Posts tagged Social Security
Radio Show: Coronavirus and Your Money Continued

Mid-July looks a lot like mid-March, meaning the emails continue to pile up. Though I have to say, we have made a sizable dent, so maybe by Labor Day we’ll be back on track?? Scratch that, highly unlikely after I take some time off in August and won’t be answering any emails for a while :) Everything will pile right back up!

“I’m just bad with money!” I know that many have convinced themselves that they were born with a recessive money management gene, but financial planning can be learned, like anything else. That's the message of This Is the Year I Put My Financial Life in Order. In a book that is part financial memoir and part research-based guide to attaining lifelong security, New York Times reporter John Schwartz bares his financial soul.

Schwartz and his wife, Jeanne, are upper middle class earners, who have been on a financial rollercoaster. Sharing his own alternately harrowing and hilarious stories, from his brush with financial ruin and bankruptcy in his thirties to his short-lived budgeted diet of cafeteria food, John will walk you through his own journey to financial literacy, which he admittedly started a bit late.

He covers everything from investments to retirement and insurance to wills (at fifty-eight, he didn't have one!), medical directives and more. Whether you're a college grad wanting to start out on the right foot or you're approaching retirement age and still wondering what a 401(K) is, this book will help you find your financial way.

So if you are like the countless others who are a bit tentative when it comes to money matters, but are willing to learn before it's too late, this book should help improve your financial literacy.

Have a money question? Email me here.

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

#295 Clinton vs Trump, By the Numbers

With just over a week until the election, it's time to take measure of Clinton vs. Trump, by the numbers. Thankfully our guest Jeffrey Levine, Chief Retirement Strategist and Director of Retirement Education with Ed Slott’s Elite IRA Advisor GroupSM as well as CEO and Wealth Advisor with BluePrint Wealth Alliance, helped us sort through the candidates' plans.

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Medicare/Social Security: Both candidates want to slow the pace of health care costs by allowing Medicare to negotiate with drug manufacturers, but similarities stop there.

Although Trump called for privatizing Social Security in the past, he recently said he wants to keep the government plan in place because he believes it would be “honoring a deal.” He plans to address “the tremendous waste, fraud, and abuse in the program. But we’re not going to hurt the people who have been paying into Social Security their whole life and then all of a sudden they’re supposed to get less.” Trump's stance has generally been that he will do everything in his power to avoid touching Social Security – a position that doesn’t actually jive with that of many other Republicans – but he postulates that he will be able to do this my merely cutting waste and growing the economy. This would seem to be an incredibly difficult, if not impossible task, even using the most optimistic of projections.

Clinton wants to create a caregiver credit “that prevents penalizing those who are out of the workforce due to caring for others,” which sounds great in theory, but Levine has some serious questions as to how it would actually work in the real world. To beef up the SS retirement system, Clinton “opposes raising the full retirement age, privatization of Social Security, and any reduction in benefits or cost-of-living adjustments (COLAs)."  Levine notes that when Social Security was established, the average life expectancy was far less than what it is today, and yet the full retirement age has only increased by one year over that time. Consider that in 1940, roughly 54 percent of men and 61 percent of women surviving to age 21 lived to reach age 65. Fast forward 50 years and, by 1990, about 72 percent of men and nearly 84 percent of women could expect the same results. Under a Clinton administration, the Social Security Wage Base (currently $118,500 in taxable earnings), would increase.

Historically speaking, roughly 90 percent of earned income was subject to Social Security taxes. As the wealth and income gaps have widened in recent years though, that number has dropped closer to 83 percent. To restore that mark closer to historical norms, Clinton would need to raise the Social Security earnings cap to about $250,000 – a massive increase from where we stand today. It should be noted that even with no cap whatsoever, other changes would still have to be made to keep Social Security solvent over the long run. Clinton also seeks to make income other than earnings subject to Social Security taxation. This too, would represent a major change.

Taxes The following are tax plans to date according to the candidate’s websites and the Associated Press.

Under a Trump administration, the following tax changes have been suggested:

  • Reduce the seven tax brackets to just three, at 12 percent, 25 percent and 33 percent, and cut the top income tax bracket to 33 percent from its current level of 39.6 percent.
  • Cut the corporate rate from 35 percent to 15 percent, also cutting taxes on “pass-through” business income for small businesses to 15 percent.
  • Eliminate the estate tax, which, as of 2016, has a $5.45 million exemption ($10.9 million for married couples) and a 40 percent tax.
  • Steepen the phase-out of itemized deductions under the existing Pease limitation, which currently phases out deductions at 3 percent for every dollar that adjusted gross income exceeds $300,000 ($250,000 if single).
  • According to the Tax Policy Center, Trump’s tax proposals would add a $11.2 trillion to the national debt over the next decade. Trump has largely disputed such estimates, citing that under his leadership, economic growth would double to about 4 percent, leading to more workers,. better paying jobs, and thus, more revenue.

Under a Clinton administration, the following tax changes have been suggested:

  • Increase several taxes on wealthier Americans, including a 4 percent surcharge on incomes above $5 million, effectively creating a new top bracket of 43.6 percent.
  • Imppose a minimum 30 percent tax rate on income above $1 million a year
  • Cap deductions for wealthier taxpayers.
  • Increase the estate tax exemption to former 2009 parameters of 3.5 million ($7 million for married couples), with the tax rate of 45 percent.
  • Maintain current tax levels for the bottom 95 percent of taxpayers, which according to the Tax Policy Center and the most recent income and tax data released by the IRS and reported by the Tax Foundation, would mean those who earn income of $179,760 or less annually. That said, the Clinton campaign has said taxes would not rise for those making less than $250,000.
  • Clinton has proposed expanding the child tax credit by doubling the credit to $2,000 per child.
  • Clinton's tax proposals – when viewed in isolation – are estimated to reduce the national debt by $1.2 trillion over the next decade. However, when adding in other proposals, the national debt would increase by more than $10 trillion.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

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#286: "Equity" and Women on Wall Street

It's official: "Equity" is a now my new favorite movie about Wall Street. Sure, "Trading Places" was a classic, but there has never been a film about Wall Street where not only are women the main characters, but they also populate every role behind the camera. Guest Alysia Reiner (she plays Fig on "Orange is the New Black" and starred in the movie "Sideways") is the co-star and co-producer (with Sarah Megan Thomas) of "Equity" and explained why the movie felt so real: they spoke to REAL women who worked on Wall Street, some of whom became investors in the film.

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"Equity," which takes place in the post-financial crisis era, explores both gender and generational roles in finance in an entertaining and provocative way. As the financial thriller unfolds, we see ambitious women trying to walk the tightrope between being too nice or being accused of "having sharp elbows" or "rubbing people the wrong way."

There is also an interesting take on mentorship, which can be tricky in a male dominated field. Naomi, the main character played by Anna Gunn of "Breaking Bad" fame, advises young professional women, "Don't let money be a dirty word" -- a sentiment that we wholeheartedly embrace on this show!

Women also adapt by using what they have to their advantage. Alysia plays "Sam," the assistant US attorney who is a college acquaintance of Naomi. Sam uses her sexuality to her advantage as she investigates Naomi's firm for insider trading. Meanwhile, Naomi's associate Erin (played by Sarah Megan Thomas), who is juggling her husband and recent pregnancy with the desire to advance her career, finds herself asked to treat a twenty-something tech entrepreneur "very, very gently."

I don't want to give too much away--just listen to the interview and GO SEE THE MOVIE!

Here are some of the articles that I mentioned earlier in the show:

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

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#278 Retirement, Fiduciary, Social Security Expansion with Mark Miller

Mark Miller, the editor and publisher of RetirementRevised and nationally recognized expert on trends in retirement and aging, returns to the show to offer his unique perspective. Mark offers a holistic view of retirement security, including healthcare and Medicare, Social Security, retirement investing, midlife careers and housing.  He also writes frequently about retirement-related public policy issues, including Social Security, Medicare and workplace retirement plans.

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We started the conversation discussing Mark's next book, “Jolt: From Trauma to Transformation,” which examines what makes some of us able to bounce back from trauma and others not so much.

Mark weighed in on the Department of Labor's Fiduciary rule and completely dismissed the industry's push back against the changes. (Check out his post: Is the fiduciary rule fight really about the little guy?) With trillions of dollars in assets set to leave big firms, it's no wonder they fought so hard against putting clients' interests first. We finished up with tips on Social Security and Mark's take on the possibility of Social Security expansion.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

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#258 Valentine's Day with Dynamic Duo of CFPs

Sameer Somal, CFA, CFP and Marguerita ("Rita") Cheng, CFP are the future of the financial planning profession...they bring smarts and passion to the table! Thankfully, Rita is the Social Security Queen, so she helped answer a number of your most pressing SS questions.

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Rita notes that the best time to call Social Security is in the middle of the month, mid-week and mid-day. She also reminds those who are still eligible for SS File and Suspend that your Full Retirement Age (FRA) is when "claiming magic happens!"

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World...and yes, I owe Mark a bottle of scotch for correctly selecting the Broncos as Super Bowl Champions. Here's how to contact us:

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#245 The Pre-Pre Thanksgiving Show

It's the weekend before the weekend before Thanksgiving and we are answering your financial questions! Before we got going, we needed to discuss some ramifications of the recently signed budget deal. For those who were planning to execute one of the interesting Social Security strategies that we have discussed here, listen up!

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Congress has decided to close perceived “loopholes” in the Social Security rules and has killed off the “File and Suspend” strategy, which allow spousal and dependent benefits to be paid while still earning delayed retirement credits AND, it will no longer be possible to file a restricted application for just spousal benefits.

According to SS expert and JOM guest Mary Beth Franklin, "existing beneficiaries are grandfathered. So are those who are 66 with the next six months. Gone after that. Restricted claim for spousal benefits will still be available at 66 for those who are 62 or older by the end of this year. Gone for people who are younger. Oh well...

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#238 Social Security Questions Answered

Since her last appearance on the show, I have been saving your Social Security questions for nationally recognized SS expert, Mary Beth Franklin. Mary Beth is a contributing editor at Investment News and writes regularly about the latest research and thought leadership on retirement income planning. You can follow her on Twitter here and download her book, “Maximizing Your Social Security Benefitshere.

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Thank goodness for Mary Beth, because it is so difficult to wade through the SS system’s 2,800 rules! The part of the program was devoted to the strategies around claiming SS benefits on the record of an ex-spouse.

The basic rule is that you must have been married for at least 10 years before you got divorced and you must be currently single, which also could include being widowed from a subsequent spouse. We fielded a lot of questions about making the claim retroactively, but Mary Beth notes that you must be at or beyond full retirement age (FRA), the maximum retroactive benefit is six months.

There were a lot of questions about whether an ex can claim as early as 62. The answer is yes, with a caveat. You can claim on your ex, but other SS rules apply, so you would have to claim a reduced benefit on your own record and then if ½ of your ex’s benefit is greater than your own, you can collect the difference.

Here’s an example: Jack (67) and Jill (62) were married for 20 years and then divorced. Jill would be entitled to $1,000 per month, if she were to wait until her FRA, but instead, she claims at 62, which reduces her monthly benefit to $750—remember, if you claim early, the reduction is permanent! Let’s assume that Jack has claimed his $2500/month benefit at his FRA. If Jill had waited until her own FRA, she would have been entitled to half of his benefit, which would be $1250/month. BUT, because she is claiming at 62, her share of his benefit is also reduced, so she would only be entitled to $875/month. From the perspective of SS, Jill would be entitled to two benefits at age 62: her $750 + $125 from her ex-husband, for a total of $875.

Mary Beth also covered survivor benefits; how to execute a Social Security “Do-Over”; some of the rules around SSDI; the two rules that may limit your Social Security benefits: the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO); and of course, Mary Beth’s GOLDEN RULE FOR SOCIAL SECURITY!

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#233 The Non-Vacation Show, Part 2

Yes, I am on vacation, but never too busy to answer your great financial questions, especially after a volatile week that left the Dow, NASDAQ Composite and Russell 2000 in correction territory!

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Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#232 The Non-Vacation Show, Part 1

Yes, I am on vacation, but never too busy to answer your great financial questions!

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Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#231 Retirement in August

It's hot across much of the country, but we cool down with dreams of retirement. Whether you are thinking about early retirement, tinkering with your asset allocation, considering an annuity, weighing lump sum or stream of income or just starting out, this is the show for you!

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Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#230 Celebrating Social Security’s 80th Birthday

Nationally recognized expert in Social Security Mary Beth Franklin joins the show to celebrate the 80th birthday of Social Security. Mary Beth is a contributing editor at InvestmentNews and writes regularly about the latest research and thought leadership on retirement income planning. You can follow her on Twitter here.

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Mary Beth reviewed the roots of Social Security – did you know that one of its main purposes was to get old workers out of the workforce in order to make way for younger ones?

You may have heard people say, “Social Security is broke,” which is just wrong. The SS Trust Fund, which carried surpluses for many years, is going to be depleted by 2034, unless government takes action. At that time, there would be enough workers to pay for about 75 percent of promised benefits. If the country wants to maintain the current system, Mary Beth says that there will probably be a combination of three fixes, which will be phased in over a long period of time:

  1. Increase SS Full Retirement Age
  2. Increase SS wage base: Workers and employers each pay 7.65% up to $118,500 (FICA tax) to fund SS. Mary Beth said that when the system was created, the wage base was supposed to represent 90 percent of wages. Due to changes in incomes at the top, that’s not the case. In order to get back to 90 percent, the wage base would have to rise to approximately $250K.
  3. Decrease or income test benefits

Mary Beth also outlined some of her favorite SS strategies and highlighted the common SS mistakes that many Americans can avoid.

Our callers also had SS on their minds: John retired last year and has not yet claimed SS, Mike works part time and wonder when he should claim SS.

Robert asked about the Acorns app, which invests spare change from everyday transactions (bug thumbs up!) and Sarah wonders how to protect her savings and investment accounts against hackers.

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#228 Preparing for Retirement

Sure it's summer, but that doesn't mean you can't spend a little of your time at the beach or the mountains contemplating your retirement, right? In fact, your time off might encourage you to think a little more seriously about how you might spend those non-working years. In addition to dreaming, you'll have to think ahead and get your portfolio in shape for the transition.

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Paul is 70 and asked about his portfolio as well as his Required Minimum Distribution, Angela from Phoenix is preparing her investments for retirement and Sybil has been advised to combine several of her TSA accounts - should she? Scott MI is just 45, but he is "retiring" from a union job--what should he do with his pension?

Our younger listeners are also thinking ahead to retirement. Jack and his wife are in great shape and want to know what to know how to continue to maximize their cash flow; Amey wants to concentrate on accumulation for the next five years; and Christine from Perth, Australia has about $5-$7K each month that she and her husband are saving for a new home in CA. Should they direct the money into a money market account or should they pay down an existing mortgage?

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#227 Summer Travel with Peter Greenberg

Just in time for summer vacation, Emmy-winning investigative reporter and producer, Peter Greenberg joins the show to provide great travel tips. Peter is the travel editor for CBS News and also hosts his own television show, “The Travel Detective with Peter Greenberg,” on public television.

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Peter covered a lot of ground, including: Tricks for navigating the consolidating airline industry (conduct research on line but don't give up on the phone yet); why travel agents are on the rise again; why now is a great time to book a cruise; what you need to know about traveling to Cuba; why you should NOT cancel your trip to Greece; and what you need to know about trip cancellation insurance.

We also covered a great question from Jessica, who is looking to make a career change from medicine to financial services. The financial planning industry is poised to grow, so she should check out the CFP Career Center!

Kris wanted to know the basics on Social Security for married couples and Carol weighed in on the Windfall Elimination Provision and the Government Pension Offset.

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#226 Financial Independence Day

Ready to grab hold of your financial life and take control? Level Money's co-founder Jake Fuentes joins the show to tell you! Jake launched the award-winning personal finance app in order to help people spend with confidence, save more and achieve financial balance. The app is a simple tool to automatically analyze your financial picture.

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Rich and his wife are getting ready to retire and will have a little more than $1 million. A fiduciary advisor is recommending a fixed annuity, but we're not so sure.

David asked about tapping home equity to purchase another rental property; Jeff had questions about SS, Medicare and retirement planning; and Sarah asked about funneling money into a 529 plan versus a general investment account. Here is an education cost calculator to determine how much to save today in order to cover future tuition bills.

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#225 Bond Summer School

We're cramming in a summer class on bonds, led by Bond Yoda, Marilyn Cohen. Marilyn founded Envision Capital Management 20 years ago after stints at William O’Neil & Company and Cantor Fitzgerald. Besides her impressive credentials, our favorite fact on her bio is: "In her spare time Marilyn raises service dogs for the disabled and regularly conducts pet therapy sessions at the VA Hospital."

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Marilyn covers the differences between bond funds and individual bonds; the costs involved in buying bonds directly and how you can learn more about the mark up and recent trading of bonds at http://www.investinginbonds.com/.

How should you invest your bond portfolio? Marilyn advises that investors keep it US-centric (though not treasuries) and make sure to focus on 3 to 10 year maturities. She also weighs in on whether or not you should consider so-called "bond alternatives", like REITs, dividend stocks, preferred stock.

You can check out Marilyn's e-book about bonds for free at Smashwords.com or for $0.99 at Amazon.com.

I also mentioned a CBS This Morning segment on saving, which you can find here and the New York Times 1% More Calculator.

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:
  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#224 Father's Day Financial Advice, Annuities

This Father's Day weekend, we have financial advice for dads, moms and kids. Many of you know that my father, "Big Al" or "Albie", had a big influence on me and I miss him terribly. For those who never heard the show where Dad came on as a guest, you can check out this post. I also wrote about him here.

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In this week's show, we spoke to Frank and Camille about annuities, as well as Mike about his asset allocation. Jill wanted advice or ideas about how she could contribute to her household income, perhaps through a small business and Pam asked about the about the Windfall Elimination Provision  of Social Security.

Finally, Vinnie wants to retire early…really early -- no later than 57 and as early as 52 if he can make it work...can he?

Thanks to everyone who participated this week, especially Mark, the Best Producer in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#200 The Social Security Special

What better way to celebrate our 200th show -- and the first program of 2015 -- then to have Social Security expert Bill Meyer as our guest! Bill is the founder and Managing Principal of the terrific SS resource, SocialSecuritySolutions.com.

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Bill discusses the Social Security system, how to improve it and then dives into the various strategies available to retirees. With hundreds of thousands of dollars at stake, you can't miss this show!

Thanks to everyone who participated and to Mark, the BEST producer in the world. Check out Mark's first-producing credit for this CBS Evening News segment that aired recently. If you have a financial question, there are lots of ways to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#199 Reverse Mortgages, Capital Gains, Financial Planners

Retirement expert Mark Miller join the program to explain Social Security basics (which are always confusing!) and to provide an update about what the Affordable Care Act does for retirees who are pre-Medicare age.

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Mark is the editor and publisher of RetirementRevised.com, but as if that were not enough, he is also a journalist and author who writes for Reuters, Morningstar and anywhere else that a retirement guru is needed — that means a lot of places!

We also fielded questions on reverse mortgages, saving money to buy a house and what to do if you think that your advisor has a conflict.

Thanks to everyone who participated and to Mark, the BEST producer in the world. Check out Mark's first-producing credit for this CBS Evening News segment that aired recently. If you have a financial question, there are lots of ways to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
#158 Men, Women and Money

Our guest MP Dunleavey recently wrote a great article in the New York Times called “Mars, Venus and the Handling of Money,” which discussed the way that men and women relate to money.

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While it’s not exactly breaking news that the sexes tend to address money issues from different perspectives, what is new is that the financial service industry is waking up and trying to address the plain fact that men and women have distinctive financial needs. MP tells us what we need to know and helps bridge the gap between how men and women can best use tap the services offered by the big companies.

Man, woman...we love all of our callers! Doris is looking for a place to invest her $100,000 inheritance -- should she use an immediate annuity? Susan is not happy with the performance of her investment advisor and wonders whether she should move her relationship elsewhere and Tim is about to start his own business…what does he need to know? (Answer: A LOT!)

A shout-out  to Ben, who passed along a suggestion for a great website www.splitwise.com that helps roommates who are trying to allocate expenses.

Thanks to everyone who participated and to Mark, the BEST producer in the world. Let me know if you think we should provide Mark with a little space to vent his various grievances with you...we're considering calling it "Mark's Musings". If you have a financial question, there are lots of ways to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE