1 00:00:06,199 --> 00:00:12,078 Suze: August 7th, 2025. Welcome everybody to the Women and Money podcast 2 00:00:12,079 --> 00:00:16,659 Suze: as well as everybody smart enough to listen. Suze O here, 3 00:00:17,200 --> 00:00:21,600 Suze: and I know you're now expecting KT's voice to go, wait, wait. 4 00:00:22,290 --> 00:00:26,430 Suze: But she's not here. It's just me, cause she's not 5 00:00:26,430 --> 00:00:30,430 Suze: quite back yet from her trip to British Columbia, where 6 00:00:30,430 --> 00:00:35,069 Suze: what she has been catching salmon. And for those of 7 00:00:35,069 --> 00:00:37,668 Suze: you who go on the Women and Money community app, 8 00:00:37,709 --> 00:00:40,668 Suze: and all of you should be, by the way, you 9 00:00:40,668 --> 00:00:44,869 Suze: can download it for free at Google Play or Apple Apps. 10 00:00:45,110 --> 00:00:48,259 Suze: I have posted pictures of just some of the fish 11 00:00:48,259 --> 00:00:49,549 Suze: that she caught. 12 00:00:50,069 --> 00:00:54,259 Suze: Now why should you also be going on the community app? 13 00:00:55,049 --> 00:01:01,779 Suze: Because I give advice there in between podcasts. So for instance, 14 00:01:01,990 --> 00:01:06,269 Suze: when these markets went way down last Friday, I immediately 15 00:01:06,269 --> 00:01:08,989 Suze: went on the Women and Money community app, and I 16 00:01:08,989 --> 00:01:13,379 Suze: said don't worry about it. Hold, this is gonna be fine, 17 00:01:13,629 --> 00:01:16,629 Suze: and I calmed you all down, otherwise you all were 18 00:01:16,629 --> 00:01:18,709 Suze: gonna sell and then look what happened on Monday. 19 00:01:19,440 --> 00:01:24,399 Suze: Markets went up incredibly. So therefore, bottom line, and I'm 20 00:01:24,400 --> 00:01:28,440 Suze: going to reiterate it here, this is the year you 21 00:01:28,440 --> 00:01:30,040 Suze: want to own stocks. 22 00:01:30,839 --> 00:01:35,649 Suze: Obviously, it is possible that come August, come September, where 23 00:01:35,650 --> 00:01:37,699 Suze: we are approximately right now. 24 00:01:38,529 --> 00:01:41,760 Suze: The markets could have a rough time. They usually do 25 00:01:41,760 --> 00:01:46,720 Suze: in August. However, I don't care. We have a rough 26 00:01:46,720 --> 00:01:51,199 Suze: time and the markets go down in particular areas, especially. 27 00:01:52,360 --> 00:01:56,730 Suze: This is the time to buy more, not to sell, 28 00:01:56,980 --> 00:02:00,019 Suze: not to get afraid, but to buy more of the 29 00:02:00,019 --> 00:02:04,089 Suze: stocks that I have wanted you to own now for 30 00:02:04,089 --> 00:02:08,250 Suze: a long, long time, most of them in the area 31 00:02:08,250 --> 00:02:13,419 Suze: of artificial intelligence. Now over the years. 32 00:02:14,110 --> 00:02:16,649 Suze: And it's been years now, believe it or not, I 33 00:02:16,649 --> 00:02:19,369 Suze: have been telling you certain stocks that I do want 34 00:02:19,369 --> 00:02:22,289 Suze: you to buy. So for those of you who have 35 00:02:22,288 --> 00:02:27,460 Suze: been listening on the podcast, hopefully you have bought them, however, 36 00:02:28,770 --> 00:02:35,478 Suze: also recently I've been broadcasting the podcast on YouTube as well, 37 00:02:35,779 --> 00:02:41,610 Suze: and a few episodes I did just for YouTube, one 38 00:02:41,610 --> 00:02:46,449 Suze: in particular on June 17th, and it was on that 39 00:02:46,729 --> 00:02:51,889 Suze: YouTube episode that I literally told everybody nine stocks that 40 00:02:51,889 --> 00:02:53,970 Suze: I wanted them to buy. 41 00:02:54,470 --> 00:02:57,859 Suze: Now all of you from the Women and Money podcast, 42 00:02:58,070 --> 00:03:02,460 Suze: you're in all these stocks if you chose to purchase them, 43 00:03:02,949 --> 00:03:06,869 Suze: but I also want to teach a lesson here about 44 00:03:06,869 --> 00:03:15,758 Suze: what happens with individual stocks versus ETFs that hold those stocks. 45 00:03:16,100 --> 00:03:20,220 Suze: So get out your Suze notebooks and get ready. 46 00:03:21,279 --> 00:03:23,570 Suze: Now before I go on, I just want to say, 47 00:03:23,860 --> 00:03:30,100 Suze: well all of you just go to youtube.com/ Suzeorman, and 48 00:03:30,100 --> 00:03:34,179 Suze: that is where you'll find the official YouTube channel, and 49 00:03:34,179 --> 00:03:37,820 Suze: there is so much there for you to partake in really, 50 00:03:37,830 --> 00:03:41,339 Suze: you'll enjoy it. A lot of the Suze Orman show 51 00:03:41,339 --> 00:03:45,059 Suze: is on there now, and while you're there, do me 52 00:03:45,059 --> 00:03:49,779 Suze: a favor. Don't forget to subscribe. OK, everybody. 53 00:03:50,690 --> 00:03:55,850 Suze: These are the nine stocks that I did recommend on 54 00:03:55,850 --> 00:04:00,000 Suze: YouTube and on YouTube, most of the people that heard it, 55 00:04:00,009 --> 00:04:03,479 Suze: it was the first time they ever heard me speak 56 00:04:03,479 --> 00:04:07,610 Suze: about these stocks. OK, so just be patient here, but 57 00:04:07,610 --> 00:04:10,639 Suze: there is a lesson for all of you. And again, 58 00:04:10,729 --> 00:04:14,330 Suze: please remember these are all stocks that were recommended on 59 00:04:14,330 --> 00:04:15,660 Suze: June 17th. 60 00:04:16,549 --> 00:04:21,019 Suze: The first one was Pfizer, and I recommended Pfizer as 61 00:04:21,019 --> 00:04:24,420 Suze: I have for a long period of time now for 62 00:04:24,420 --> 00:04:32,169 Suze: its dividend, and it is up 2.47% since June 17th. However, 63 00:04:32,380 --> 00:04:35,339 Suze: I just want to say something to everybody. It is 64 00:04:35,339 --> 00:04:38,929 Suze: very possible because of the tariffs and what's going on. 65 00:04:39,260 --> 00:04:42,940 Suze: Pfizer is a stock now that maybe we're ready to 66 00:04:42,940 --> 00:04:44,100 Suze: say goodbye to. 67 00:04:44,488 --> 00:04:47,789 Suze: I would not be dollar cost averaging into it and 68 00:04:47,790 --> 00:04:52,169 Suze: maybe there's a better thing to do than own Pfizer, 69 00:04:52,209 --> 00:04:54,910 Suze: just telling you that right now. So if you want 70 00:04:54,910 --> 00:04:56,980 Suze: to sell it, I don't have a problem with it, 71 00:04:57,070 --> 00:05:01,390 Suze: just so you know. The next stock was Nvidia, and 72 00:05:01,390 --> 00:05:10,578 Suze: it's up 23.85% since June 17th. Advance Micro Devices up 39% 73 00:05:10,799 --> 00:05:12,308 Suze: since June 17th. 74 00:05:12,950 --> 00:05:22,630 Suze: Palantir up 24.86% since June 17th and also Micro Strategies 75 00:05:22,630 --> 00:05:29,190 Suze: known as Strategy now is only up 0.45%. OK, those 76 00:05:29,190 --> 00:05:30,869 Suze: were individual stocks. 77 00:05:31,480 --> 00:05:35,600 Suze: Now I want you to listen to the ETFs because 78 00:05:35,600 --> 00:05:38,630 Suze: a lot of you didn't want to buy individual stocks. 79 00:05:38,678 --> 00:05:41,279 Suze: You wanted to own all of those stocks, but you 80 00:05:41,279 --> 00:05:45,000 Suze: wanted to do it through an exchange traded fund. 81 00:05:45,799 --> 00:05:49,299 Suze: So the first one I was telling everybody to buy 82 00:05:49,299 --> 00:05:53,059 Suze: if you in fact wanted an ETF and wanted to 83 00:05:53,059 --> 00:06:01,380 Suze: own those stocks was SMH symbol. It's up since June 17th, 10.18%. 84 00:06:01,380 --> 00:06:08,950 Suze: Not bad. The QQQs are up 6.34% and Ibit. 85 00:06:09,589 --> 00:06:13,670 Suze: Which does do Bitcoin, that's kind of like a proxy 86 00:06:13,670 --> 00:06:18,470 Suze: for Bitcoin, is up 8.29%, OK? 87 00:06:19,428 --> 00:06:24,910 Suze: Overall, all of those are up about 11.21% if you 88 00:06:24,910 --> 00:06:29,440 Suze: take it all together, but don't you find it interesting. 89 00:06:30,238 --> 00:06:36,480 Suze: That Nvidia up almost 24%, AMD up almost 40%, Palantir 90 00:06:36,480 --> 00:06:38,349 Suze: up almost 25%. 91 00:06:39,359 --> 00:06:42,140 Suze: That those stocks that you all want to be in 92 00:06:42,140 --> 00:06:48,420 Suze: are up double digits big time, yet the ETFs are 93 00:06:48,420 --> 00:06:52,459 Suze: only up like 6 or 10%. Now why am I 94 00:06:52,459 --> 00:06:57,829 Suze: telling you that? Because if you are able to and 95 00:06:57,829 --> 00:07:01,929 Suze: you want to, it doesn't hurt for you to create 96 00:07:01,928 --> 00:07:06,419 Suze: a portfolio of those individual stocks. You can buy slices 97 00:07:06,420 --> 00:07:06,989 Suze: of them. 98 00:07:07,630 --> 00:07:12,470 Suze: Of those individual stocks and then maybe just to get 99 00:07:12,470 --> 00:07:17,109 Suze: overall diversification put some of the money in an ETF 100 00:07:17,109 --> 00:07:20,290 Suze: if you want like VOO, which is the Standard and 101 00:07:20,290 --> 00:07:24,230 Suze: Poor's 500 ETF and it's my favorite one now that 102 00:07:24,230 --> 00:07:27,429 Suze: I'm telling all of you about to buy more than 103 00:07:27,429 --> 00:07:31,149 Suze: the Spiders, more than whatever we should now really be 104 00:07:31,149 --> 00:07:34,350 Suze: focusing on dollar cost averaging into VOO. 105 00:07:35,140 --> 00:07:43,600 Suze: So individual stocks for many reasons actually make bigger advances 106 00:07:43,950 --> 00:07:48,869 Suze: than ETFs so you can do your own little portfolio 107 00:07:48,869 --> 00:07:52,149 Suze: and diversify that way, and I think you would come 108 00:07:52,149 --> 00:07:55,709 Suze: out further ahead in the long run. 109 00:07:56,459 --> 00:08:00,760 Suze: So I just wanted especially to give the YouTubers an 110 00:08:00,760 --> 00:08:05,049 Suze: update as to how they've done. Again, many of you 111 00:08:05,339 --> 00:08:08,329 Suze: have been buying some of these stocks for a lot 112 00:08:08,410 --> 00:08:09,769 Suze: lot longer. 113 00:08:10,510 --> 00:08:17,089 Suze: And your gains should be extraordinary in these particular stocks 114 00:08:17,089 --> 00:08:19,609 Suze: if you did what I told you to do a 115 00:08:19,609 --> 00:08:23,119 Suze: long time ago next. 116 00:08:23,820 --> 00:08:27,489 Suze: I want to talk about something that so many of 117 00:08:27,489 --> 00:08:31,529 Suze: you have asked me to talk about, and that is 118 00:08:31,529 --> 00:08:37,890 Suze: the stablecoin and the genius act. Now I know a 119 00:08:37,890 --> 00:08:41,890 Suze: lot of you are saying to yourself, Suze. 120 00:08:43,109 --> 00:08:46,549 Suze: I don't own crypto. I don't want to own crypto. 121 00:08:46,859 --> 00:08:51,257 Suze: So why should I care? Well, let me tell you, 122 00:08:51,578 --> 00:08:56,778 Suze: because whether you like it or not, especially with Stablecoin, 123 00:08:57,338 --> 00:09:00,299 Suze: also like a digital dollar, and I will explain that 124 00:09:00,299 --> 00:09:05,008 Suze: in a second, they are a common whether you like 125 00:09:05,008 --> 00:09:08,578 Suze: it or not. So I just want you to get 126 00:09:08,578 --> 00:09:10,208 Suze: educated right now. 127 00:09:10,859 --> 00:09:13,809 Suze: And I want to be able to do this so 128 00:09:13,809 --> 00:09:17,609 Suze: that you always feel calm, clear, and really in control 129 00:09:17,609 --> 00:09:22,169 Suze: of your financial future. So as complicated as it might 130 00:09:22,169 --> 00:09:26,330 Suze: sound at first, I promise you by the time this 131 00:09:26,330 --> 00:09:30,449 Suze: episode is done, you will be in what I call 132 00:09:30,450 --> 00:09:37,010 Suze: the CCC area Calm, Clear, and in Control when it 133 00:09:37,010 --> 00:09:38,409 Suze: comes to your money. 134 00:09:38,880 --> 00:09:42,919 Suze: You know I've never wanted you to be confused. I 135 00:09:42,919 --> 00:09:47,468 Suze: have always wanted you to be clear, but when it 136 00:09:47,469 --> 00:09:54,309 Suze: comes to bitcoin, cryptocurrency, even Stablecoins, you are so afraid. 137 00:09:54,359 --> 00:09:57,840 Suze: You're just afraid. Now I don't blame you if it 138 00:09:57,840 --> 00:10:00,598 Suze: comes to bitcoin and Ethereum and other things like that, 139 00:10:00,719 --> 00:10:01,200 Suze: all right. 140 00:10:01,880 --> 00:10:06,849 Suze: But when it comes to Stablecoins, I want you to 141 00:10:06,849 --> 00:10:11,419 Suze: know the facts because you need to understand the facts. 142 00:10:11,530 --> 00:10:14,049 Suze: You need to understand what are they? 143 00:10:15,169 --> 00:10:18,770 Suze: Why is there a new law regulating them, which ones, 144 00:10:18,849 --> 00:10:22,770 Suze: if any, are safe and what I want you to 145 00:10:22,770 --> 00:10:26,039 Suze: know right now. So I'm going to try to keep 146 00:10:26,039 --> 00:10:31,299 Suze: this super simple, I promise you. What is a Stablecoin? 147 00:10:31,770 --> 00:10:34,049 Suze: A Stablecoin is a type 148 00:10:34,690 --> 00:10:37,770 Suze: of cryptocurrency, but I'm telling you it is very different 149 00:10:37,770 --> 00:10:42,530 Suze: from things like Bitcoin or Ethereum. Those other coins like 150 00:10:42,530 --> 00:10:45,479 Suze: I just mentioned, they can go up, they can go down. 151 00:10:45,530 --> 00:10:49,119 Suze: It's like a roller coaster. One day they're up 10%, 152 00:10:49,130 --> 00:10:52,210 Suze: the next day they're down 20%. That's not what we 153 00:10:52,210 --> 00:10:54,409 Suze: want for our everyday money. 154 00:10:55,090 --> 00:11:00,439 Suze: A Stablecoin is exactly like its name says. It's designed 155 00:11:00,440 --> 00:11:04,119 Suze: to be, wait for it, wait for it, everybody. It's 156 00:11:04,119 --> 00:11:08,159 Suze: designed to be stable. It's meant to stay at a 157 00:11:08,159 --> 00:11:12,799 Suze: 1 to 1 value with a real world asset, and 158 00:11:12,799 --> 00:11:15,950 Suze: that asset is usually the US dollar. 159 00:11:16,729 --> 00:11:24,650 Suze: So that means one Stablecoin equals $1 at least that's 160 00:11:24,650 --> 00:11:27,530 Suze: the idea. So you can kind of think of it 161 00:11:27,530 --> 00:11:31,809 Suze: like this, all right, it's digital cash that lives on 162 00:11:31,809 --> 00:11:35,570 Suze: the internet on a blockchain, and all of you by 163 00:11:35,570 --> 00:11:39,890 Suze: now should know what a blockchain is. It's supposed to 164 00:11:39,890 --> 00:11:43,770 Suze: give you all the speed and flexibility of crypto. 165 00:11:44,489 --> 00:11:50,510 Suze: But with the safety and predictability of the dollar, you 166 00:11:50,510 --> 00:11:53,150 Suze: got to hear me here now, but that's a very 167 00:11:53,150 --> 00:11:59,020 Suze: big but cause why not all Stablecoins are created equal. 168 00:11:59,229 --> 00:12:02,750 Suze: So it just drives me bats when people talk to 169 00:12:02,750 --> 00:12:05,099 Suze: me about it and they tell me which Stablecoin they own, 170 00:12:05,109 --> 00:12:08,789 Suze: and I go sucker. Well, that's not nice. That wasn't 171 00:12:08,789 --> 00:12:10,510 Suze: nice that I just did that, but that's how I 172 00:12:10,510 --> 00:12:14,299 Suze: feel because they didn't do their research now. 173 00:12:15,090 --> 00:12:21,250 Suze: Up until recently there were no federal rules for Stablecoins. 174 00:12:21,409 --> 00:12:26,729 Suze: Do you hear me? Anyone, and I mean anyone, could 175 00:12:26,729 --> 00:12:30,650 Suze: create a coin. They could say it was backed by 176 00:12:30,650 --> 00:12:35,049 Suze: dollars and then convince people to use it. Now the 177 00:12:35,049 --> 00:12:37,650 Suze: truth of the matter is some of these coins really 178 00:12:37,650 --> 00:12:41,010 Suze: were backed. They really were, but just some of them. 179 00:12:42,000 --> 00:12:47,319 Suze: Most of them weren't, and guess what happened? People lost 180 00:12:47,320 --> 00:12:52,349 Suze: their money because why there was no regulation, no audits, 181 00:12:52,440 --> 00:12:57,119 Suze: no transparency, really no safety net, and I guess if 182 00:12:57,119 --> 00:12:58,760 Suze: we were going to call it anything, it was like 183 00:12:58,760 --> 00:13:02,250 Suze: the wild west out there when it came to stable coins, 184 00:13:02,599 --> 00:13:04,469 Suze: and that is exactly why. 185 00:13:05,320 --> 00:13:10,469 Suze: Congress passed the Genius Act, which is the first real 186 00:13:10,469 --> 00:13:14,179 Suze: Stablecoin law in the United States, and I have to 187 00:13:14,179 --> 00:13:19,049 Suze: tell you truthfully, it is a game changer, so. 188 00:13:19,479 --> 00:13:23,270 Suze: What is the Genius Act? It is a law that 189 00:13:23,270 --> 00:13:28,539 Suze: was signed into effect again in July 2025. It's really 190 00:13:28,539 --> 00:13:34,460 Suze: the first real framework that we have for regulating Stablecoins 191 00:13:34,460 --> 00:13:35,979 Suze: here in the United States. 192 00:13:36,859 --> 00:13:40,979 Suze: Now you might be wondering, well, Suze, how does it 193 00:13:40,979 --> 00:13:41,580 Suze: do that? 194 00:13:42,390 --> 00:13:46,590 Suze: It brings real oversight to these coins, and it makes 195 00:13:46,590 --> 00:13:51,260 Suze: sure that they're properly backed and the companies issuing them 196 00:13:51,559 --> 00:13:55,710 Suze: follow the rules and that your money is protected if 197 00:13:55,710 --> 00:13:59,320 Suze: you use them, but here is the key. 198 00:14:00,090 --> 00:14:05,650 Suze: Don't rush into Stablecoins just because they're regulated now. I 199 00:14:05,650 --> 00:14:09,239 Suze: want you to wait and see how these companies comply 200 00:14:09,239 --> 00:14:12,489 Suze: and always make sure that you understand what you're investing in. 201 00:14:12,609 --> 00:14:17,130 Suze: Do you hear me? Remember, just because something is legal 202 00:14:17,130 --> 00:14:21,369 Suze: doesn't make it smart for you. So I'll be watching 203 00:14:21,369 --> 00:14:24,690 Suze: this space closely, but so should you. I want you 204 00:14:24,690 --> 00:14:26,919 Suze: to stay informed and as always. 205 00:14:27,320 --> 00:14:29,869 Suze: You need to be in control of your money, don't 206 00:14:29,869 --> 00:14:34,510 Suze: you think? So anyway, here's what I need you to 207 00:14:34,510 --> 00:14:36,789 Suze: really understand and write down. 208 00:14:37,809 --> 00:14:41,690 Suze: While no Stablecoin is 100% risk free, you got that. 209 00:14:42,580 --> 00:14:48,520 Suze: Those Stablecoins that are issued by federally licensed banks or 210 00:14:48,520 --> 00:14:53,640 Suze: credit unions or are fully backed by cash or short 211 00:14:53,640 --> 00:14:59,179 Suze: term US Treasuries, not crypto, not commercial paper, those that 212 00:14:59,179 --> 00:15:03,669 Suze: are audited monthly with reports available to the public. 213 00:15:03,969 --> 00:15:08,369 Suze: They are transparent about the redemption policies, and they are 214 00:15:08,369 --> 00:15:14,190 Suze: compliant with anti-money laundering rules. I got to tell you, 215 00:15:14,599 --> 00:15:18,200 Suze: those are the ones that I want you to look 216 00:15:18,200 --> 00:15:23,559 Suze: into if you're interested in Stablecoins. Now you're also going 217 00:15:23,559 --> 00:15:26,510 Suze: to say, how am I going to know which one, Susy? 218 00:15:27,219 --> 00:15:31,289 Suze: So let me just give you an example. If I 219 00:15:31,289 --> 00:15:36,770 Suze: were going to tell you about one stable coin that 220 00:15:36,770 --> 00:15:41,409 Suze: I personally think is the safest, it would be, and 221 00:15:41,409 --> 00:15:43,289 Suze: this isn't a guarantee, OK. 222 00:15:43,909 --> 00:15:47,890 Suze: It would be the USDC one called the USD coin, 223 00:15:47,900 --> 00:15:52,570 Suze: and it's issued by Circle that's partnered with Coinbase. Why 224 00:15:52,570 --> 00:15:56,530 Suze: do I like them? Because they are regularly audited. They're 225 00:15:56,530 --> 00:16:00,770 Suze: backed by cash and short-term treasuries, and they have transparent 226 00:16:00,770 --> 00:16:05,690 Suze: reserve reports. So in my opinion, this is the closest 227 00:16:05,690 --> 00:16:09,450 Suze: thing right now to what the law wants stable coins 228 00:16:09,450 --> 00:16:10,609 Suze: to look like. 229 00:16:11,229 --> 00:16:14,710 Suze: Now you have to be asking me, Suze, why do 230 00:16:14,710 --> 00:16:19,010 Suze: you want me to even know about these things right now? 231 00:16:19,229 --> 00:16:22,070 Suze: They all sound way too high tech for me and 232 00:16:22,070 --> 00:16:26,109 Suze: far away from how I operate. You got to stop 233 00:16:26,109 --> 00:16:30,460 Suze: right here, people, cause the future is coming sooner than 234 00:16:30,460 --> 00:16:32,700 Suze: you have any idea. 235 00:16:33,419 --> 00:16:37,099 Suze: Because Stablecoins are going to touch your life whether you 236 00:16:37,099 --> 00:16:40,099 Suze: realize it or not. Do you get that banks are 237 00:16:40,099 --> 00:16:44,820 Suze: already exploring stablecoins to do what? Pay people faster, move 238 00:16:44,820 --> 00:16:46,940 Suze: money instantly, 24/7. 239 00:16:47,280 --> 00:16:53,059 Suze: To replace expensive wire transfers, settle transactions between companies and individuals. 240 00:16:53,099 --> 00:16:56,090 Suze: So one day soon, I have to tell you this, 241 00:16:56,179 --> 00:17:00,940 Suze: maybe even this year, your paycheck might hit your account 242 00:17:00,940 --> 00:17:06,339 Suze: instantly because your employer used a Stablecoin to move it. 243 00:17:07,369 --> 00:17:10,359 Suze: Or your investment app, I know you don't think this 244 00:17:10,359 --> 00:17:13,040 Suze: is going to happen, but listen to me, or your 245 00:17:13,040 --> 00:17:18,199 Suze: investment app might settle your trades with Stablecoins behind the scenes, 246 00:17:18,439 --> 00:17:21,429 Suze: and you might not even notice it, but it will 247 00:17:21,430 --> 00:17:24,760 Suze: be happening. So I have to ask you, are you 248 00:17:24,760 --> 00:17:28,079 Suze: going to be ready? Will you understand what's happening with 249 00:17:28,079 --> 00:17:31,760 Suze: your money and you need to, which is why I 250 00:17:31,760 --> 00:17:33,879 Suze: decided at this point in time, 251 00:17:34,479 --> 00:17:40,640 Suze: to do a podcast on Stablecoins. So what you need 252 00:17:40,640 --> 00:17:42,069 Suze: to do right now. 253 00:17:43,510 --> 00:17:46,969 Suze: First of all, I want you to stay in insured 254 00:17:46,969 --> 00:17:50,910 Suze: accounts for your emergency fund. Use high yield savings accounts, 255 00:17:51,109 --> 00:17:55,300 Suze: US Treasury's, money market funds. That is where it should go. 256 00:17:55,469 --> 00:17:58,899 Suze: Do not put your rainy day money in a Stablecoin, 257 00:17:59,109 --> 00:18:04,069 Suze: any Stablecoin. Do you hear me? Next, do not invest 258 00:18:04,069 --> 00:18:07,869 Suze: in Stablecoins. They are not investments. They are tools, and 259 00:18:07,869 --> 00:18:09,750 Suze: I need you to treat them that way. 260 00:18:10,640 --> 00:18:14,349 Suze: Number three, if you were to use one, I only 261 00:18:14,349 --> 00:18:18,060 Suze: want you to use USDC. If you happen to be 262 00:18:18,060 --> 00:18:22,250 Suze: invested in the PayPal USD, OK, but I really think 263 00:18:22,520 --> 00:18:27,000 Suze: the USDC one with Coinbase is my number one pick. 264 00:18:27,800 --> 00:18:32,140 Suze: Number four, can you just ignore any hype that's out there? 265 00:18:32,420 --> 00:18:34,290 Suze: So many of you write me and you tell me 266 00:18:34,290 --> 00:18:37,359 Suze: what you've read on Reddit and da da da da. Again, 267 00:18:37,540 --> 00:18:39,560 Suze: you are to ignore the hype and you are to 268 00:18:39,560 --> 00:18:43,629 Suze: ignore the fear. You don't need to get rich off stablecoins. 269 00:18:43,660 --> 00:18:46,420 Suze: That is not what they are there for. So you 270 00:18:46,420 --> 00:18:50,260 Suze: just need to stay protected as this new system takes shape. 271 00:18:50,949 --> 00:18:52,819 Suze: And number five. 272 00:18:53,709 --> 00:18:57,839 Suze: I want you to be really smart with your money. 273 00:18:58,089 --> 00:19:01,449 Suze: So how do you do that? You continue to dollar 274 00:19:01,449 --> 00:19:06,000 Suze: cost or value cost averaging into the stocks, ETFs, whatever 275 00:19:06,000 --> 00:19:06,810 Suze: it may be. 276 00:19:07,430 --> 00:19:11,099 Suze: That you like you're going to hold on for the 277 00:19:11,099 --> 00:19:15,599 Suze: long haul. You're going to use Roth accounts whether it's 278 00:19:15,599 --> 00:19:19,550 Suze: a 401k, 403B, TSB, Roth IRA, both of them, or 279 00:19:19,550 --> 00:19:22,819 Suze: backdoor Roth. You are going to have your money in 280 00:19:22,819 --> 00:19:26,300 Suze: Roth retirement accounts most of the time. You're going to 281 00:19:26,300 --> 00:19:29,140 Suze: have an 8 to 12 month emergency fund of the 282 00:19:29,140 --> 00:19:32,739 Suze: must pay expenses. You're going to live below your means 283 00:19:32,739 --> 00:19:34,099 Suze: but within your needs. 284 00:19:35,050 --> 00:19:38,829 Suze: And you're going to try to own your home outright 285 00:19:38,829 --> 00:19:41,040 Suze: if you own a home that you're going to keep forever, 286 00:19:41,250 --> 00:19:44,169 Suze: you're going to try to own it outright by the 287 00:19:44,170 --> 00:19:49,329 Suze: time you retire. If you do all of those things. 288 00:19:49,930 --> 00:19:54,099 Suze: I'm telling you you're going to achieve the goal of money, 289 00:19:54,229 --> 00:19:56,869 Suze: and what is the goal of money is for you 290 00:19:56,869 --> 00:20:01,550 Suze: to be secure. All right, everybody, until next Thursday when 291 00:20:01,550 --> 00:20:05,510 Suze: Miss Travis will be back and joining us and this 292 00:20:05,510 --> 00:20:09,530 Suze: Sunday where it will be the final chapter, part 3 293 00:20:09,939 --> 00:20:13,589 Suze: of what the Big Beautiful Bill offers you that you 294 00:20:13,589 --> 00:20:14,989 Suze: need to know about. 295 00:20:15,670 --> 00:20:20,000 Suze: Until then, all I want for you is to be safe, sound, 296 00:20:20,069 --> 00:20:22,349 Suze: and secure, and to make your 297 00:20:22,349 --> 00:20:24,400 Suze: money, make more money. 298 00:20:24,739 --> 00:20:25,270 Suze: See you soon.