Suze: June 11, 2026. Welcome everybody to the Women and Money
Suze: podcast and Everybody Smart Enough to Listen. Today is what KT?
KT: (KT laughs)
KT: She just looked at me with an evil eye when
KT: she said, and everyone smart enough to listen because I
KT: don't listen enough to Miss Suze. Today's June 11th. It's Thursday.
KT: It's almost...
Suze: KT, I just said it was June 11th.
KT: But... so why'd you say, what is it? What is this?
Suze: This is, I'm telling you, do you see everybody, why
Suze: I gave her that eye? It is the Ask KT
Suze: and Suze Anything edition, because I can tell when she
Suze: is not present.
Suze: I pushed the button to start recording. We're all good...
KT: Are we on?
Suze: I'm gonna absolute. Are you kidding me?
KT: OK, let's get started.
Suze: No, KT, really, there are things that I want to
Suze: talk about first. All right.
Suze: So number one, today is the anniversary, KT, of Brett
Suze: and Alexis, my niece. It's their anniversary today.
KT: How years have they been married?
Suze: Too many. No, I don't know.
KT: The kids are teenagers, so probably at least 20.
Suze: A lot, but anyway...
KT: Maybe 20 years.
Suze: Happy anniversary to the two of you.
KT: What a beautiful couple too.
Suze: And children. Stunning anyway...
KT: Alexis looks like a young Suze.
Suze: Lucky her, lucky her.
KT: She does look so much like her Aunt Suze.
Suze: Right? So, but no, but truthfully, the other thing, and
Suze: this one is very, very important. Guess what ended last night?
Suze: The birthday pricing for
Suze: the Must-Have Documents and the Ultimate Scam Protection is over.
Suze: We had told all of you that it was going
Suze: to end on June 8th, about midnight Pacific time, but
Suze: there was such an overwhelming demand for it,
Suze: that we thought, OK, let's extend it two more days,
Suze: but it is now officially over. So what does that mean?
Suze: That means the Must-Have Documents has gone back up to
Suze: $99 and the Ultimate Scam Protection has gone back up
Suze: to $95.88 a year, not just one time only like
Suze: the Must-Have Documents, that is per year. Now something that's
Suze: very important for you to know.
Suze: And I said this in the webinar, in the podcast,
Suze: and it has come to pass. June 21st, the first
Suze: day of summer. The Must-Have Documents, I have been told
Suze: now are going to go up to $153. You need
Suze: to know that. So between now
Suze: and June 20th it will be $99. Starting June 21st
Suze: it will be $153. Listen, Hay House has been wanting
Suze: to raise those prices now for years.
KT: For over a year...
Suze: For years because of the cost to keep everything going.
Suze: I keep saying, no, no, please keep it $99. However,
Suze: they are now raising it, so if you missed the
Suze: birthday pricing,
Suze: you have until June 20th to get it for $99. Remember, everybody,
Suze: it is $2,500 worth of state of the art documents
Suze: that you don't pay for updates. You can share it,
Suze: but it's worth it. It's really, it's more, it's actually
Suze: really more than worth it even at $153. So go
Suze: to musthavedocs.com.
Suze: That's where you can get it or just go to
Suze: suzeorman.com and it's right there on the front page. All right, KT, now...
KT: Actually my first question is about Must-Have Docs.
Suze: Oh, OK, go. All right.
KT: And, and this is perfect timing.
KT: Hi Suze, I have a question for you regarding the
KT: Must-Have Documents. My husband and I have gotten everything in place,
KT: but what happens if I were to die before him
KT: and he remarries?
Suze: Chances are he will.
KT: I know...
Suze: he's he absolutely will.
KT: He probably will.
Suze: I just have to say this...
KT: Men remarry right away.
Suze: Men remarry like sometimes, honest to God, within three months.
KT: Yeah, and before years out.
Suze: Right? So anyway, all right, go on.
KT: Is there something that I can put in the will
KT: or trust that will prevent the current wife from inheriting
KT: my assets? I want to protect our two adult girls.
KT: See, she even said the current wide.
Suze: The current wife, so she knows what's gonna happen there. Listen,
Suze: here's what's important to understand. You have two choices here.
Suze: You could have separate wills and trusts and everything. What's
Suze: in your name, what's in his name. When you die,
Suze: your half automatically does what it goes to your girls
Suze: and not your spouse, however...
Suze: You may not want to do that as well, cause
Suze: you may want him to be able to have certain things,
Suze: live in the house, things like that. But if I
Suze: were you, I have to tell you the Must-Have Documents,
Suze: in my opinion, don't help you here.
Suze: In that they're not that complicated unless you want to
Suze: do separate Must-Have Documents, which you can absolutely do. Listen, KT
Suze: and I have separate wills, trusts, and everything. We do
Suze: not have a joint one, just so you know. However,
Suze: what you could do is go and see a lawyer
Suze: and look into getting a marital trust, a family trust.
Suze: A bypass trust, a Q-Tip trust. There are all kinds
Suze: of solutions that will solve your concern. I don't think
Suze: the Must-Have Documents are detailed enough for you to accomplish what
Suze: you want. So bottom line, go and see a trust
Suze: lawyer or leave it all to your kids and let
Suze: your husband do what he wants and let your kids
Suze: be in charge of your husband. Just saying I'm not
Suze: sure that's what you want.
Suze: But it's interesting that she's thinking that way. Don't you
Suze: think that's interesting?
KT: Well, she kind of has an inkling maybe, but it's,
KT: it's also something that she wants to make sure if
KT: he does remarry that her kids are OK.
Suze: But, however, you have to be very careful because remember, KT...
Suze: Whenever you designate a beneficiary like in a retirement account
Suze: and or a life insurance policy, even if you have
Suze: a trust or a will that says other, when you
Suze: designate a beneficiary, it overrides the wishes of your trust
Suze: or wills. So if in her retirement account, if she
Suze: has one, if she designated that her husband was the
Suze: primary beneficiary of it, guess what?
Suze: It all goes to him, and now she has no
Suze: control over that whatsoever. So could she put the trust
Suze: as the primary beneficiary? It gets very complicated at that
Suze: point for many reasons, because a trust doesn't have the
Suze: same rights as a spouse. And not only that, this
Suze: is very important about what I am to say to
Suze: all of you.
Suze: You have a trust and you say that my half
Suze: goes where to my children and that's where you think
Suze: it's going to go. However, if you own a home
Suze: in joint tenancy with right of survivorship, if you own
Suze: a brokerage account, anything and joint tenancy with right of survivorship,
Suze: you own a bank account, whatever it may be.
Suze: The way that you hold title,
Suze: overrides anything that you say in your trust or will.
Suze: So even if you think that you've covered it in
Suze: your individual trust and that when you die your money's
Suze: going to go to your kids, it depends on how
Suze: you've done it, which is why I'm saying to you,
Suze: go and see an estate lawyer. See, aren't you happy
Suze: that we're so simple.
KT: Yeah,
Suze: Really.
KT: Everything I have goes to Suze. Everything she has would
KT: go to KT.
Suze: Now, but here's what's key about that, everybody. We both
Suze: have the rights to change anything that we want to
Suze: change when that happens, but we do trust each other
Suze: to know that we will abide by each other's wishes
Suze: and not change them.
Suze: And just, you know, honor what each of us want.
Suze: Just that simple. But the majority, seriously, the majority of
Suze: our estate goes to what kt?
KT: Hospitals.
Suze: That's right, medical research and hospitals. All right.
KT: We love that. OK, so next question is this: This
KT: is to Suze and KT. I have to admit I'm
KT: a
KT: latecomer to your podcast and at the age of 55
KT: I feel so overwhelmed. I have a ton of questions,
KT: but the one that keeps coming to mind is about
KT: my 401(k) and 457(b). My job currently matches both accounts
KT: up to 4%. All right, so the question is.
KT: Should I contribute to my 457(b) or should I contribute
KT: to my Roth 401k since it's after taxes? Great So remember,
KT: age 55 here.
Suze: All right, great question and great that you said age 55 KT. However,
Suze: here's the thing, you can do both. You can have
Suze: your cake and eat it too, and you should.
Suze: Because a 457, everybody is an account that you put
Suze: money in before taxes. It's with your company, and this
Suze: company matches up to 4%, the same as her company
Suze: matches for the Roth 401k.
Suze: So why not contribute to both up to the point
Suze: of the match, cause that's a guaranteed 4% on your money.
Suze: After that, however, I personally would then be maxing out
Suze: my Roth 401(k) and hey, if you have even more
Suze: money than that.
Suze: Well, you can go back to the 457, but I
Suze: have a feeling that may max you out totally as
Suze: to what you're doing for retirement. Next question.
KT: OK. Next question is from Chris. Hi, Suze. My question
KT: is about mutual funds. I have a bunch of them
KT: in my 401(k) which I opened over the years. I
KT: have not touched them for decades. I hear what you're
KT: saying about
KT: ETFs and I have invested in some of those as well.
KT: My question is, should I sell the mutual funds and
KT: transition that money into ETFs, or should I keep holding
KT: the mutual funds? I'm swiftly approaching 70 and will start
KT: collecting Social Security then. Right now I'm living comfortably off
KT: my nest egg.
KT: There you go. That's from Chris.
Suze: And this, you see, everybody, when you write me a
Suze: question like this, it's very difficult for me to answer
Suze: because I don't know what mutual funds, I don't know
Suze: the expense ratio of those mutual funds. I don't know
Suze: what those mutual funds are actually invested in. So, Chris,
Suze: here's what I would tell you.
Suze: I would look at the investments in each one of
Suze: those mutual funds and see if they overlap. 12, what
Suze: is the expense ratio of those mutual funds and do
Suze: they make sense? Are they managed mutual funds or are
Suze: they indexed funds? Because remember, a managed mutual fund or ETF.
Suze: In most cases is going to have a higher expense ratio.
Suze: What has been the returns of those mutual funds in
Suze: comparison to the Standard and Poor's 500 mutual fund or ETF?
Suze: Have they been outperforming the S&P or not? Because any
Suze: ETF out.
Suze: There or mutual fund out there. Your goal is to
Suze: either if you're in a Standard and Poor's index fund
Suze: or ETF, of course, you're going to do what that does.
Suze: But if you're in any other fund or ETF, you
Suze: want to know that it's outperforming the S&P 500,
Suze: including the expense ratio, and that goes for every ETF
Suze: and mutual fund. Now, sometimes you have to give them
Suze: years if they're new and they're just out, but that's
Suze: what you're looking at. Then you need to look at
Suze: your goal of what you want for this money. If
Suze: you've already been in there a number of years, you
Suze: already paid the load.
Suze: It's already paid for. So look at the performance, look
Suze: at what you need from your money. I know I
Suze: like ETFs better than mutual funds, but that doesn't mean
Suze: for those of you who have mutual funds, you need
Suze: to get out of them.
Suze: There are great mutual funds. I just like the liquidity
Suze: of ETFs better for many reasons, just that simple. So, Chris,
Suze: I can't help you except to have given you how
Suze: you need to go about making sure what you have
Suze: is what you need. Next question, KT.
KT: So this is from Sharon, and I like this one
KT: a lot, Suze. She's really...
Suze: You like them all a lot.
KT: No, she's this one is a mom who's really trying
KT: to guide a 29 year-old daughter, and that 29 year-old
KT: daughter is totally ripe for these investments.
KT: Hello Suze, I'm trying to help our 29 year old
KT: daughter reallocate some of her funds in her company 401(k).
Suze: Hopefully it's a Roth 401(k).
KT: Wait a minute. She has her contribution going into a Roth 401(k).
KT: But listen to this. Of course, the advisor that
KT: assisted her persuaded her to put the largest portion of
KT: her contribution into a Vanguard target date fund. I'm trying
KT: to encourage her to make note of the expense fees
KT: in these funds and educate her early. Plus, I, like you,
KT: don't think Target.
KT: Date Funds are the way to go. She also has
KT: an S&P fund and a couple of other funds. I
KT: realize she can sell and move out of accounts without
KT: triggering any tax consequences since it's in a 401(k). Just
KT: not sure what is the best way to move out.
KT: There you go.
Suze: Well, you have two things going here right now. Number one,
Suze: what's best for her money.
Suze: And what's best for her self-esteem and her own empowerment.
Suze: I don't want you to raise a daughter who is
Suze: dependent on Mommy and what Mommy wants to do. I
Suze: want her to make decisions on her own. Just that simple.
Suze: Now I'll give you an example of my niece Sophia,
Suze: who I love more than life itself. I wanted her
Suze: to do certain things with her Roth IRA. I did. However,
Suze: she wasn't comfortable in doing that.
Suze: So we talked about it and she decided what she
Suze: was comfortable in, and I was fine accepting that because
Suze: she made the decision. She feels good about it, and
Suze: now she is empowered to make her own decisions. Of course,
Suze: she checks with Aunt Suze, but it's more important for
Suze: Aunt Suze to empower her, to encourage her, and for
Suze: her to feel secure in what she wanted to do.
Suze: So I think it's important that you sit down with
Suze: your daughter and you ask her, not tell her. You
Suze: ask her why did she make those decisions. Does she
Suze: feel good about them? Did she trust the adviser that
Suze: was telling her what to do, because here's the truth,
Suze: the target date mutual fund that she's in right now
Suze: is probably all in the Standard and Poor's 500 index
Suze: cause she's so young.
Suze: So is she duplicating her investments? So I think it
Suze: would be a great exercise to say, hey, let's go
Suze: and look up what the top holdings are in all
Suze: the mutual funds that you own, and let's see if
Suze: there's any duplication.
Suze: Let's look at what the expense ratio is in all
Suze: the mutual funds that you own and see if there's
Suze: a difference there and maybe are you better off just
Suze: being in a Standard and Poor's 500 index fund, which
Suze: she probably is, by the way, and that's it. So
Suze: just look at everything she's invested in.
Suze: And let her make the decisions where she on her
Suze: own feels comfortable. Now, maybe she won't make as much money,
Suze: but people first, then money, then things. Next question, KT.
KT: So, Suze, this is from Jennifer, who's 68 years old.
KT: She said, I have a question. For IRAs, you often
KT: advise whether young or old, you recommend only investing in
KT: Roth IRAs. I own my own small business and I've
KT: been investing in SEP IRAs.
KT: How are they different and should I consider investing instead
KT: in Roth IRAs?
Suze: Well, why not have your cake and eat it too, OK,
Suze: because you can actually do both. You can invest in
Suze: a SEP IRA up to a maximum of 25% of
Suze: your income, no more than 72,000 a year, and have
Suze: a Roth IRA if your modified adjusted gross income qualifies. However,
Suze: you can also, if you want, convert money from your
Suze: SEP IRA into your Roth. Now, you are 68 years
Suze: of age, and you have to decide how long you're
Suze: gonna work. So maybe you wait until your income goes
Suze: down dramatically after you're no longer working, and then you
Suze: start to convert some of the money from your SEP
Suze: IRA into your Roth, so you don't add to your income.
Suze: In the meantime, fund the Roth IRA up to your
Suze: max of $8,600 a year since you are over 50.
Suze: Here's what's so sad, everybody. Few years ago with Secure 2.0,
Suze: they decided, all right, you can all have a Roth
Suze: SEP IRA, but good luck finding one. I've researched Schwab.
Suze: Vanguard stated they're not going to allow them. E-Trade. Nobody
Suze: wants them, so you can always go from a SEP
Suze: IRA and convert to a Roth IRA. Just remember you
Suze: owe taxes on any amount that you convert. All right, next.
KT: OK, this is a question for you, and the subject
KT: was when to take gains off the table.
KT: Hi Suze. Question. I've heard Fitzy say if you've doubled
KT: your money in a stock or ETF, you can take
KT: the gain and leave the original amount in to continue
KT: to grow, hopefully. Did I hear that correctly?
Suze: Yes and Fitzy, everybody is Keith Fitz-Gerald...
KT: Fitzy's like her brother.
Suze: ... and he has something called a free trade where
Suze: if you buy something and let's say you buy it
Suze: at 50.
Suze: And it goes to 100, then take half off the
Suze: table and just leave, meaning you sell, take your gain,
Suze: and then everything that's remaining, the other 50% that you
Suze: left in there, which was your obviously your original investment,
Suze: it's free money. So no matter what happens after that,
Suze: you're fine. However,
Suze: Not that I like to disagree with him very often, but, however,
Suze: it depends. I want to tell you, it depends, where
Suze: is that money held? Is it in a retirement account
Suze: or is it not?
Suze: Because if it's in a retirement account, OK, you can
Suze: sell half, no tax consequences, but if it's not in
Suze: a retirement account and depending on what state you live in,
Suze: let's say, and this has happened, I've seen it happen,
Suze: that you buy something, it goes from 7 to 14,
Suze: you bought a lot of it, or 25 to 50
Suze: within less than a year.
Suze: That means when you sell, you're going to owe ordinary
Suze: income taxes on it and if you're in a high
Suze: state tax bracket as well as federal, you may end
Suze: up giving the majority of that gain back to the
Suze: government in taxes. So all of a sudden you don't
Suze: have a 100% gain there and then was it worth it?
Suze: So sometimes it's worth it and sometimes it's not. I
Suze: would not say that's a hard and fast rule for everybody.
Suze: It depends, in my opinion, your tax bracket, the state
Suze: you live in, and is it inside or outside of
Suze: a retirement
Suze: account and is it going to be a long or
Suze: short term gain? You have to take all of that
Suze: into consideration. Nothing is a hard and fast rule. Yes, KT.
KT: So that's interesting you disagree with your Fitzy.
Suze: Just listen.
Suze: I love him very much, but I have my opinions.
Suze: He has his opinions. I trust him and honor him
Suze: and normally do everything like he would want in terms
Suze: of stock picking ETFs and things like that, but I
Suze: do have my own way of thinking about things...
KT: And he defers to you also.
Suze: Sometimes. So that's all. That's just how I think about it.
Suze: Doesn't make him wrong. Doesn't make me right, although I
Suze: think it does. Go on. All right.
KT: I agree with Suze. OK.
Suze: Of course, because you're married to me.
KT: All right, this is from Rushali. This is a very
KT: sweet email, and, and, um, and I was thinking a
KT: lot about her. She said, first and foremost, Suze, I
KT: wanna thank you for being a role
KT: model for women like me all around the world. I
KT: am an Indian woman who's been living in Oklahoma City
KT: for 22 years, and I recently became a US citizen
KT: six years ago.
Suze: Congratulations.
KT: Yeah, good for you, she said. Though sadly, Suze, eight
KT: years ago my husband took his own life after he
KT: got laid off from his job in 2018.
KT: I am a 48-year-old widow with two girls, one is
KT: 14 and another 17. I inherited his stocks worth $1.8
KT: million now and his IRA worth about $1.2 million. The
KT: house is paid off. I have no debt. My daughter
KT: just got free tuition for four years to Vanderbilt. Wow,
KT: smart daughter.
KT: I work at IT and make $65,000 annually. Please let
KT: me know if I need to buy a home or
KT: invest in the stock market. Your advice is greatly appreciated.
KT: So sweet, right? So I'm thinking he, he died eight
KT: years ago, which means she was a single mom with
KT: two very small girls.
Suze: So she was 40 years old when this happened. You
Suze: know what's a little confusing to me about this one?
Suze: Obviously they had money, house, every, I mean, maybe he
Suze: had an insurance policy which allowed them to pay the
Suze: house off, so you get laid off from a job.
Suze: Right? And you commit suicide. How sad is that? You know, everybody,
Suze: I want you to just think about that. Please don't
Suze: let your job define you. Please don't think that your
Suze: world has come to an end, because wherever you worked,
Suze: all of a sudden is saying that they don't need you,
Suze: so maybe you feel worthless. So, not exactly sure what
Suze: happened there, but what I am sure about is that
Suze: this woman is financially set.
Suze: Totally.
Suze: And so her questions are, after eight years of being OK,
Suze: I have to wonder why is she questioning that right now.
Suze: Did somebody approach her, because her question about should I
Suze: buy a home when she already has a home, as
Suze: her girls are getting older and will probably be out
Suze: of the house soon, who approached her,
Suze: and told her that she needs to take some of
Suze: this money, buy a house, do whatever. I'd have to
Suze: know exactly what she is invested in and everything to
Suze: tell her. And by the way, I will contact her directly, KT,
Suze: because every widow deserves that if you ask me. But
Suze: if you're hearing this now, please don't do anything till
Suze: you hear from me.
Suze: And especially when it comes to these sums of money,
Suze: this will not be something that I do over email.
Suze: I will ask you for your phone, and I will
Suze: call you personally so you can hear my voice, so
Suze: you know without a shadow of a doubt that it's
Suze: not a scammer, this is not fraud. This is something
Suze: that I want to make sure that you are protected.
Suze: You deserve that.
Suze: But I find that very interesting, her question at this
Suze: point in time. All right, KT, what else you got?
KT: So next question. I'm 54. I need a little advice, Suze.
KT: I have $600,000 to invest. I have talked to two
KT: different investment firms. They're both charging 1.5%, which is high.
KT: One firm is Fisher. The other is TMG Marketing,
KT: which stated they open accounts with Fidelity and Schwab. Can
KT: I just do this on my own? I have a
KT: Roth IRA with $400,000 and a traditional with $200,000. I'm
KT: too old to be starting over. Help, please.
Suze: It just depends. You see these expense ratios and you
Suze: think it's too expensive. You see what advisors are charging
Suze: to manage your money. You think it's too expensive.
Suze: So, you have to judge yourself, are the advisors or
Suze: the expense ratios worth it? Because in the long run,
Suze: they will make you more money than you can make
Suze: for yourself.
Suze: You could easily do this on your own. You could
Suze: easily do many of the ETFs that I've talked to
Suze: you about, many of the individual stocks. You can start
Suze: by dollar cost averaging and see how that feels. In
Suze: the meantime, you might want to put a lot of
Suze: this money just in a money market account or something,
Suze: so at least it's making an interest rate for yourself
Suze: and see how that feels. It's not the firm.
Suze: That you're going to, that determines if they're gonna make
Suze: you money or not. It is the advisor that works
Suze: at that firm.
Suze: What is their track record? Will they let you speak
Suze: to other people that they've managed their money? Has the
Suze: adviser made at least 5% more a year than the
Suze: Standard and Poor's 500 index after fees? All of that
Suze: is important with anything, otherwise you are just better off
Suze: in an ETF
Suze: that's the Standard and Poor's 500 index, just that simple,
Suze: or any of the other ETFs seriously that I've mentioned
Suze: for a long time on this podcast. You know, maybe
Suze: on Sunday, I'll go over some of my faves again,
Suze: fave stocks, and I'll talk about that and I'll address this.
Suze: But I personally think a lot of people have what
Suze: it takes to do it on their own.
Suze: That doesn't mean that you don't take some of your
Suze: money and put it into managed ETFs, you know, SMH
Suze: has always been one of my very, very favorite. Just saying.
Suze: So you're going to have to make this decision. However,
Suze: I'm going back to: nobody ever asks a question
Suze: like this that they don't know the answer to. So
Suze: before you hand over this money to somebody that you
Suze: really maybe don't know, why don't you give it a
Suze: try on your own and see how it feels. But
Suze: if you do that, you make sure you dollar cost average,
Suze: you go very, very slowly. I don't care what you
Suze: are investing in.
Suze: This is the time little amounts of money, dollar cost average,
Suze: because I still don't like what's happening over in Iran
Suze: and anything can go wrong that way at any time.
Suze: So can we just go really slow for right now.
KT: Caution. Caution, caution.
Suze: It is. I am very...
KT: Suze's been really cautious lately, even with our own money.
Suze: Yeah.
KT: Very cautious.
Suze: I don't care who, what, just be cautious right now.
Suze: And as things go down, OK, little by little, if
Suze: you like the investment, follow it down, but I would
Suze: probably think most investments are going down right now.
Suze: All right, KT, I guess that's it. Is that it?
KT: No, no, no, I have one last one that's for me.
KT: This isn't a. This isn't a question. I want to
KT: share this. This is, this is about KT's summer reading list.
KT: You ready?
Suze: Who wrote you about what you should read?
KT: This is from Megan, and Megan, I love that you
KT: addressed this, and, and I'm gonna take you up on it.
KT: She said, sometimes I feel like the universe is talking
KT: to me, and today was one of those days. I
KT: was listening to your Thursday podcast when KT said something
KT: about Roth's. She said, so this message is really for KT,
KT: but a bit for Suze as well. So I love this.
KT: She said, I'm a teacher and my school is doing
KT: a book study this summer on
KT: The book Limitless Mind, if you haven't read it, it's
KT: about having a growth mindset as opposed to a fixed mindset.
KT: A growth mindset is a belief that one can change
KT: their abilities and knowledge through effort, learning, and persistence. That
KT: part's for KT.
KT: So she said, I personally think that you might be
KT: able to shift your mindset to start believing in the
KT: power of yet, as in, I haven't figured out Roth's yet, Suze.
KT: And then Megan said, I know you can do it
KT: if you set your mind to it, KT. I think
KT: Suze believes this too, but I'm not convinced you do.
Suze: So KT, where in there is it for me?
KT: OK, so she said, Suze called you smart, which is
KT: a word I actually try hard not to use as
KT: a teacher because it implies that we either know things
KT: or we don't.
KT: And it doesn't encourage the kids or KT to think
KT: about what they don't know but could learn.
KT: Isn't this great? I love this. Everyone. Limitless Mind.
Suze: So are you gonna...
KT: Joe Bowler's book. Joe Bowler, I guess, is the author.
Suze: So are you ordering it?
KT: No, you're gonna order it for me today from Amazon.
Suze: No, I am not. You are going to order it
Suze: for yourself...
KT: Limitless Mind.
Suze: ... and we are going to read it together.
KT: I love that. Maybe I'll do some excerpts of
KT: what I've learned about Roth while I'm learning about Limitless Mind.
KT: Do you like that, Suze, my summer reading? I like it.
Suze: I'll tell you after you've read it. All right, everybody, Sunday,
Suze: Suze School. I'll give you an update on things that
Suze: I think, and, but I always do anyway, don't I?
Suze: And remember,
Suze: birthday pricing has gone away, so I hope you took
Suze: advantage of it, but especially for the Must-Have Docs. Remember
Suze: the $99 at musthavedocs.com goes away on June 20th, and
Suze: on June 21st as the sun rises, first day of summer,
Suze: it will be $153. So please, if you're gonna do it,
Suze: now is the time.
Suze: But really, KT, there's only one thing that we want
Suze: people to remember, and what is that, my love?
KT: That it's people first, then money, then things, now you...
KT: Now you...
Suze: She's pointing at me. She's pointing at me still. Now,
Suze: what should I do?
KT: Stay safe.
Suze: All right, everybody, bye bye.