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The Best Career Fields in 2022

MoneyWise / Rob West and Steve Moore
The Truth Network Radio
January 6, 2022 10:17 pm

The Best Career Fields in 2022

MoneyWise / Rob West and Steve Moore

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January 6, 2022 10:17 pm

Our work should glorify God. That makes choosing the right career field especially important. So, if you’re deciding on a career path or looking to make a change, join us for today's MoneyWise Live, and host Rob West will share a list of the best careers for 2022. Then he’ll answer your calls and questions on various financial topics. 

See omnystudio.com/listener for privacy information.

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We are his workmanship, created in Christ Jesus for good works, which God prepared before we should walk around with our work should provide God that makes choosing the right career field especially important if you are deciding on a career path are looking to make a change.

I got a list of the best careers for 2022 minutes of your calls at 800-525-7000 800-525-7000. This is moneywise live biblical wisdom for your financial decisions. I should best refers to careers where you most job growth in the months and years ahead which should always be one factor in your decision. You don't want to spend money or worse borrow it to pursue a career where you won't be able to find a job or find one that pays enough to meet your needs. Yes career satisfaction is important, but so is earning a living. So first on our list. And these aren't in any particular order is healthcare as you can imagine the COBIT pandemic hit this field hardened healthcare providers are in huge demand estimates show the between 200,000 and 500,000 new registered nurses will be needed in the next five years. That's because about 30% of them report their considering leaving the field. You need a bachelors degree and a license. But the median annual income for registered nurses is $75,000.

If you're thinking about going a step further. About four years of med school in three years of residency. Further medical doctors will be in high demand in the next decade with nearly 20,000 new physician positions opening up there's a lot of education and on-the-job training.

But if you make it through and become board-certified. The annual median salary for a medical doctor is drumroll please over $210,000. Here's another one that's been hugely affected by the COBIT supply chain management. These jobs include purchasing logistics and distribution. If you're good at math and like tinkering with systems to make them run efficiently. This field is for you that you will need at least a bachelors degree in the median annual salary is $85,000. It didn't come as a surprise that IT makes the list as well. The information technology field is constantly expanding. Many of these jobs are now offered with the ability to work remotely. So if you'd rather spend your time with code than with people. IT is something to consider. The Bureau of Labor Statistics predicts that 300,000 new IT positions will open up before 2030, the median salary is around $100,000 a year. You don't necessarily need a degree for IT work, but it will certainly provide more opportunities than not having one. If you do like working with people. Human resources is expected to be another field enjoying significant growth in the years ahead with nearly 50,000 new jobs by 2029. You also need a bachelors degree to advance in human resources but expect an annual median salary around $65,000. Financial management is another biggie, job growth, there is expected to increase by 15% over the next 10 years, you'll need a bachelors degree, but many companies prefer candidates with an MBA. It's definitely worth it, though, is the median annual salary is around 120,000 if you like to build things or better yet watching and supervising other people, building things, construction management could be for you, you'll usually need a bachelors degree to become a construction manager at the annual median salary is around $100,000 okay so for all of these have required at least a bachelors degree. But what if colleges and for you. What about jobs that don't require that level of education, welfare, not there are plenty if you're good at handling stressful situations, you might consider a career as a police officer. You'll need a high school diploma and a drivers license and you'll have to pass written and physical testing and go through cadet and on-the-job training. You can expect more than 40,000 new police officer positions opening up in the next decade, with the median salary of $65,000 and if you like tinkering with nuts and bolts, consider a career as an industrial machinery mechanic.

Employers are likely to offer on-the-job training for these positions and you can expect more than 60,000 industrial mechanic positions to open up by the end of the decade. You also need a high school diploma or equivalent in the median annual salary is just over $5000. Well, those are some of the top career fields for job growth in the years ahead, we hope you will find the information helpful as you use your calls and asked 800-525-7000, Weston. You're listening to moneywise live with the wisdom for your financial decisions. Thanks for joining us today moneywise live on Rob West, your host. Glad to have you along with us today as we explore the Scriptures and apply God's timeless financial principles to the questions and decisions you are making each day related to God's money where stewards. So let's together handle God's money well and when we apply biblical wisdom well were putting ourselves on the track to experience God's best. We got slides open today.

Perhaps one is for you with whatever question you're dealing with 800 525 7000s in article 800-525-7000 will begin today in the Twin Cities and I thank you for calling. How can I help you. Thanks for having $100,000 life insurance policy with a cash value good and sell an age 94 would it be wise for me to increase the amount and pay additional premium to extend the benefit and tell I'm age hundred. Well let's first talk about the purpose of it. So with a whole life policy.

There's a death benefits and then there is a savings component are you carrying this policy into your 60s and beyond, specifically for the death benefit. Are you primarily looking at it as a vehicle for savings and for my family okay and so are you looking at this to offset a need that would exist as a result of your passing or is it intended to be on inheritance of some kind, just inheritance okay without them. And the only thing I would look at is whether it makes sense to continue to pay it because as you age. Obviously, the mortality expense increases as though they ensure your life you're going to spend more and more toward the death benefit itself, and then the savings component and arguably you could do better.

Outside of that insurance product depending upon your what your risk tolerance is in your goals and objectives. So I guess the starting point is to say, would you be better off just taking that same amount and redirecting it toward an asset that could go hundred percent towards your savings and investments as opposed to continuing to fund this mortality expense because if you are healthy and you live a long time in the Lord Terry's then you know your spent a lot of money about the age hundred to fund this death benefit and what if you were to take that same amount of money and redirected some other place you know and then you would have access to that money. If you needed it throughout your life but you would also be building wealth that then could be passed on as an inheritance. So, depending upon your goals. I guess that would be the first question is are you sure it makes sense to continue to pay the premium if really the goal is ill only to pass it as an inheritance as opposed to, the primary need for life insurance which is typically to offset the loss of an income or an added expense that dependents would incur as a result of your passing. Talk to me about that part of, well, I wouldn't have any other debt payment and Herod are need to take care of so you mean if I took the cash value and invested that yeah that's what I'm saying and keep in mind that you know what's going toward this policy every month. A portion of it is going into the savings component of the policy, but a portion of it is just going to fund the mortality expense that's related to your age and what it cost to ensure your life and I guess my question is, what if you were to take that whole premium and invested, would that be a better option so that 100% of that money is working for you as opposed to some of that going to the life insurance component of it. Given that there may not be real need that exists apart from you, just wanting to best bless your family know with the life insurance proceeds. So I guess that's the piece that I'm looking at. If you know they're not your estate is going to take care of your debts and anything you have. So the question is do you want to just pass your assets to them or do you want to pass your assets.

Plus, this insurance policy and then the question is what is going to cost you between now and when the Lord calls you home to continue to pay for this policy and does it make sense to put that much money toward a death benefit that they may not really need. Does it make sense that when I premium is only $45 okay and what is the death benefit hundred thousand okay and so your euro is sending $100,000, usually $45 a month for $100,000 with the death benefit so that the the rest of that mortality expense is probably coming out of cash value that you've accumulated of you seen a statement on that policy to show exactly what it's costing each year to continue to maintain that hundred thousand dollars yes and that's what triggered this question because I think that I would even need to pay any premium and still have that debt benefit at age 94 right so they're using the cash value that you've accumulated to fund that mortality expense and so that the balance is going to be declining so the question is, would it make sense for you to go and surrender the policy and take the cash value and invested or leave it right where it is, what is the cash value today that you've accumulated about 8000 but $1000 okay and you been paying on this policy for a long long time.

Right since 91. Okay yeah so you put a lot into this well II think you know perhaps the key is because essentially it's Artie paid up to have somebody evaluate this just to analyze your what makes the most sense given what you already put into it.

The cash value that exist today and the death benefit that's coming and what it's going to take for you to continue to Maine this problem maintain this policy to I think you said it's currently good. Be good through age 94 is out right.

Yes. Which which you may make more sense just to leave it right there so I would have somebody who can read the fine print help you understand what you put into it. Make sure you're clear on what it's gonna take to get you from here to age 94 and then look at that all option to extend it to age 100, and just analyze this policy for you somebody whose objective who could give you some real wise counsel on that so many recommend you connect with one of our certified kingdom advisors there in the Twin Cities to look at this policy and help you understand what your next steps are. Could be that you'd want to just hang on to what you've got. Given how long you've been investing into this, but I'd want to have somebody just look at the fine print read it over and make sure that is in fact the very best decision you can find a CK there in the Minnesota by cutting to our website moneywise live.org just click find a CK and listen and all the best to you in the days ahead.

Thank you for your call Wendy's in Chattanooga, Tennessee, by the way lines are open 800-525-7000 Wendy, you're next on the program. Go read Graham.thank you for sharing it. The individual you need to have multiple checking account multiple debit card and wont tell me what you're thinking. There in terms of why and then you may just be asking and without any specific reason.

That's fine, but I just curious. Was there something specific that was driving you toward considering having multiple accounts lately about three years ago, my identity was stolen and I had my purse was stolen. But I had a couple of debit. I had a debit card on me but the energy were in my part and no you know I did think and do I need multiple checking accounts with multiple bank or should I have everything in one checking account when dictating the account is a great question and I think I wouldn't advise you to keep multiple checking accounts you may want to have multiple savings accounts at one institution, especially if there's no fees associated with them. If you wanted to earmark them for specific savings goals and that's just a simpler way to do it but in terms of maintaining multiple checking accounts across multiple banks. It really just adds more hassle than I think it's worth in terms of any kind of protection or efficiencies you would gain as a result of that either. Based on a potential failure of a bank or your information being compromised because it's just keeping up with multiple accounts and trying to figure out where did I make my deposit to know what has balances and what place in which no account of my get to spend from the mean.

Typically, we have direct deposits going into one account and then we spend out of that account and then I'd recommend you have a separate savings account. Perhaps at another institution. I generally recommend the online banks for the savings account because you can open a free savings account with at least 1/2 a percentage point today and interest link it to your checking and then you've got two different institutions and it's always a Noah transfer away but in terms of trying to maintain multiple checking accounts. I just don't think it's very efficient and in terms of the safeguards as long as you're keeping up with your account, your monitoring it regularly.

If you have an account lost or card lost immediately. You know going on. Deal with your smart phone app logging in online and you know clicking to block that account or that debit card. There are protections in place that I think will allow you to really safeguard yourself. And so, given that I just think it would be more hassle than it's worth this all that make sense though not hired an banker and he said never. That card always carry a credit card and panoptic head. It it compromised on that purchaser something then you can stop that where the debit card that money on yeah so that's that's something to look at it and there is protection against debit cards.

The challenges it's dip more difficult to get it back because in its compromise, the money comes right out and then you have to wait for it to extort and have some automatic transactions right on that step But more of your back. Thanks for joining us today and moneywise live as for your financial decisions. Lines are open 800-525-7000 for your questions on anything financial just before the break we were talking to Wendy and she asked the question just there at the tail end related to the security of debit cards and it's a great question because although there are some protections in place as long as you report fraud within a timely basis, which is generally 60 days. It can be a bit more of a hassle in the sense that if your account is compromised. Keep in mind of the debit card that monies coming out immediately and instantaneously, which means any outstanding checks or automatic recurring transactions could bounce and there is the hassle factor while you're disputing the fraud and waiting for that money to be restored so you just have to recognize that the flipside is bit make sure that you don't go into debt because with the debit card.

You can only spend what you have, so there is protection but it's a bit easier to work with on a credit card because you have the same protections and the money is never taken from your account.

It's disputed, you never have to pay it and you're not out anything from your financial accounts.

As long as you disputed on a timely basis of just recognize that and I think there still benefits to having either of them. As long as you understand what you're getting into our lives it back to the phones to cab Illinois hi Frank answer: how can I help user like take my call. The question I'm going to retire in just over two and half years and I'm going to get a truck because my car have about 200,000 miles on it. I won't have a house payment, beauty, and here I have my car.

Also start saving up for my truck when I retired now my question is like to do it.

Take the money out of my 401(k) after I retire to pay off the truck would be better to take what I say put money down and take out a three year loan paid off which one will be more interest if I take it on my 401(k) I got pay interest on correct well you don't see interest, but it will be taxable to you, so it'll add to your accident. Your taxable income for the year in which you withdraw it and then you'll have the loss of any kind of return you would have received by the investments that are in it now.

There's the potential for loss just as great as the potential for an increase but bottom line is that money is no longer working for you and whatever investments have been selected so you're missing out on that and then it's added to your taxable income. The benefit is that then you own the truck, free and clear. Obviously with the loan that you would take out for three years. You guy have some interest there so I think it really comes down to what is your investment strategy and would you rather stay with that with that money. Hoping that you're going to earn more overtime in the 401(k), then you'd pay in interest expense for the truck because you can have to pay the taxes at some point when to take that money out of the 401(k) either now or later and were probably not get to see tax rates any lower than they are today.

In the future. So I think from a tax standpoint now is probably as good a time if not a better time to take the money out. The question is just beginning earn more with the investment you have in the 401(k) that you would be paying an interest on that loan.

How is that 401(k) invested the diversified okay get put 3000 in a year and work matches the 3000 so I do that but we got other retirement investments through the bank and all that which is our main mainland that were drawn on so moneywise we won't be too bad. I'm just trying to figure out why spend the money out right that way don't have a monthly payment because like I said I'll have everything paid off. I don't have any expenses I'll let you feel like you got enough in retirement savings apart from his 401(k) and there's a portion of it that's in a very conservative position.

I'd probably say less is going to get out of the 401(k) and UV complete debt free. How we got had a break here, but you and I'll finish up off here if you just hold the line. My best recommendation based on what I know, though, is going pull the money out By the truck out right down the line moneywise level return after executing of the moneywise live difficult wisdom for your financial decisions are moneywise weekly wisdom email came out today of the theme is where do you see yourself in five years give you something to think about right there at the beginning related to your long-term planning. There's our recommended reads with the best career fields. In 2022. Four essential questions for a wise steward's estate and a great article on the best way to close credit accounts. That plus or trending podcasts and or verse of the week. It's all there are moneywise weekly wisdom email. It just went out today and will be sure to get you a copy when you create your free moneywise account@moneywiselive.org that's moneywise live.org you can sign up today.

I would get a few lines open.

Here's the number 800-525-7000 just a moment will be with the Linda in Illinois brads in Indiana. But first, Sheila is in Wichita, Kansas and Sheila. I understand you have a credit score question is all right during it on my credit score with like 639 and just a day or two ago.

I have the credit card map and they sent Anthony and Eric changing and went down and looked into it and went down 31 point think how hunting can clarify the got blanket point that I content union.

I finally got to talk to guy in sending night credit report free for me that he couldn't tell me Matt's email that found that I that I just paid off to personal and he said you know you can get back and decrease her credit defect.

It is where those when you say personal loans were they being paid to institutions that were being reported to your credit report, or were they truly personal just between you and an individual personal loan for company.

So that's exactly right now. Your credit score can drop Sheila after you pay off alone. And here's why it changes what's called your credit mix, which is the different types of loans you have outstanding so your credit mix accounts for 10% of your score.

Oddly enough, the more kinds of credit you have mortgage car, you know, car loan, credit card, personal loan, the more it helps your credit score, so if you close a revolving account like a credit card that can lower your score even more because it reduces your available credit because the limit that was available to you is no longer there. In the case of fun installment loan like you likely had it doesn't get into credit utilization, but it changes your credit mix.

Also, if those accounts were older accounts versus the other active accounts you have in your credit file that can affect it as well because history how long you've had credit is a key part as well and those accounts may no longer be being factored into the algorithm to generate your score. But here's the bottom line, I wouldn't worry about that too much of me. I certainly wouldn't pay a dime of interest on a loan and keeping it open just for my credit score. We want to get out of debt want to pay off accounts. We want to close account. That's a good thing. And as long as you're a non-time payer every month as long as you keep your balance is zero or low. Certainly for revolving accounts below 30% of the limit, you're going to be rewarded over time is it without you having the late payments or anything like that and that dipping your credit score will recover in no time at all.

As long as you keep making good choices so I wouldn't worry about it. I know it can be frustrating but bottom line is, unless you're out seeking new credit here in the next few months.

It's really not gonna make a difference anyway because your score is changing all the time and you just keep keeping it on time payer and that that score will recover okay and sonic ticket. I felt like it like European honey if you have alone early in the right and and here's the thing is, the algorithms are designed to determine how likely you are to repay as agreed and so they look at you know is a part of this formula that's guarded, like the Coca-Cola secret you know there's all kinds of factors that say whether or not you know you are likely to repay in one of those is how well you manage your credit so do you have different types of credit.

What tier of lenders are they are you in on time payer how much do you charge versus the limit many different kinds of accounts do you having all of these things factor into whether or not you're a quote unquote good credit risk, but they don't always point to sound money management decision-making. Because, again, as you said your rewarded for having more open accounts as long as you're paying them on a timely basis so I would say you just keep on doing what you're doing. It sounds like you're making good choices and I wouldn't think too much about the credit score. We appreciate your call today. I brads up next.

In Indiana Bragg redhead hi, here's my question.

My wife and I are 20% to a 30 year mortgage. We were looking at reducing our interest rate spoke with our lender and they proposed a interest rate that pretty much what we've never refinanced so it would greatly reduce almost in half. Our current interest rate, but it comes with a new 30 year mortgage so trying to decide here what wisdom is obviously reducing the loan by half, the interest rates means that if we continue to pay what were paying we could pay down the principal faster and pay the loan off and have less interest, but at the same time, there's that balance of okay but working out. Get a new 30 year mortgage and you know at this point do we want to go that direction. Any thoughts there. I love thoughts. Yeah that would violate for me to the reason why you'd want to get a refi you. I want you to cut the interest rate by at least a point. Hopefully point 1/4. I would not want you to extend the term one month. If you don't have to and I want to make sure that the expenses are no more than 2 to 3% of the loan value of what you refinancing the reason there. Try to talk you in the new 30 year mortgages because there to make more on that loan because that interest rate you even though it's lower than what you have now is good to be spread over 30 years now. You're right, you can accelerate that and you can, in effect, say run me an amortization schedule on this 30 year loan with a 10 year payoff and they tell you exactly how much you need to send to make it a 10 year mortgage and you could do that. My problem with that is phenotypically folks when they feel the squeeze will revert back to that schedule monthly payment, and end up paying on it longer.

So I guess the question I would ask is why not go for a new 10 year mortgage which instead of just under 4%, you should be able to get at around 3% or even sub 3%. Have you looked at a 10 year notch and that's why I'm calling and yeah this long since it's with the lender. They're basically saying hey you know, no closing costs. You don't have to send anybody out to look at the house and and then do anything were willing just to get out.

You sign the papers and and will do it and in a while it sounds good. I'm needing some invite well and I think that's the key.

I here's the thing with the end of the day as long as you're disciplined and you're comfortable with, you know, making sure that you're going to take this 30 year and turn it into a 10 year by sending enough to pay it off in 10 years. That's okay, but ultimately comes down to what's the total amount of interest, or to pay.

What is the cost for the refinance so I'd asked him to give you their best offer. Asked him if he'll give you a 10 year offer as well and then go get two more quotes from other lenders, preferably online banks and bank rate.com and let's compare a new 10 year note under 3%. Hopefully with low closing cost what they're offering and find out which one is going to save you the most money stimuli will finish up off the air. This is moneywise live moneywise live in our team spent years developing a moneywise have I think it's the best money management system on the market right in the palm of your hand and you can maximize the moneywise by being a pro subscriber. Right now there's a special offer the lowest price we've ever offered to become a moneywise pro subscriber@moneywise.org/Pro that's moneywise.org/PRO your pro subscriber, you can connect all of your institutions download your transactions immediately instant and intelligent categorization, unlimited categories, you get all the reports and priority support with one-on-one meetings and messaging inapt all of that's available when your pro subscriber. It's a great time to learn more about it again moneywise.org/PRO start, let's head back to the phones.

Linda is in Illinois.

Linda how can help you separate property and I'm only one on mortgage and I wanted to know what it beats the books I wouldn't want my children to go through probate just in case I passed away.

So is it easy to put them on the title with that keep them from going into probate court. Yeah it will. But I still don't think it's a good option and here's why. You know if your children inherit the property there basis the cost basis on that property will be the current market value.

It's what's called the stepped up basis based on your date of death, which is a huge benefit to them at sale time because they're not gonna pay the capital gains if they turn around and sell it immediately.

On the other hand, if you put them on the deed. Their basis will be whatever it was when you bought the property so for capital gains purposes. It's better to for the kids to inherit the property to get that stepped-up basis. If you would rather avoid probate. You can put the property or properties into what's called a living trust will cost around $1500 you'd retitle the properties in the name of the trust and then the trust would determine how the properties are passed at your death or based on some triggering event and that would happen outside of probate, which it sounds like is your primary objective.

So I think were you need to go from here. Linda is schedule an appointment with an estate planning attorney. If you have one great if you don't, you could check with your church. You could contact a certified kingdom advisor in Illinois and asked for a referral. Every see KA would have a godly estate planning attorney that they work with so II would go in that direction and by the way limit just mentioned.

On December 15 of last year our opening topic was all on this subject of putting kids on the deed, so you may want to check that out as well just add to our website moneywise. I.org and search for the December 15 episode putting kids on the deed.

Or you could just scroll down and find it and you could listen to that but to settle make sense to you yesterday okay very good so I get that meeting scheduled with that estate planning attorney and I think a living trust would accomplish what you're looking for on to Spokane, Washington hey Ray, thanks for calling today.

How can I help I'm looking at changing job yet and I was wondering online tool for looking at a lot of wide variety of different jobs with the basic information you gave at the top of the hour. That would be really helpful yeah yeah there is such a tool to count pay scale.com pay scale.com it actually shows the salaries for different jobs in different markets.

And I know monster.com has a similar tool to estimate and compare salaries for jobs in various fields so I think those two may be a great starting point for you to get your point in the right direction. Okay thank you yes Cindy Ray, thanks for your call today. We got Doug Koller from Indianapolis.

This is an anonymous caller go right ahead, and personal and they are no air bar and they are not considered inherit Eric. Are they, you know, it would be up to the probate court to determine who would be the rightful heir to the estate.

Is there a specific asset you're wondering about. Okay, tell me about that till it will want and I guess okay and was there a beneficiary named on that IRA is not only the one on one with like attorney told me there was no beneficiary. That's when he told me I see okay which is a good reminder to all of us to make sure we keep those beneficiaries updated on those accounts that would be up to the probate court to your foot to determine you know this, the person is legally entitled to collect an inheritance bill is dictated by the last will and testament.

If there is not one deal errors who inherit the property would be children or descendents. Other close relatives of the decedent so that would be the estate skews me the probate court's decision ultimately if he's died intestate, or if there is not a benefit beneficiary name to determine how these assets are passed so you would want to just work with the probate court to make sure that that is handled according to how the judge determines it should be passed in your there to facilitate that. So I know this can be challenging but I would if you haven't already filed.

Make sure you do that in a timely basis, so the probate process can begin and ultimately they will make the decision if it's not clear either through a beneficiary designation or a last will and testament. If you have other questions.

You could also secure legal counsel as well and estate planning attorney can help you navigate this never a bad idea to get some professional advice. We appreciate your call today.

Minnesota is where Miriam is Miriam how can help you calling concerning timeshare. I was wondering if there is safely to get out of the timeshare.

We bought one about 22 years ago and we paid it and I heard somebody say that you can if you refuse to pay your your maintenance fees. Then they have to foreclose on the property and I don't know if that's true or not. So if you stop making required payments Miriam for a time. Sure you'll hear from the company you hear from their customer service reps.

If you have more than a month or two late and you hear from a collection department and if you still don't pay your account would be typically sold to an outside collection agency that would hound you for payment.

The wall that's happening.

The default will probably be reported to the credit bureaus which would affect your credit score. So instead of defaulting I would try to sell it. You know the best way to go. There is to always start with the company that has offered the timeshare. The management company to see if they'd be interested in buying it back. You could go to a few use the web. There's a forum online called TUG2.com tug and then the number two.com that stands for timeshare users group and there's actually a marketplace. There are people that buy and sell timeshares that would be another option you could look at just giving it back to the company and seeing if they would be willing to take it back just to allow you to get out from under having to make the required payments there. The annual fee moving forward. So I would begin exploring those options, but I would not encourage you. In fact, I would discourage you from just stopping payment because that's gonna require or result in a whole bunch of the things that will not be good in the end. So let's try to get this unloaded at the very least, and preferably get it sold. So you don't have to deal with this any longer. I hope that's helpful to you, Miriam. Let us know how it goes. Along the way. Miller bless you where to finish today in West Palm Beach Florida high Sierra. The last color. How can help trying making money or not. I'm looking very non-trying to find out that her options now is not all right how much we talking about investing right now she's got about 90.1.okay, it's about 28,000 and is this separate and aside from emergency savings that she has in another account. I like for like 35,001 she spent each year on site water. Total expenses roughly right now she doesn't have a car home and I sorry were better the time. Here's what I would do if she is she's got investments elsewhere and this is really her primary savings. I wouldn't put this at the risk of the market. I put this in the high-yield savings account at how my banker Marcus or capital one 360. She's going to get 1/2 a percent a year and that will increase as interest rates go up keep of liquid and secure if she ever needs that would be my best advice. Thanks for your call. Sierra is not as a partnership between Moody radio and Buddy was medial to say thank you to my team today. Amy dad Jim evolve in serving us really well, very much. Thank you for being here also come back and join us tomorrow


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