Happy MLK Day weekend! I hope most of you are off on Monday and can enjoy the holiday, and can also stay up late on Sunday watching some NFL playoff action!

This week we have a fresh batch of emails as well as the latest infuriating call from somebody being pitched an insurance product.

It's a new year which usually means a lot of resolutions as people try to shake things up in their lives, whether it's a diet or a new career.

In hour two we have somebody who embodies fitness as well as an interesting career path.

Her name is Christine D'Ercole, and if you're a Peloton fanatic like me, then you're certainly familiar with her.

As a Senior Instructor at Peloton, her classes are grounded in the science of cycling and the power of words. Her unique style of mindful motivation inspires members of the Peloton community, reaching thousands of devoted riders every day.

And when she's not on the bike, Christine is a public speaker whose work is rooted in self-talk. Her WORDSHOPS© are workshops for editing our self-talk into the story we want our lives to tell. Her catalog of wordshops span topics from body image to addiction and loss to corporate cultural growth and team building.

Have a money question? Email me here.

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