Suze: June 12, 2025. Welcome everybody to the Women and Money... Don't make me.
KT: Why are you laughing?
Suze: I don't know.
KT: I'll tell you why she's laughing, everybody, because this is
KT: take three. She read this beginning three times with the
KT: wrong date, so I'm looking at her and I'm saying
KT: I'm shaking my head. No, Suze, it's the 12th, not
KT: the 11th, not the 10th, it's the 12th of June.
KT: There we go.
Suze: All right, so you feel better now.
KT: It's almost Bastille Day.
Suze: Do y'all feel better now? You're good. All right. So
Suze: this is the Women and Money Podcast, and Everybody Smart
Suze: Enough to Listen.
Suze: And today is...
KT: Ask KT and Suze Anything.
Suze: But it's obvious that KT is going to tell me
Suze: everything today. I can tell you she's just a little
Suze: whatever buster already and it's early and it's just she's
Suze: she's very rambunctious already. Is that because Colo comes home?
KT: No, it's because you're taking me out today on the boat.
Suze: By myself?
KT: Just you
KT: and me, baby, you and me, just you and
KT: me.
Suze: How are we going to explain that to Colo?
KT: I'm telling him he has other things to do. We're
KT: going alone, just you and me.
Suze: Is there
Suze: a reason why?
KT: Yeah, cause we can, but let's start this podcast.
Suze: Wait, can I tell you a story? All right. So
Suze: as you know, yesterday, right, Mr. Davis came over to
Suze: say hi to us. Now Mr. Davis...
KT: Love him.
Suze: Love him is like in his he's
KT: the godfather of this island. He's the best farmer, fisherman,
Suze: The
Suze: best fisherman ever, ever. So it's funny, KT, because yesterday
Suze: I was telling him how you and I are going
Suze: to start going out on the boat by ourself, and
Suze: he said, you know, Suze, you've come so far. I
Suze: remember like 10 years ago.
Suze: I would be going out fishing, and there you and
Suze: KT would be in your boat with your little fishing
Suze: rods catching the tiniest little fish...
KT: On the dock.
Suze: No, we would be at Mrs. Boo in front of Mrs. Boo,
Suze: and we would go every single day, you guys, to
Suze: this spot. Because
Suze: we were afraid to go
Suze: very far.
KT: 12 ft of water we would anchor and it was
KT: a big deal to anchor. I'll never
KT: forget.
Suze: And we caught these little tiny fish and we would
Suze: be so excited and then we would go to the
Suze: filet station. KT would filet them, but he said every
Suze: day he would see us there.
Suze: And he said, 'You girls have come a really long way.'
Suze: But don't you love that he told that story? All right,
Suze: you have questions for me.
KT: I do.
Suze: What are they?
KT: Are you ready?
Suze: I hope so.
KT: OK, everyone, here we go. Buckle up. Hello, Suze. Thank
KT: you for helping women with their finances. I am a
KT: new senior, and I understand about stocks and GICs.
Suze: Do you know what at GIC is?
KT: Yeah, guaranteed investment certificates.
Suze: How did you know that?
KT: Because it says it right here. It says it on
KT: my email, but I still don't know what a GIC is.
Suze: I'll tell you.
KT: I know what a geek is, but I don't know what a GIC is.
Suze: I'll tell you...
Suze: Read me the question.
KT: I do not understand why bonds are necessary. Also, there's
KT: so many bonds. Would you recommend bond ETFs, which types,
KT: and what should be the goal for bonds? I know
KT: it's the fixed income part and the income would be
KT: my goal. Why would bonds be better than GICs? Suze,
KT: you're a geek. Tell him why.
Suze: So a GIC is what again KT?
KT: Guaranteed investment certificates.
Suze: And they are usually offered, so this person must be
Suze: from Canada because they're usually offered by Canadian banks and
Suze: trust companies.
KT: Why?
Suze: Because that's just they like like them. And so when
Suze: you purchase one, you're essentially lending a bank or a
Suze: financial institution money for a fixed period of time.
Suze: When you do that, that bank guarantees your interest rate
Suze: and everything back, kind of like a bond, but because
Suze: it's all kind of guaranteed up to $100,000 by the way.
Suze: But anyway, they give you a lower interest rate than
Suze: a bond would.
Suze: So that's essentially what a GIC is. Did that not
Suze: explain it?
KT: So which is better, a GIC or a bond?
Suze: So the thing about a GIC,
Suze: right, for those of you who would ever come across them,
Suze: you get a lower interest rate. It's fixed normally depending
Suze: on what kind of GIC you buy 'cause there's 3
Suze: or 4 kinds of different ones, then you usually don't
Suze: get your interest rate till it matures. It's not like
Suze: a bond that if interest rates go down, the value
Suze: of the bond goes up, that you can easily cash
Suze: out of and things like that. So here's the answer
Suze: to your question. What is this person's name?
KT: Elisa.
Suze: So here's the thing, the disadvantage of a GIC is
Suze: that you generally get a lower return in comparison to
Suze: a bond. You don't have as much liquidity as you
Suze: do with a bond, and again, obviously your interest rate
Suze: earned is taxable to you.
Suze: So I personally like bonds because you can buy and
Suze: sell them any time you want. The interest rate is
Suze: higher than a GIC, and it just gives me more flexibility.
Suze: But if you like that your principal is protected, you
Suze: like the guaranteed return, you like all of
Suze: those things then just stick with your GICs. All right.
KT: Now listen to the next question carefully, everybody and Suze.
KT: The reason I picked it, it's from Russell. Russell from Louisiana,
KT: but this is why I picked it. Here's his subject.
KT: This is the title of the email. Should I pay
KT: off my annoying student loan?
Suze: Well, there you go. The
Suze: answer is yes.
KT: But should I read it to everyone? So Russell has...
Suze: That's your job.
KT: All right, so, so I, when I read that, I
KT: knew that Suze and I both would say yes is
KT: the answer. I have $3600 remaining in student loan debt,
KT: and I'm so tired of paying it monthly.
KT: I graduated in 2012. This student loan has been on
KT: been on my back. He wrote, been on my back
KT: for 13 years. I'm so tired of dealing with it.
KT: So he said, then he gives me a little details,
KT: and then he said, Should I suck it up and
KT: pay off the student loan out of my savings or
KT: continue to pay that annoying monthly payment
KT: plus some.
Suze: Give him the answer.
KT: So yes, pay it off and forget it. Set it
KT: and forget it, Russell. You're done. That's it. You're done.
KT: School is out.
Suze: No, student loan debt is over.
Suze: All right.
KT: All right, ready?
Suze: I told you she was very rambunctious this morning.
KT: So this is from Jason.
KT: And Jason said, hi Suze and KT. I haven't listened
KT: in a few weeks, so I'm not sure what...
Suze: What the heck is the matter with you?
KT: I don't know.. Where you been Jason?
Suze: Where have you been, Jason.
KT: Not sure what's new with you both, but I certainly
KT: hope you're as well as can be.
Suze: Well, wait. Is there anything new with us?
Suze: Let's think. I don't know. I don't, I'm not saying
Suze: there is, but is there anything new with us in
Suze: the past two weeks?
KT: Yeah, we've been so happy.
Suze: I turned 74.
KT: Yeah, but we're just real happy on the island.
Suze: But we're always happy. That's not new.
KT: Um...
Suze: So no, nothing's new with us. You haven't missed anything.
KT: You haven't missed anything except you've been missing this podcast,
KT: which has been great, Jason. So he said, and he's
KT: asking this question. Suze, are you still a fan of
KT: dental savings plans?
Suze: And the answer to that, KT is you bet we
Suze: are and again for those of you who don't know.
Suze: A dental savings plan can be gotten through a company
Suze: by the name of Dental Plans.com, and a dental savings
Suze: plan is issued by insurance companies, and if you have
Suze: one or if you get one.
Suze: Normally you can get one for 150 a year, maybe
Suze: $200 a year for your entire family. You can get
Suze: anywhere from 10 to 60% off dental procedures. KT and
Suze: I both have one, and we save hundreds and hundreds
Suze: of dollars every single year on our dental procedures. So
Suze: go to dental plans.com.
Suze: And check it out and see, and I have a
Suze: feeling if you really want to be smart with your money,
Suze: the Suze way, get yourself a dental savings plan. All right, KT.
KT: So this is from Lily, and I don't know the answer, but...
Suze: Oh really?
KT: Wait, wait, wait...
Suze: Does that surprise you?
KT: It's about a Roth, everybody.
Suze: I just want to tell you all, right? So KT
Suze: and I spent the weekend, actually I spent the weekend
Suze: watching
Suze: the finals of the...
KT: Paris Open tennis
Suze: Great tennis. KT decides to join me. Oh my God,
KT: That's not
KT: nice.
Suze: Oh my God.
KT: I don't play tennis. I'm not a big sport, jock.
KT: I don't know...
KT: ... really all of the nuances I've never seen the
KT: ad you have to, you get
KT: all these
KT: points
KT: are confused...
Suze: If any of you are with KT and you're going
Suze: to go to a tennis game, don't.
KT: Send me to go get the drinks. Alright, ready. So
KT: Lily asks my retired friends, ages 68 to 70, say
KT: I'm a fool for converting my traditional IRAs to a
KT: Roth and say,
KT: let our adult kids pay the taxes. I'm 77 years
KT: old and I've 4 kids, 27 to 31. We all
KT: had read that we'd been in a much lower tax
KT: bracket when we were old and retired, false. She said.
KT: We're in a much higher tax bracket than when we
KT: were younger.
Suze: Wait, I have to say something. The most important part
Suze: of this email is exactly what you've just read. The
Suze: reason that I'm telling all of you that
Suze: you should do a roth roth roth roth. I don't
Suze: care what tax bracket you're in today. If you buy
Suze: this myth that when you get older, you're going to
Suze: be in a lower tax bracket, I've got a bridge
Suze: to sell you, especially given the deficits and the debt
Suze: that we have. So listen to what she just said.
Suze: Go on, KT.
KT: Suze, in the past couple of years, I converted 300,000
KT: in traditional IRAs to a Roth after listening to your
KT: show and reading your book.
Suze: And does she say how much she has remaining?
KT: Yeah, she's, so here's her dilemma. She has 500,000 remaining
KT: in traditional IRAs.
Suze: So obviously she's...
KT: She's 77.
Suze: So Lily, listen to me. I have to tell you,
Suze: your friends are right
Suze: on this, and the reason is that you're already in
Suze: a high tax bracket at 30%. If you convert, you're
Suze: going to go to a higher income tax bracket, number one,
Suze: but you're going to lose out on the growth of
Suze: that money.
Suze: The only people that will not benefit from you converting
Suze: now will be your kids because they're going to have
Suze: to pay income tax on it, but KT just gave
Suze: me your email and it says that your kids are
Suze: in the 12 to 22% tax bracket, so I would
Suze: not be at your age converting at this point in time.
Suze: I would take out what you need to spend.
Suze: What you might want to do is if you have
Suze: income from other investments or whatever, just save that and
Suze: live off the money that you do take out of
Suze: your traditional IRA and spend that, but I would not
Suze: be converting large amounts on any level to a Roth
Suze: at your age. All right, KT.
KT: Suze, this next question's from Luis, but ready?
Suze: Did it already make you laugh?
KT: Yeah, it does because he's he wrote this. Hello, Suze
KT: and the amazing KT.
Suze: The only reason she picked it. Go on.
KT: Wait a minute. Listen to the first sentence, everyone tell
KT: me how you would feel. KT, like you, we don't
KT: always get Suze's questions right.
KT: But that's OK. We still love your perspective on the show. So,
KT: so thanks, Luis. That's a compliment, I guess. So Luis...
Suze: Just don't watch tennis
Suze: with her. Go on.
KT: No,
KT: don't watch tennis with me. So, but I'm gonna go
KT: to watch tennis next year in Paris.
Suze: We decided for...
KT: I am taking Suze for her birthday.
Suze: We're going to the Paris Open because I love tennis.
Suze: All right, go on.
KT: So I'm writing today to ask about financial adviser management
KT: fees on IRA accounts.
KT: And it's called AUM,
Suze: Assets Under Management.
KT: OK, so my past two financial advising companies allowed me
KT: to pay all management fees for all of the accounts
KT: they were managing Roth, traditional brokerage, so on and so
KT: on from a non-retirement taxable
KT: Brokerage account.
KT: Of course. How else would you pay it?
KT: Well, listen to this. So we're looking at moving to
KT: a new financial planning company. When we told them we
KT: wanted to pay all management fees from a non-retirement taxable
KT: brokerage account, they said it wasn't legal to do so.
KT: And that the fees associated with each account needed to
KT: be paid out of each respective account.
Suze: Luis, the answer is very simple here. Get yourself a
Suze: new financial firm. If they're wanting to take money from
Suze: a retirement account to pay your fees, are you crazy? No.
Suze: Outside of retirement accounts is how it's done properly. Go on.
Suze: Ooh, she's reading. She's very serious.
KT: Because this is um kind of...
KT: All right, so ready, everybody.
Suze: You picked it.
KT: Sally, I know, but Sally wishes Suze happy birthday, but
KT: listen to the email.
KT: This is my question. With my husband being on the
KT: fringe of death a number of times, I mean, that's
KT: why I'm reading this thinking, is this, I don't want
KT: to make light of this, but with my husband being
KT: on the fringe of death a number of times, we
KT: decided to re-deed our rental properties in his name to
KT: avoid large capital gains.
Suze: Smart move, yes.
KT: But, however, I'm just realizing that if he dies first.
Suze: Which you hope he does. That's why you did it.
KT: This opens me up to probate with these properties, correct?
Suze: Only if she doesn't have a living revocable trust.
KT: Well, wait, I keep reading about joint tenancy with right
KT: of survival.
Suze: That I won't do it for her.
KT: But I'm lost. Did we make a mistake? Oh, I'm
KT: glad that you're going to fix this for her.
Suze: So you did not make a mistake yet.
Suze: What you want to do is if you put the
Suze: property in joint tenancy with right a survivorship, then obviously
Suze: it's in both of your names and you only get
Suze: a step up in basis on his half.
Suze: You put everything in his name cause obviously you bought
Suze: all these properties and I see there's quite a few
Suze: here like 4 or 5. You bought them all years
Suze: ago at a very low cost basis if they're only
Suze: in his name upon his death, it goes to you.
Suze: You get a step up in basis on all of them.
Suze: So let's say you paid $100,000 for all the properties,
Suze: and now they're worth $3 million. If they're just in
Suze: his name upon his death, your new cost basis will
Suze: be $3 million. If you turn around and sell it,
Suze: you don't owe any capital gains tax whatsoever. The key
Suze: is it should be in his trust. You should have
Suze: a living revocable trust, just his name.
Suze: And the property should be held in trust, his trust,
Suze: and you're the beneficiary. So for his benefit while he's
Suze: alive upon his death, you're the successor beneficiary. You get
Suze: all of those and get a step up in basis.
Suze: A will will make it so you're probated. You don't
Suze: want joint tenancy with the right of survivorship. So now
Suze: just get yourself a living revocable trust which, by the way.
Suze: By the end of today you can go to musthavedocs.com/birthday,
Suze: and you can get the must-have docs for $74 till
Suze: the end of the day Pacific Time, so midnight Pacific time.
Suze: You can do that. So just go and get those
Suze: $74 for $2500 worth of state of the art documents,
Suze: and you can do it right in the luxury of
Suze: your own home. Good in all 50 states. And here's
Suze: the thing, I just want to answer this one question
Suze: because a lot of you have been writing it. You
Suze: hear me say that if you get these documents you
Suze: can share it with as many people as you want,
Suze: and you can.
Suze: But you're afraid. Does that mean that they can see
Suze: your documents? Do they get to know everything that you've done? No,
Suze: you just give them the activation code. They activate it,
Suze: and then they create their own account, their own password,
Suze: their own name, and everything they do in it. Nobody
Suze: can see what they do. Nobody saw what you did.
Suze: So the reason that I've done that is that it
Suze: only takes one of you.
Suze: And then you can share it with your mother or
Suze: your brother or your sister or your children, so all
Suze: of you can be protected.
KT: Get it right away, Sally, today.
Suze: Today you got only till end of today, Pacific time. All right.
KT: All right. Next question is from Kelly. She said, Hi,
KT: Suze and KT, and she said, I picked this because
KT: KT's favorite topic, the Roth. She writes, The Roth.
Suze: You have quite the reputation, my dear.
KT: I do.
KT: So the question is, I have $300,000 in a traditional
KT: IRA and $100,000 in a Roth IRA. I'm currently contributing 14%
KT: of my income to the Roth. Would it be better
KT: for me to continue contributing 14% to the Roth or
KT: contribute less or nothing to the Roth and instead
KT: do a traditional IRA conversion. I currently earn $69,000 a year.
KT: I'm 54 years old and I am single. What is
KT: in my best interest long term? This is from Kelly.
Suze: Yeah, Kelly, listen to me very quickly. Why don't you
Suze: do both? Do not stop contributing to the Roth by
Suze: any means. Just don't do it.
Suze: Right, because you could only put so much into a
Suze: Roth every year and you would be missing out on
Suze: those contributions. You can convert any time you want. I
Suze: would be contributing the Roth and I would be converting
Suze: little by little from a traditional to a Roth. All right, OK.
KT: Suze, my last question is from Judy.
Suze: I have to tell you, I think she says this
Suze: is her last question because this is a two page
Suze: email she's about to read. So what the heck?
KT: I'll tell you, I think a lot of you listening
KT: have either gone through this or know someone that absolutely
KT: has very serious so my name is Judy. I'm 31
KT: years old.
KT: I've been listening to the Women and Money podcast since
KT: July of 2024. Good, you have an anniversary coming up, Judy.
KT: In March of '24, I found out I was pregnant.
KT: My husband and I were absolutely thrilled by the news,
KT: and we welcomed our son in November 2024.
KT: Now ready, listen up, everyone. Shortly after finding out about
KT: my pregnancy, my husband informed me that he was in
KT: credit card debt to the tune of about $45,000. We
KT: have a joint savings account through my bank, but we
KT: keep most of our finances separate and split household bills.
KT: My husband pays the mortgage. I
KT: pay utilities, cable, so on and so forth. Unfortunately, ready?
KT: After he told me about the debt, we decided to
KT: take out a HELOC to cover it. Big mistake, right?
KT: Our loan is for $45,000 at a 10% interest. I
KT: wasn't listening to the podcast at the time, and I
KT: now know it isn't how I would have handled the situation.
Suze: But that's all right.
KT: I do check in periodically with my husband to make
KT: sure he's making the monthly payments, but Suze, even as
KT: I'm typing this email, I know I need to be
KT: more involved. He makes about 150,000 a year. I make
KT: about 63,000. Ready, everyone, let's introduce suspect number two, my
KT: husband's mother.
KT: This is the part that's a little tricky.
Suze: What did, what bad habit did he learn from
Suze: his mother?
KT: She is in the process of selling her home. She's
KT: asked my husband to co-sign on an apartment lease for her.
KT: I know this is one of Suze's top 3 red flags,
KT: so her credit score is less than 600, but I
KT: don't know exactly what it is. I do. I do
KT: not want my husband to cosign. I have expressed this
KT: to him.
KT: There are a lot of unknowns surrounding this situation. She
KT: currently lives in a home she cannot afford. Her mortgage
KT: is 2200 with a 250 HOA fee. Yeah, wow. Her
KT: rent in the new apartment will be 2000.
KT: In my mind, I don't feel like that is enough
KT: of a difference to feel comfortable cosigning for. I looked
KT: at our county's property tax records and saw that she
KT: had refinanced her current home at least twice since moving
KT: into that home in 2020.
KT: She originally bought it for 225,000 and in 2024 refinanced
KT: with a new mortgage for 279,000. My husband is an
KT: only child and his dad died from cancer
KT: in 2015, he feels like he needs to co-sign his
KT: mom to help her.
Suze: Of course he does. They are codependent.
KT: Listening to the podcast. I've... listen to what what Judy's doing, everyone...
KT: and you tell me if this marriage is a little shaky.
KT: Since listening to the podcast, I've opened a savings account
KT: through Alliant. I am more than halfway to having a
KT: 12 month emergency fund.
KT: I also have a $2000 fund in a regular savings
KT: account in case I need it for home repairs. I
KT: opened a 529 for my son that has almost $1000
KT: in it. I contribute to a retirement plan through my
KT: job and also to a pension since I work for
KT: the government. I'm trying to do everything in my power
KT: to be financially secure.
KT: She missed the word alone. I do not want to
KT: divorce my husband, but I need help. Any advice would
KT: be greatly appreciate appreciated. You know what makes me sad?
KT: They have a brand new baby boy. He's not being
KT: respectful or honest. He's not standing in his truth with
KT: his wife, Susie. Well, what should, what should Judy do?
Suze: Judy. So first of all, you're doing great on your own.
Suze: And you obviously, I mean, what struck me about this email,
Suze: my love, is that did I hear it right that
Suze: your husband makes like $150,000 a year and you make $63,000?
Suze: So did you ever ask him what did he spend
Suze: that $45,000 on? Did he ever come clean with that?
Suze: Because it seems to me when somebody's making three times
Suze: what you're making essentially.
Suze: What is he doing? Does he have a gambling problem?
Suze: I'm very serious about this. Does he have some other
Suze: kind of problem, or is he just like somebody who
Suze: wants to show off and he takes his friends out
Suze: to drinks and he pays for everything, and he pretends
Suze: like he has more money than he does? But he
Suze: is not somebody that is responsible with money and just
Suze: because you did a home equity line of credit.
Suze: And he's making the payments on it. Uh, uh, what
Suze: I would be doing if I were you, cause you
Suze: said that you know you need to be more financially responsible,
Suze: is he is to give you the money every single month,
Suze: and you are going to make the payments on the
Suze: home equity line of credit. And if he says why,
Suze: tell him cause Suze doesn't trust you.
Suze: Just say it that way cause I don't trust him
Suze: to not fall into bad habits again. I want you
Suze: to check both credit reports. Is he up to date
Suze: or is he not? I want you to call the
Suze: company that you have the home equity line of credit with,
Suze: and I want you to ask them if, in fact,
Suze: has he been on time. Have your payments, cause they're
Suze: not just his, they're your payments as well.
Suze: Have your payments been on time every single month, or
Suze: have there been late charges with those payments? So let's
Suze: get you real with what's happening with that home equity
Suze: line of credit number one. As soon as you know
Suze: everything is up to date, he is to pay you,
Suze: and you are in charge of making those payments. Next,
Suze: his mother. I'm sorry.
Suze: I'm sorry that she lost her husband and he lost
Suze: his father maybe 10 years ago or whatever it was now. However,
Suze: that is the past. Guilt, shame, and anger are the
Suze: three internal obstacles to wealth. Guilt is not enough
Suze: to have his mother not only get herself into financial
Suze: trouble again but to get you and your husband into
Suze: financial trouble again cause you are not going to be
Suze: able to afford an extra $2000 a month to pay
Suze: for her apartment and then he won't have the nerve
Suze: to be able to say, Mom, you've got to move
Suze: out and then she's going to be living with you.
Suze: I was going to say that. What can you do?
Suze: She is to stay in the home that she has.
Suze: Now the difference between what she's paying right now $2200
Suze: a month plus $250 for homeowners association is just $450
Suze: more a month than what her apartment would cost her
Suze: for $2000 a month. Your husband, if he wants, should
Suze: pay the difference between what she would pay renting.
Suze: And what she's paying now, so that's only $450 a month.
Suze: If he wants to give his mother $450 a month
Suze: to be able to stay in her home, fine, but
Suze: something is going on with his mother as well. We
Suze: have a husband and we have a mother-in-law that spends
Suze: more money than they have coming in. They are both
Suze: living a financial lie.
Suze: And I say that with the utmost of love to you.
Suze: You have to be the strong one because your husband
Suze: is not, your mother-in-law is not. It is so crazy
Suze: that she has blown the equity in her home on what?
Suze: So either you all need to sit down, the three
Suze: of you, and have an honest financial conversation. Your mother-in-law,
Suze: if she gets in financial trouble, you and your husband
Suze: do not have the money to save her, and she
Suze: is getting older and older, and her expenses will be increasing.
Suze: So she is to stay in a home now that
Suze: she owns, build up equity in that home.
Suze: And just be honest, but no, he is not going
Suze: to co-sign that loan. You are going to have an
Suze: honest talk with both of them. You are going to
Suze: pay for the home equity line of credit. You're going
Suze: to check credit reports and you're going to stand on
Suze: your own. And if your husband doesn't like it, then
Suze: let him stand on his own.
Suze: And he's gonna find out he's a lot better with
Suze: you than without you.
Suze: All right, Ms. Travis, that brings us to an end here, right?
Suze: Guess guess who's coming home today?
KT: Colo.
Suze: Colo comes home in just a little bit. So we're
Suze: going to sign off. He's been with his wife in
Suze: Colombia and so I hope he's happy to come home
Suze: to his two mamas, but
Suze: anyway, there's only really one thing we want you to
Suze: remember when it comes to your money and what is it, KT?
KT: People first and money and things.
Suze: And don't forget Suze School on Sunday. Let's see what
Suze: I come up with. Until then, take care. Bye-bye.