Regrouping After a Loss
2024/11/2
Jill on Money with Jill Schlesinger
J
Jill
获得艾美奖和格蕾西奖的商业分析师，主持“Jill on Money”播客和广播秀。
P
Pam
Jill: 十月份的就业报告显示新增就业岗位数量少于预期，但这并不一定意味着劳动力市场正在萎缩，可能受到罢工和飓风等因素的影响。数据应谨慎解读，不能仅凭一份报告就断定劳动力市场走势。尽管十月份就业报告数据不佳，但连续46个月的就业增长、工资上涨等积极因素也值得关注。
Pam: 丈夫去世后，Pam面临巨额遗产的分配和未来生活规划问题，她需要理清财务状况并制定合理的投资和生活计划。她计划将部分资金投资股票，但对市场关联型投资产品存在疑问。她目前有一百万美元的存款，但她需要考虑未来生活支出和子女教育费用。她有大约35.4万美元的529教育储蓄账户。她估计每月至少需要1.5万美元的开支。她丈夫留下了约143万美元的年金账户，其中一部分是非合格年金。她计划在孩子高中毕业后搬离目前的住所。她的儿子计划就读医学院，女儿可能就读护理专业的研究生课程。
Deep Dive
Pam, a 54-year-old widow with three children, seeks advice on managing her finances after her husband's recent death. With significant assets, including life insurance, retirement accounts, and a paid-off house, she's unsure how to proceed and seeks guidance on investments and financial planning.
- Pam's husband passed away three months ago.
- Pam has three children aged 25, 22, and 18.
- Pam's husband left substantial financial resources: $4 million in life insurance, $1.43 million in annuities, $372,000 in a separate IRA, $1.3 million in a brokerage account, and a paid-off house worth $650,000-$700,000.
- Pam is currently working with a fee-based financial advisor but is unsure about the advisor's investment strategy, which includes individual stocks and a market-linked investment.
- Pam's desired monthly spending is $15,000.
- Pam also has a 529 plan with $354,000 for her children's college education.
Shownotes Transcript