The Scholarship Hunt

For college give me some of the smartest money you'll ever spend.

It be great if someone else picked up part of the tab Rob West, believe it or not.

Each year, nearly billion dollars in scholarships is handed out to 1.7 million students about how you can get some of that free money that's on your calls at 800-525-7000 24, seven, 800-525-7000. This is moneywise live biblical wisdom for your financial decisions.

So how expensive well the latest data from the college board shows that the average in-state student attending a four-year public college this year will spend over $27,000 and that's just for one year for students attending private colleges. The average annual cost is nearly $55,000 with those expenses. It's surprising that the average graduate with student loan debt owes around $37,000 you think you'd be more but there is a way to make it even less. Many organizations are willing to help you pay for college through scholarships. If you meet their qualifications.

My wife Julie had her own application assembly line going and she was able to land $170,000 in scholarship money. Yes, that number is right now. Granted, that took a lot of work but look at it this way you can either put in the time and effort now applying for scholarships or you can borrow and work very hard leader to pay the money back. No doubt a lot of you would rather put in the effort now so I'll give you the names of online sources for scholarship money and will put links to them in today show notes@moneywise.org so you ready to get started. Sorry hearing out our first source for scholarship money is fast web.

They host more than 1.5 million scholarships totaling nearly 3 1/2 billion dollars in scholarships and grants to get started.

You create a profile on their site. A search feature helps match you to the scholarships and meet your individual needs.

It will also keep track of where you've applied a very handy feature. Now the college board is best known for testing materials for the SATs and other exams.

They also want to help you pay for college.

Once you get there on their site. You can apply for scholarships and internships. They have leads on about 2200 programs offering nearly $6 billion every year. Another great site is niche.com like the name implies they help you find not only money but also colleges that cater to your specific major and interests and of course there's scholarships.com they have a huge database with more than 3 1/2 million scholarship and grant opportunities totaling almost $20 billion that you can browse by category, or set up a profile to help you find scholarships specific to your interests. X is another great source for scholarships they have leads on $11 billion in scholarship opportunities. They also have a tool to help you calculate the odds of getting into a school of your choice before you even apply. Jag is another one their best known as an online textbook store but they can also point you to about 25,000 different scholarships and they have a top picks of the week feature to help you improve your odds of landing one.

Now keep in mind a lot of these scholarship opportunities are merit-based, meaning the higher your grades the better your chances of landing that kind of scholarship but what if you're more athletically inclined. Well, there's a site to help with that unit go lets you search for athletic scholarships as well as a variety of funding opportunities offered by specific schools and companies and let's not forget about Petersons which is best known as a clearinghouse for information about colleges and universities. They also host about $10 billion in scholarship opportunities.

Now this one is interesting because we usually associate federal aid with borrowing, but the Labor Department sponsors a website called career one stop and it allows you to search more than 8000 scholarships, fellowships, and grants.

And that's money you won't have to pay back one final idea to check with the financial aid office at whichever schools you apply to sometimes and they have scholarship money available to okay we've thrown a lot of scholarship sides at you and you probably won't use all of them, but you should definitely use more than one maybe look for two or three that you find the easiest to work with her best match your needs and some of them have other features you might find him.

And remember, will have links to all of them in today show notes your calls or next year's number 800-525-7000. That's 800-525-7000 nine Rob Weston this is moneywise live biblical wisdom for your financial journey much more to come. Just around the corner.

Stay with you for joining us today and moneywise live here with us today. This is biblical wisdom for your financial decisions. That's right.

We spend this time each afternoon talking about the Council of Scripture as it relates to the money decisions that we make. Think about your money. It is a way of finding a thread throughout every facet of your life. Everything generally involve some element of money. The question is, how should we handle it. What's the appropriate lifestyle. Should we borrow much should we give guys we think about all these things we want to go to God's word and say what are the principles we can pull out what is God's heart related to his money. Remember it's all his the cattle on a thousand hills for the earth is the Lord everything in it. So if it all belongs to him. That makes us a steward of every dollar we receive member. The Bible says it's even the Lord who gives us the power to make wealth so even your provision at all comes from the Lord.

The question is how can you be a faithful steward with what he's entrusted to you. The key is to live within your means within God's provision which means were not leveraging tools like that to live beyond their means.

We find contentment within God's provision and were able to then give generously to save for the future to help somebody in need and to enjoy what we have. Along the way so that we want to help you find God's heart is a relates to the decisions and choices you're making with your money on this program each day and got some lines open to do that together here's the number 800-525-7000. That's 800-525-7000 were to begin in Chicago with Adam W MBI Adam, how can I help you sir will research career collected ability ability ability. I will completely dependent on government funding, live my day-to-day life been almost 10 years now, government while that's great/think you can on a couple things here and I'm number one is we should pursue work that we know has the ability to have a future right so certain careers are growing and accelerating the auto see what future opportunities exist in a career field are interested in that has great prospects in the future but also aligns with our passions and gifting and I think when we can bring all of those together, especially working to borrow some money for college which I would encourage you not to do if at all possible. We want to make sure there's a job that's going allow you to pay that back in a timely fashion so unpacking how God has wired you and how that intersects with the career potential I think is key, but then trying to find ways to cover the cost of education which is we started today. You know there are so many opportunities for scholarships and grants. Some of them you may not qualify for but the key is have you done the legwork to try to find ways that you can offset the cost of college, both in advance through applying for scholarships and grants. But even a work-study and having a part-time job. Your other means. In the summer, even between semesters building up some reserves. I think all of these things when you put them together can ensure that you're not coming out with the degree but also saddled by the burden of debt that can be really problematic, especially as you're just getting started so that I'm great to counsel today. We appreciate you weighing in your story establishes or 800-525-7000. Charles is in Hobe sound of Florida WR MB Charles can we help you sir.

I bought a condo two years ago I brought it to our and looking well it going. I can get around 375 and probably put about 35 filed and in different playing.

You know this remodel, and air conditioner generator comes up in the mountains and this morning when I have to pay capital gains all net little bit. Old habits that Milam will get.

Was this a rental property. Charles we rented it from them. We've lived there so very home okay yeah so that was not your primary residence for two of the last five years and you don't qualify for the exemption that's available for again so it would be. There would be capital gains tax on your profit. I think the key is you have to recognize number one.

The way you determine that capital gain is to calculate euro you subtract the adjusted basis of your property at the time of sale from the sales price.

It sold for so basically you sold it for a certain amount you'd subtract out what you paid for it. You subtract out any improvements that stayed with and enhance the value of the property minus sales expenses like legal fees and sales commissions. And that's can result in a true gain that you had and then based on what you're describing. You likely play a long-term capital gain which you know is either going to be zero, but more likely either 15 or 20% depending upon your income tax bracket so it will be taxable and the key is not on the whole amount it's on that true gain in that would be calculated in the way I describe so I think this is an opportunity for you Charles to visit with the tax preparer, CPA or accountant.

Perhaps that you worked with to prepare your taxes to let them know that this was done so they can calculate exactly what your true gain is and then they'll tell you what that capital gains rate is based on your income bracket to some extent Richard, thank you alright yes sir, we appreciate your call today 800-525-7000.

Janice is in Columbus. Genocide can help you. Hi Mike you're taking my call. My husband and I have a 49-year-old handicapped daughter, and we are currently working on a special needs trust to care for her shed cut event died before she dies and her caregivers right now are all paid by her I'll labor back her condo utilities everything out that it takes her home paid by Hash so we're working to decide on whether we should have a revocable or revocable special needs trust for her over the years.

I'm now wait that estate agent for developmentally disabled has changed weight had to change our wealth several times now working on special needs trust. Yes, though I think the key is obviously get out the special needs trust is going to give you the most flexibility here and what you're trying to accomplish. It allows you to maintain control over why you're living and you can set it up so the assets are made available by the trustee according to your wishes.

You has to come in from 1/3 party, someone other than the beneficiary, but allows for you to care for her, beyond your life and based on certain triggering events as to revocable or air revocable. That's really good to be something you want to process with the estate planning attorney as to what's the best in your situation. Given the laws of the state. Given your net worth and just what you're trying to accomplish, so I would want to weigh in on that without knowing the details, but I think you're certainly headed in the right direction in terms of you with the handicapped daughter who's going to be a lifelong dependent. You certainly want to make provision for her needs. Again, beyond your life. You and your husband and this is the way to do it to make sure that she still able to take full advantage of Social Security disability and other benefits but also still have the resources she needs to maintain quality of life soap agendas and think you're certainly headed in the right direction, but I get to a legal opinion on exactly the finer points of how you should set the trust up.

We appreciate your call today and all the best to you and your husband as you care for that sweet daughter of yours.

We appreciate your call.

Well, looks like all the wines are full. We got lots of great questions coming up on retirement to giving you. How do you give to perhaps a small church and is it okay to give tithe money beyond the church secretary wants to talk about. Perhaps your question as well. 800-525-7000.

This is moneywise live biblical wisdom. Thanks for joining us today. I moneywise live biblical wisdom for your financial decisions. We began by talking today at the start of the program about scholarship sets right thing for college and how you can take advantage of some wonderful scholarship and grant opportunities out there to cover the cost of college. There are some wonderful websites that will help you identify scholarship resources in the very best scholarships for your child ending on age and background the career they are pursuing a whole host of issues. So take advantage of them. If you missed a part of that or if you'd like the links to those scholarship resources we mentioned at the beginning of the program today to check out the show notes for today's broadcast.

The easiest way to get there is just ahead to moneywise.org and right there on the homepage you'll see today's episode called the scholarship hunt. When you click on that in the show notes today. You'll find links to all of the great websites that we mention the college board fast web niche.com scholarships.com Jag unit go. It's all there, including the link so go to moneywise.org and then click on the scholarship hunting. You'll find all of those great resources and all the best to you if you try to find your portion of the $8 billion in scholarships that will be handed out to 1.7 million students in the next year are, let's head back to the phones today. Terry's been waiting from Bangor, Maine, and Terry how can help you out. I mean yeah that is better income and I want to paint high on it in the tune of $9000 that that the high portion now the church that I go to that very small church. We do not have a building leave Matt at home with her now meeting in this goal and I wanted now if I could give the whole 9000 to my local church or can I give a portion to the local church and give their place as part of the tie yeah well I appreciate Terry that you want to be faithful with giving as according to the amount that you received and you want to give a tithe and that's wonderful tide literally means attend and I believe that the ties should be the beginning point of our giving, we look at the we look at Scripture, we see that that really in the Old Testament that the tithing concept was clearly there.

Although the word means a tenant there was actually three times in the Old Testament, so there was one for the Levites one for the temple one for the poor, and you know it totaled up to about 23 1/3% every year and there was even some additional giving that was done beyond that, at the feast of weeks, and the feast of booths and a whole host of other times now when Jesus enters the scene. He takes it to an even higher level, and he shows us a different way of giving whole life, generosity, and he modeled that with his life as a sacrifice. But when he talked about money Terry. He said we should give as we been blessed in Luke six and to whom much is given much is required in Luke 12 and then he commended the poor widow who gave her last two copper coins. So why am I telling you all this what I think the bottom line is it's between you and the Lord and what we recognize is that a tithe is a great way to give systematically to recognize God's ownership in his provision in your life. And clearly that's what you're doing and I believe that if were going to follow that model that we should start with the local church now, does that mean we have to give every bit of whatever the Lord places him or her to get to the local church.

Well, again I think that's between you and the Lord but I love the idea that you want to be systematic and proportionate in your giving a love that you want to take right off the top and honor the Lord and I would say clearly that should start with the local church and you, and Malachi. Again, the Old Testament, which was replaced when Jesus came and fulfilled the law of Moses. But it says bring the whole tithe into the storehouse, which would most closely be aligned with today's local church and as you know so many pastors teach. That's God's plan essay that was clearly his plan to take his message to the world through us and through the local church. So I think at the end of the day. I would say yes. It should start with your local church.

I like the idea of you giving the whole tithe to your local church. But if between you and the Lord he leads you to do something else with this or other giving along the way, I would certainly follow the leading of the Lord and I would also say let's not be legalistic about it.

I would look at you know how you can give even more over time to settle make sense of that that that works very well that is very helpful. Thank you very much okay Terry listen I know the Lord is pleased with your desire to be generous with what he's entrusted to you. I appreciate your call today, very, very much Cindy's in Springfield, Missouri Cindy, how can I help you.

I recently left my career in 17 years in the public school system in Missouri and with a really good retirement system and I'm getting ready to start a new career and Whitney at County government basically which had its own retirement system.

Now I can by year into my PSR after my teaching career, but they are very expensive. Or I can put money into the system with a crew was much warmer and I don't know what to do with that. Yeah yeah you know I think Cindy it's really going to require somebody to come analyze the finer points of each of these plans.

I realize it was public education. The retirement system. There can be very good government land can be as well.

I think the key is, which is going to be the better internal rate of return meaning where you can get the most for your money and where should you focus in terms of dollars moving forward. So I encourage you to connect with a certified kingdom advisor. I think this would be worth a few hours of your time for a professional to analyze both of these options tell you how you should proceed moving forward. Just make sure you make the very best decision you can find a certified kingdom advisor there in Springfield to go to our website moneywise.org is I CK moneywise live thinking about executing an moneywise live as you start out in the new year. You couple weeks into a new year and thinking about your finances wanted to get things on track, perhaps to organize this year and maybe start that spending plan you was wanted to keep tabs on well we can help you do that with the moneywise app downloaded wherever you download apps to search for moneywise biblical finance and there's three approaches to money management in one system. You get to decide which one fits best, your personality, you can connect to your institutions.

Downloaded transactions automatically even have them categorized into your spending categories. It's called moneywise biblical finance and you can download it for free today. Let's head back to the foes today.

By the way in just a few minutes Bob Dolby with his chief investment officer crossed more global investments.

He joins us each Monday for a segment on the market from a biblical perspective certainly interested in hearing what Bob has to say. Today the market down over 500 points with rising interest rates really an interesting time in the stock market bubble to be here to weigh in just a few moments, George is in Miami, Florida.

Listening to W. R and B George can help user program: I will hear you down here and I up? Were you, I have lunch crossed transaction that I did it right now is holding cash. About $85,000. I have a mortgage feel of 5.35 for about $80,000 left in the band.

I just apply to retirement. I have above 25 to about 25,000 in a IRA and about, then south to catch I have I applied because of my condition that I have and I thought it was wise to apply early the time now on the mortgage. I what do you recommend to use the funds that I have available is this cash money in the money market to bail the balance on the mortgage or use that force investment that we saw today that markets can be so does have a question grade?

I'm sorry, what was my wife is working coloring up partially soap dispensers about okay so are you getting a pensioner what it what income do you have now that you're retired all what basically Social Security and some funds that I have the yeah are IRA okay so the extent of your retirement is Social Security plus the 25,000 in the IRA, which obviously doesn't go very far. So talk to me about your monthly expenses. What is it take roughly for you to cover your expenses.

All in on a monthly basis. About 2120 100 okay and how much of that is coming from your wife's income, 1100, 1200 okay 1100 of that and how long she plan to continue to work. We have discussed again that she likes to let she's a teacher teach the years I will okay and does she have a retirement plan through the teachers retirement system okay so what is your thinking longer term. Once she retires or you're going to try to live on just either of your sin in your Social Security combined income, partially I-9 real estate broker so partially through all their needs obviously but remaining at Caruso centric. You could Social Security retirement. I see okay yeah I think the challenges right now. This is money, that's not in the tax deferred or tax-free environment. So it's taxable money at 62 you're retired, you're not gonna want to take on a lot of risk with this money. The challenges you know you've got roughly 5 months worth of income that's pretty good. I'd like for that to be a little bit higher, but clearly by you eliminating your largest monthly expense that'll bring your total lifestyle spending down what it takes for you to cover your budget because I imagine your mortgage is a big chunk of that 2100, and given that the interest rate is a little bit higher than we would typically see right now at the 5 1/4. 5.3 if the challenges are you going to do that in the market in a taxable account, so you have to invest it. You have to get a rate of return that after taxes is going to be at least 5.35% and it's gonna be in a portfolio that's fairly conservative, given that you're no longer working it. Which means you don't want to be taking a lot of risk so I think the key for you right now would be probably best to just go and wipe out the mortgage but I would try to really keep your lifestyle spending as lean as possible because whatever you were putting toward the mortgage. I would then redirect that hundred percent toward getting your emergency fund up to about 12 months worth of expenses. So about $21,000 and 25,000 and then beyond that, I would then start looking at perhaps taking that money and and investing it systematically each month. I think the key for you all is again to keep your lifestyle as lean as possible stayed completely debt-free so that when your wife does you want to retire that you all can live on what Social Security can provide. And if she can wait until because she enjoys her work closer to full retirement age that will make sure that she maximizes that Social Security check. Between now and then see you get as high a payout as possible because you took probably about a 25 or 30% hit on that monthly check because you took it early, at age 62.

I'd love for her to avoid doing that, if at all possible, I think the other key George is that in addition to making sure you recapture the mortgage payment and put it into savings anytime you sell a piece of property as a realtor. What's not to find ways to spend that on lifestyle spending. Let's suck that money away so you can put away a nice nest egg good again. You know could serve you really well down the road if you all had unexpected. Let's say medical expenses or something like that settle make sense yet regular white okay very good. George told us and we appreciate your call them. Sorry, did you have anything else that felt nothing.

Thank you very good George. We appreciate your call today that you know folks we think about our investments in our retirement. The key is how can we approach this season of life we been diligent savers. We got our lifestyle lien. We've got to all of our debt taking care of them completely out of the way and that's gonna put you in the best position. I think to be free to follow the leading of the Lord during that season of life quickly to Baltimore, Maryland, married just about 90 seconds. I can help you all I find like to know how I get money on how it yes. Was there a beneficiary designated on that IRA money okay all right will yes ma'am, what if an IRA is left without a designated beneficiary or if the beneficiary is deceased, and it's not updated it's paid to your state when this happens it would be distributed by the estate.

The IRS rules dictate account has to be fully distributed within five years, and it would be distributed along with the rest of your estate or with your brother's estate.

So it's going to be falling back to the probate court to determine how this money is going to be distributed I would contact the person who's handling that estate and that they can utilize live lecture to what is my goal is for your financial decisions and just about what back to the phone suing Nashville.

Let's know about pulling somebody from retirement to help her son. Perhaps get into rehab. Lydia's in Orlando wants to know about contributing to a 403B, but first Bob Dall joins us each well normally Monday, although with the holiday yesterday. We bumped it to Tuesday with his market commentary Bob is chief investment officer at Clark crossbar global investments where you can learn more cross Mark global.com and Bob. I got a sneak peek at your dolls deliberations for the week. I saw the title, the Fed has announced the removal of the punch bowl explained that we all know that when things aren't so good come to the aid of the economy by providing all kinds of monetary stimulus, otherwise known as the punch bowl and when the party gets ripped aren't making still in it and what gets riproaring too much and they start seeing people laughing too much to drink. They start to withdrawal the punch bowl and that's what they're doing.

It's all happened last few months the start of it and that is the main reason markets are so concerned about volatility continued to dance on the market was down about 550 points I know each day has its own headlines. What's driving the market right now just for talking about the bond yield backup is the overhang for investor some 10 year treasury yield moved up eight basis points from 180 to 188 shelf today and there up 37 basis points just since the first of the year were about that.

That's a big move from two weeks yes it serious thought.

I know in your attend annual predictions which a lot of folks that rely on to think about their investments for the year you said that you were expecting energy and financials to be among the leaders tells how they're doing and not go on and thank the good Lord and near whatever it takes. They are the only two sectors litter up your date so I would like to end that prediction right now. Thankfully the Leos were overweight, though sector so were benefiting from the two sectors that are up Lamont amongst all the carnage… Put a checkmark behind next of those and move on. Talk just to have both domestic and global growth. What are you seeing in terms of how strong the consumer is and what you're expecting. Moving forward this year for corporate earnings picture where thinking that the US and global economy is good but not as good as the record-setting pace last year, but above long-term trends and, importantly, picking up overseas and that bodes very well for earnings were in the early days Rob as you know, of releasing fourth-quarter earnings in the reasonably good there. There's some blemishes there with a reasonably good and we think with a strong economy will get good earnings this year and that's key to having the market be okay.

This year, you know you remember the scene we have for 10 prediction tug-of-war between earnings tailwinds. That's the good news and valuation headwinds.

And that's the bad news, and that we think is going to be a standoff. Interesting. Sorry Bob will appreciate you checking in folks who want to learn more about Bob Dall across more global investments.

You can do that across more global.com there on the homepage. You can also subscribe to receive Bob's dolls deliberations, which is his weekly investment commentary. I rely on it weekly. Bob regretfully stop by today in six days. Lord willing, I got blessed my friend back to the phone today. Nashville, Tennessee a great town.

Sue, how can I help you take my call. He is mentally L fidelity Medicare, Medicaid is just so broken. There are good on their private sector programs out there that they didn't cost about anywhere from 10 to 16,000 a month where scarcely considering that that idea to pull far from my retirement if they do not backdrop where 56. Think when a good plate. Honestly, I feel little selfish not wanting to do it well so I can understand the real challenge that this is me.

Clearly, you want your son to be in a better place you wanted to get the help that he needs you know ultimately were concerned about his spiritual condition and then beyond that, we want his physical needs Madsen for the Lord to let him to break through on whatever strongholds he has in his life. And clearly, rehab can be a part of that.

The extent to which you will have the ability to do so. I know you would want to do that. And yet you've got a look at both the financial and the nonfinancial side, financially speaking, the first question is can you afford to do it, and sometimes the Lord may lead you to things on paper. You don't feel like you can afford to do.

And so I wouldn't say that you know if you feel that the Lord is leading you this way you shouldn't note completely discounted just because maybe you're not quite where you want to be financially in terms of your retirement savings, but you should take a look at that and perhaps if you haven't done some retirement planning just to see where we had our we had are we behind and what are we going to do to fund our retirement when were unable to work down the road so you can factor this decision and from a financial perspective with some real understanding of where you're at. I would connect with an advisor to do some retirement planning. Somebody can help you take a look at that in terms of the actual implications of pulling from retirement accounts. There are some exemptions that potentially could allow you to take funds from a retirement account when it's for medical care expenses for dependents and new through a hardship distribution, you could perhaps not have to pay any penalties that would've otherwise been paid, you would have to added to your taxable income, but you perhaps could miss the penalty if it's the amount you're taking is limited to the amount of need. What's needed to cover the immediate you know financial need that relates to the hardship so I would check with your CPA or accountant as to whether or not this would qualify in your situation, but that would at least help you get a good bit of the money going directly toward the need that exists there. In this case rehab as opposed to you having it go not only to taxes but also to pay a penalty if that applies here and then there's the nonfinancial side. The just says you know is he pursuing the best course of action is he really willing to get help and stick with it and you know is this a solution that has good long-term prospects for as he demonstrated that he's not willing to stick with it and do the hard work in your that's something you're going to have to observe and get some wise counsel somebody to help you make those decisions because you don't want to take lightly the fact that you're potentially pulling from your retirement account to help fund this. And yet if it's going to be part of God's plan to help them break through this and clearly that would be something that I suspect you and your husband would want to do so. I think the bottom line is, yes, this should be an option. Yes, there might be some tax benefits because of the situation, but you need to approach it with a lot of prayer a lot of wise counsel you need to observe what he's done in the past what you truly believe he's willing to do moving forward because I think the nonfinancial side of this him getting to a good place in his placing his trust in Jesus Christ as Savior and breaking through in dealing with the physical issues that he has that are holding them back that have them in bondage right now I think are paramount and money can be helpful in solving that it can also create more problems and put you all in a real difficult spot to so I would get some financial counsel I get some nonfinancial counsel and then we'll just ask the Lord to give you some real wisdom here is you make this decision, Sue.

I wish I could give you a definitive yes or no unfortunately I can't but hopefully that's helpful to not live.

Thank you so much already got bless you Sue.

We appreciate your call will S there moneywise community to be praying for you where to finish today in Orlando, Florida Lydia, you've been very patient. How can I help you all your yes I sure do regret it again or have a pension plan.

I contribute to about 20% of oral history or three knee and I'm wondering at the best option or should I put mine aside outside of my education are sold rather well I think you're doing a great job you Lydia what is your age you don't mind me asking 4545 okay so listen, we typically say put 10 to 15% away for retirement.

You're doing 20 that's great. Now if you're starting a little later that may be perfectly appropriate so I don't know nothing that's too much but I love the fact that your prioritizing this and putting a significant percentage away if you do that every paycheck that's gonna really help you make sure that you have what you need to supplement Social Security and cover your retirement expenses when you're unable to work in the future. Beyond that, I really like the Roth 403B because you're paying the taxes upfront which means all of the growth is going to be tax-free. So let's say that money grows with the 20 years or more. We know in retirement all the games that you have built and are going to be 100% tax free when you take them out. That's a really good thing because there is a good likelihood that tax rates will be much higher than they are today down the road. Even though you're earning less and all these gains you will have to pay any taxes on them whatsoever so affected you're doing 20%.

The fact that it's a Roth 403B. I think both of those I would put checkboxes in and say you're on the right track. To some extent. I have more than anything I should be looking into. I don't think so.

No, I think as long as you're putting what you're doing away right now that's got plenty going in retirement know anything about windows just do some retirement planning just to project out the track picture on so you have a good understanding of what you have down the road. Whether that's missing G you're on the right track. Make a great decision.

So I think you covered all the bases.

Appreciate your call today Lydia that's good for us moneywise.

Life is a partnership between radio and moneywise media think cavity answering the phones today that Anderson engineering is producing using Robert Sutherland research today is tomorrow will see