Scotland voted NO on independence, which helped boost global stock prices.  To celebrate, I made Mark the happiest producer around...of course, he waited until AFTER the show...  

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We started the show with a great question from Rita in MN, who owns a number of annuity contracts and is wondering whether or nor she should reallocate and/or consolidate them. Marsha from SC is finally done with her annuity, but now wants to know what to do with the money.

Mark and Paul asked about Target Date funds, which are definitely easy, but may have a bit more risk than you realize.

Finally, I tried to answer a bunch of Social Security questions from Chris, Joe, Georgette, Pete and Frank & Patricia.

Here are a few FREE Social Security resources:

SSA: http://www.ssa.gov/oact/anypia/anypia.html

AARP: http://www.aarp.org/work/social-security/social-security-benefits-calculator.html

T.Rowe Price: http://individual.troweprice.com/public/Retail/Retirement/Social-Security-Tool

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 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Get ready for a "Jill on Money" first: A lottery winner, who needs financial advice. Joins us as we live vicariously through Pat's $65 million jackpot and walk him through some options for how to manage his lump sum.

• Download the podcast on iTunes
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• Download this week's show (MP3)

Sure the odds are against you, but just in case you too have come into a fortune, check out this article I wrote a couple of years ago. For the rest of us, it's back to the core concepts, like the Big Financial 3:

1. Pay down consumer debt
2. Establish emergency reserve funds (6-12 mos. living expenses)
3. Maximize retirement accounts.

You can check out this segment on CBS This Morning, where I highlighted the Big 3 and a few more "back to school" topics!

Thanks to Juan from FL, who prompted a good conversation about balancing 401K contributions with a desire to start a business and Frank and DeCosta, who are both weighing a 401K vs. a Roth.

Merlene is seeking an opinion on preferred stock, but that may not be her real issue!

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 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio