05 Aug 2021
Contributed by Lukas
If you're finding the current real estate market completely bonkers, does it make sense to keep renting and hope that things eventually settle down? H...
Do I Need the Insurance Policy I'm Being Pitched?
03 Aug 2021
Contributed by Lukas
If you're being pitched a financial product, and deep down inside you have a funny feeling, odds are you should probably listen to your gut. Have a m...
Wife Says Pay Down Mortgage, Husband Says No
29 Jul 2021
Contributed by Lukas
Aunt Jill gets to play marriage counselor yet again! In the latest relationship, we have a wife who wants to use a bunch of cash to pay down the mortg...
Financial Planning for Newlyweds
27 Jul 2021
Contributed by Lukas
Congrats on the wedding! Forget the honeymoon, it's time to figure out your finances as a couple :) Have a money question? Email us, ask jill [at] ji...
Are We Crazy to Jump Into the Housing Market?
22 Jul 2021
Contributed by Lukas
Yes, the housing market is beyond stupid right now, but that doesn't mean you shouldn't get in on the action. That said, you want to make sure you're ...