1 00:00:08,409 --> 00:00:12,189 Robert: September 28th, 2025. Hi all. Robert, the producer here, and 2 00:00:12,189 --> 00:00:14,630 Robert: welcome to the Women and Money podcast, as well as 3 00:00:14,630 --> 00:00:18,569 Robert: everyone smart enough to listen. Unfortunately, there is some storm 4 00:00:18,569 --> 00:00:22,189 Robert: activity in the Atlantic Ocean, and that is preventing Suze 5 00:00:22,190 --> 00:00:25,780 Robert: from transmitting for the podcast today. Nothing to worry about. 6 00:00:25,909 --> 00:00:29,389 Robert: She and KT are safe. Today for Suze School, you're 7 00:00:29,389 --> 00:00:32,449 Robert: gonna get both KT and Suze again, and this is 8 00:00:32,450 --> 00:00:36,790 Robert: from a very special episode we published last fall. Enjoy. 9 00:00:37,790 --> 00:00:39,470 Suze: Now when it comes to money. 10 00:00:40,509 --> 00:00:43,348 Suze: There are many, many things that we have to learn 11 00:00:43,348 --> 00:00:47,380 Suze: when it comes to money, and it's not just about 12 00:00:47,668 --> 00:00:51,098 Suze: what to invest in, when to buy, when to sell, 13 00:00:51,150 --> 00:00:54,790 Suze: what about real estate, what about 529 plans, what about Roths, 14 00:00:54,869 --> 00:00:56,619 Suze: what about this, what about that. 15 00:00:57,040 --> 00:01:04,489 Suze: It's also about emotional lessons, psychological lessons, all kinds of 16 00:01:04,489 --> 00:01:09,500 Suze: personal lessons that we need to learn about ourselves in 17 00:01:09,500 --> 00:01:14,230 Suze: relationship to our money, cause sometimes money can make your 18 00:01:14,230 --> 00:01:17,610 Suze: life easier, sometimes it can make it harder, but as 19 00:01:17,610 --> 00:01:23,309 Suze: you well know by now, I firmly believe that you 20 00:01:23,309 --> 00:01:24,830 Suze: and your money are one. 21 00:01:25,379 --> 00:01:29,489 Suze: And that your money is there sometimes to teach you 22 00:01:29,489 --> 00:01:32,730 Suze: what you need to learn about yourself. There is no 23 00:01:32,730 --> 00:01:35,569 Suze: greater teacher in life than money. 24 00:01:36,250 --> 00:01:40,319 Suze: And therefore when you think about it, if you and 25 00:01:40,319 --> 00:01:44,319 Suze: your money are one, there's no greater teacher in life 26 00:01:44,319 --> 00:01:49,480 Suze: about your own life rather than yourself. And so to 27 00:01:49,480 --> 00:01:53,680 Suze: that end today is gonna be a different Suze School 28 00:01:53,680 --> 00:01:56,360 Suze: because not only is it gonna be about what I'm 29 00:01:56,360 --> 00:02:01,069 Suze: just talking about now, but it's gonna be a discussion, 30 00:02:01,279 --> 00:02:03,040 Suze: a conversation. 31 00:02:04,010 --> 00:02:05,279 Robert: With who? 32 00:02:05,489 --> 00:02:09,520 KT: KT, I'm here, everybody. She invited me to join her, 33 00:02:09,850 --> 00:02:12,089 KT: and I love coming to Sunday school. 34 00:02:12,089 --> 00:02:15,649 Suze: Right, because I think it's important because it is true 35 00:02:15,649 --> 00:02:19,478 Suze: that KT and I are one in so many ways, 36 00:02:19,809 --> 00:02:21,360 Suze: but we also have different 37 00:02:21,630 --> 00:02:26,889 Suze: experiences and different thoughts and different opinions and this today 38 00:02:27,220 --> 00:02:30,660 Suze: I think is a Suze school actually I know it's 39 00:02:30,660 --> 00:02:36,380 Suze: a Suze school that requires thought and a conversation at 40 00:02:36,380 --> 00:02:41,419 Suze: least between me and KT. So I want KT to 41 00:02:41,419 --> 00:02:47,258 Suze: start by reading the email that we got that spurred 42 00:02:47,258 --> 00:02:48,899 Suze: this Suze school. 43 00:02:50,008 --> 00:02:53,389 KT: First, happy Sunday, everybody, and Suze, thank you for asking 44 00:02:53,389 --> 00:02:56,070 KT: me to join you because I really like this email 45 00:02:56,070 --> 00:02:59,740 KT: a lot. All right, it says, Hi Suze and KT. 46 00:03:00,429 --> 00:03:03,750 KT: It's wild how much my life has changed in the 47 00:03:03,750 --> 00:03:08,389 KT: two and a half years since I wrote you. I truly feel like 48 00:03:08,389 --> 00:03:12,019 KT: Suze has been an important part of my life journey, 49 00:03:12,270 --> 00:03:14,070 KT: and I thought I'd share an update. 50 00:03:14,508 --> 00:03:18,059 KT: I finally got the courage to stand in my truth 51 00:03:18,250 --> 00:03:22,330 KT: and acknowledge that I wasn't happy in my marriage, and 52 00:03:22,330 --> 00:03:26,089 KT: I did the hardest thing I've ever done, which was 53 00:03:26,089 --> 00:03:28,059 KT: to leave my husband. 54 00:03:28,710 --> 00:03:31,668 KT: My ex is a good person. I just knew that 55 00:03:31,669 --> 00:03:34,759 KT: I deserved to be happy and to have the kind 56 00:03:34,759 --> 00:03:38,860 KT: of love that the two of you so obviously share. 57 00:03:39,220 --> 00:03:40,550 KT: Is that sweet, Suze? 58 00:03:40,699 --> 00:03:41,050 Suze: Yeah. 59 00:03:41,270 --> 00:03:45,070 KT: That's nice. I thought that was really touching, so. 60 00:03:45,160 --> 00:03:49,470 KT: There was a podcast episode that was especially influential. I 61 00:03:49,470 --> 00:03:53,070 KT: wish I remembered the specific one, but Suze seemed to 62 00:03:53,070 --> 00:03:56,589 KT: have been speaking to me directly in her tough love 63 00:03:56,589 --> 00:04:00,229 KT: Suze voice. So not only you, Anna, I get that 64 00:04:00,229 --> 00:04:01,529 KT: voice all the time. 65 00:04:02,130 --> 00:04:05,020 KT: The pep talk she gave was about the importance of 66 00:04:05,020 --> 00:04:08,729 KT: standing in your own truth and reminding us that we 67 00:04:08,729 --> 00:04:13,720 KT: are strong and can handle hard things. I'm fortunate that 68 00:04:13,720 --> 00:04:17,809 KT: the divorce was very easy as far as splitting assets, etc. 69 00:04:18,348 --> 00:04:21,609 KT: I had enough cash to buy my ex out of 70 00:04:21,609 --> 00:04:25,448 KT: the home equity of our townhouse, and I'm so very 71 00:04:25,449 --> 00:04:29,778 KT: grateful that he transferred the deed to me yet stayed 72 00:04:29,778 --> 00:04:34,998 KT: on the mortgage so that I can keep our 2.65% rate. 73 00:04:35,329 --> 00:04:35,699 Suze: So nice. 74 00:04:35,889 --> 00:04:38,209 KT: He's a good person, she said that. 75 00:04:38,570 --> 00:04:42,820 KT: As far as divorces go, it went as smooth as possible, 76 00:04:43,029 --> 00:04:47,269 KT: and I'm so happy it's behind me. So Suze, Anna 77 00:04:47,269 --> 00:04:52,190 KT: goes on now to say I need another Suze pep talk. Suze, 78 00:04:52,230 --> 00:04:55,500 KT: I'd love to hear about your experience when you started 79 00:04:55,500 --> 00:04:58,709 KT: to make a lot of money. Did you think you 80 00:04:58,709 --> 00:05:02,640 KT: didn't deserve it? Did you feel guilty for having it? 81 00:05:03,100 --> 00:05:05,959 KT: When there are people who have such challenging jobs that 82 00:05:05,959 --> 00:05:11,250 KT: make so little comparatively we know teachers, nurses, so on, 83 00:05:11,579 --> 00:05:15,820 KT: did it make you doubt yourself professionally? I'm in this 84 00:05:15,820 --> 00:05:19,579 KT: situation and I'm really struggling with it due to a 85 00:05:19,579 --> 00:05:23,579 KT: combination of being very good at my job and getting 86 00:05:23,579 --> 00:05:24,540 KT: very lucky. 87 00:05:25,019 --> 00:05:27,488 KT: And then she says that she worked for a company 88 00:05:27,488 --> 00:05:30,769 KT: that had a significant stock price growth, and a lot 89 00:05:30,769 --> 00:05:35,440 KT: of her pay is in stock, so she had a windfall, obviously, 90 00:05:35,880 --> 00:05:39,609 KT: she said, I'll make about 1.4 million this year, and 91 00:05:39,609 --> 00:05:43,450 KT: the thought of that is so absurd to me. I'm 92 00:05:43,450 --> 00:05:47,589 KT: almost ashamed to admit it. I know people would see 93 00:05:47,589 --> 00:05:50,609 KT: this question and roll their eyes at me, but I 94 00:05:50,609 --> 00:05:54,690 KT: can't help but feeling guilty. Remember that, Suze. 95 00:05:55,119 --> 00:05:59,820 KT: I can't help but feeling guilty and under deserving of 96 00:05:59,820 --> 00:06:03,539 KT: my income and the wealth that I'm building. I still 97 00:06:03,540 --> 00:06:07,170 KT: think of the advice that you gave me two and a half years ago, 98 00:06:07,459 --> 00:06:10,579 KT: which is that you never know what will happen to 99 00:06:10,579 --> 00:06:14,100 KT: your income. I know that I probably won't keep this 100 00:06:14,100 --> 00:06:18,010 KT: level of income forever, which is why I'm focused on 101 00:06:18,010 --> 00:06:19,660 KT: saving and investing. 102 00:06:20,010 --> 00:06:23,419 KT: But how can I get out of this mindset while 103 00:06:23,420 --> 00:06:28,839 KT: still staying humble and grateful, yet also acknowledging to myself 104 00:06:29,049 --> 00:06:32,929 KT: that I'm great at what I do? Thanks, Suze. I 105 00:06:32,928 --> 00:06:36,849 KT: would really love to hear from you. So, so sweet. 106 00:06:36,970 --> 00:06:39,130 KT: So what do you, what do you think about this? 107 00:06:39,329 --> 00:06:41,980 Suze: The reason that I chose this email, KT. 108 00:06:43,190 --> 00:06:45,890 KT: And that I wanted to do this because the way 109 00:06:45,890 --> 00:06:51,079 KT: that Anna is feeling is not uncommon. I have gotten Anna, 110 00:06:51,209 --> 00:06:53,970 KT: because now I'm talking directly to you and everybody that 111 00:06:53,970 --> 00:06:58,260 KT: might feel this way, the number of emails and people 112 00:06:58,260 --> 00:06:59,368 KT: I have met, 113 00:07:00,260 --> 00:07:04,488 Suze: that feel this way or come into an inheritance and 114 00:07:04,488 --> 00:07:09,369 Suze: they hide the fact that they've inherited millions of dollars 115 00:07:09,369 --> 00:07:14,760 Suze: from their family yet nobody, not one of their friends 116 00:07:14,760 --> 00:07:19,690 Suze: has a clue. It's like they are embarrassed by money. 117 00:07:20,440 --> 00:07:25,440 Suze: And so it's not just you, Anna, that feels that way. 118 00:07:25,730 --> 00:07:27,329 Suze: What would you say, KT? What do you want to 119 00:07:27,329 --> 00:07:28,059 Suze: say to her? 120 00:07:28,869 --> 00:07:30,299 KT: I think that um... 121 00:07:31,140 --> 00:07:34,220 KT: One of the things I noticed after reading the email, Suze, 122 00:07:34,260 --> 00:07:37,940 KT: is that Anna does know she's really great at what 123 00:07:37,940 --> 00:07:41,730 KT: she does. But Anna, the one thing you didn't say, 124 00:07:41,980 --> 00:07:45,779 KT: I'm so proud of myself. Like she didn't say she 125 00:07:45,779 --> 00:07:48,299 KT: was proud of herself and acknowledging, 126 00:07:48,880 --> 00:07:52,519 KT: to herself or to anyone around her that she's so 127 00:07:52,519 --> 00:07:57,510 KT: proud that she's been able to accomplish this, you know, great, um, 128 00:07:57,720 --> 00:08:02,070 KT: windfall and acknowledgment of how good she is at her job. 129 00:08:02,880 --> 00:08:05,040 KT: But she did, but wait, I have something else to 130 00:08:05,040 --> 00:08:08,200 KT: say that you taught her the other thing that she 131 00:08:08,200 --> 00:08:11,959 KT: acknowledged and, and she's smart because you, you told her 132 00:08:11,959 --> 00:08:12,480 KT: you said. 133 00:08:13,209 --> 00:08:16,920 KT: Anna, you never know what can happen to your income. 134 00:08:17,410 --> 00:08:19,010 KT: It's always a two way street. 135 00:08:19,170 --> 00:08:22,559 Suze: Yeah, I think what KT's trying to say there, right, 136 00:08:22,690 --> 00:08:25,640 Suze: is that your income can all of a sudden increase, 137 00:08:26,170 --> 00:08:28,809 Suze: but it's also true that something can happen in your 138 00:08:28,809 --> 00:08:32,679 Suze: life and you find yourself with no income, no money, 139 00:08:33,369 --> 00:08:38,289 Suze: all of that. But basically, Anna, here's what you will 140 00:08:38,289 --> 00:08:41,849 Suze: come to understand truthfully sooner than later: 141 00:08:42,499 --> 00:08:47,669 Suze: It's not whether you deserved this or not. Just because 142 00:08:47,669 --> 00:08:50,988 Suze: somebody doesn't get money or doesn't have money doesn't mean 143 00:08:50,989 --> 00:08:53,268 Suze: that they're not deserving of money. 144 00:08:54,950 --> 00:08:58,069 Suze: Simply it means that you were in a position in 145 00:08:58,070 --> 00:09:01,349 Suze: the right place at the right time working for the 146 00:09:01,349 --> 00:09:04,710 Suze: right company and it was almost as if it was 147 00:09:04,710 --> 00:09:08,979 Suze: just fate that this would come your way. 148 00:09:10,109 --> 00:09:15,140 Suze: However, if you are not responsible with it, if you 149 00:09:15,140 --> 00:09:19,650 Suze: do not invest it carefully, if you do not do 150 00:09:19,650 --> 00:09:21,929 Suze: the right things with it. 151 00:09:22,869 --> 00:09:26,020 Suze: Oh trust me, the guilt that you're feeling right now 152 00:09:26,020 --> 00:09:29,780 Suze: about getting it will be 10 times as worse as 153 00:09:29,780 --> 00:09:33,289 Suze: the guilt will be that you lost it or that 154 00:09:33,289 --> 00:09:37,299 Suze: something happened to it. How do you get over the 155 00:09:37,299 --> 00:09:40,419 Suze: fact of when I first got money cause I didn't 156 00:09:40,419 --> 00:09:41,299 Suze: always have money. 157 00:09:42,169 --> 00:09:45,340 Suze: You know, the truth is, remember, everybody, I did not 158 00:09:45,340 --> 00:09:49,760 Suze: write my first book till I was 45 years of age, 159 00:09:49,969 --> 00:09:54,020 Suze: even though I was a financial advisor making maybe $100,000 160 00:09:54,020 --> 00:09:57,969 Suze: or $200,000 a year after taxes, OK, whatever that would 161 00:09:57,969 --> 00:09:58,489 Suze: have been. 162 00:09:58,770 --> 00:10:01,599 Suze: It's not the same as when you get a check 163 00:10:01,599 --> 00:10:06,000 Suze: in one year or one month for a $1.5 million 164 00:10:06,000 --> 00:10:10,049 Suze: or $5 million when all of a sudden those million 165 00:10:10,049 --> 00:10:14,599 Suze: dollar numbers start to come up. It's a very different 166 00:10:14,599 --> 00:10:16,598 Suze: feeling now, KT, I just have to say this. I'll 167 00:10:16,599 --> 00:10:18,200 Suze: never forget the first time. 168 00:10:18,869 --> 00:10:25,989 Suze: That I got a check for $250,000 in one month from, 169 00:10:26,090 --> 00:10:28,119 Suze: you know, I had my own firm and that was 170 00:10:28,119 --> 00:10:31,478 Suze: the commission and everything, the fees that I had earned. 171 00:10:32,219 --> 00:10:36,400 Suze: I let that check sit on my kitchen counter. 172 00:10:37,450 --> 00:10:41,380 Suze: For maybe two weeks and looked at it every day. 173 00:10:41,669 --> 00:10:41,799 KT: Why? Because you couldn't believe it? 174 00:10:42,469 --> 00:10:45,789 Suze: I couldn't believe it. The first time I got a 175 00:10:45,789 --> 00:10:52,390 Suze: check for $60,000 when I actually switched from Merrill Lynch 176 00:10:52,390 --> 00:10:56,739 Suze: to Prudential securities, I took a picture of that check 177 00:10:57,190 --> 00:11:00,829 Suze: and I sent it to my mother and my mother 178 00:11:00,830 --> 00:11:06,109 Suze: said she looked at that picture every single day, 179 00:11:06,739 --> 00:11:11,739 Suze: for over a year. Because really amounts of money can 180 00:11:11,739 --> 00:11:17,799 Suze: be unbelievable no matter what. So what would my advice 181 00:11:17,799 --> 00:11:19,219 Suze: be to you, Anna? 182 00:11:20,190 --> 00:11:24,710 Suze: My advice to you would be this fear, shame, and anger, 183 00:11:25,340 --> 00:11:29,010 Suze: are the three internal obstacles to wealth, and in your 184 00:11:29,010 --> 00:11:34,239 Suze: own words you say I'm almost ashamed to admit it. 185 00:11:35,250 --> 00:11:39,169 Suze: With shame, another word for shame could be guilt. At 186 00:11:39,169 --> 00:11:44,229 Suze: times they kind of go together on some level. Therefore, 187 00:11:44,849 --> 00:11:48,690 Suze: you have to understand that you don't want to become 188 00:11:48,690 --> 00:11:53,010 Suze: an obstacle in your path to wealth. And when I 189 00:11:53,010 --> 00:11:54,199 Suze: say wealth. 190 00:11:54,679 --> 00:11:59,299 Suze: The true definition of wealth is that which can never 191 00:11:59,299 --> 00:12:03,349 Suze: diminish because the truth of the matter, Anna, is money 192 00:12:03,349 --> 00:12:07,869 Suze: can come, money can go, but true wealth, how you 193 00:12:07,869 --> 00:12:13,380 Suze: feel about who you are, how you know who you are, 194 00:12:13,590 --> 00:12:18,859 Suze: your own self-worth, when it is grounded in the truth 195 00:12:18,859 --> 00:12:23,390 Suze: of who you are, it can't diminish. 196 00:12:23,940 --> 00:12:28,409 Suze: And you already had the courage to stand in your 197 00:12:28,409 --> 00:12:32,770 Suze: truth once and to do what made you happy because 198 00:12:32,770 --> 00:12:37,359 Suze: you felt you deserved a life that made you happy. 199 00:12:37,690 --> 00:12:42,179 Suze: Why don't you feel that you deserve a life of wealth? 200 00:12:42,809 --> 00:12:44,270 Suze: Why are you smiling, KT? 201 00:12:44,650 --> 00:12:47,080 KT: Because that's what she needs to do. 202 00:12:47,580 --> 00:12:52,419 KT: Anna needs to acknowledge that she did get this incredible 203 00:12:52,419 --> 00:12:56,839 KT: lucky windfall because she's good at her job. The company's 204 00:12:56,840 --> 00:12:59,659 KT: succeeding because of her contribution. 205 00:12:59,929 --> 00:13:03,549 KT: And Anna, man, if it happened to me, I'd walk 206 00:13:03,549 --> 00:13:06,090 KT: around with the biggest smile, so my friends say, KT, 207 00:13:06,260 --> 00:13:09,380 KT: why are you so happy? What happened? I, and I 208 00:13:09,380 --> 00:13:12,728 KT: would tell them I just came into like this mountain 209 00:13:12,729 --> 00:13:16,140 KT: of money and I'm so excited because it's gonna give 210 00:13:16,140 --> 00:13:19,339 KT: me security to pay off my mortgage or do this 211 00:13:19,340 --> 00:13:19,988 KT: or do that. 212 00:13:20,429 --> 00:13:24,440 KT: I would actually tell people and when you share that 213 00:13:24,440 --> 00:13:27,760 KT: right when you share it, you get it out there. 214 00:13:27,760 --> 00:13:32,689 Suze: But bingo, KT because so good. Because do all of 215 00:13:32,690 --> 00:13:36,390 Suze: you remember when I tell you that you have debt. 216 00:13:36,770 --> 00:13:39,320 Suze: And when you hide the fact that you have debt 217 00:13:39,320 --> 00:13:45,510 Suze: from others, it makes you feel less than it's fear, 218 00:13:45,679 --> 00:13:49,510 Suze: it's shame, and it's even anger at yourself for having 219 00:13:49,510 --> 00:13:53,130 Suze: created that debt. So what have I told you to do? 220 00:13:53,520 --> 00:13:58,840 Suze: Go and tell everybody how much debt you have. 221 00:13:59,599 --> 00:14:03,859 Suze: Anna, when you are afraid to tell people of this 222 00:14:03,859 --> 00:14:09,530 Suze: windfall to do it with pride, then the same will happen. 223 00:14:09,659 --> 00:14:14,179 Suze: Fear and shame are ruling you right now. And like 224 00:14:14,179 --> 00:14:17,260 Suze: I said a little bit ago, when you come from 225 00:14:17,260 --> 00:14:22,489 Suze: that place, it is the main internal obstacle to wealth. 226 00:14:22,739 --> 00:14:25,609 Suze: So tell the people that you trust. 227 00:14:26,049 --> 00:14:29,270 Suze: Tell the people that you love. Why wouldn't you think 228 00:14:29,270 --> 00:14:31,840 Suze: that they would be as happy for you as you 229 00:14:31,840 --> 00:14:37,159 Suze: need to be for yourself? Are you kidding me? With 230 00:14:37,159 --> 00:14:41,590 Suze: this money, you now can either pay off the mortgage 231 00:14:41,590 --> 00:14:44,640 Suze: if you even had one on your home, because remember... 232 00:14:45,580 --> 00:14:49,530 Suze: You said in this that your husband, ex-husband was kind 233 00:14:49,530 --> 00:14:53,979 Suze: enough to remain on the mortgage but to give you 234 00:14:53,979 --> 00:14:57,979 Suze: the deed, so maybe you still have a mortgage and 235 00:14:57,979 --> 00:15:02,500 Suze: even if it's at the 2.65% rate, maybe you take 236 00:15:02,500 --> 00:15:06,570 Suze: this money, pay off the mortgage, and free your husband. 237 00:15:07,099 --> 00:15:10,140 Suze: Give that gift back to your husband so he's no 238 00:15:10,140 --> 00:15:12,530 Suze: longer on the mortgage. 239 00:15:13,390 --> 00:15:17,820 Suze: So see this as a gift, not just for yourself, 240 00:15:18,070 --> 00:15:20,539 Suze: but a gift for everybody, yep. 241 00:15:20,799 --> 00:15:22,659 KT: Wait, I need to say something else. 242 00:15:22,789 --> 00:15:23,119 Suze: Go 243 00:15:23,229 --> 00:15:26,429 KT: You need to go celebrate. Listen, if you get a 244 00:15:26,429 --> 00:15:29,419 KT: handful of your best friends or a family dinner or whatever, 245 00:15:29,630 --> 00:15:30,229 KT: go celebrate. 246 00:15:30,335 --> 00:15:34,155 KT: Say, hey everybody, I want to celebrate because I just 247 00:15:34,155 --> 00:15:37,875 KT: had this fabulous windfall. But you need to celebrate and 248 00:15:37,875 --> 00:15:42,554 KT: be strong in all of the convictions that you make 249 00:15:42,554 --> 00:15:44,715 KT: to yourself and to everyone around you. 250 00:15:44,835 --> 00:15:48,705 Suze: So I just want to say something as well. 251 00:15:49,460 --> 00:15:53,349 Suze: If you do get into a situation. You've accepted the 252 00:15:53,349 --> 00:15:58,369 Suze: fact that you have this money and you deserve it. 253 00:15:57,789 --> 00:16:00,270 Suze: You worked for it, you know, and I know we 254 00:16:00,270 --> 00:16:02,750 Suze: keep saying the word luck. I'm not so sure it 255 00:16:02,750 --> 00:16:07,630 Suze: was luck. You decided to stay in that corporation. You 256 00:16:07,630 --> 00:16:11,549 Suze: decided to invest in stock options. You made a lot 257 00:16:11,549 --> 00:16:14,440 Suze: of decisions in your life, Anna. 258 00:16:14,820 --> 00:16:17,320 KT: And you're good at your job and you know it. 259 00:16:17,320 --> 00:16:22,719 Suze: That led you to where you are. Do not insult 260 00:16:22,719 --> 00:16:27,289 Suze: yourself like this. You know, for me, my speaking fees 261 00:16:27,289 --> 00:16:31,690 Suze: are very high, and I could feel guilty that major 262 00:16:31,690 --> 00:16:35,679 Suze: classical musicians that have studied their whole life when they perform, 263 00:16:35,809 --> 00:16:37,289 Suze: maybe they get 25,000. 264 00:16:37,559 --> 00:16:40,380 Suze: I could feel guilty about a whole lot of things, 265 00:16:40,549 --> 00:16:44,830 Suze: but I don't. I know what I'm worth. I stand 266 00:16:44,830 --> 00:16:48,750 Suze: by what I'm worth, and I stand in that truth 267 00:16:48,750 --> 00:16:50,739 Suze: and because I stand in that truth. 268 00:16:51,200 --> 00:16:54,979 Suze: People pay it. They wait to be able to do 269 00:16:54,979 --> 00:16:58,390 Suze: that with me. Now, Anna, you need to stand in 270 00:16:58,390 --> 00:17:01,590 Suze: that truth, cause you don't know this isn't going to 271 00:17:01,590 --> 00:17:04,390 Suze: happen again. You don't know that you're not going to 272 00:17:04,390 --> 00:17:07,510 Suze: get another paycheck that's above what you think you're going 273 00:17:07,510 --> 00:17:11,419 Suze: to get. You don't know, but you have to stay 274 00:17:11,420 --> 00:17:17,380 Suze: open to the probabilities of life and not think about 275 00:17:17,380 --> 00:17:20,709 Suze: anything other than what can be. 276 00:17:21,489 --> 00:17:26,639 Suze: So that's basically what you have to do. Now, how 277 00:17:26,640 --> 00:17:30,448 Suze: do you do that? You are to create a new 278 00:17:30,449 --> 00:17:35,849 Suze: truth for yourself because you have to retrain your brain. 279 00:17:36,640 --> 00:17:40,530 Suze: You have to retrain your heart. You have to retrain 280 00:17:40,530 --> 00:17:42,819 Suze: every molecule in your being. 281 00:17:43,800 --> 00:17:48,359 Suze: To feel like you deserve this, and once you have 282 00:17:48,359 --> 00:17:52,000 Suze: created that new truth, I want you to write it 283 00:17:52,000 --> 00:17:58,359 Suze: down every single day 25 times. Just sit down and 284 00:17:58,359 --> 00:18:02,920 Suze: write it 25 times. Every single day, I want you 285 00:18:02,920 --> 00:18:08,000 Suze: to scream it out loud. 25 times. Maybe you're in 286 00:18:08,000 --> 00:18:10,959 Suze: the car. Maybe you're somewhere. Just scream it. 287 00:18:12,069 --> 00:18:16,260 Suze: And right before you go to bed at night, I 288 00:18:16,260 --> 00:18:19,420 Suze: want you to look in the mirror and I want 289 00:18:19,420 --> 00:18:23,219 Suze: you to say it silently to yourself as you're looking 290 00:18:23,219 --> 00:18:28,329 Suze: back at yourself at least 25 times, and I want 291 00:18:28,329 --> 00:18:33,020 Suze: you to do that every single day for at least 292 00:18:33,020 --> 00:18:37,619 Suze: 6 months. Every time your fear comes up, I want 293 00:18:37,619 --> 00:18:41,729 Suze: you to say it. You have got to quiet your fear. 294 00:18:42,790 --> 00:18:48,060 Suze: And change how you think, feel, and act, not only 295 00:18:48,060 --> 00:18:50,530 Suze: with money but yourself. 296 00:18:51,349 --> 00:18:54,020 Suze: So what is the new truth? 297 00:18:54,270 --> 00:18:58,829 KT: She actually wrote her truth in this email, and the 298 00:18:58,829 --> 00:18:59,540 KT: truth is: 299 00:19:00,410 --> 00:19:04,478 KT: I am humble, grateful, and great at what I do, 300 00:19:04,489 --> 00:19:08,189 KT: and that is why I now am a millionaire. Bam. 301 00:19:08,630 --> 00:19:09,399 Suze: All right, well, there you go. 302 00:19:09,479 --> 00:19:12,750 KT: There's your new truth, and you wrote it yourself. So 303 00:19:13,199 --> 00:19:15,640 KT: you were up on the top of this email. She 304 00:19:15,640 --> 00:19:20,000 KT: said she's ashamed, guilty, um, she's afraid, you know, of 305 00:19:20,000 --> 00:19:23,399 KT: what people will say or think. And the only thing, Anna, 306 00:19:23,439 --> 00:19:25,869 KT: is I wish Suze and I knew how old you were, 307 00:19:26,130 --> 00:19:27,530 KT: cause if we knew that, 308 00:19:27,930 --> 00:19:32,169 KT: we could probably really richen up this lesson in terms 309 00:19:32,170 --> 00:19:35,599 KT: of having this money at what point in your life. 310 00:19:35,930 --> 00:19:38,699 Suze: Maybe, but I'm not sure. I don't think that's true, KT. 311 00:19:39,319 --> 00:19:41,530 Suze: I think this is a great lesson no matter what 312 00:19:41,530 --> 00:19:44,649 Suze: point you are in your life. I hope those of 313 00:19:44,650 --> 00:19:47,050 Suze: you who are listening can feel that as well. 314 00:19:47,199 --> 00:19:50,510 Suze: Because many of you might get a big inheritance from 315 00:19:50,510 --> 00:19:53,540 Suze: your parents. Many of you may be in a position 316 00:19:53,540 --> 00:19:56,459 Suze: that you work for a technology company and you get 317 00:19:56,459 --> 00:19:59,709 Suze: a big windfall like Anna. Maybe some of you have 318 00:19:59,709 --> 00:20:02,910 Suze: listened to some of the stocks that Keith Fitz-Gerald or 319 00:20:02,910 --> 00:20:06,500 Suze: even myself have said think about buying like Palantir. 320 00:20:08,459 --> 00:20:11,479 Suze: So you just never know when or maybe you bought 321 00:20:11,479 --> 00:20:14,910 Suze: a house years ago and now it's worth a real fortune. 322 00:20:14,910 --> 00:20:16,400 KT: Or there's the lottery. 323 00:20:16,400 --> 00:20:20,280 Suze: Or there's the lottery that's true. So you never know 324 00:20:20,280 --> 00:20:24,680 Suze: in life, but I do know one thing. You all 325 00:20:24,680 --> 00:20:26,560 Suze: have to keep your hands open. 326 00:20:27,300 --> 00:20:31,099 Suze: Don't keep them closed, everybody. Don't hold on to your 327 00:20:31,099 --> 00:20:34,219 Suze: thoughts and your fear and your shame and the little 328 00:20:34,219 --> 00:20:36,688 Suze: amount of money that you think you have with tightened, 329 00:20:36,939 --> 00:20:41,780 Suze: closed hands. I know you have to open those hands. 330 00:20:41,859 --> 00:20:46,060 Suze: Keep them open to receive that which is meant to 331 00:20:46,060 --> 00:20:47,819 Suze: come your way. 332 00:20:48,750 --> 00:20:53,099 Suze: Because you can be the masters of your own financial destiny. 333 00:20:53,310 --> 00:20:59,540 Suze: You can have financial independence and financial freedom. You can 334 00:20:59,750 --> 00:21:02,069 Suze: have all of those things. 335 00:21:02,939 --> 00:21:04,900 Suze: But you have to not have shame, 336 00:21:05,939 --> 00:21:11,250 Suze: guilt, anger. You have to be grateful when that happens. 337 00:21:11,420 --> 00:21:15,219 Suze: You have to protect it when it happens, and you 338 00:21:15,219 --> 00:21:16,380 Suze: have to make sure. 339 00:21:17,020 --> 00:21:20,719 Suze: That you invest it and save it wisely. 340 00:21:21,489 --> 00:21:22,589 Suze: What do you think, KT? 341 00:21:22,699 --> 00:21:27,540 KT: I love that. I love that. I agree with you 100%. 342 00:21:27,910 --> 00:21:32,030 KT: Invest it wisely and treat your friends to a little 343 00:21:32,030 --> 00:21:36,949 KT: party or something. Celebrate. Money is something that... 344 00:21:37,680 --> 00:21:42,150 KT: Again, it's the fabric of life. It's our currency of life. 345 00:21:42,520 --> 00:21:43,989 KT: Use it that way. 346 00:21:44,479 --> 00:21:49,760 Suze: Also remember, however, money will never define you. You have 347 00:21:49,760 --> 00:21:54,569 Suze: to define your money. KT will tell you. It does 348 00:21:54,569 --> 00:21:57,760 Suze: not matter how wealthy I have become. 349 00:21:58,250 --> 00:22:03,879 Suze: It does not matter how famous I have become, because 350 00:22:03,880 --> 00:22:06,959 Suze: what do I still think I am, KT? 351 00:22:07,160 --> 00:22:12,079 KT: A waitress. She still has the mentality of wanting to 352 00:22:12,079 --> 00:22:17,199 KT: serve people and feeling her joy doesn't come from her 353 00:22:17,199 --> 00:22:20,989 KT: windfalls and her great wealth. It has always, as long 354 00:22:20,989 --> 00:22:24,709 KT: as I've known Suse almost 25 years now, it comes 355 00:22:24,709 --> 00:22:27,560 KT: from knowing she can help someone. 356 00:22:27,849 --> 00:22:30,589 KT: And I hear her on the phone and I see 357 00:22:30,589 --> 00:22:33,780 KT: what she writes and I hear what she tells people 358 00:22:34,189 --> 00:22:38,540 KT: that she haphazardly meets in the street. It's giving advice 359 00:22:38,540 --> 00:22:41,510 KT: that you know is going to help them have a 360 00:22:41,510 --> 00:22:42,859 KT: better financial life. 361 00:22:42,949 --> 00:22:44,670 Suze: That is my true bank account. 362 00:22:45,410 --> 00:22:51,969 Suze: That is my true bank account that I will take 363 00:22:51,969 --> 00:22:57,290 Suze: with me no matter what. That is true wealth. So 364 00:22:57,290 --> 00:23:04,129 Suze: I hope you enjoyed this Suze School for today and 365 00:23:04,130 --> 00:23:07,569 Suze: remember there's only one thing that matters when it comes 366 00:23:07,569 --> 00:23:09,969 Suze: to your money, and what is that, my sweet KT? 367 00:23:10,119 --> 00:23:13,929 KT: It's always people first, then money and then things. 368 00:23:14,219 --> 00:23:19,229 Suze: And if you do that and stay safe and healthy, 369 00:23:19,579 --> 00:23:24,829 Suze: I promise you you will be unstoppable.