Ask Terry
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Credit/Debt
Student Loan vs Credit Score
My daughter has a few hundred dollars remaining on her student loan at 2.5%. She has no other debt and..
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Financial Planning / Retirement
Mortgage and 401k
Hi Terry, I’m just recently divorced and am waiting on a $200,000 check from my ex-husband’s 401k. My brother wants..
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Wild Card
Real Estate
Hello! I realize this question might not be in your wheelhouse, but perhaps you have business associates in real estate..
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Chicken Money
Rainy Day part of Chicken Money
How much money should I have readily available in the rainy day fund, if my monthly expenses are covered, and..
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Investments
Private markets investing in Empower 401k
Hi Terry, I am 68 years old and I have a few hundred thousand dollars in a 401k. I was..
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College Savings / Student Loans
Repayment of student loans that are private through Sallie Mae.
My daughter received a sports scholarship, her first two years of college. Then she left the school and applied for..
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Insurance & Annuities
Variable and fixed Annuity
Our investment company, is asking my husband and me, to get a new annuity from Jackson, called a Lifetime Check...
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Social Security
Wife taking 1/2 of husband’s SS
I am now 75. I have been taking 1/2 of my husband’s SS ($1336) since I retired at 65. Should..
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Housing / Real Estate
CC real estate tax increase
My real estate tax market value ( per 2025 reassessment notice) has ballooned 290% for upcoming 2026. I have called..
