Jill on Money with Jill Schlesinger Squinting to See Light at the End of the Tunnel
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Oct 15, 2025 Richard shares his struggle in a long-term customer service job and dreams of slowing down. They discuss the emotional toll of angry customers and the feasibility of early retirement. Jill helps him assess savings and a plan to transition to less work by age 60. Strategies for managing finances while planning for health coverage and building liquidity are explored. They highlight the importance of mental health and taking breaks, inviting listeners to reach out for support if they feel stuck in their jobs.
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Long Career, Deep Burnout
- Richard has spent 28 years in a customer service job and is burned out by constant verbal abuse from customers.
- He is single, owns a home, and contributes 24% to a Roth 401(k), which frames the rest of the planning advice.
Keep Saving To Buy Future Flexibility
- Continue saving aggressively now because compound growth will create flexibility later in life.
- Keep funding retirement accounts so you can reduce hours at 60 without derailing long-term security.
Cheap Mortgage Is A Financial Cushion
- Low mortgage rate (2.625%) and substantial home equity reduce immediate pressure to liquidate assets.
- This positions homeownership as a stabilizing asset while retirement savings grow.