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its the weekend and you have financial questions that need answering that can only mean one thing its time for Jill on money the show that takes the mystery out of your finances heres your host Jill Schlesinger welcome its 20/20 first show of the brand new year welcome welcome thanks so much for joining us we always appreciate you taking the time we are broadcasting live from the Capital One studios Capital One whats in your wallet hopefully youve got a little bit of money in your wallet after the holidays maybe a few financial resolutions you got looming I dont know perhaps if not thats okay maybe well just sort of ease into it every time you think of a financial question I want you to say to yourself I should email Jill the email address asked Jill at Jill on money.com wed be happy to help you out lets start the show with Matt hes calling from Maryland hi thank you so much for taking my call of course I am a teacher in Maryland and Maryland has a teachers pension system a