Jill on Money with Jill Schlesinger

Burned Out and Really Want to Quit

10 snips
Jan 16, 2026
Jennifer, a 62-year-old nurse with three decades of experience, shares her struggles with burnout and desire to retire soon. She discusses her pension options and the complexities of her financial assets, including brokerage accounts and a 403(b). The conversation delves into her monthly expenses, caregiving for her mother, and how these factors impact her retirement plans. Together with Jill, they explore various options, such as working fewer hours or delaying retirement while emphasizing the importance of planning for health insurance and estate documents.
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ADVICE

Plan For Early Retirement Costs

  • If you're burned out and can afford it, consider retiring now but plan for interim healthcare costs and withdrawals.
  • Jill recommends calculating a budget, factoring health insurance, and using IRA assets until Social Security and pension fully start.
ANECDOTE

Thirty Years Of Nursing Burnout

  • Jennifer has worked 30 years as a nurse and feels burned out after COVID-era work.
  • She wants to retire soon and is asking whether she can afford to stop working in 2026.
ADVICE

Compare Short-Term Health Options

  • Explore all short-term health coverage: pension-qualified plans, ACA exchange, or COBRA for 18 months.
  • Jill and Jennifer compare costs and trade-offs of lower-premium high-deductible plans versus exchange or COBRA options.
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