1 00:00:40,869 --> 00:00:46,269 Suze: September 15th, 2024. Welcome everybody to the Women and Money podcast. 2 00:00:46,279 --> 00:00:51,290 Suze: As well as everybody smart enough to listen. Today is 3 00:00:51,299 --> 00:00:54,119 Suze: usually not always Suze School, 4 00:00:54,810 --> 00:00:58,560 Suze: but today I want to do a Suze School via 5 00:00:58,569 --> 00:01:00,430 Suze: a Suze story. 6 00:01:01,080 --> 00:01:05,540 Suze: Now, as you may be aware today September 15th, 7 00:01:06,360 --> 00:01:12,379 Suze: I'm in Majorca Spain with KT. So I have recorded 8 00:01:12,389 --> 00:01:19,099 Suze: this podcast before we left just the other day. 9 00:01:19,900 --> 00:01:21,949 Suze: So, just be aware of that. 10 00:01:23,010 --> 00:01:30,429 Suze: Obviously, September 11th was a few days ago and as 11 00:01:30,440 --> 00:01:36,260 Suze: I was watching the ceremonies of September 11th, I couldn't 12 00:01:36,269 --> 00:01:40,639 Suze: help but remember what KT and I were both doing 13 00:01:40,650 --> 00:01:46,870 Suze: on September 11th and then what happened after September 11th 14 00:01:47,410 --> 00:01:52,910 Suze: because it really shaped a lot about my financial advice 15 00:01:52,919 --> 00:01:54,589 Suze: from that point on 16 00:01:55,639 --> 00:02:02,040 Suze: September 11th the morning of we were in Westchester Pennsylvania 17 00:02:02,599 --> 00:02:07,059 Suze: and I had just finished at 2 a.m. that morning, 18 00:02:07,760 --> 00:02:12,339 Suze: a QVC show and I happened to be doing what, 19 00:02:12,990 --> 00:02:18,860 Suze: telling everybody about the must have documents and why they 20 00:02:18,869 --> 00:02:23,300 Suze: were needed necessary, just like I've told all of you 21 00:02:23,309 --> 00:02:25,699 Suze: for so many years now. 22 00:02:26,460 --> 00:02:30,070 Suze: And therefore, when we got up that morning, we were 23 00:02:30,080 --> 00:02:33,800 Suze: supposed to go meet the helicopter and it was going 24 00:02:33,809 --> 00:02:37,960 Suze: to fly us over the World Trade Center at the 25 00:02:37,970 --> 00:02:42,758 Suze: exact time that the planes hit. Not knowing that that 26 00:02:42,770 --> 00:02:46,800 Suze: was gonna happen because I wanted to show KT that 27 00:02:46,809 --> 00:02:48,639 Suze: view from a helicopter. 28 00:02:49,309 --> 00:02:51,770 Suze: But because we had been up so late the night 29 00:02:51,779 --> 00:02:55,740 Suze: before I said to KT, let's call the helicopter and 30 00:02:55,750 --> 00:02:59,470 Suze: tell him we'll come at about 10 or 11 and 31 00:02:59,479 --> 00:03:05,609 Suze: we'll go back then. Well, obviously we're watching television and 32 00:03:05,619 --> 00:03:09,169 Suze: we see the planes hit and there you go. 33 00:03:09,589 --> 00:03:11,740 Suze: And then there was no way for the helicopter to 34 00:03:11,750 --> 00:03:16,330 Suze: fly back. So we actually had a driver come later 35 00:03:16,339 --> 00:03:20,100 Suze: that afternoon or that night. I can't remember now and 36 00:03:20,110 --> 00:03:24,008 Suze: drove us back to Manhattan. And as we were driving 37 00:03:24,020 --> 00:03:28,440 Suze: into Manhattan, you could see all the smoke coming from 38 00:03:28,449 --> 00:03:32,210 Suze: all of the towers over the next few days 39 00:03:32,899 --> 00:03:37,210 Suze: because I was considered press, we got to go down there, 40 00:03:37,490 --> 00:03:42,830 Suze: we got to see certain things that were just unbelievable. Also, 41 00:03:42,839 --> 00:03:46,080 Suze: a few days after that, we also got to go 42 00:03:46,089 --> 00:03:50,199 Suze: to the Pentagon and we were looking at the hole 43 00:03:50,210 --> 00:03:53,300 Suze: that it left in the Pentagon and the little altars 44 00:03:53,309 --> 00:03:56,509 Suze: that were set up inside the Pentagon and all of 45 00:03:56,520 --> 00:03:59,940 Suze: those things when I went to CNBC, 46 00:04:01,899 --> 00:04:06,949 Suze: everybody. And this is now still just a few days later, everybody, 47 00:04:06,960 --> 00:04:11,570 Suze: all the anchors, in my opinion, their faces were just, 48 00:04:11,580 --> 00:04:12,669 Suze: oh my God. 49 00:04:13,559 --> 00:04:18,578 Suze: It was really horrific. And one reason it was horrific 50 00:04:18,589 --> 00:04:22,329 Suze: for a lot of us is that, remember we are 51 00:04:22,339 --> 00:04:24,738 Suze: in the financial industry 52 00:04:25,450 --> 00:04:28,839 Suze: and a lot of the financial people that we interviewed 53 00:04:28,850 --> 00:04:32,670 Suze: or that we knew were in that building 54 00:04:33,510 --> 00:04:36,690 Suze: and they did not make it out. 55 00:04:37,730 --> 00:04:40,790 Suze: So that was bad enough in itself. 56 00:04:41,488 --> 00:04:44,808 Suze: Then maybe a week or two later, some time period. 57 00:04:44,820 --> 00:04:48,350 Suze: It's fuzzy to me right now. My phone started to 58 00:04:48,359 --> 00:04:48,820 Suze: ring 59 00:04:49,730 --> 00:04:55,100 Suze: and it was the spouses, usually the wife of her 60 00:04:55,109 --> 00:05:00,940 Suze: husband that was killed in the World Trade Center. 61 00:05:01,720 --> 00:05:06,700 Suze: And essentially what they were saying to me was the following, Suze. 62 00:05:06,709 --> 00:05:10,519 Suze: I need your help. I don't know if we had 63 00:05:10,529 --> 00:05:13,719 Suze: a trust. I don't know what we had. I don't 64 00:05:13,730 --> 00:05:16,540 Suze: know where any of the money happened to be. My 65 00:05:16,549 --> 00:05:20,980 Suze: husband took care of everything, all the paperwork was in 66 00:05:20,988 --> 00:05:25,579 Suze: his office. Now, the paperwork is gone. I don't even 67 00:05:25,589 --> 00:05:27,359 Suze: know where to start. 68 00:05:29,600 --> 00:05:31,390 Suze: And that wasnt just one person 69 00:05:32,510 --> 00:05:38,279 Suze: that was one spouse after another spouse, after another spouse 70 00:05:38,290 --> 00:05:42,399 Suze: all in the exact same situation. 71 00:05:43,238 --> 00:05:46,149 Suze: And when I would ask them questions very gently because 72 00:05:46,160 --> 00:05:48,578 Suze: they had just lost the love of their life. They 73 00:05:48,589 --> 00:05:52,500 Suze: were mothers, normally of their Children that were at home. 74 00:05:52,510 --> 00:05:55,230 Suze: It was just such a chaotic mess. Do you have 75 00:05:55,238 --> 00:05:58,850 Suze: any records? Do you have anything she said no, 76 00:05:59,144 --> 00:06:05,394 Suze: everything was kept in his office. We have nothing here 77 00:06:05,404 --> 00:06:08,075 Suze: at the house. Do you know the name of the 78 00:06:08,084 --> 00:06:14,915 Suze: banks or whatever? No, Suze, he took care of everything. 79 00:06:16,890 --> 00:06:21,149 Suze: And I think about that over and over again 80 00:06:22,059 --> 00:06:27,179 Suze: when I get emails like I did last Thursday where 81 00:06:27,190 --> 00:06:31,690 Suze: KT and I answered about this woman who's been married 82 00:06:31,700 --> 00:06:34,320 Suze: and her husband just doesn't want to get involved with 83 00:06:34,329 --> 00:06:38,399 Suze: the money and what can she do to get him involved? 84 00:06:39,519 --> 00:06:43,820 Suze: And it's not until something happens that is dramatic in 85 00:06:43,829 --> 00:06:44,820 Suze: your life. 86 00:06:46,350 --> 00:06:50,250 Suze: And you realize how unprepared you were for it. You 87 00:06:50,260 --> 00:06:53,410 Suze: don't know where the money is. You have no idea 88 00:06:53,420 --> 00:06:56,390 Suze: what documents you have. You have no idea who the 89 00:06:56,399 --> 00:07:02,329 Suze: beneficiaries are on anything. Where's the retirement account? How much 90 00:07:02,339 --> 00:07:05,649 Suze: was in it? Where does the money gonna come from? Now, 91 00:07:05,660 --> 00:07:09,380 Suze: how are you gonna do anything when you are finally 92 00:07:09,390 --> 00:07:14,329 Suze: in that situation? And you realize that you are not 93 00:07:14,339 --> 00:07:15,829 Suze: prepared for it 94 00:07:16,440 --> 00:07:19,160 Suze: than the loss of your loved one 95 00:07:20,179 --> 00:07:24,260 Suze: isn't the only thing that you have lost. It's the 96 00:07:24,269 --> 00:07:28,559 Suze: loss of everything in your life and you don't even 97 00:07:28,570 --> 00:07:32,829 Suze: know where to start to put it back together. 98 00:07:34,100 --> 00:07:41,328 Suze: All the mothers that called me saying, Suze, I don't know. 99 00:07:41,339 --> 00:07:45,100 Suze: Do we have an insurance policy? When will we get money? 100 00:07:45,109 --> 00:07:47,209 Suze: How am I gonna do this? How am I gonna 101 00:07:47,220 --> 00:07:52,269 Suze: do that? They had? Absolutely no, I dear 102 00:07:53,279 --> 00:07:56,200 Suze: and for those women and I just want to say 103 00:07:56,209 --> 00:08:00,179 Suze: this for those women who have gotten married 104 00:08:01,049 --> 00:08:05,589 Suze: and they have kept their own name, but their children's name, 105 00:08:05,600 --> 00:08:09,869 Suze: the last name of the Children are the name of 106 00:08:09,880 --> 00:08:12,190 Suze: the spouse. Usually the ma'am. 107 00:08:13,000 --> 00:08:18,380 Suze: Don't think if something like this happens, there isn't problems 108 00:08:18,839 --> 00:08:23,089 Suze: because in those cases, in this situation, when the insurance 109 00:08:23,100 --> 00:08:24,579 Suze: did wanna pay out, 110 00:08:25,350 --> 00:08:29,769 Suze: the spouse had to prove that she was the legal 111 00:08:29,779 --> 00:08:36,209 Suze: mother of these Children because their names were not the same. 112 00:08:36,619 --> 00:08:40,750 Suze: Don't think that won't happen to you. It could even 113 00:08:40,760 --> 00:08:44,159 Suze: happen to you. If you're traveling in the airport, 114 00:08:44,489 --> 00:08:48,260 Suze: they're checking, you're with minors and the minors have the 115 00:08:48,270 --> 00:08:53,030 Suze: name of the father, not your last name. Don't think 116 00:08:53,039 --> 00:08:55,630 Suze: that you won't get stopped for that. 117 00:08:56,539 --> 00:09:00,719 Suze: So maybe you name your Children a joint last name, 118 00:09:01,400 --> 00:09:07,020 Suze: but I need you to think about all of these things, 119 00:09:07,590 --> 00:09:12,380 Suze: which is why when I talk again, not only about 120 00:09:12,390 --> 00:09:15,340 Suze: owning the power to control your destiny, 121 00:09:16,020 --> 00:09:20,299 Suze: I'm talking about not just getting involved with little things 122 00:09:20,309 --> 00:09:25,239 Suze: with your money, but really owning it, knowing everything you 123 00:09:25,250 --> 00:09:32,159 Suze: need to know about your financial affairs, having control over. 124 00:09:32,169 --> 00:09:34,359 Suze: Where are the documents kept? 125 00:09:34,659 --> 00:09:40,119 Suze: Who are the beneficiaries? How much Life insurance? You should 126 00:09:40,130 --> 00:09:46,468 Suze: absolutely have the passwords to every single account. You should 127 00:09:46,479 --> 00:09:49,919 Suze: know where every single penny that both of you have 128 00:09:49,929 --> 00:09:52,319 Suze: happens to be located. 129 00:09:53,289 --> 00:09:58,030 Suze: You should have the original trust paperwork and will paperwork, 130 00:09:58,049 --> 00:10:02,309 Suze: not necessarily at an office or even in your house, 131 00:10:02,320 --> 00:10:06,450 Suze: but maybe in a place that's fireproof safe deposit box. 132 00:10:06,460 --> 00:10:07,510 Suze: But somewhere 133 00:10:08,250 --> 00:10:14,159 Suze: that it is protected because why copies of those documents 134 00:10:14,270 --> 00:10:20,380 Suze: are not valid if the original trust was destroyed in 135 00:10:20,390 --> 00:10:22,169 Suze: the World Trade Center. 136 00:10:23,039 --> 00:10:25,840 Suze: Now, there is no trust and even if you have 137 00:10:25,849 --> 00:10:30,659 Suze: a copy of it, it's not valid. So I need 138 00:10:30,669 --> 00:10:33,820 Suze: all of you. And I know I'm passionate right now, 139 00:10:34,000 --> 00:10:37,979 Suze: but I'm passionate about it because I remember the tears. 140 00:10:38,030 --> 00:10:42,500 Suze: I remember the fear. I remember the utter terror 141 00:10:43,320 --> 00:10:46,169 Suze: that these spouses call me with. 142 00:10:47,429 --> 00:10:53,140 Suze: And honestly, I couldn't really help them. 143 00:10:54,140 --> 00:10:58,150 Suze: I couldn't help them. And do you know what that 144 00:10:58,159 --> 00:11:02,239 Suze: must feel like for somebody like me not to be 145 00:11:02,250 --> 00:11:05,858 Suze: able to do anything? It's like, all right, let's get 146 00:11:05,869 --> 00:11:08,669 Suze: your past tax returns. Well, the tax returns, Suze were 147 00:11:08,679 --> 00:11:13,270 Suze: at the office too. Well, who is your CPA? Well, Suze, 148 00:11:13,280 --> 00:11:15,960 Suze: they happen to be in the World Trade Center too. 149 00:11:16,599 --> 00:11:19,859 Suze: So all the records are gone. So now, all right 150 00:11:19,869 --> 00:11:23,380 Suze: now let's contact the IRS. Let's do all this. But 151 00:11:23,390 --> 00:11:28,400 Suze: it was a long process before any of that could 152 00:11:28,409 --> 00:11:31,659 Suze: be straightened out. So the reason that you hear the 153 00:11:31,669 --> 00:11:36,059 Suze: passion in my voice is that I never want to 154 00:11:36,070 --> 00:11:36,659 Suze: not be 155 00:11:36,760 --> 00:11:40,760 Suze: able to help any of you ever again. I never 156 00:11:40,770 --> 00:11:45,859 Suze: want any of you to need help in those situations. 157 00:11:46,200 --> 00:11:48,729 Suze: I want you to be somebody who can mourn the 158 00:11:48,739 --> 00:11:52,419 Suze: loss of a loved one without you having to worry about. 159 00:11:52,429 --> 00:11:55,340 Suze: Where's the money? Where's this? Where's that? How's it all 160 00:11:55,349 --> 00:11:59,359 Suze: supposed to work? That is why I wanted to tell 161 00:11:59,369 --> 00:12:02,500 Suze: the Susie story today because watching 162 00:12:02,900 --> 00:12:08,880 Suze: the ceremonies on September 11th brought it all back to me. 163 00:12:09,960 --> 00:12:12,479 Suze: It also brought back to me 164 00:12:13,460 --> 00:12:21,000 Suze: what happened six months after September 11th and it brought 165 00:12:21,010 --> 00:12:23,559 Suze: back and I know that I've told this story before, 166 00:12:23,570 --> 00:12:25,598 Suze: but I want to tell it again 167 00:12:26,460 --> 00:12:31,840 Suze: that I said I would meet with the spouses of 168 00:12:31,849 --> 00:12:37,960 Suze: the deceased firefighters, with the Children of the deceased firefighters, 169 00:12:37,969 --> 00:12:42,690 Suze: with the parents of the deceased firefighters. All of them 170 00:12:42,700 --> 00:12:46,429 Suze: had gotten a payout. They were all still in shock. 171 00:12:46,440 --> 00:12:49,210 Suze: And I said, ok, I'll meet with all of them. 172 00:12:49,750 --> 00:12:52,349 Suze: We didn't tell the press about it. It wasn't a 173 00:12:52,359 --> 00:12:55,530 Suze: publicity stunt to say, oh, look how great Suze Orman 174 00:12:55,539 --> 00:12:59,289 Suze: is meeting with these firefighter survivors. 175 00:13:00,210 --> 00:13:03,909 Suze: No, it was done simply to help them. 176 00:13:04,760 --> 00:13:07,750 Suze: And what I found so fascinating. We were in the 177 00:13:07,760 --> 00:13:11,479 Suze: basement in some meeting room of some hotel. I don't 178 00:13:11,489 --> 00:13:16,059 Suze: even remember. And there were all these people there, some 179 00:13:16,070 --> 00:13:19,569 Suze: standing in the back of the room holding a child 180 00:13:19,580 --> 00:13:22,059 Suze: that was born after 181 00:13:22,900 --> 00:13:28,939 Suze: the father died. A lot of them parents, Children and 182 00:13:28,950 --> 00:13:33,039 Suze: so forth. And I'll never forget this one woman 183 00:13:33,729 --> 00:13:37,890 Suze: coming up to the little table that I was behind 184 00:13:37,989 --> 00:13:43,830 Suze: emptying out her purse of $800,000 worth of checks saying 185 00:13:43,840 --> 00:13:47,119 Suze: to me, Suze and they were all crumpled. What good 186 00:13:47,130 --> 00:13:50,700 Suze: is this money going to do for me? I want 187 00:13:50,710 --> 00:13:55,729 Suze: my husband back now. Why am I telling you this 188 00:13:55,739 --> 00:13:56,968 Suze: story again? 189 00:13:58,020 --> 00:14:01,440 Suze: Because you cannot blame 190 00:14:02,280 --> 00:14:09,359 Suze: the money, the insurance policy, the settlement, you cannot be 191 00:14:09,369 --> 00:14:15,650 Suze: mad at money because you have lost a loved one. 192 00:14:16,219 --> 00:14:18,969 Suze: You need to look at that money 193 00:14:19,679 --> 00:14:26,229 Suze: as what your deceased spouse, son, father, mother would have 194 00:14:26,239 --> 00:14:29,820 Suze: wanted you to have to be able to carry on 195 00:14:29,830 --> 00:14:34,340 Suze: your lifestyle that they can no longer provide for you. 196 00:14:35,119 --> 00:14:38,809 Suze: So many times, I have found not when it's this 197 00:14:38,820 --> 00:14:41,989 Suze: dramatic where it was in September 11th, 198 00:14:42,750 --> 00:14:47,650 Suze: but where your spouse, somebody is killed in a car crash, 199 00:14:47,659 --> 00:14:49,530 Suze: whatever it may be 200 00:14:50,219 --> 00:14:54,369 Suze: and you get a life insurance settlement or now you 201 00:14:54,380 --> 00:14:58,289 Suze: get all the money that they have saved or whatever 202 00:14:58,299 --> 00:15:00,599 Suze: it may be and you don't want to touch it. 203 00:15:00,609 --> 00:15:03,400 Suze: You don't want to look at it. You're actually like, 204 00:15:03,890 --> 00:15:07,880 Suze: uh you don't care about it. What you care about 205 00:15:07,890 --> 00:15:10,830 Suze: is you're just so lonely and you're so miserable. 206 00:15:12,250 --> 00:15:19,229 Suze: I need you not to be angry at money to 207 00:15:19,239 --> 00:15:24,789 Suze: be rejecting of the money. I need you to be 208 00:15:24,799 --> 00:15:28,390 Suze: able to at least keep it safe and sound and 209 00:15:28,400 --> 00:15:30,630 Suze: be grateful for it, 210 00:15:31,489 --> 00:15:34,030 Suze: but not mad at it. 211 00:15:34,770 --> 00:15:39,330 Suze: Because when you are mad, you are angry and anger 212 00:15:39,340 --> 00:15:43,859 Suze: is one of the main internal obstacles to wealth and 213 00:15:43,869 --> 00:15:47,270 Suze: it is in that anger period because I saw this 214 00:15:47,280 --> 00:15:48,030 Suze: happen 215 00:15:48,469 --> 00:15:50,890 Suze: that you go out and you buy a house, you 216 00:15:50,900 --> 00:15:53,460 Suze: don't even want, you go out and you give it 217 00:15:53,469 --> 00:15:56,270 Suze: to the kids, you go out and you just do 218 00:15:56,280 --> 00:15:58,849 Suze: things with it that you normally never would have done 219 00:15:58,859 --> 00:16:01,039 Suze: with it because on some level, you want to get 220 00:16:01,049 --> 00:16:05,210 Suze: rid of it as if that will bring your spouse back. 221 00:16:06,080 --> 00:16:10,260 Suze: So, as I have told you over all these years, 222 00:16:11,030 --> 00:16:14,580 Suze: you are to do nothing other than keeping the money 223 00:16:14,590 --> 00:16:18,419 Suze: safe and sound. Obviously, you can use it to get 224 00:16:18,429 --> 00:16:21,229 Suze: out of debt if you want. But to keep it 225 00:16:21,239 --> 00:16:25,270 Suze: safe and sound for at least six months to two 226 00:16:25,280 --> 00:16:29,500 Suze: years after you have suffered the loss of a loved one, 227 00:16:29,510 --> 00:16:33,580 Suze: especially when it's in a dramatic fashion, 228 00:16:34,570 --> 00:16:38,700 Suze: it could be a shooting at a school. It can 229 00:16:38,710 --> 00:16:42,549 Suze: be a terrorist attack like that. It can be so 230 00:16:42,559 --> 00:16:47,349 Suze: many things and in life, we don't really have an 231 00:16:47,359 --> 00:16:51,150 Suze: understanding of why things happen. We really don't. 232 00:16:52,549 --> 00:16:56,849 Suze: But somehow you have to have faith, you have to 233 00:16:56,859 --> 00:17:00,880 Suze: have faith in yourself, faith in a belief higher than 234 00:17:00,890 --> 00:17:04,160 Suze: you that you will get through this 235 00:17:05,280 --> 00:17:10,379 Suze: and that you just have to take it day by day. 236 00:17:11,838 --> 00:17:15,208 Suze: So that's what I wanted the Suze story to be 237 00:17:15,218 --> 00:17:20,058 Suze: about today. That's why the must have documents are so 238 00:17:20,068 --> 00:17:25,529 Suze: essential for all of you. That's why getting your affairs 239 00:17:25,538 --> 00:17:30,058 Suze: in order is so essential for all of you. Even 240 00:17:30,068 --> 00:17:33,529 Suze: though I know, you think that nothing will ever ever 241 00:17:33,538 --> 00:17:37,258 Suze: happen to you. And I pray, I pray to God 242 00:17:37,739 --> 00:17:38,818 Suze: that that's true. 243 00:17:39,869 --> 00:17:44,680 Suze: But I also pray that all of you have what 244 00:17:44,689 --> 00:17:48,250 Suze: it takes to make sure that if something does happen, 245 00:17:48,579 --> 00:17:52,849 Suze: you have protected your tomorrow's day. 246 00:17:53,479 --> 00:17:58,780 Suze: So with that, this was a relatively short Suze school story, 247 00:17:59,060 --> 00:18:02,300 Suze: but maybe one of the most important ones I could 248 00:18:02,310 --> 00:18:05,959 Suze: ever give. So there's really only one thing that I 249 00:18:05,969 --> 00:18:08,439 Suze: want you to remember when it comes to your money 250 00:18:08,449 --> 00:18:14,439 Suze: and it's this people first, everybody take care of yourselves, 251 00:18:14,449 --> 00:18:17,689 Suze: take care of the things that protect you and your 252 00:18:17,699 --> 00:18:19,329 Suze: family members. 253 00:18:20,069 --> 00:18:23,579 Suze: People first. You what is it going to take to 254 00:18:23,589 --> 00:18:27,829 Suze: really make you feel secure no matter what happens. Then 255 00:18:27,839 --> 00:18:30,920 Suze: money then make sure that the money is taken care 256 00:18:30,930 --> 00:18:33,949 Suze: of and invested properly. You're safe and sound. But you 257 00:18:33,959 --> 00:18:38,060 Suze: also know about all of the money that you have 258 00:18:38,709 --> 00:18:43,599 Suze: and then things, things like your home, things like your car, 259 00:18:43,609 --> 00:18:48,889 Suze: all of those things that money can buy. 260 00:18:49,319 --> 00:18:52,819 Suze: And when you put that all together and you stay 261 00:18:52,829 --> 00:18:59,729 Suze: healthy and you stay safe, then you will be unstoppable.