Happy middle of July! After a week off, we’re back in the saddle, but don’t worry, there’s plenty more vacation in the not too distant future :)

If you’re a regular listener, you guys know I’m not a fan of paying off the mortgage early, and that’s why my chat with our first caller this weekend may surprise you a bit.

Our second caller was James in the Bay Area who’s wondering if he can retire at 62 along with some general questions about post-retirement tax strategies.

In hour two we're joined by Richard Montañez, whose book, Flamin' Hot: The Incredible True Story of One Man's Rise from Janitor to Top Executive, tells the story of a man who made a science out of walking through closed doors.

Having taken a job mopping floors at Frito-Lay's California factory to support his family, Montañez took his future into his own hands and created the world’s hottest snack food: Flamin’ Hot Cheetos.

This bold move not only disrupted the food industry with some much-needed spice, but also shook up a corporate culture in which everyone stayed in their lane.

Through creative thinking, community building, and a few powerful mindset shifts, he outsmarted the naysayers who tried to get in his way, proving that you can break out of your career rut and that your present circumstances don't have to dictate your future.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.