With more and more employers offering a Roth option, we’ve been getting a lot of questions about which makes more sense, the Roth or pre-tax option?

Are we in good shape for retirement? That’s another very popular question this year. In this particular case, the couple is eager to call it quits and do some traveling.

We also mixed in another call and some emails to wrap up the first hour.

In hour two we’re once again joined by Brent Weiss, co-founder and Head of Planning at Facet Wealth, and the 2021 sponsor of Jill on Money.

This time around we’re talking about all things insurance, including term life insurance, long term care policies, and disability coverage, especially for all the freelancers out there.

Have a money question? Email me here.

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

Happy middle of April! Before you know it we’ll be celebrating Memorial Day :)

This week we have a couple calls in hour one as well as a handful of emails.

The first call is a conversation about company stock and just how much is too much to be keeping in your portfolio.

The second call is about a whole life policy and whether or not the caller, a single guy in his 30s, should keep or ditch it.

In hour two, no time like the present to start thinking about that side hustle you've always dreamed about. If a global pandemic doesn't get you motivated, I'm not sure what will.

Do you have to be an “entrepreneur,” replete with a big, fat business plan in hand, to make a little extra cash on the side?

What if I told you that in 27 days you can come up with an idea, implement it, and potentially start making some extra income on the side?

That is what you call a side hustle, which also happens to be the title of a book from Chris Guillebeau, who's nice enough to join us this weekend.

While the thought of quitting your day job to pursue a business of your own may be intoxicating and even escapist, it may also be a bit unrealistic. Most of us can’t just up and quit a job that delivers a regular paycheck and benefits, to boot.

But what if you could quickly and easily create an additional stream of income without giving up the security of a full-time job? Enter Chris and the side hustle.

Have a money question? Email me here.

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

It's a long weekend for many financial markets across the world. To celebrate, we focus on big picture planning issues, like paying for college, avoiding the barrage of life insurance sales tricks and saving for retirement.

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Sharon is juggling debt pay down, retirement savings and saving for college, while Joel asked about refinancing his student loans. As a reminder, if you have federal student loans, you can find information about loan consolidation here.

Dan and his wife are adjusting to a lower income and trying to determine the best mix of retirement funds, while Matt and his wife spoke to a NAPFA advisor, who recommended consolidating investment accounts. His question: which company to keep?

Have you ever heard about something that sounds too good to be true? Marie asked about product that is essentially a life insurance product under a new, slick marketing wrapper. BEWARE!

We are always open to constructive criticism, which is why we spent time discussing complaints from a couple of listeners.

Thanks to everyone who participated and to Mark, the BEST producer in the world. 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 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

This may seem like heresy from a former investment advisor, but let’s be clear: Not everyone needs a financial advisor. If you have the interest, the discipline, the time and the intelligence to manage your own financial life, then you should do it!

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That’s what I told Mayer from CA, who wanted to know whether he should fork over $2,500 for a "deep-dive" with a financial advisor and David from Delaware, who is happy managing his money with dividend reinvestment plans (DRIPs).

I’m not so sure about Faith, who probably needs a second opinion for her current advisor and Rita, who is trying to figure out whether to get back into the stock market after selling out last fall. I’m guessing that 34 year-old Alex, who has $500K in cash because he is scared of the stock market, might also benefit from working with an advisor. (It’s not that I am anti-cash – after all, I told 77 year-old Paddy to stay put with his money market account, because he self-identified as someone who has a low tolerance for risk.)

We fielded real estate/mortgage pay down questions from Brad in Arkansas, Vanessa in Colorado and Victor in Washington.

Katie asked a slew of questions about her financial life, including what is the appropriate amount and type of life insurance and what are the rules around opening a non-retirement account?

Margie and Kendall weighed in with questions about revocable trusts; and Sandra and Irvin provided me with ample opportunity to rant against variable annuities.

Thanks to everyone who participated and to Mark, the BEST producer in the world. 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 

• Send an email: askjill@jillonmoney.com 

• Tweet me: @jillonmoney

Want to know how to make the most of your LinkedIn profile? Guest and branding expert Jason Seiden of Ajax Workforce Marketing has come to the rescue!

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I met Jason at  LinkedIn's FinanceConnect:13 in New York, where I had to admit in front of a room of 350 people, that my LinkedIn profile was terrible! Enter Jason, who laid out three basic questions that every LinkeIn user should ask:

1. What do you do?
2. Who do you serve?
3. What do you want to communicate to the people you want to attract?

Note to self: Add "Update LinkedIn profile" to the to-do list!

I bet Mark from CA and Matthew from MI have no problem with social media, but the 20-somethings needed help with their new retirement plans. We talked about contribution levels and allocation.

The bombshell of the show was that I am "the other woman" in Lyle’s life, who found us on WBAL in Baltimore, MD. Lyle has been catching up on the show by downloading older podcasts (you can do that here). Meanwhile, he and his wife are selling rental property and would like to invest the proceeds for income.

Do Roxanne and her husband need their current life insurance policies? They are in their mid-50’s and the need for coverage is diminishing with every year of saving, while Cary from MD asks about lump sum investing vs. dollar cost averaging (DCA).

According to research from Vanguard, two-thirds of the time, investing a lump sum yields better returns than putting smaller, fixed dollars to work at regular intervals. Then again, one-third of the time DCA is better, so choose carefully.

Thanks to everyone who participated and to Mark, the BEST producer in the world. 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 

• Send an email: askjill@jillonmoney.com 

• Tweet me: @jillonmoney