1 00:00:00,009 --> 00:00:04,579 Robert, Suze & KT: All right, Suzie KT. Are you ready for today's podcast? Yeah, Robert, 2 00:00:04,590 --> 00:00:06,079 Robert, Suze & KT: of course, we're ready 3 00:00:06,090 --> 00:00:10,209 Robert, Suze & KT: because we are unstoppable. Yeah, baby! (Music in). 4 00:00:33,590 --> 00:00:35,939 KT: August 3rd, a very... 5 00:00:37,290 --> 00:00:38,509 Suze: What year? 6 00:00:38,520 --> 00:00:39,720 KT: 2023, everybody you know that. 7 00:00:40,060 --> 00:00:43,150 Suze: Now before you tell them, why can we at least welcome 8 00:00:43,159 --> 00:00:45,810 Suze: them to the Women and Money podcast and everybody's smart 9 00:00:45,819 --> 00:00:48,810 Suze: enough to listen. Can we tell them that it's the 10 00:00:48,959 --> 00:00:52,419 Suze: KT and Suze edition? And so now can you tell 11 00:00:52,430 --> 00:00:52,540 Suze: them 12 00:00:52,604 --> 00:00:54,814 Suze: why you're so excited about August Third? 13 00:00:54,825 --> 00:00:58,854 KT: Before I name all of the special birthday reasons, We 14 00:00:58,865 --> 00:01:03,395 KT: need to congratulate Suze that this week, she was named 15 00:01:03,404 --> 00:01:09,394 KT: by Forbes Fifty Over Fifty. Best of, is it best of or what 16 00:01:09,404 --> 00:01:10,404 KT: is it the best of? 17 00:01:10,415 --> 00:01:14,175 Suze: 50 over 50 who have changed this world essentially. So, 18 00:01:14,790 --> 00:01:17,720 Suze: I don't know, since I'm 72 it took them 22 19 00:01:17,730 --> 00:01:19,809 Suze: years to do it. But that's besides the point. 20 00:01:20,000 --> 00:01:23,518 KT: Congratulations. What an honor. That was a great honor. And 21 00:01:23,529 --> 00:01:26,839 KT: I came out of left field. We didn't know anything 22 00:01:26,849 --> 00:01:27,679 KT: about that. 23 00:01:28,029 --> 00:01:31,680 KT: So somebody over at Forbes said, hey, it's time for Suze... 24 00:01:32,099 --> 00:01:34,849 Suze: We were sitting at breakfast the other morning and we were 25 00:01:34,860 --> 00:01:39,769 Suze: talking to our friend Kim Robinson in Australia and all 26 00:01:39,779 --> 00:01:42,709 Suze: of a sudden I'm sitting there and I get this 27 00:01:42,720 --> 00:01:45,480 Suze: email and it says, congratulations. 28 00:01:46,059 --> 00:01:47,330 KT: We started getting all these pings. 29 00:01:49,290 --> 00:01:51,050 Suze: So thank you, everybody. 30 00:01:51,970 --> 00:01:54,580 KT: Congrats, Suze. And if they want to be able to 31 00:01:54,589 --> 00:01:55,180 KT: read it, 32 00:01:55,574 --> 00:01:57,404 KT: look at all of your accolades. Where do they go? 33 00:01:57,875 --> 00:01:59,684 Suze: Well, I'm sure we'll post it on the Women and 34 00:01:59,694 --> 00:02:00,464 Suze: Money App. 35 00:02:00,474 --> 00:02:02,885 KT: We're gonna put it on the wall. Go to the wall, 36 00:02:02,894 --> 00:02:06,184 KT: you'll see it. And now let me reveal the rest 37 00:02:06,194 --> 00:02:12,424 KT: of August 3rd, the very auspicious day for Leos: Bob Stiller, 38 00:02:12,434 --> 00:02:19,864 KT: the creator of Green Mountain Coffee, Martha Stewart. Everybody's favorite chef, Baker, 39 00:02:19,913 --> 00:02:22,725 KT: holiday maker. You name it. And she and 40 00:02:24,190 --> 00:02:26,320 KT: I, I didn't say I said you name it and 41 00:02:26,330 --> 00:02:27,690 KT: she and Snoop do it. 42 00:02:29,139 --> 00:02:31,769 Suze: Sports Illustrated at the age of who knows how old she is. 43 00:02:32,399 --> 00:02:35,839 KT: But the most important is my best friend Bonnie Goen from 44 00:02:35,850 --> 00:02:41,839 KT: Hong Kong. Bonnie is today yet again, 21 years old. 45 00:02:41,850 --> 00:02:46,350 KT: And I wish you and Suze wishes you the most heartfelt. Great, 46 00:02:46,360 --> 00:02:47,210 KT: great year, 47 00:02:47,360 --> 00:02:49,350 Suze: Happy 21st birthday. Again, 48 00:02:50,663 --> 00:02:51,764 KT: I love you. Bonnie. 49 00:02:51,774 --> 00:02:55,455 Suze: Isn't this her fifth anniversary of her 21st birthday? 50 00:02:55,845 --> 00:03:00,645 KT: No, no, no, no, don't do that. Math, everybody. Anyway, 51 00:03:00,654 --> 00:03:04,145 KT: Bonnie is on her way from London to New York 52 00:03:04,154 --> 00:03:09,634 KT: and I wish you the most wonderful celebration of them all. 53 00:03:09,645 --> 00:03:12,144 KT: Now we're ready to get started. Are you ready, Suze? 54 00:03:13,845 --> 00:03:18,134 Suze: Not quite...because here's the thing somebody wrote in and they said, Suze, 55 00:03:18,538 --> 00:03:22,769 Suze: why didn't you do the date last Sunday? 56 00:03:23,679 --> 00:03:24,050 KT: Why didn't you? 57 00:03:26,669 --> 00:03:26,740 Suze: Well, you don't know? 58 00:03:26,949 --> 00:03:27,289 KT: No. 59 00:03:27,300 --> 00:03:27,500 Suze: Because you didn't listen to the podcast. 60 00:03:27,809 --> 00:03:30,149 KT: I didn't listen to it. I was really busy. 61 00:03:30,830 --> 00:03:33,210 KT: What, what, what do you do? You messed up? 62 00:03:34,949 --> 00:03:40,199 Suze: I did. So, here's what happened. Everybody, if you listen to last Sunday's podcast, 63 00:03:40,210 --> 00:03:44,630 Suze: you hear Robert do the date. And the reason is 64 00:03:44,639 --> 00:03:49,279 Suze: when I recorded the podcast to send to him, I 65 00:03:49,289 --> 00:03:54,369 Suze: said it was July 31st 2023. And the truth of 66 00:03:54,380 --> 00:03:57,220 Suze: the matter is it wasn't July 31st. 67 00:03:57,520 --> 00:04:01,630 Suze: It was July 30th, which is what the Sunday was 68 00:04:01,639 --> 00:04:04,850 Suze: and I thought it was gonna be the 31st. So 69 00:04:05,029 --> 00:04:06,649 Suze: it got sent to him. 70 00:04:07,050 --> 00:04:11,029 Suze: And so he corrected it by putting in the date 71 00:04:11,039 --> 00:04:13,580 Suze: in his voice and cutting out what I had said. 72 00:04:14,029 --> 00:04:15,550 KT: Was it nice to, to hear his voice? 73 00:04:15,869 --> 00:04:16,899 Suze: I really liked it. 74 00:04:16,910 --> 00:04:19,170 KT: Why don't we have him do the date on everything? 75 00:04:19,649 --> 00:04:20,049 Suze: We could. 76 00:04:20,279 --> 00:04:22,029 KT: All right, Robert, you got a new job, boy. 77 00:04:22,350 --> 00:04:23,950 Suze: I'm not giving you a raise though for that. 78 00:04:24,779 --> 00:04:27,368 KT: All right, let me start with my questions. I have 79 00:04:27,380 --> 00:04:31,829 KT: questions and lots and lots of comments. And first I 80 00:04:31,839 --> 00:04:33,779 KT: want to read many of the comments and I'll tell 81 00:04:33,790 --> 00:04:34,799 KT: you why Suze, 82 00:04:35,170 --> 00:04:38,959 KT: this is, these are feedbacks that I get and we 83 00:04:38,970 --> 00:04:42,209 KT: read and I say, you know, if this is how 84 00:04:42,220 --> 00:04:45,799 KT: a person was touched by her, by Suze's advice, then 85 00:04:45,809 --> 00:04:47,599 KT: we need to share it with everyone 86 00:04:47,790 --> 00:04:50,989 KT: because these are very relevant. So the first one is 87 00:04:51,000 --> 00:04:56,029 KT: from Christina, she said, I love Suze's tough love. I'm 88 00:04:56,040 --> 00:05:01,609 KT: referring to Suze's reaction on last week's podcast to the 89 00:05:01,619 --> 00:05:06,779 KT: woman who emailed in about her in-laws house being abandoned 90 00:05:06,790 --> 00:05:09,660 KT: for five years. I know 91 00:05:09,763 --> 00:05:14,131 KT: you're still mad about it. Listen to this and Christina said, 92 00:05:14,142 --> 00:05:17,692 KT: I wish Suze would give the same feisty talk to 93 00:05:17,702 --> 00:05:21,143 KT: two of my own relatives who are allowing a family 94 00:05:21,153 --> 00:05:26,372 KT: home that they inherited to sit empty and decay rather 95 00:05:26,382 --> 00:05:30,502 KT: than resolve their dispute. It's so sad to see a 96 00:05:30,513 --> 00:05:31,631 KT: house that was once 97 00:05:31,735 --> 00:05:36,755 KT: beautiful and filled with my elders now stand empty with 98 00:05:36,765 --> 00:05:42,686 KT: boarded windows, Suze, you keep being you, we need you. Yeah. 99 00:05:42,696 --> 00:05:48,205 Suze: You know, I want to say something about that. KT 100 00:05:48,216 --> 00:05:53,626 Suze: knows when I get mad or I get feisty. 101 00:05:54,859 --> 00:05:55,428 Suze: Why do it do it? 102 00:05:55,500 --> 00:05:56,750 KT: Her face turns red. 103 00:05:56,940 --> 00:06:00,429 Suze: You tell me why that happens to me. I know 104 00:06:00,440 --> 00:06:02,649 Suze: why it does. You tell me why it does. 105 00:06:02,839 --> 00:06:05,988 KT: It happens to you when you feel that these, that people 106 00:06:06,000 --> 00:06:10,899 KT: are just not respectful of money, of someone else's hard 107 00:06:10,910 --> 00:06:14,670 KT: work and labor and they're just not, they're not nice. 108 00:06:14,910 --> 00:06:20,750 Suze: You know, I've spent the last 40 years dedicating my life, 109 00:06:20,760 --> 00:06:22,250 Suze: honest to God, 110 00:06:23,130 --> 00:06:28,989 Suze: to giving advice, to make all of you understand, money, 111 00:06:29,000 --> 00:06:32,209 Suze: understand how it works to get the most out of 112 00:06:32,220 --> 00:06:36,019 Suze: your money because of how important money is, especially if 113 00:06:36,029 --> 00:06:39,989 Suze: you don't have a lot of it. So when somebody 114 00:06:40,000 --> 00:06:43,529 Suze: either is being disrespectful of money 115 00:06:44,320 --> 00:06:47,670 Suze: and treating it like it just doesn't matter. Or they've 116 00:06:47,678 --> 00:06:51,459 Suze: been taken by somebody where they've been given advice. That 117 00:06:51,470 --> 00:06:53,488 Suze: is just so not right. 118 00:06:54,480 --> 00:06:57,769 Suze: Oh my God, it just gets to me. So anyway, 119 00:06:57,779 --> 00:07:00,619 KT: Or if I, I hate to use this word. But 120 00:07:00,630 --> 00:07:03,359 KT: I know when you really get mad when you see 121 00:07:03,369 --> 00:07:08,428 KT: how money can be abused unnecessarily. And I think that 122 00:07:08,440 --> 00:07:11,160 KT: has a lot to do with what spurs you. 123 00:07:11,619 --> 00:07:15,160 Suze: And part of the reason is everybody is that because I 124 00:07:15,170 --> 00:07:18,570 Suze: also get thousands of emails from you 125 00:07:19,250 --> 00:07:21,529 Suze: when you talk to me about what happens in your 126 00:07:21,540 --> 00:07:26,179 Suze: life when you don't have any money and you're older 127 00:07:26,260 --> 00:07:29,970 Suze: and there's nothing I can do about it anymore. So 128 00:07:29,980 --> 00:07:33,929 Suze: that's why it comes out of an incredible passion for 129 00:07:33,940 --> 00:07:36,799 Suze: you to have the best of the best. Really? Anyway, 130 00:07:36,809 --> 00:07:37,160 Suze: go on, 131 00:07:37,429 --> 00:07:41,359 KT: Let me share another email that I received from Karen. 132 00:07:41,690 --> 00:07:44,350 KT: She said, Suze, I wanted to thank you for the 133 00:07:44,359 --> 00:07:49,640 KT: comment about widows needing two years, at least two years 134 00:07:49,649 --> 00:07:54,170 KT: to adjust during the pension podcast. She said I was 135 00:07:54,179 --> 00:07:58,320 KT: widowed in September at age 51. So she's a young 136 00:07:58,329 --> 00:07:58,820 KT: widow 137 00:07:59,100 --> 00:08:02,679 KT: while I continued to work, cared for the Children and 138 00:08:02,690 --> 00:08:07,220 KT: dealt with the estate. I'm just now tackling the stuff, 139 00:08:07,230 --> 00:08:10,779 KT: even the things that are not sentimental like his socks, 140 00:08:10,790 --> 00:08:14,089 KT: which are still sitting in the closet. It made me 141 00:08:14,100 --> 00:08:19,420 KT: feel less pressure to know that I'm completely normal. Keep 142 00:08:19,429 --> 00:08:22,130 KT: doing Suze, the wonderful things you're doing. 143 00:08:22,420 --> 00:08:27,179 KT: And then she wrote PS I just saw Alliant's 5.2% 144 00:08:27,230 --> 00:08:32,770 KT: Jumbo CD rates and I'm so thankful for your introduction 145 00:08:32,780 --> 00:08:34,750 KT: to them, Karen. 146 00:08:34,760 --> 00:08:37,590 Suze: Yeah. Thank you, Karen. By the way, for those of you, 147 00:08:37,700 --> 00:08:42,080 Suze: there has been an interest rate adjustment on the certificates 148 00:08:42,090 --> 00:08:44,589 Suze: of deposits and now 149 00:08:45,000 --> 00:08:49,159 Suze: the 12 month one, actually all the way through 17 150 00:08:49,169 --> 00:08:56,219 Suze: months is at 5.15%. But if you put in $75,000 151 00:08:56,229 --> 00:09:01,219 Suze: or more, it's 5.2%. And I think you'll find that 152 00:09:01,229 --> 00:09:05,848 Suze: that's one of the highest, if not the highest rate anywhere. 153 00:09:05,859 --> 00:09:08,570 Suze: So you might want to check that out at my 154 00:09:08,900 --> 00:09:11,030 Suze: alliante dot com. 155 00:09:12,025 --> 00:09:15,864 KT: Ok. So again, this is another comment from Angie. 156 00:09:16,174 --> 00:09:18,145 Suze: How come you thought you wanted to do comments? 157 00:09:18,825 --> 00:09:23,895 KT: Because these comments are extremely relevant to everybody's life. This is 158 00:09:23,905 --> 00:09:27,965 KT: the real stuff that happens. It's not a rath question. 159 00:09:27,974 --> 00:09:28,564 KT: It's not, 160 00:09:28,840 --> 00:09:33,190 KT: you know, these aren't financial questions that we do deal 161 00:09:33,200 --> 00:09:35,449 KT: with and need to over and over again. This is 162 00:09:35,460 --> 00:09:38,569 KT: the real life stuff and this one really touched me. 163 00:09:38,580 --> 00:09:43,189 KT: It's from Angie. Dear, Suze and KT. Last week my mom 164 00:09:43,200 --> 00:09:48,010 KT: died from the time of her cancer diagnosis to the 165 00:09:48,020 --> 00:09:52,569 KT: day of her death was exactly two weeks. Can you imagine, 166 00:09:52,580 --> 00:09:54,369 KT: Suze two weeks, 167 00:09:55,140 --> 00:09:58,419 KT: my goodness. And we didn't have time to take care 168 00:09:58,429 --> 00:10:02,309 KT: of anything we were able to go through. Mom's must 169 00:10:02,320 --> 00:10:06,690 KT: have documents. But because of our mom's failing health, the 170 00:10:06,700 --> 00:10:10,949 KT: only document we could get notarized was the financial power 171 00:10:10,960 --> 00:10:11,848 KT: of attorney. 172 00:10:12,349 --> 00:10:16,299 KT: I mean, this family learned that mom had cancer and 173 00:10:16,309 --> 00:10:20,659 KT: two weeks later she's gone. So anyway, Angie goes on 174 00:10:20,669 --> 00:10:24,750 KT: to say my heart is broken. I am devastated by 175 00:10:24,760 --> 00:10:28,159 KT: losing our mom so quickly, the day we brought her 176 00:10:28,169 --> 00:10:31,520 KT: home on Hospice was the day you published on the 177 00:10:31,530 --> 00:10:36,280 KT: podcast with highlights of don't turn your back on yourself. 178 00:10:36,739 --> 00:10:40,239 KT: Our mom did not tell us the whole truth about 179 00:10:40,250 --> 00:10:43,390 KT: what was going on in her life financially. And as 180 00:10:43,400 --> 00:10:49,010 KT: a result, she struggled unnecessarily if we had known she 181 00:10:49,020 --> 00:10:52,329 KT: was putting her health on the back burner because she 182 00:10:52,340 --> 00:10:55,130 KT: could not afford to make ends meet. We would have 183 00:10:55,140 --> 00:10:58,869 KT: done anything to help her. So, Angie, you know, our 184 00:10:58,880 --> 00:11:01,760 KT: heart goes out to you and your family, but to 185 00:11:01,770 --> 00:11:02,830 KT: everyone else, 186 00:11:03,239 --> 00:11:06,250 KT: Angie and they're in pain because they knew they could 187 00:11:06,260 --> 00:11:10,108 KT: have helped their mom, maybe even prolonged her life a little. 188 00:11:10,380 --> 00:11:11,270 KT: I don't know, but... 189 00:11:12,119 --> 00:11:12,689 Suze: That's why you chose these. 190 00:11:14,039 --> 00:11:16,439 KT: So I, I want to share this because there's so 191 00:11:16,450 --> 00:11:20,609 KT: many of you out there. I know that may have 192 00:11:20,619 --> 00:11:24,609 KT: the same feelings and, and listen to Suze's podcast. Don't 193 00:11:24,619 --> 00:11:26,729 KT: turn your back on yourself. 194 00:11:27,150 --> 00:11:30,400 KT: Yeah. Ok. So Suze, I think these are important I 195 00:11:30,409 --> 00:11:33,609 KT: have two more. I'm gonna call them my slices of life. 196 00:11:33,619 --> 00:11:34,530 KT: I have two more of these. 197 00:11:35,460 --> 00:11:39,380 Suze: Everybody. Sometimes when you hear what can happen to other 198 00:11:39,390 --> 00:11:44,369 Suze: people or what does happen to other people. That's so 199 00:11:44,380 --> 00:11:48,000 Suze: much better. That's such a better ask, KT and Susie, 200 00:11:48,010 --> 00:11:54,039 Suze: anything than truthfully what KT said, just answering questions about money, 201 00:11:54,150 --> 00:11:56,090 Suze: money and life, 202 00:11:56,440 --> 00:12:00,570 Suze: your life of money, your life of yourself. It's one, 203 00:12:00,580 --> 00:12:03,449 Suze: there's really no difference. All right KT, what else? 204 00:12:03,659 --> 00:12:06,330 KT: So, so wait, these are really good and I know 205 00:12:06,340 --> 00:12:11,090 KT: that there's people out there listening. Some of you absolutely 206 00:12:11,099 --> 00:12:14,390 KT: will resonate with this and those that don't just listen 207 00:12:14,400 --> 00:12:17,909 KT: to what real life sounds like and feels like. 208 00:12:18,320 --> 00:12:21,770 KT: So this is from Heather. She said, Suze, I heard 209 00:12:21,780 --> 00:12:25,409 KT: you talk about older people needing and using the money 210 00:12:25,489 --> 00:12:29,919 KT: they saved and not leaving it to their kids and 211 00:12:29,929 --> 00:12:33,890 KT: listen to Heather's frustration. Everyone I went through this with 212 00:12:33,900 --> 00:12:37,960 KT: my mother. Mom would not sell her home to pay 213 00:12:37,969 --> 00:12:42,510 KT: for her care because my brother was living there rent free. 214 00:12:42,789 --> 00:12:48,179 KT: I ended up subsidizing her care between dealing with my brother, 215 00:12:48,190 --> 00:12:53,439 KT: the pandemic and a layoff. I developed anxiety and have 216 00:12:53,450 --> 00:12:58,320 KT: trouble falling asleep every night. It always feels like something 217 00:12:58,330 --> 00:13:01,520 KT: bad is around the corner. I know this is a 218 00:13:01,530 --> 00:13:05,830 KT: me problem but it's difficult to shake because I see 219 00:13:05,840 --> 00:13:10,199 KT: older folks with so much need and they have so little. 220 00:13:10,640 --> 00:13:14,130 KT: My girlfriend's sister tells me that things always work out, 221 00:13:14,229 --> 00:13:17,270 KT: but I see things not working out for a lot 222 00:13:17,280 --> 00:13:20,859 KT: of people. She said, Suze, thanks for all you do. 223 00:13:20,950 --> 00:13:26,609 KT: The podcast has really helped me from being paralyzed many times. 224 00:13:26,849 --> 00:13:30,679 KT: I just need to shake a bit more anxiety and fear. 225 00:13:30,919 --> 00:13:32,469 KT: Be well, Heather. 226 00:13:32,890 --> 00:13:36,020 KT: So let's help. Let's help her shake it up, Suze, 227 00:13:36,030 --> 00:13:38,939 Suze: Shake it like, like, like Taylor said, shake it, 228 00:13:38,989 --> 00:13:42,239 KT: Shake it, shake it, shake it. Listen to Taylor's song, Heather. 229 00:13:42,299 --> 00:13:45,270 KT: It will help you. So it's true. So I think 230 00:13:45,280 --> 00:13:46,959 KT: that these are important 231 00:13:46,969 --> 00:13:50,450 Suze: Right... So you want to know something Heather? I used 232 00:13:50,460 --> 00:13:54,119 Suze: to have that fear. Believe it or not. I had 233 00:13:54,130 --> 00:13:57,780 Suze: this fear that I was going to end up like 234 00:13:57,789 --> 00:13:59,159 Suze: my father 235 00:13:59,650 --> 00:14:05,820 Suze: sick, penniless, not having any money. Always worried about money 236 00:14:05,830 --> 00:14:10,940 Suze: failing one time after another time, my mother being upset 237 00:14:10,950 --> 00:14:15,409 Suze: and freaked about money. I was so afraid that that's 238 00:14:15,419 --> 00:14:18,640 Suze: how my life was going to end up and, but 239 00:14:18,650 --> 00:14:22,940 Suze: look at me now, look at what happened to my life. 240 00:14:22,950 --> 00:14:24,159 Suze: So you can't 241 00:14:24,400 --> 00:14:29,010 Suze: dwell in fear. Number one, remember fear is one of 242 00:14:29,020 --> 00:14:34,169 Suze: the three main internal obstacles to wealth. Every time you 243 00:14:34,179 --> 00:14:38,750 Suze: start to get afraid, you need to create a new 244 00:14:38,760 --> 00:14:44,479 Suze: truth that is directly opposite your fear. So if your 245 00:14:44,489 --> 00:14:47,669 Suze: fear is that you're gonna end up, you're gonna end 246 00:14:47,679 --> 00:14:50,590 Suze: up like all these people and that don't have money 247 00:14:50,599 --> 00:14:53,390 Suze: and that they suffer as they get older, stop it, 248 00:14:53,880 --> 00:14:57,630 Suze: stop it right here. And right now because remember your thoughts, 249 00:14:57,640 --> 00:15:02,419 Suze: create your destiny. So when you find yourself feeling like 250 00:15:02,429 --> 00:15:06,690 Suze: that or thinking like that, stop and create a new 251 00:15:06,700 --> 00:15:12,030 Suze: truth that replaces that fear, maybe that truth is 252 00:15:12,750 --> 00:15:15,429 Suze: I'm living a great life and I have more money 253 00:15:15,440 --> 00:15:18,780 Suze: than I'll ever need. And I'm healthy and everything is 254 00:15:18,789 --> 00:15:22,280 Suze: exactly how it should be because why I have worked 255 00:15:22,289 --> 00:15:26,340 Suze: for it, I've been responsible whatever it may be. But 256 00:15:26,349 --> 00:15:31,440 Suze: tell yourself that over and over again and watch the magic, 257 00:15:31,450 --> 00:15:34,840 Suze: the money magic that you can create in your own life. 258 00:15:34,849 --> 00:15:37,859 Suze: But you should know you're not really different than the 259 00:15:37,869 --> 00:15:39,460 Suze: majority of the people out there. 260 00:15:40,280 --> 00:15:45,549 Suze: Most women have that fear. Most women silently believe it 261 00:15:45,559 --> 00:15:47,590 Suze: or not have a fear that they're going to end 262 00:15:47,599 --> 00:15:49,330 Suze: up as bag ladies on the street. 263 00:15:50,130 --> 00:15:53,059 Suze: That's why it's called the bag lady syndrome and not 264 00:15:53,070 --> 00:15:56,200 Suze: the bag man syndrome. Have you ever thought about that? 265 00:15:56,739 --> 00:16:01,520 Suze: It's true when your girlfriend says, don't worry, it works out. 266 00:16:01,729 --> 00:16:06,969 Suze: It doesn't work out without self effort and grace. You know, I, yeah, 267 00:16:06,979 --> 00:16:10,059 Suze: I used to close every talk when I gave talks, 268 00:16:10,390 --> 00:16:14,750 Suze: I used to close every talk with this and it 269 00:16:14,760 --> 00:16:19,359 Suze: went as follows. Every single one of us is born 270 00:16:19,369 --> 00:16:21,940 Suze: with two wings and I would be standing on the 271 00:16:21,950 --> 00:16:25,679 Suze: stage and I would have my arms flapping like wings. 272 00:16:25,929 --> 00:16:29,460 Suze: One wing is the wing of grace that's flapping by 273 00:16:29,469 --> 00:16:35,840 Suze: our side 24 hours a day, seven days a week 274 00:16:35,849 --> 00:16:38,260 Suze: from now until eternity, 275 00:16:39,250 --> 00:16:41,150 Suze: the wing of self effort 276 00:16:41,849 --> 00:16:46,119 Suze: has to flap equally as hard as the wing of grace. 277 00:16:46,130 --> 00:16:50,659 Suze: And when it does, you will take flight flight into 278 00:16:50,669 --> 00:16:56,799 Suze: the world of unlimited possibilities where everything and anything is possible. 279 00:16:57,530 --> 00:17:04,109 Suze: So things work out when you take action, self effort. 280 00:17:04,119 --> 00:17:08,359 Suze: And of course, grace. That's always there. Next one KT. 281 00:17:08,910 --> 00:17:11,140 KT: Well, on that point, Tina 282 00:17:11,550 --> 00:17:16,599 KT: sent an email that is absolutely pulls on those same heart strings. 283 00:17:17,520 --> 00:17:21,319 Suze: I just wonder when you start to read this, this 284 00:17:21,329 --> 00:17:24,520 Suze: is the Tina who I've been communicating with. 285 00:17:24,650 --> 00:17:27,659 KT: I don't know. It's um, I, I read it to you, Suze. 286 00:17:27,810 --> 00:17:34,510 KT: I started following you religiously in 2016. I followed through 287 00:17:34,520 --> 00:17:35,899 KT: on your advice and I 288 00:17:35,989 --> 00:17:41,349 KT: felt financially secure up until now. Is that Tina? Then 289 00:17:41,359 --> 00:17:44,409 KT: listen to this. Everyone. We just found out my husband 290 00:17:44,489 --> 00:17:48,979 KT: has cancer in both kidneys. They need to be removed. 291 00:17:48,989 --> 00:17:51,930 KT: And due to his other health issues, the surgery is 292 00:17:51,939 --> 00:17:56,489 KT: high risk. He will require a long, long recovery and 293 00:17:56,500 --> 00:18:00,339 KT: then dialysis providing the surgery goes well. 294 00:18:00,829 --> 00:18:04,280 KT: So this is the part that really resonated with me 295 00:18:04,290 --> 00:18:07,839 KT: and probably with all of you listening, we've been advised 296 00:18:07,849 --> 00:18:11,040 KT: to make sure we have things in order 297 00:18:11,800 --> 00:18:15,420 KT: in case it doesn't go well. So her husband is 298 00:18:15,430 --> 00:18:19,708 KT: in emotional turmoil. She's the logical one. She's trying to 299 00:18:19,719 --> 00:18:22,409 KT: keep her wits about her. She said, I'm afraid and 300 00:18:22,420 --> 00:18:23,449 KT: overwhelmed 301 00:18:23,670 --> 00:18:28,699 KT: everything in our lives has been upended today. So you've 302 00:18:28,709 --> 00:18:32,649 KT: been helping her, right, Suze. All right. So she said, 303 00:18:32,660 --> 00:18:36,689 KT: what if he is incapacitated? What if he dies? You 304 00:18:36,699 --> 00:18:40,800 KT: have spoken about this so many times in your podcast, Suze, 305 00:18:40,810 --> 00:18:44,349 KT: he does not have the must have documents because he 306 00:18:44,359 --> 00:18:48,189 KT: refused to even talk about them. I did not push 307 00:18:48,199 --> 00:18:51,420 KT: the issue with him. I personally have three out of 308 00:18:51,430 --> 00:18:52,500 KT: the four done. 309 00:18:52,829 --> 00:18:57,839 KT: We do not have a living revocable trust because of 310 00:18:57,849 --> 00:19:02,479 KT: our mortgage loan modification. So we are just not prepared 311 00:19:02,489 --> 00:19:07,629 KT: for this turn of events. There you go, everybody. So 312 00:19:08,530 --> 00:19:12,650 KT: talk about, you know, your life being upended all of 313 00:19:12,660 --> 00:19:13,219 KT: a sudden. 314 00:19:13,819 --> 00:19:17,959 Suze: Yeah, and that's what happened to Tina. Here's the thing, everybody. 315 00:19:18,359 --> 00:19:22,469 Suze: It's interesting. KT, you chose that one because it does go 316 00:19:22,479 --> 00:19:25,989 Suze: on for quite a bit. But when you write in 317 00:19:26,030 --> 00:19:31,660 Suze: to Ask Suze podcast at gmail dot com, when you 318 00:19:31,670 --> 00:19:37,689 Suze: do that and when I read one of the emails 319 00:19:37,699 --> 00:19:42,530 Suze: like Tina's and she has all of these questions, who 320 00:19:42,540 --> 00:19:44,969 Suze: else is going to answer these questions for her? 321 00:19:45,479 --> 00:19:50,209 Suze: I mean, where do you find seriously a financial advisor 322 00:19:50,290 --> 00:19:53,410 Suze: that will sit down and be gentle with her and 323 00:19:53,420 --> 00:19:57,430 Suze: emotional with her and feeling with her and take her 324 00:19:57,439 --> 00:20:01,180 Suze: by her hand, so to speak and make sure that 325 00:20:01,189 --> 00:20:06,729 Suze: she understands everything that's going on financially. And that's what 326 00:20:06,739 --> 00:20:10,380 Suze: I did with Tina and she was able to write 327 00:20:10,390 --> 00:20:12,829 Suze: back KT and go oh, I never thought of it 328 00:20:12,839 --> 00:20:13,579 Suze: that way. 329 00:20:14,069 --> 00:20:17,540 Suze: And she's doing pretty good now, she understands what she 330 00:20:17,550 --> 00:20:20,319 Suze: can do and what she needs to and needs to do. 331 00:20:20,400 --> 00:20:22,609 Suze: And I wrote her back again, believe it or not 332 00:20:22,619 --> 00:20:26,010 Suze: just the other day that morning. And I said, don't 333 00:20:26,020 --> 00:20:30,660 Suze: ever forget I'm always here for you and all of 334 00:20:30,670 --> 00:20:37,619 Suze: you should know that I really am always here for you. 335 00:20:37,760 --> 00:20:40,520 Suze: And I just have to say one more thing, Nina, 336 00:20:41,229 --> 00:20:45,020 Suze: Nina who wrote me and I wrote her back and 337 00:20:45,030 --> 00:20:48,310 Suze: asked her how much her house was worth and everything. 338 00:20:48,489 --> 00:20:52,540 Suze: And she answered me and then she got afraid because 339 00:20:52,550 --> 00:20:55,060 Suze: her son said that's not Suze writing you. 340 00:20:55,709 --> 00:20:59,739 Suze: It's a scam that so, so you just are being 341 00:20:59,750 --> 00:21:02,989 Suze: scammed and she got afraid and she wrote back and 342 00:21:03,000 --> 00:21:06,229 Suze: she said, no, I'm afraid it's really not you. So 343 00:21:06,319 --> 00:21:08,719 Suze: I wrote her back and I said, oh, listen to 344 00:21:08,729 --> 00:21:14,139 Suze: Thursday's podcast and you'll know that it's me. But what 345 00:21:14,150 --> 00:21:17,359 Suze: was interesting is that I did say to her as well. 346 00:21:17,380 --> 00:21:20,640 Suze: It's not enough that I just write you back and 347 00:21:20,650 --> 00:21:23,459 Suze: that you think it's me? Because what if it wasn't 348 00:21:23,469 --> 00:21:23,979 Suze: me 349 00:21:24,630 --> 00:21:27,550 Suze: in terms of that? So I wanted her to hear 350 00:21:27,560 --> 00:21:31,069 Suze: my voice and I wanted her to really know because 351 00:21:31,079 --> 00:21:37,890 Suze: my job is to make sure that you are all protected. Now, 352 00:21:37,900 --> 00:21:39,339 Suze: don't tell me, you know.. 353 00:21:39,380 --> 00:21:42,569 KT: I have questions. I have some questions. Am I out of time? 354 00:21:42,579 --> 00:21:45,569 Suze: You're not out of time. But I'm just wondering, 355 00:21:46,540 --> 00:21:50,310 Suze: is that enough for a podcast? Do we save questions 356 00:21:50,319 --> 00:21:55,430 Suze: for another time? And was this simply really a podcast 357 00:21:56,160 --> 00:21:58,290 Suze: about life? What do you think? 358 00:21:58,300 --> 00:22:03,069 KT: I'd rather make it a podcast just about sharing everyone 359 00:22:03,079 --> 00:22:07,500 KT: else out there that, that has real life situations that 360 00:22:07,510 --> 00:22:10,939 KT: many of you also have. So they're not alone, no one's alone. 361 00:22:11,660 --> 00:22:15,640 Suze: So let's save those until next time. A quizzie isn't needed, 362 00:22:15,709 --> 00:22:20,979 Suze: nothing else is needed. Because if you ask me, this 363 00:22:20,989 --> 00:22:25,020 Suze: is probably one of the more important podcasts we've ever 364 00:22:25,030 --> 00:22:25,510 Suze: done 365 00:22:26,000 --> 00:22:30,948 Suze: because this is a podcast about the possibilities and the 366 00:22:30,959 --> 00:22:37,670 Suze: probabilities of life. So there's only one thing we want 367 00:22:37,680 --> 00:22:40,129 Suze: all of you to do every single day. 368 00:22:40,660 --> 00:22:45,790 Suze: And that is to say the following today, wherever I go, 369 00:22:45,939 --> 00:22:47,349 Suze: I will create what KT? 370 00:22:48,010 --> 00:22:52,790 KT: A more peaceful, joyful and loving world. 371 00:22:52,800 --> 00:22:55,660 Suze: And if you do that and if you take care 372 00:22:55,670 --> 00:22:59,229 Suze: of your money, you take care of your loved ones, 373 00:22:59,239 --> 00:23:01,949 Suze: you take care of those that you don't even love. 374 00:23:01,959 --> 00:23:05,859 Suze: You pay attention to the details and you do everything 375 00:23:05,949 --> 00:23:09,349 Suze: you need to do with love. 376 00:23:09,979 --> 00:23:17,160 Suze: We promise you you will be unstoppable. Now, Sunday tune 377 00:23:17,170 --> 00:23:20,449 Suze: in because I'm going to do an entire follow up 378 00:23:20,459 --> 00:23:23,170 Suze: by the way, because you've all wrote in so many 379 00:23:23,180 --> 00:23:26,609 Suze: questions about last Sunday's Suze School. 380 00:23:26,819 --> 00:23:29,879 Suze: So I'm going to give you a lesson like you 381 00:23:29,890 --> 00:23:35,619 Suze: have never had before about bonds, the pricing of bonds 382 00:23:35,630 --> 00:23:39,589 Suze: and how you make money on bonds. 383 00:23:39,819 --> 00:23:44,790 KT: You know why? Everybody, because Suze is unstoppable. 384 00:23:50,449 --> 00:23:51,790 Music: Music (out).