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 checkups.Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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?Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 employer.  Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 analysis. Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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. Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 for retirement? Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 payment? Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 prepare for retirement? Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 horizon and what (if anything) you would suggest doing with additional cash...It's as easy as that! Just shoot us a note and let us know you want to come on the show with us. Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Handling an inheritance is not always straightforward, especially when there's several parties involved. Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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? Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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? And what's the best way to finance an upcoming renovation project? Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 project? Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 down payment, or investing in a brokerage account? Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 the right track? Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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?Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 mortgage and a husband who thinks they're better off investing the cash and using it for college education.Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 doing it from a position of strength, not weakness. Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Two new programs aim to give consumers greater access to credit cards and mortgage refinancing. On this episode I explain how they work and who would benefit most. Plus Mark and I talk credit, automatic payments, and reselling handbags on the web. Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

After paying off $150,000 in student loans you suddenly find yourself with some serious extra cash flow. What should you do with it? Buy a house for yourself or perhaps an investment property? Or just invest it?Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Saving for retirement is a lot like an annual checkup with your doctor, in that it's something you want to do once a year, and you certainly don't want to wait until it's too late.Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

After a crazy year, which consisted of job changes, moves and various real estate transactions, a 30-something finds himself with 120k in cash and not sure what he should be doing with it. Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The nation added a better-than-expected 850,000 jobs in June, though the overall unemployment rate edged up slightly to 5.9%. I joined CBS This Morning: Saturday to talk about the jobs numbers and the ongoing economic recovery. Mark and I also chatted about the heightened importance of having a proper work-life balance.Have a money question? Email us, ask jill [at] jill on money dot com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.