1 00:00:33,700 --> 00:00:39,400 Suze: December 21st 2023. Welcome to the Women and Money podcast. 2 00:00:39,409 --> 00:00:43,349 Suze: As well as everyone smart enough to listen. This is 3 00:00:43,360 --> 00:00:48,199 Suze: the Ask KT and Suze Anything edition. This is where 4 00:00:48,209 --> 00:00:54,029 Suze: you write in to Ask Suze SUZE podcast at gmail.com 5 00:00:54,360 --> 00:00:57,400 Suze: and you ask your question, keep it short. And if 6 00:00:57,409 --> 00:01:00,220 Suze: KT likes it, it will be chosen to be answered 7 00:01:00,229 --> 00:01:02,020 Suze: on this podcast. 8 00:01:02,509 --> 00:01:03,909 Suze: How are you today, KT? 9 00:01:03,919 --> 00:01:07,669 KT: I'm good because today is the winter solstice. I used 10 00:01:07,680 --> 00:01:10,839 KT: to always love that day. I'm not a big fan 11 00:01:10,849 --> 00:01:13,169 KT: of winter and everyone knows that. That's why I lived 12 00:01:13,180 --> 00:01:18,449 KT: in Hong Kong, the Bahamas, Florida. I'm a hot sunshine girl. 13 00:01:18,459 --> 00:01:20,449 Suze: But I thought you were gonna say you're a hot... 14 00:01:21,260 --> 00:01:24,919 KT: I like the hot sunshine, but I love the idea 15 00:01:24,930 --> 00:01:30,510 KT: of winter solstice fireplaces, warm and cozy cuddling 16 00:01:30,815 --> 00:01:34,214 KT: a little aqui v if you have some Norwegian friends 17 00:01:34,224 --> 00:01:35,644 KT: like us, right? 18 00:01:35,654 --> 00:01:38,614 Suze: But tell me how cute. I look in my little sweatshirt. 19 00:01:38,625 --> 00:01:41,285 KT: She's real cozy and cuddly. We're, we're here in the 20 00:01:41,294 --> 00:01:46,154 KT: Bahamas on the island. It's chilly Willie. It's really, really cold. 21 00:01:46,165 --> 00:01:47,164 KT: We have a cold front. 22 00:01:47,315 --> 00:01:48,154 Suze: I love it when it's cold. 23 00:01:48,165 --> 00:01:51,584 KT: Because she gets all dressed in her boots and winter 24 00:01:51,595 --> 00:01:56,275 KT: gear and she has on a very colorful fabulous sweatshirt hoodie. 25 00:01:56,285 --> 00:01:59,014 Suze: Maybe I'll give you a post of it. But 26 00:01:59,279 --> 00:02:02,580 Suze: the reason that I like winter when it's cold is 27 00:02:02,589 --> 00:02:06,449 Suze: I'm one of those women who give better cold dress 28 00:02:06,510 --> 00:02:08,809 KT: You look better in winter wear. 29 00:02:10,320 --> 00:02:12,428 Suze: You know how, when it's summer and then you have 30 00:02:12,440 --> 00:02:14,979 Suze: to expose your arms and da da da da. I 31 00:02:14,990 --> 00:02:17,630 Suze: just like to kind of cover up and be cool. 32 00:02:17,639 --> 00:02:19,100 KT: I'm a bathing suit girl. 33 00:02:21,110 --> 00:02:25,369 KT: All right, I'm gonna start this podcast. No comment, Suze, 34 00:02:25,380 --> 00:02:28,470 KT: I'm gonna start the podcast everyone before she says anything 35 00:02:28,479 --> 00:02:31,250 KT: about that. So, what I wanna do today is a 36 00:02:31,258 --> 00:02:34,619 KT: little bit different. I've got a whole list of like 37 00:02:34,630 --> 00:02:38,270 KT: rapid fire, really short questions, but I want to start 38 00:02:38,529 --> 00:02:41,350 KT: was something that touched me and it moved me and 39 00:02:41,360 --> 00:02:45,389 KT: it summed up in my opinion, what Suze Orman is 40 00:02:45,399 --> 00:02:50,029 KT: all about and what sets her apart from any other 41 00:02:50,038 --> 00:02:56,470 KT: personal finance advisor or expert or pundit really sets her apart. 42 00:02:56,479 --> 00:02:57,949 KT: So this is from Julie. 43 00:02:58,080 --> 00:03:01,179 KT: Hi Suze and KT. Thank you for all the great 44 00:03:01,190 --> 00:03:05,899 KT: info and advice. Thanks to you. I ended a toxic 45 00:03:05,910 --> 00:03:11,220 KT: situation this past January and I'm so grateful. I'm 52 46 00:03:11,229 --> 00:03:16,788 KT: years old with zero savings and 16,000 plus in credit 47 00:03:16,800 --> 00:03:17,539 KT: card debt. 48 00:03:17,940 --> 00:03:23,160 KT: After listening to your podcast on Thursday's episode, I realized 49 00:03:23,169 --> 00:03:26,888 KT: I not only have issues with worth when it comes 50 00:03:26,899 --> 00:03:31,210 KT: to money and worth in general, but also issues with shame. 51 00:03:31,649 --> 00:03:35,529 KT: I suppose it should have been obvious, but sometimes we 52 00:03:35,539 --> 00:03:39,600 KT: are too close to our own issues. I've recently taken 53 00:03:39,610 --> 00:03:42,960 KT: your course, Suze, conquering your financial fears. 54 00:03:43,570 --> 00:03:46,800 KT: So just for everyone, just a little sidebar for those 55 00:03:46,809 --> 00:03:48,389 KT: of you that don't know if you go to the 56 00:03:48,399 --> 00:03:52,190 KT: women and Money app. Look on Suze shop and you 57 00:03:52,199 --> 00:03:54,649 KT: can see a number of things that we offer, but 58 00:03:54,660 --> 00:03:58,710 KT: one is a conquering your fears little um course and it, 59 00:03:58,720 --> 00:04:03,139 KT: it's worth it. It's like $27 or something. But um 60 00:04:03,149 --> 00:04:05,190 KT: take a look at that if you're interested. 61 00:04:05,679 --> 00:04:08,550 KT: So what Julie's saying is she took the course and 62 00:04:08,559 --> 00:04:12,039 KT: I made progress, but I realize I need to work 63 00:04:12,050 --> 00:04:13,940 KT: on the worth aspect of it. 64 00:04:14,309 --> 00:04:18,730 KT: Then Thursday, the shame issue hit me between the eyes 65 00:04:19,220 --> 00:04:22,890 KT: is sharing with everyone my situation and standing in my 66 00:04:22,899 --> 00:04:27,070 KT: truth the best way to move past this or since 67 00:04:27,079 --> 00:04:31,119 KT: the issues stem from childhood, do I need more help 68 00:04:31,130 --> 00:04:34,250 KT: than that? There is a lot more to my financial 69 00:04:34,260 --> 00:04:36,850 KT: situation that contributes to the shame. 70 00:04:37,130 --> 00:04:40,630 KT: I live with my mom and we share her car. 71 00:04:40,640 --> 00:04:44,779 KT: She covers most of my living expenses, including medical as 72 00:04:44,790 --> 00:04:48,969 KT: I am now a two time cancer survivor. It's hard 73 00:04:48,980 --> 00:04:52,070 KT: to even write this, which is why I am. I 74 00:04:52,079 --> 00:04:55,359 KT: know this isn't who I was created to be and 75 00:04:55,369 --> 00:04:57,510 KT: who I am striving to become. 76 00:04:58,049 --> 00:05:01,480 KT: I have a desire to make an impact on people, 77 00:05:01,488 --> 00:05:05,909 KT: specifically women's lives and know that my story can help. 78 00:05:06,130 --> 00:05:09,339 KT: But it's time to, as you said, face it to 79 00:05:09,350 --> 00:05:13,489 KT: erase it. Thank you for any guidance and advice, Suze 80 00:05:13,500 --> 00:05:16,558 KT: God bless and Merry Christmas Julie. 81 00:05:18,029 --> 00:05:23,099 KT: So she isn't sharing all the details except she's facing 82 00:05:23,109 --> 00:05:26,890 KT: it to erase it. And I think that's important. So 83 00:05:27,019 --> 00:05:28,130 KT: what are your thoughts on that? 84 00:05:28,140 --> 00:05:33,839 Suze: It's so fascinating to me that you chose this particular 85 00:05:34,040 --> 00:05:40,290 Suze: email as all of you may know, I read all 86 00:05:40,299 --> 00:05:42,920 Suze: the emails that come in just to make sure I'm 87 00:05:42,928 --> 00:05:44,368 Suze: just monitoring you 88 00:05:44,850 --> 00:05:47,649 Suze: and then it's up to KT to choose which ones 89 00:05:47,660 --> 00:05:51,260 Suze: as she's reading them. She wants to do on the podcast. 90 00:05:51,390 --> 00:05:56,309 Suze: But I came across this one KT and I wrote 91 00:05:56,320 --> 00:06:00,229 Suze: her back and I said, we'll answer on Thursday hoping 92 00:06:00,238 --> 00:06:03,390 Suze: that you would do so. And if you didn't pick it, 93 00:06:03,399 --> 00:06:08,760 Suze: then I would have answered her directly on an email. 94 00:06:08,769 --> 00:06:11,510 Suze: So I find it fascinating that you chose it, 95 00:06:11,799 --> 00:06:14,959 Suze: Julie, you have to listen to me as well as 96 00:06:14,970 --> 00:06:19,779 Suze: everybody else. There are three internal obstacles to wealth, 97 00:06:20,488 --> 00:06:24,149 Suze: fear, shame, and anger. 98 00:06:24,959 --> 00:06:29,540 Suze: And when you come from those places there is absolutely 99 00:06:29,549 --> 00:06:35,119 Suze: no way that you can live a life of worth 100 00:06:35,130 --> 00:06:37,250 Suze: and wealth. You just can't. 101 00:06:38,059 --> 00:06:42,339 Suze: And so I've talked about this over and over again. 102 00:06:42,350 --> 00:06:46,320 Suze: If you go to back podcasts, somewhere in the over 103 00:06:46,329 --> 00:06:47,880 Suze: 500 that we've done, 104 00:06:48,678 --> 00:06:53,308 Suze: you'll see an entire podcast on this. But Julie, you 105 00:06:53,320 --> 00:06:57,329 Suze: ask the question, is it just as easy as telling 106 00:06:57,339 --> 00:07:01,100 Suze: everybody and sharing it and facing it to erase it 107 00:07:01,200 --> 00:07:04,500 Suze: or do I need to get help? Because these issues 108 00:07:04,510 --> 00:07:06,420 Suze: go back to my childhood. 109 00:07:07,559 --> 00:07:12,510 Suze: You have to decide the answer to that because I 110 00:07:12,519 --> 00:07:16,250 Suze: don't know what issues you're actually talking about. However, 111 00:07:17,269 --> 00:07:20,420 Suze: when I hear this and when I read this email, 112 00:07:21,269 --> 00:07:24,410 Suze: I think part of your shame comes from 113 00:07:25,209 --> 00:07:28,089 Suze: at 52 you're still living with your mother. 114 00:07:28,760 --> 00:07:33,910 Suze: At 52 you have no savings at 52 you have 115 00:07:33,920 --> 00:07:37,829 Suze: $16,000 of credit card debt 116 00:07:38,890 --> 00:07:41,029 Suze: and that you have shame over that 117 00:07:42,399 --> 00:07:46,000 Suze: to me. I'm like, oh, how lucky that you have 118 00:07:46,010 --> 00:07:49,950 Suze: your mom that you can live with. How lucky are 119 00:07:49,959 --> 00:07:53,339 Suze: you that she's able to help you with your insurance? 120 00:07:53,649 --> 00:07:56,500 Suze: Because you have survived cancer twice. 121 00:07:57,170 --> 00:08:02,109 Suze: There is no shame in living with a family member. 122 00:08:02,549 --> 00:08:06,940 Suze: I honestly think one of the travesties that have happened, 123 00:08:06,950 --> 00:08:11,079 Suze: especially in the United States of America is that you 124 00:08:11,089 --> 00:08:14,200 Suze: grow up and you're supposed to move away, you're supposed 125 00:08:14,209 --> 00:08:16,470 Suze: to be independent. What happened 126 00:08:16,809 --> 00:08:21,809 Suze: to the inner family, to the nuclear family? I remember 127 00:08:21,820 --> 00:08:24,959 Suze: my mom and my aunt, they all kind of lived 128 00:08:24,970 --> 00:08:28,519 Suze: together in the same apartment building or they lived just 129 00:08:28,529 --> 00:08:31,549 Suze: a few blocks away. And even as they got older, 130 00:08:31,559 --> 00:08:35,450 Suze: they absolutely lived in the same building just a few 131 00:08:35,460 --> 00:08:36,789 Suze: floors away. 132 00:08:37,770 --> 00:08:41,390 Suze: And my granny lived there and it was such a 133 00:08:41,400 --> 00:08:45,780 Suze: fabulous feeling of growing up with family. 134 00:08:46,580 --> 00:08:49,439 Suze: And so this thing about you have to be independent, 135 00:08:49,450 --> 00:08:51,090 Suze: you have to have your own apartment, you have to 136 00:08:51,099 --> 00:08:53,859 Suze: do this, your own car. I don't know where that 137 00:08:53,869 --> 00:08:56,760 Suze: came from. But that Julie, in my opinion 138 00:08:57,479 --> 00:09:02,179 Suze: is not what gives somebody worth. What gives somebody worth 139 00:09:02,190 --> 00:09:06,780 Suze: is when you can feel so appreciative and lucky that 140 00:09:06,789 --> 00:09:08,780 Suze: you have a mother 141 00:09:09,700 --> 00:09:12,989 Suze: that wants to live with you and there will come 142 00:09:13,000 --> 00:09:16,080 Suze: a time when you will have to take care of 143 00:09:16,090 --> 00:09:18,559 Suze: your mother most likely. 144 00:09:19,289 --> 00:09:23,270 Suze: So I would not think about changing that. I would 145 00:09:23,280 --> 00:09:29,468 Suze: show gratitude towards that every single day because there's nothing 146 00:09:29,479 --> 00:09:32,218 Suze: wrong with it on any level. 147 00:09:33,239 --> 00:09:36,909 Suze: Of course, you don't have any savings. Of course, you 148 00:09:36,919 --> 00:09:41,780 Suze: have $16,000 of credit card debt. Why? Because you recently 149 00:09:41,789 --> 00:09:46,659 Suze: ended a toxic situation which means you got out of 150 00:09:46,669 --> 00:09:50,780 Suze: somehow an abusive relationship or in a relationship that you 151 00:09:50,789 --> 00:09:53,570 Suze: felt was abusive to you or you would not have 152 00:09:53,580 --> 00:09:55,299 Suze: used the word toxic. 153 00:09:56,000 --> 00:09:59,900 Suze: So when you allow yourself to be in a relationship 154 00:10:00,169 --> 00:10:03,780 Suze: that is toxic, money will come in and money will 155 00:10:03,789 --> 00:10:08,250 Suze: go out because you are being so disrespectful to yourself. 156 00:10:08,260 --> 00:10:12,299 Suze: And if you can't respect yourself, you cannot respect money 157 00:10:12,320 --> 00:10:15,669 Suze: and therefore you waste it on things. Just feeling like 158 00:10:15,679 --> 00:10:18,619 Suze: those things that you buy or going out to eat 159 00:10:18,630 --> 00:10:21,940 Suze: will make you feel better. So you are starting all 160 00:10:21,950 --> 00:10:23,900 Suze: over again, girlfriend, 161 00:10:24,849 --> 00:10:28,590 Suze: and you can start with the present and the future 162 00:10:28,599 --> 00:10:33,260 Suze: and just let your past go. Don't hold on to it. 163 00:10:33,409 --> 00:10:35,969 Suze: I actually don't know what happened to you when you 164 00:10:35,979 --> 00:10:39,400 Suze: were younger, but you can overcome it by just being 165 00:10:39,409 --> 00:10:44,030 Suze: grateful that those things happened. Because when you're grateful for 166 00:10:44,039 --> 00:10:46,510 Suze: everything that has happened in your life, 167 00:10:47,229 --> 00:10:51,059 Suze: then you become grateful for who you are today. Because 168 00:10:51,070 --> 00:10:53,819 Suze: those things that happened to you in the past have 169 00:10:53,830 --> 00:10:56,260 Suze: made you stronger whether you know it or not. 170 00:10:57,099 --> 00:10:59,679 Suze: So if you can start from there, 171 00:11:00,950 --> 00:11:06,289 Suze: I promise you that then you can proceed and that 172 00:11:06,299 --> 00:11:09,559 Suze: however you are making your money right now. Like when 173 00:11:09,570 --> 00:11:13,210 Suze: I read your email, I did read that you do 174 00:11:13,219 --> 00:11:16,329 Suze: have a little business that you do from home 175 00:11:17,070 --> 00:11:19,849 Suze: and that you're doing pretty well with it. 176 00:11:21,450 --> 00:11:25,030 Suze: Once you start to value who you are, 177 00:11:25,929 --> 00:11:29,309 Suze: the world will value what you do. 178 00:11:30,510 --> 00:11:34,349 Suze: And when the world values what you do, you also 179 00:11:34,359 --> 00:11:36,979 Suze: then start to value who you are. 180 00:11:37,630 --> 00:11:39,770 Suze: So your gift to yourself 181 00:11:40,500 --> 00:11:45,309 Suze: on the Christmas of 2023 on the New Year's of 182 00:11:45,320 --> 00:11:47,419 Suze: 2024 183 00:11:48,210 --> 00:11:52,978 Suze: is one where every single day, you will create and 184 00:11:52,989 --> 00:11:56,789 Suze: write a new truth for yourself. And that new truth 185 00:11:56,799 --> 00:12:01,719 Suze: is I value who I am. I believe in who 186 00:12:01,729 --> 00:12:07,549 Suze: I am. And I am a woman who has self worth. 187 00:12:07,830 --> 00:12:11,069 Suze: Just write that down 25 times a day. Say it 188 00:12:11,080 --> 00:12:14,590 Suze: to yourself silently 25 times a day. Scream it in 189 00:12:14,599 --> 00:12:17,979 Suze: the mirror, looking at yourself 25 times a day, 190 00:12:18,609 --> 00:12:20,429 Suze: do that every day 191 00:12:21,250 --> 00:12:26,609 Suze: for six months and just watch what happens. My most 192 00:12:26,619 --> 00:12:28,820 Suze: worthy Julie. 193 00:12:30,340 --> 00:12:31,728 KT: That's so nice. 194 00:12:33,169 --> 00:12:37,159 KT: See, Suze, that's why I picked that. Who gives advice 195 00:12:37,169 --> 00:12:40,179 KT: like that? No one but you, here's what I did. Now, 196 00:12:40,190 --> 00:12:44,140 KT: the rest of this podcast, I picked one liners. I 197 00:12:44,150 --> 00:12:46,950 KT: want to do a little rapid fire with Suze. These 198 00:12:46,960 --> 00:12:49,469 KT: are simple one liner. I'm not even gonna tell you 199 00:12:49,479 --> 00:12:51,479 KT: who they're from. I just extrapolated 200 00:12:51,815 --> 00:12:55,905 KT: the question. So let's see how fast and good Suze is. 201 00:12:55,914 --> 00:12:59,343 KT: And then we have a nice question to end with. 202 00:12:59,505 --> 00:13:03,494 KT: So Suze, you recently did a post on Bitcoin? Are 203 00:13:03,505 --> 00:13:05,965 KT: you buying Bitcoin or Ethereum again? 204 00:13:05,974 --> 00:13:08,424 Suze: So funny. I knew the other day on the women 205 00:13:08,434 --> 00:13:13,265 Suze: and money community app that when I posted the projections 206 00:13:13,275 --> 00:13:15,085 Suze: for Bitcoin that all of a sudden I was going 207 00:13:15,094 --> 00:13:18,325 Suze: to start that up all over again. First of all, 208 00:13:18,335 --> 00:13:19,804 Suze: I just have to state 209 00:13:20,190 --> 00:13:24,270 Suze: that you do not invest in things like Bitcoin or 210 00:13:24,280 --> 00:13:28,699 Suze: Ethereum with money that you cannot afford to lose. That's 211 00:13:28,710 --> 00:13:35,010 Suze: number one Ok. Number two, I do think that Bitcoin 212 00:13:35,020 --> 00:13:39,530 Suze: is on the projection of continuing to go up that 213 00:13:39,539 --> 00:13:41,669 Suze: includes Ethereum as well, 214 00:13:41,989 --> 00:13:47,210 Suze: but particularly for Bitcoin because Bitcoin is about to approach 215 00:13:47,219 --> 00:13:48,849 Suze: what's called a halving. 216 00:13:49,770 --> 00:13:50,340 KT: A what? Halving? 217 00:13:50,429 --> 00:13:56,340 Suze: A halving. H-a-l-v-i-n-g. It's this thing that if you listen to podcasts 218 00:13:56,349 --> 00:13:58,289 Suze: in the past, you would know what I was talking about. 219 00:13:58,364 --> 00:13:58,385 KT: Is it "halfing" "halving?" 220 00:14:01,195 --> 00:14:05,645 Suze: I can say but it's called halving, 221 00:14:05,835 --> 00:14:07,704 KT: Right, but it's pronounced "halfing." 222 00:14:08,034 --> 00:14:09,015 Suze: It's pronounced "halving." 223 00:14:09,594 --> 00:14:11,505 KT: Robert, tell everyone how it's pronounced. 224 00:14:12,065 --> 00:14:14,604 Robert: Ok. It's pronounced "Having" 225 00:14:15,380 --> 00:14:23,400 Robert: "Having" like: have you listened to Suze's advice? It's spelled H-a-l-v-i-n-g. 226 00:14:23,650 --> 00:14:25,559 Robert: But it's pronounced "having." 227 00:14:25,590 --> 00:14:27,369 Suze: Anyway. So, 228 00:14:27,969 --> 00:14:32,559 Suze: and when that happens, Bitcoin usually does go up. However, 229 00:14:32,570 --> 00:14:38,409 Suze: for me personally, I am not buying Bitcoin or Ethereum, 230 00:14:38,539 --> 00:14:42,390 Suze: I am buying the stocks and have purchased the stocks 231 00:14:42,599 --> 00:14:47,830 Suze: that have to do with the engineering of how Bitcoin 232 00:14:47,840 --> 00:14:51,909 Suze: and Ethereum and all of that works. And the two 233 00:14:51,919 --> 00:14:54,809 Suze: stocks are Mara - MARA 234 00:14:56,539 --> 00:14:59,369 Suze: as well as that. These are the symbols of them, 235 00:14:59,380 --> 00:15:06,349 Suze: MARA and Riot. They've gone up significantly right now. So 236 00:15:06,359 --> 00:15:08,340 Suze: you might want to wait, maybe they'll pull back a 237 00:15:08,349 --> 00:15:14,440 Suze: little bit. But that's personally how I'm investing in there. 238 00:15:15,690 --> 00:15:17,159 KT: Are those risky too? 239 00:15:17,400 --> 00:15:21,690 Suze: Well, everything to do with Bitcoin and Ethereum, high risk, right? 240 00:15:21,700 --> 00:15:24,859 Suze: But they're more than what is Bitcoin. How do you 241 00:15:24,869 --> 00:15:29,409 Suze: explain what Bitcoin is? No, but it's, it's out there. 242 00:15:29,419 --> 00:15:34,479 Suze: But these are the platforms, the engineering, the, the technology 243 00:15:35,085 --> 00:15:36,614 Suze: that it all runs on. 244 00:15:36,625 --> 00:15:39,395 KT: These are the folks that made it really confusing. 245 00:15:39,405 --> 00:15:43,315 Suze: No, they're not the techies. 246 00:15:43,515 --> 00:15:46,075 KT: So that's how maybe I'll buy a little bit of that. 247 00:15:46,104 --> 00:15:48,655 Suze: No, we had own enough of it. KT. Trust me 248 00:15:48,664 --> 00:15:52,135 Suze: on that. Right. They have gone up significantly. But if 249 00:15:52,145 --> 00:15:54,234 Suze: Bitcoin continues to go up 250 00:15:54,619 --> 00:15:57,450 Suze: and these should do very well, but only, this is 251 00:15:57,460 --> 00:16:01,609 Suze: only for money that you can afford to lose everybody 252 00:16:01,700 --> 00:16:05,059 Suze: and be careful because they have gone up considerably. So 253 00:16:05,070 --> 00:16:07,309 Suze: maybe you want a dollar cost average. All right. Go 254 00:16:07,320 --> 00:16:08,330 Suze: on KT ok. 255 00:16:08,340 --> 00:16:12,760 KT: Next question, Suze, do I have this right? I should 256 00:16:12,770 --> 00:16:16,239 KT: not be buying any more Series I Bonds next year. 257 00:16:16,429 --> 00:16:17,679 Suze: Yeah, you got that right. 258 00:16:18,210 --> 00:16:19,929 KT: So why tell him why. 259 00:16:20,010 --> 00:16:23,070 Suze: Well, as I've been telling you for the past two 260 00:16:23,080 --> 00:16:27,070 Suze: resets of the interest rates for Series I Bonds that 261 00:16:27,080 --> 00:16:30,380 Suze: started in May of this year as well as November 262 00:16:30,390 --> 00:16:35,190 Suze: of this year is that I really believed that inflation 263 00:16:35,200 --> 00:16:39,469 Suze: was going to come down. I also believed 264 00:16:39,820 --> 00:16:42,479 Suze: that it would be far better for you to put 265 00:16:42,489 --> 00:16:46,520 Suze: your money in a place where there weren't restrictions. Remember 266 00:16:46,530 --> 00:16:49,780 Suze: in a Series I bond, you can't touch your money 267 00:16:49,789 --> 00:16:52,869 Suze: for at least one year. No matter what, you cannot 268 00:16:52,880 --> 00:16:56,409 Suze: touch it in years. Two through five, there is a 269 00:16:56,419 --> 00:17:00,729 Suze: three month interest penalty if you want to take your 270 00:17:00,739 --> 00:17:05,000 Suze: money out. And what I was afraid of is that 271 00:17:05,060 --> 00:17:07,510 Suze: if you had to wait one year 272 00:17:08,050 --> 00:17:11,560 Suze: and you had a three month interest penalty when the 273 00:17:11,569 --> 00:17:15,949 Suze: interest rates were still relatively ok in series I bonds. 274 00:17:16,160 --> 00:17:19,639 Suze: So the three month interest penalty would be kind of 275 00:17:19,650 --> 00:17:22,109 Suze: significant if you needed to come out 276 00:17:22,489 --> 00:17:26,949 Suze: that you would also miss the high interest rates that 277 00:17:26,959 --> 00:17:30,959 Suze: you could have locked in in 20 or 30 year 278 00:17:30,969 --> 00:17:36,030 Suze: treasury bonds or for instance, the 18 to 23 month 279 00:17:36,040 --> 00:17:40,188 Suze: certificate of deposit at Alliant Credit Union. 280 00:17:40,709 --> 00:17:44,319 Suze: That's why. And so, no, I would not have bought 281 00:17:44,329 --> 00:17:48,349 Suze: them this past year. Sorry for those who are Series 282 00:17:48,359 --> 00:17:52,209 Suze: I Bond freaks. There was a time when it was 283 00:17:52,219 --> 00:17:56,859 Suze: at 7.2% 9%. It was up there. That's no longer 284 00:17:56,869 --> 00:18:00,880 Suze: the time things have changed. There are alternative ways to 285 00:18:00,890 --> 00:18:02,389 Suze: invest right now 286 00:18:02,839 --> 00:18:06,579 Suze: and I'm just not into locking up money for a 287 00:18:06,589 --> 00:18:08,430 Suze: long period of time. All right. 288 00:18:08,959 --> 00:18:12,708 KT: Next question. So, Suze, what is that URL of the 289 00:18:12,719 --> 00:18:16,430 KT: place I can get a discount on my dental procedures? 290 00:18:16,790 --> 00:18:18,359 Suze: And it was so funny because the other day, I 291 00:18:18,369 --> 00:18:21,209 Suze: was thinking I need to go get x rays and 292 00:18:21,219 --> 00:18:24,629 Suze: a yearly exam. And I was thinking about that 293 00:18:24,989 --> 00:18:30,099 Suze: again, the best way to save money on dental procedures 294 00:18:30,189 --> 00:18:34,000 Suze: more than any other thing out there. Really? Everybody is 295 00:18:34,010 --> 00:18:37,879 Suze: a dental savings plan. You should look it up. Go 296 00:18:37,890 --> 00:18:40,530 Suze: to dental plans.com 297 00:18:41,030 --> 00:18:45,449 Suze: and those plans will cost you maybe 100 to $200 298 00:18:45,459 --> 00:18:50,169 Suze: a year, maybe $200 for your entire family. And you 299 00:18:50,180 --> 00:18:55,829 Suze: can save anywhere from 10 to 60% on dental procedures 300 00:18:55,859 --> 00:18:58,969 Suze: if your dentist in fact takes it 301 00:18:59,094 --> 00:19:02,104 Suze: and if they don't go to a different dent, there 302 00:19:02,214 --> 00:19:03,284 Suze: you go. All right. Go on. 303 00:19:03,925 --> 00:19:07,264 KT: Ok. So Susie, I can get a 10 month CD 304 00:19:07,275 --> 00:19:12,734 KT: at 5.8%. Why isn't that better than the Alliant 18 305 00:19:12,744 --> 00:19:16,515 KT: to 23 month one at 5.3%? 306 00:19:17,574 --> 00:19:20,395 Suze: That's actually a good question. And what's also funny is 307 00:19:20,405 --> 00:19:23,944 Suze: I saw that ad the other day. 308 00:19:24,520 --> 00:19:29,569 Suze: Listen, it's easier to give a higher interest rate for 309 00:19:29,579 --> 00:19:32,060 Suze: short periods of time. 310 00:19:32,569 --> 00:19:37,369 Suze: Look at the treasuries and their returns. They're giving you 311 00:19:37,380 --> 00:19:41,179 Suze: a higher interest rate for a three and six month 312 00:19:41,189 --> 00:19:44,089 Suze: than they are for a one year than they are 313 00:19:44,099 --> 00:19:47,900 Suze: for a two year. So the shorter the period of time, 314 00:19:48,050 --> 00:19:51,780 Suze: they can give you a higher interest rate because they 315 00:19:51,790 --> 00:19:54,819 Suze: know that when that matures 316 00:19:55,464 --> 00:19:59,635 Suze: most likely you'll just reinvest at whatever interest rate they're 317 00:19:59,645 --> 00:20:04,515 Suze: giving you at that time, which will be considerably lower 318 00:20:04,545 --> 00:20:09,015 Suze: because they also know that people tend to not change 319 00:20:09,025 --> 00:20:14,094 Suze: financial institutions. Oh, you're there. What difference can it make? 320 00:20:14,104 --> 00:20:17,114 Suze: I'll just re up again after 10 months. 321 00:20:17,949 --> 00:20:23,369 Suze: When you're looking at the Alliant Credit Union 18 to 322 00:20:23,380 --> 00:20:27,099 Suze: 23 month, you choose your maturity, everybody, 323 00:20:27,819 --> 00:20:31,359 Suze: if you look at the Alliant Credit Union 18 to 324 00:20:31,369 --> 00:20:41,719 Suze: 23 month maturity at 5.3% or 5.35% for $75,000 or more. 325 00:20:42,959 --> 00:20:47,219 Suze: That is a longer period of time. Number one, 326 00:20:47,920 --> 00:20:51,629 Suze: number two. So it's almost twice as long, 327 00:20:52,280 --> 00:20:56,859 Suze: right? A 10 month versus a 20 month or a 328 00:20:56,869 --> 00:21:02,489 Suze: 21 month. So that yield is for eight months to 329 00:21:02,500 --> 00:21:08,089 Suze: almost 10 months longer than a 10 month one that matures. 330 00:21:08,260 --> 00:21:14,889 Suze: If you compare Alliant to the two year Treasury note, it's 331 00:21:14,900 --> 00:21:18,880 Suze: almost 1% higher. 332 00:21:19,390 --> 00:21:24,649 Suze: So the Alliant Credit Union longer term certificate of deposit 333 00:21:25,479 --> 00:21:29,900 Suze: is giving you one of the highest interest rates for 334 00:21:29,910 --> 00:21:33,619 Suze: a longer period of time. So you don't really have 335 00:21:33,630 --> 00:21:36,780 Suze: to worry so much if in three months or six 336 00:21:36,790 --> 00:21:40,899 Suze: months or one year, interest rates start to come down, 337 00:21:41,530 --> 00:21:45,109 Suze: which they probably will at that time because you're still 338 00:21:45,119 --> 00:21:51,189 Suze: locked in for a whole another year. Essentially, that's why 339 00:21:51,479 --> 00:21:53,670 Suze: I was gonna say what's his name or her name? 340 00:21:53,849 --> 00:21:55,530 KT: But I'm not giving you any names. 341 00:21:55,829 --> 00:21:59,629 Suze: That's why everybody now, I just have to say something else. 342 00:22:00,160 --> 00:22:04,939 Suze: Even though interest rates are starting to come down, they're 343 00:22:04,949 --> 00:22:07,699 Suze: starting to come down slowly. 344 00:22:08,390 --> 00:22:11,910 Suze: So sometime next year is when you will see them 345 00:22:11,920 --> 00:22:14,920 Suze: really start to come down. Although you have seen the 346 00:22:14,930 --> 00:22:18,670 Suze: 10 year Treasury note seriously come down, which is why 347 00:22:18,680 --> 00:22:23,420 Suze: mortgages are about to go under 7%. Remember just a 348 00:22:23,430 --> 00:22:29,449 Suze: little bit more, they were at 8%. Ok. But that 349 00:22:29,459 --> 00:22:34,319 Suze: doesn't mean that a year or two or three from now. 350 00:22:34,329 --> 00:22:36,760 Suze: They might not go right. Back up. 351 00:22:37,229 --> 00:22:42,010 Suze: That's why I also want you to have 18 to 23. 352 00:22:42,020 --> 00:22:44,560 Suze: I hope you do the 23 by the way, because 353 00:22:44,569 --> 00:22:49,099 Suze: it's 23 months all the way through. So it's really 354 00:22:49,109 --> 00:22:53,919 Suze: almost a two year certificate of deposit. That's why I 355 00:22:53,930 --> 00:22:56,619 Suze: want you to do some on the shorter end of 356 00:22:56,630 --> 00:23:00,719 Suze: about two years and some on the longer end. So 357 00:23:00,729 --> 00:23:04,739 Suze: you've covered yourself no matter what happens. All right, KT. 358 00:23:05,339 --> 00:23:09,119 KT: So next question, Suze, if I have money that I 359 00:23:09,130 --> 00:23:12,760 KT: really want to speculate with, what are the two stocks 360 00:23:12,770 --> 00:23:16,698 KT: under $10 that I would buy if I can afford 361 00:23:16,709 --> 00:23:18,959 KT: to lose it all? I can't believe this is a question. 362 00:23:19,260 --> 00:23:21,380 KT: I don't know who you are that you can afford 363 00:23:21,390 --> 00:23:24,170 KT: to lose money, but I have a lot of money 364 00:23:24,180 --> 00:23:26,040 KT: and I never want to lose it. 365 00:23:26,630 --> 00:23:29,250 KT: So, what do you have? Do you have stocks under 366 00:23:29,260 --> 00:23:30,040 KT: 10 bucks? 367 00:23:30,050 --> 00:23:32,379 Suze: I do. I actually do. I hate to say it. 368 00:23:32,390 --> 00:23:34,589 KT: All right, give me 2. 369 00:23:34,599 --> 00:23:38,179 Suze: One is Hims H I M S is the symbol is it. 370 00:23:38,640 --> 00:23:42,810 Suze: It's this company that is starting to sell health things 371 00:23:42,819 --> 00:23:46,669 Suze: online and very well may come out with something that 372 00:23:46,680 --> 00:23:49,640 Suze: they can sell online that is kind of for weight loss. 373 00:23:49,780 --> 00:23:51,280 Suze: So that's Hims. 374 00:23:51,339 --> 00:23:53,890 KT: H I M S is it for men? 375 00:23:53,979 --> 00:23:55,020 Suze: It's actually Hims and Hers. 376 00:23:55,892 --> 00:24:00,223 Suze: The name of the company is Hims and Hers and the other one, 377 00:24:00,233 --> 00:24:05,082 Suze: believe it or not is Fubo Fubo. It's like three 378 00:24:05,093 --> 00:24:07,032 Suze: bucks a share or something like that. The other ones 379 00:24:07,042 --> 00:24:09,912 Suze: like at about $8 a share, but it's a TV 380 00:24:09,922 --> 00:24:11,973 Suze: thing and blah, blah, blah. And I don't want to 381 00:24:11,983 --> 00:24:12,792 Suze: spend time on this. 382 00:24:12,802 --> 00:24:20,142 KT: Those are two Suze. Do you still like Reits? Is 383 00:24:20,152 --> 00:24:22,842 KT: it Reits or Reits? 384 00:24:22,853 --> 00:24:25,102 Suze: Real estate investment trusts 385 00:24:25,994 --> 00:24:28,895 Suze: I do. And I do think as interest rates start 386 00:24:28,906 --> 00:24:33,115 Suze: to come down and everything reits are the way to go. 387 00:24:33,125 --> 00:24:37,816 Suze: One of my favorites still is Care trust ctre The 388 00:24:37,826 --> 00:24:40,936 Suze: other one that I had been recommending to you. O 389 00:24:41,105 --> 00:24:45,015 Suze: reality income has really gone up now, 10 to 15% 390 00:24:45,026 --> 00:24:48,015 Suze: already from where I started to tell you all to 391 00:24:48,026 --> 00:24:51,926 Suze: buy it. So again, just be careful there. OK. Go on. 392 00:24:51,994 --> 00:24:54,336 KT: Suze. This is my last big question. 393 00:24:54,719 --> 00:24:59,109 KT: So Suze, now you're recommending Pfizer and Verizon both have 394 00:24:59,119 --> 00:25:03,020 KT: hit their all time lows of the year. Wait. So 395 00:25:03,030 --> 00:25:06,659 KT: why should we buy stocks heading downhill rather than those 396 00:25:06,670 --> 00:25:09,339 KT: magnificent seven? I don't get it. 397 00:25:09,489 --> 00:25:10,540 Suze: KT... 398 00:25:10,829 --> 00:25:12,589 KT: Oh no, here it comes. 399 00:25:12,930 --> 00:25:15,698 Suze: Quizzy time. I have a quizzy for you, but I'm 400 00:25:15,709 --> 00:25:17,430 Suze: just changed my mind. 401 00:25:18,280 --> 00:25:23,239 Suze: Tell everybody what are the magnificent seven. 402 00:25:23,250 --> 00:25:25,729 KT: OK. I have to remember everyone. The only way I 403 00:25:25,739 --> 00:25:28,229 KT: can remember this is the, the, the tip she gave 404 00:25:28,239 --> 00:25:30,089 KT: me Ant Mama. All right. 405 00:25:30,099 --> 00:25:34,188 Suze: So the magnificent seven, everybody are seven stocks that this 406 00:25:34,199 --> 00:25:40,189 Suze: year truly skyrocketed and moved the whole, the whole market, right? 407 00:25:40,530 --> 00:25:42,060 KT: So here we go, 408 00:25:42,469 --> 00:25:48,880 KT: Apple and NVIDIA T Tesla and then the next four 409 00:25:48,890 --> 00:25:53,729 KT: easy for me, Mama Microsoft Amazon, Meta and Alphabet. By 410 00:25:53,739 --> 00:25:55,750 KT: the way, everyone which is really Googled. 411 00:25:55,979 --> 00:26:01,319 Suze: Ding, ding. I'm so proud of you. KT. Here's the thing. 412 00:26:01,650 --> 00:26:05,380 Suze: Let's just turn back the clock of time. And where 413 00:26:05,390 --> 00:26:11,159 Suze: were those magnificent seven stocks one year ago today? 414 00:26:11,640 --> 00:26:15,140 Suze: And let me just give you an example. Apple was 415 00:26:15,150 --> 00:26:19,419 Suze: about 100 and $29 a share today. It's at 200 416 00:26:20,130 --> 00:26:23,739 Suze: NVIDIA I think was about 146 today. It's about 500 417 00:26:23,750 --> 00:26:28,409 Suze: Tesla was about 120 today. It's about 260 Microsoft was 418 00:26:28,609 --> 00:26:33,510 Suze: about, I think it was about 224. Today, it's about 375. 419 00:26:33,729 --> 00:26:38,930 Suze: Amazon was at about 84, 85. Today, it's about 155. Meta 420 00:26:39,260 --> 00:26:45,300 Suze: was at about 96. When on this podcast, everybody, KT said, 421 00:26:45,810 --> 00:26:49,699 Suze: I think I should buy it because, and she did 422 00:26:49,709 --> 00:26:51,699 Suze: and I said I wouldn't touch it with a 10 423 00:26:51,709 --> 00:26:53,810 Suze: ft pole that just gives you an idea. I am 424 00:26:53,819 --> 00:26:55,020 Suze: not always right. 425 00:26:55,400 --> 00:27:00,250 Suze: However, today it's at about 353 way to go KT 426 00:27:00,380 --> 00:27:06,030 Suze: an Alphabet. One year ago, Google was at 89 today. 427 00:27:06,040 --> 00:27:08,889 Suze: It's at 142. Now, why do I tell you that? 428 00:27:09,229 --> 00:27:13,649 Suze: I tell you that because one year ago, nobody wanted 429 00:27:13,660 --> 00:27:18,209 Suze: to touch these stocks. They were going down and down 430 00:27:18,280 --> 00:27:21,270 Suze: and down and down and all of a sudden now 431 00:27:21,280 --> 00:27:25,089 Suze: they're the magnificent seven. And while I do think they 432 00:27:25,099 --> 00:27:27,609 Suze: will continue up. I have told you, I don't think 433 00:27:27,619 --> 00:27:29,410 Suze: they're gonna go straight up from here, 434 00:27:29,790 --> 00:27:32,250 Suze: as you know, I also said to you, Apple is 435 00:27:32,260 --> 00:27:35,859 Suze: one of my favorite, if not my favorite stock and 436 00:27:35,869 --> 00:27:38,810 Suze: I'm waiting for it to go down at least 10% 437 00:27:38,910 --> 00:27:40,569 Suze: before I even buy more. 438 00:27:41,239 --> 00:27:44,550 Suze: But they'll go up, but they could also go down, 439 00:27:44,560 --> 00:27:47,500 Suze: but they're not gonna go up, I don't think to 440 00:27:47,510 --> 00:27:51,920 Suze: the tune of what they went up last year. So 441 00:27:52,280 --> 00:27:54,300 Suze: now we have Pfizer 442 00:27:54,619 --> 00:28:00,430 Suze: Verizon both giving you approximately a 7% dividend, both who 443 00:28:00,439 --> 00:28:04,160 Suze: just recently paid their dividend and raised it a little 444 00:28:04,170 --> 00:28:09,438 Suze: bit again, that are at almost their lows. Don't you 445 00:28:09,449 --> 00:28:12,959 Suze: wish you had bought the magnificent seven at their lows? 446 00:28:13,349 --> 00:28:19,089 Suze: So that's why I am recommending Pfizer and Verizon, especially 447 00:28:19,099 --> 00:28:24,020 Suze: for those who are looking for a high yielding dividend stock. 448 00:28:24,030 --> 00:28:28,489 Suze: Because if you think about it, 7% approximately is a 449 00:28:28,500 --> 00:28:32,119 Suze: whole lot higher than what the money market funds are 450 00:28:32,130 --> 00:28:35,670 Suze: paying and so on and so forth. And over time, 451 00:28:35,680 --> 00:28:37,329 Suze: it might be a year two or three, 452 00:28:37,599 --> 00:28:42,050 Suze: those stocks should be significantly higher. What else you got? 453 00:28:42,060 --> 00:28:47,180 KT: I have one last question in keeping with the Holiday Spirit. 454 00:28:47,439 --> 00:28:51,459 KT: And this is from me, Suze, what is your advice 455 00:28:51,469 --> 00:28:56,420 KT: for gift giving at Christmas if I haven't purchased gifts yet? 456 00:28:56,949 --> 00:28:59,109 Suze: Why did you ask me that? You know what I 457 00:28:59,119 --> 00:29:00,380 Suze: would tell people? 458 00:29:00,390 --> 00:29:01,989 KT: You go ahead and tell them all. 459 00:29:02,380 --> 00:29:05,109 Suze: So, first of all, if you've been listening to us 460 00:29:05,119 --> 00:29:09,170 Suze: for a while, you know that our family tradition has 461 00:29:09,180 --> 00:29:13,790 Suze: always been, you do not buy gifts, you're going to 462 00:29:13,800 --> 00:29:17,160 Suze: give gifts, you have to make them. 463 00:29:17,459 --> 00:29:21,699 Suze: And that started especially with our niece and our nephew, 464 00:29:21,709 --> 00:29:24,810 Suze: Sophia and Travis when they were young and they used 465 00:29:24,819 --> 00:29:27,239 Suze: to kind of live with us and they would have 466 00:29:27,250 --> 00:29:30,989 Suze: to make the Christmas tree we love the gifts they made, 467 00:29:31,000 --> 00:29:34,380 Suze: they had to make the Hanukkah menorah. They had to 468 00:29:34,390 --> 00:29:35,719 Suze: make little 469 00:29:35,849 --> 00:29:39,500 Suze: gifts. And once I walked in and my entire living 470 00:29:39,510 --> 00:29:45,349 Suze: room floor, 1000 cranes of Origami, they took little pieces 471 00:29:45,359 --> 00:29:49,239 Suze: of paper and folded them and made cranes out of 472 00:29:49,250 --> 00:29:53,109 Suze: them and made a Christmas tree out of cranes on 473 00:29:53,119 --> 00:29:54,030 Suze: the floor. 474 00:29:55,099 --> 00:29:59,430 Suze: And that was our gift was fabulous. Remember they, they also, 475 00:29:59,439 --> 00:30:02,209 Suze: when we lived in New York City, they sent us 476 00:30:02,219 --> 00:30:06,170 Suze: a roll of paper that we rolled down the entire 477 00:30:06,540 --> 00:30:11,550 Suze: entire um apartment hallway, which was huge and that one 478 00:30:11,560 --> 00:30:14,930 Suze: happened to be for my 60th birthday and they gave 479 00:30:14,939 --> 00:30:18,349 Suze: me 60 reasons why they, why they loved me. And 480 00:30:18,359 --> 00:30:19,209 Suze: I have to tell you, 481 00:30:19,479 --> 00:30:24,760 Suze: I still have that role to this day. I still 482 00:30:24,770 --> 00:30:31,890 Suze: have those cranes the day. Do you still have your 483 00:30:31,900 --> 00:30:36,699 Suze: Christmas gifts that were purchased for you? 10 years ago, 484 00:30:37,140 --> 00:30:38,420 Suze: 20 years ago, 485 00:30:39,510 --> 00:30:45,709 Suze: even last year, do you or don't you? So that 486 00:30:45,719 --> 00:30:49,449 Suze: would be my answer? Would be make gifts, give gifts 487 00:30:49,459 --> 00:30:53,069 Suze: of value. However, here is my warning to you. 488 00:30:53,739 --> 00:30:59,400 Suze: We are essentially four days away from Christmas 489 00:31:00,079 --> 00:31:04,900 Suze: if you have not purchased because you do purchase them 490 00:31:06,000 --> 00:31:09,790 Suze: holiday gifts for those that you want to give to. 491 00:31:10,079 --> 00:31:13,579 Suze: I am asking you don't do it now. 492 00:31:14,250 --> 00:31:18,140 Suze: And the reason is if you wait till the last minute, 493 00:31:18,489 --> 00:31:21,770 Suze: normally you wait to the last minute because you don't 494 00:31:21,780 --> 00:31:24,310 Suze: have the money or you don't know what to really 495 00:31:24,319 --> 00:31:27,030 Suze: get somebody or you don't really want to do it, 496 00:31:27,040 --> 00:31:30,619 Suze: believe it or not. So, what do you do? You 497 00:31:30,630 --> 00:31:34,130 Suze: go into a store you rush in and the very 498 00:31:34,140 --> 00:31:36,630 Suze: first thing you see you go, oh, that's good. And 499 00:31:36,640 --> 00:31:40,359 Suze: you buy it and then that item ends up in 500 00:31:40,369 --> 00:31:41,530 Suze: the closet 501 00:31:42,079 --> 00:31:45,660 Suze: with the people never wearing it or using it. How 502 00:31:45,670 --> 00:31:48,069 Suze: do I know that? I know that because all the 503 00:31:48,079 --> 00:31:51,540 Suze: years that I did the Oprah Winfrey show and she 504 00:31:51,550 --> 00:31:56,540 Suze: had me go into homes to redo their finances. And 505 00:31:56,550 --> 00:31:58,420 Suze: so to redo your finances, you have to 506 00:31:58,494 --> 00:32:01,515 Suze: go through the things that you hold on to. So 507 00:32:01,525 --> 00:32:04,314 Suze: the first place we would start would be the closets 508 00:32:04,405 --> 00:32:08,594 Suze: that would be full of stuff with tags to them. Right. 509 00:32:08,685 --> 00:32:10,635 Suze: And I'd say, what are those? And they go, oh, 510 00:32:10,645 --> 00:32:13,285 Suze: those are all the Christmas and birthday gifts I've been 511 00:32:13,295 --> 00:32:14,795 Suze: given over the years 512 00:32:15,599 --> 00:32:17,910 Suze: and I go, why didn't you return them? And I 513 00:32:17,920 --> 00:32:21,010 Suze: couldn't hurt their feelings or whatever it may be. So, therefore, 514 00:32:21,099 --> 00:32:27,540 Suze: if you really want to give a gift this holiday season, 515 00:32:27,750 --> 00:32:31,530 Suze: if you haven't already purchased one or every holiday and 516 00:32:31,540 --> 00:32:36,650 Suze: birthday celebration from now on, give a gift that all 517 00:32:36,660 --> 00:32:40,180 Suze: the money in the world could never buy. All right, 518 00:32:40,189 --> 00:32:42,930 Suze: KT that's a wrap. 519 00:32:43,880 --> 00:32:48,280 KT: So today, Suze, wherever I go, I will create a 520 00:32:48,290 --> 00:32:53,239 KT: more peaceful, joyful and loving world. 521 00:32:53,250 --> 00:32:55,479 Suze: And I just have to say something about that. 522 00:32:57,050 --> 00:33:00,400 Suze: I've lived with KT now for almost 22 years, if 523 00:33:00,410 --> 00:33:01,640 Suze: not longer actually. 524 00:33:02,520 --> 00:33:06,420 Suze: And I can tell you there is not a day 525 00:33:06,619 --> 00:33:10,810 Suze: that passes that she doesn't do that. 526 00:33:11,489 --> 00:33:15,030 Suze: And so in the same way that because of that 527 00:33:15,410 --> 00:33:19,589 Suze: KT is unstoppable. If you say that every day, if 528 00:33:19,599 --> 00:33:23,349 Suze: you do that, every day, you too can be just 529 00:33:23,359 --> 00:33:28,459 Suze: like KT and be unstoppable.