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1

I am getting ready for retirement, hopefully in the next four years.

2

And I want to find out if I'm ready for it.

3

Being that I had just purchased a new home last year, I put down about 30%, and I still owe about $220.

4

But I want to find out if the $600 ,000 that I have in my 403B, I have my three months worth of expenses,

5

and I'm on baby step six now, wanting to pay off that mortgage.

6

What do you make?

7

Right now I make about $150 ,000.

8

Good for you.

9

And I know my pension will be about $98 ,000 a year.

10

Wow.

11

You're in great shape.

12

I don't know if I feel like that.

13

Is your $220 ,000, that's the mortgage, and you have $600 ,000 invested.

14

Is the $600 ,000 invested in good growth stock mutual funds?

15

Is it growing?

16

I have the option of putting what I invest now, which is 17 % of my salary, in like a fix.

17

No, we don't do fixed.

18

I'm scared.

19

7 % sucks.

20

You should have some good mutual fund options of some kind in that 403B.

21

I want you to be in good growth stock mutual funds, something like an S &P 500 type of a thing.

22

And you've got four more years.

23

You said you're looking at a four -year horizon.

24

If you invest your $1 ,800 or your $1 ,900 a month, that still gets you to $1 ,042 ,000.

25

And don't take it out.

26

All right?

27

Just ride it.

28

Because you're going to be making $100 ,000 a year as a pension.

29

And in that five years, get the mortgage paid off.

30

And then that house is going to be worth a million dollars and you're going to have a million dollars.

31

And by the time you get to 70, you're going to have four million dollars.

32

So you're going to be fine.

33

Live on your pension and let this all grow.

34

I think you're in pretty good shape.

35

I just don't want you to be in fixed.

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