Jill on Money with Jill Schlesinger To Pay Off My House or Not?
6 snips
Jan 29, 2026 Conversations revolve around whether paying off a mortgage or keeping liquidity is smarter for a young family expecting twins. Strategies for parking house-sale proceeds are explored, including CD ladders and short-term cash vehicles. The value of a 1.25% adviser fee gets debated. A retirement bridge plan and steps for staging investments are also discussed.
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Juice Income With Cash And Short-Term Instruments
- If you need modest extra income without risking principal, build a ladder of CDs and short-term bonds.
- Mix cash, CDs, and short-term bond funds to slightly boost yield while limiting risk.
Reassess Or Pause Costly Advisory Fees
- If an advisor’s fees feel high and deliverables are limited, negotiate or pause the relationship until you need deeper planning.
- Ask the advisor to provide the missing detailed withdrawal and tax strategies before deciding.
Advisor Value Often Emerges Later
- An advisor’s value often shows up later around retirement through tax and withdrawal planning, not just initial setup.
- Keep open communication to extract more targeted planning if you think the service is incomplete.