Jill on Money with Jill Schlesinger How Far Behind Am I?
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Jul 21, 2025 Tuning into personal finance, the hosts tackle the stress of retirement planning, especially when expectations clash with reality. A listener shares their transition from carefree spending in their twenties to grappling with serious financial decisions in their forties. The dialogue delves into the importance of clear communication with financial advisors and family responsibilities. They also discuss optimizing retirement contributions and the essentials of estate planning. Listeners are encouraged to seek resources when feeling financially overwhelmed.
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Anne's Career and Saving Journey
- Anne worked in sports media relations with little income early in her career.
- She spent her 20s and 30s having fun before seriously saving in her 40s.
Shift 401k More To Roth
- Anne should consider shifting her 401k contributions more towards Roth for better tax benefits.
- Easing into a mix of Roth and pre-tax contributions helps manage paycheck impact.
You're On Track Financially
- Anne is on track financially and should take comfort in consistent, ongoing savings.
- Being debt-free and saving 20% of income is a strong position despite feeling behind.