1 00:00:29,520 --> 00:00:34,939 Suze: July 24, 2025. Welcome everybody to the Women and Money podcast, 2 00:00:35,189 --> 00:00:39,668 Suze: as well as everybody smart enough to listen. Today we 3 00:00:39,668 --> 00:00:43,339 Suze: are so lucky to have the birthday girl. 4 00:00:43,549 --> 00:00:46,779 KT: This is the birthday week, not just for me. 5 00:00:47,005 --> 00:00:51,674 KT: But we've got so many July babies. We have Laurie Seligman, 6 00:00:51,793 --> 00:00:54,514 KT: one of Suze's fabulous, fabulous friends... 7 00:00:56,314 --> 00:00:56,884 Suze: Oldest. 8 00:00:56,884 --> 00:01:00,744 KT: We have Alex, our incredible horseman, 9 00:01:00,834 --> 00:01:04,544 Suze: Alex Axella, Alex, happy, happy birthday to you. 10 00:01:05,028 --> 00:01:07,328 Suze: He's such an incredible young man, isn't he? 11 00:01:07,899 --> 00:01:11,307 KT: He jumps over those fences with those beautiful horses. 12 00:01:11,359 --> 00:01:11,899 Suze: He could dance. 13 00:01:12,128 --> 00:01:17,109 Suze: He's boat captain and airplane plane pilot, so great, so great. 14 00:01:17,518 --> 00:01:20,557 Suze: I contribute that to his mother, Bridget, but that's besides 15 00:01:20,558 --> 00:01:21,678 Suze: the point. All right. 16 00:01:21,918 --> 00:01:22,768 KT: And his poppy, 17 00:01:23,119 --> 00:01:23,638 Suze: Poppy 18 00:01:23,638 --> 00:01:24,429 KT: Michael, 19 00:01:24,837 --> 00:01:25,828 Suze: Mike Axla. 20 00:01:26,709 --> 00:01:28,500 Suze: What an incredible man as well. 21 00:01:28,709 --> 00:01:31,029 KT: We had the best time. My sister and I want 22 00:01:31,029 --> 00:01:34,069 KT: to thank all of you that sent beautiful notes, especially 23 00:01:34,069 --> 00:01:37,190 KT: on the wall. I couldn't believe it. It was like 24 00:01:37,190 --> 00:01:41,830 KT: over like 100 messages, so beautiful, and we, we're glad 25 00:01:41,830 --> 00:01:42,790 KT: we made you all laugh too. 26 00:01:42,940 --> 00:01:46,768 KT: Suze posts these things that I could kill her for doing, 27 00:01:46,849 --> 00:01:49,930 KT: but what she posted was very funny. So those of 28 00:01:49,930 --> 00:01:52,889 KT: you that haven't seen it, go to the wall on 29 00:01:52,889 --> 00:01:56,239 KT: the Women and Money app and enjoy a good chuckle. 30 00:01:56,370 --> 00:01:59,169 Suze: Yeah, they all said, Oh, I wish they had a sister. 31 00:01:59,660 --> 00:02:03,970 Suze: They wish they could laugh like you. It's like, so KT, 32 00:02:04,129 --> 00:02:06,949 Suze: you truly do light up this whole world. 33 00:02:07,169 --> 00:02:13,410 KT: Thank you, Suze. And Suze's gift was yet again almost 34 00:02:13,410 --> 00:02:19,169 KT: 25 years of gifts, almost the most incredible heartfelt. I 35 00:02:19,169 --> 00:02:22,770 KT: haven't shared it with anyone, and my sister asked if 36 00:02:22,770 --> 00:02:25,288 KT: I could share it with her. I said, not yet. 37 00:02:25,850 --> 00:02:29,059 KT: Maybe when we're in Canada fishing or when we're on 38 00:02:29,059 --> 00:02:32,929 KT: the plane, it's a video, but it's very personal, and 39 00:02:33,330 --> 00:02:38,529 KT: Suze was unplugged and raw. She looked right into the camera, 40 00:02:38,649 --> 00:02:43,130 KT: no makeup, no glasses, nothing, and told me what she 41 00:02:43,130 --> 00:02:47,000 KT: thought and felt and wanted me to know. 42 00:02:47,649 --> 00:02:50,210 KT: Well, I can't, I'm gonna cry if I keep thinking 43 00:02:50,210 --> 00:02:52,809 KT: about it. So let's, let's move on and I will 44 00:02:52,809 --> 00:02:53,960 KT: one day share that. 45 00:02:54,369 --> 00:02:58,550 Suze: Alright, so today is Ask KT and Suze Anything, and 46 00:02:58,550 --> 00:03:02,250 Suze: this is where you can write in to ask Suze 47 00:03:02,250 --> 00:03:05,250 Suze: SUZE podcast at gmail.com. 48 00:03:05,880 --> 00:03:09,820 Suze: You can ask a question there. Now thousands come in, 49 00:03:10,029 --> 00:03:13,788 Suze: but if KT chooses it, it will be on this podcast, 50 00:03:13,830 --> 00:03:16,839 Suze: and as many of you know, I do scan them, 51 00:03:16,949 --> 00:03:20,750 Suze: and I will answer you personally if I think it 52 00:03:20,750 --> 00:03:25,728 Suze: warrants it. All I ask is don't write me your 53 00:03:25,729 --> 00:03:30,229 Suze: entire financial situation and ask me, are you OK? 54 00:03:30,839 --> 00:03:33,758 Suze: Don't do that. That's not what this is about. This 55 00:03:33,758 --> 00:03:37,270 Suze: is about asking questions really that you want to know, 56 00:03:37,399 --> 00:03:41,639 Suze: but that would also help everybody else who's listening. And 57 00:03:41,639 --> 00:03:45,479 Suze: when you make it so personal, do I have 50,000 here, 58 00:03:45,600 --> 00:03:48,029 Suze: 10,000 here, I have this and that. I have 4 kids. 59 00:03:48,559 --> 00:03:50,839 Suze: We're not going to choose it just so you know. 60 00:03:50,960 --> 00:03:51,550 Suze: All right, Miss 61 00:03:51,550 --> 00:03:51,949 Suze: Travis, what do you have for us? 62 00:03:52,479 --> 00:03:55,639 KT: But I did choose something that isn't a question that 63 00:03:55,639 --> 00:03:57,520 KT: I'd like to start today with. 64 00:03:58,009 --> 00:04:01,080 KT: And it's always in the subject area. This is what 65 00:04:01,080 --> 00:04:05,600 KT: always attracts my attention. This subject said with gratitude from 66 00:04:05,600 --> 00:04:09,919 KT: someone you helped more than you'll ever know. And her 67 00:04:09,919 --> 00:04:12,320 KT: name is Jen, and I want to read this and 68 00:04:12,320 --> 00:04:15,679 KT: share it with all of you. Dear Suze, thank you 69 00:04:15,679 --> 00:04:19,399 KT: for the woman you are and the life changing guidance 70 00:04:19,399 --> 00:04:23,640 KT: you've shared with millions, your straight talk, deep care, and 71 00:04:23,640 --> 00:04:27,049 KT: unwavering insistence on financial clarity, 72 00:04:27,488 --> 00:04:31,890 KT: have helped so many of us live stronger, freer lives. 73 00:04:32,170 --> 00:04:35,919 KT: As I listened to your podcast about the must-have documents, 74 00:04:36,250 --> 00:04:39,890 KT: I was struck again by how deeply you impacted not 75 00:04:39,890 --> 00:04:43,529 KT: only my life but the life of my late partner. 76 00:04:43,970 --> 00:04:48,290 KT: From the moment we met in 1996, she was already 77 00:04:48,290 --> 00:04:52,209 KT: a devoted fan. By the time the Suze Orman show 78 00:04:52,209 --> 00:04:56,369 KT: became part of our weekly routine in 2002, 79 00:04:56,850 --> 00:05:01,769 KT: we were both hooked, grateful students, soaking up every hard 80 00:05:01,769 --> 00:05:05,250 KT: truth and every ounce of your wisdom because of you 81 00:05:05,250 --> 00:05:08,450 KT: and your books at the time we had everything in 82 00:05:08,450 --> 00:05:15,890 KT: place wills, power of attorney, advance directives, beneficiary designations, the works. 83 00:05:16,209 --> 00:05:22,000 KT: And when I lost her to suicide in late 2003, 84 00:05:22,440 --> 00:05:26,799 KT: those documents, those systems you urged us to have gave 85 00:05:26,799 --> 00:05:31,140 KT: me something close to a soft landing. As much as 86 00:05:31,140 --> 00:05:35,880 KT: that's even possible. Without them, I can't imagine how much 87 00:05:35,880 --> 00:05:39,480 KT: harder that would have been. Sad, right? 88 00:05:39,488 --> 00:05:40,160 Suze: Yeah, but 89 00:05:40,160 --> 00:05:40,589 Suze: true. 90 00:05:41,160 --> 00:05:44,480 KT: It's been nearly 22 years since then, but she gave 91 00:05:44,480 --> 00:05:47,488 KT: me wings, and I've done my best to fly. 92 00:05:47,760 --> 00:05:51,779 KT: I've built businesses grown in purpose, and today I find 93 00:05:51,779 --> 00:05:57,178 KT: myself assisting a financial advisor licensed in life insurance and 94 00:05:57,178 --> 00:06:02,058 KT: annuities while I haven't yet sold a policy as I've 95 00:06:02,059 --> 00:06:04,178 KT: solely been focused on assisting. 96 00:06:04,619 --> 00:06:09,000 KT: The experience has been educational. I can hear your voice 97 00:06:09,000 --> 00:06:09,950 KT: in my head. 98 00:06:10,480 --> 00:06:10,600 Suze: You 99 00:06:10,600 --> 00:06:12,410 Suze: just did. Uh oh. 100 00:06:13,549 --> 00:06:17,159 KT: Here's what Jen wrote. She said, rightly skeptical of the 101 00:06:17,160 --> 00:06:20,920 KT: products pushed too hard for commission's sake. When I mentioned 102 00:06:20,920 --> 00:06:24,079 KT: your name to my boss, his reaction only made it 103 00:06:24,079 --> 00:06:28,399 KT: clearer to me. I'd rather be you than him. Every 104 00:06:28,785 --> 00:06:33,303 KT: single time you've inspired me again this time to begin 105 00:06:33,303 --> 00:06:37,584 KT: planting seeds for something of my own, a service for 106 00:06:37,584 --> 00:06:43,344 KT: LGBTQ individuals and chosen families to help them take those 107 00:06:43,345 --> 00:06:47,784 KT: same essential steps my partner and I did all those 108 00:06:47,785 --> 00:06:52,183 KT: years ago to help them feel safe, informed, and empowered. 109 00:06:52,709 --> 00:06:56,309 KT: Thank you, Suze, for everything you gave us back then 110 00:06:56,309 --> 00:07:01,450 KT: and everything you continue to give now with all my heart, Jen. 111 00:07:02,230 --> 00:07:04,549 Suze: You know, that I love that, but I have to 112 00:07:04,549 --> 00:07:07,058 Suze: tell you, you know, I said I scroll through these 113 00:07:07,350 --> 00:07:09,828 Suze: and I found you wrote to her and I wrote 114 00:07:09,829 --> 00:07:10,829 Suze: her and 115 00:07:11,470 --> 00:07:15,109 Suze: Jen, if you're listening right now, you now have the 116 00:07:15,109 --> 00:07:18,130 Suze: email that if you just reply to will come directly 117 00:07:18,130 --> 00:07:22,940 Suze: to me, right? But what's important is in your endeavor 118 00:07:23,190 --> 00:07:27,029 Suze: to help those who really somehow feel like they're left 119 00:07:27,029 --> 00:07:29,709 Suze: out and as time goes on they're being more and 120 00:07:29,709 --> 00:07:34,070 Suze: more left out truthfully that write me if you need 121 00:07:34,070 --> 00:07:35,549 Suze: help or you just want. 122 00:07:35,989 --> 00:07:39,760 Suze: Another wing to help you fly a little more, know 123 00:07:39,760 --> 00:07:42,950 Suze: that I am that wing for you, so always feel 124 00:07:42,950 --> 00:07:45,980 Suze: free to write me directly. All right, there you go. 125 00:07:46,109 --> 00:07:49,630 KT: OK, I'm going to follow that heartfelt email with one 126 00:07:49,630 --> 00:07:52,700 KT: of my favorite topics of all time. Can you guess, Suze? Roth! 127 00:07:55,260 --> 00:07:58,589 KT: This is from Amber. She said, Hi, Suze. My employer's 128 00:07:58,589 --> 00:08:03,820 KT: 401k offers three options and will contribute up to 4% 129 00:08:03,820 --> 00:08:09,570 KT: of the match. Pre-tax, Roth and post-tax. I'm confused. I 130 00:08:09,570 --> 00:08:14,250 KT: thought the Roth option was post-tax. What's the difference between 131 00:08:14,459 --> 00:08:19,260 KT: a Roth contribution and a post-tax contribution? Thank you for 132 00:08:19,260 --> 00:08:23,309 KT: all you do and fish on KT Nice birthday haul. 133 00:08:23,829 --> 00:08:27,220 Suze: That was a nice birthday. We've now had it for lunch, 134 00:08:27,390 --> 00:08:30,910 Suze: for dinner, for the whole thing. Amber, by the way, 135 00:08:30,950 --> 00:08:34,858 Suze: we love your name Amber, because KT and I love 136 00:08:34,859 --> 00:08:39,390 Suze: that Amber color and beautiful. I have little bracelets of 137 00:08:39,390 --> 00:08:42,348 Suze: amber that I wear. I just love them. I always 138 00:08:42,349 --> 00:08:44,819 Suze: think it means money just so you know. 139 00:08:45,190 --> 00:08:48,440 Suze: So anyway, I hope you have lots of money. Amber. 140 00:08:48,650 --> 00:08:52,530 Suze: Here's the thing, right, you are correct. There are 3 141 00:08:52,530 --> 00:08:58,189 Suze: different types of employer sponsored plans. Obviously a 401k pre-tax 142 00:08:58,190 --> 00:09:01,559 Suze: means you fund it with money you've never paid taxes on. 143 00:09:01,770 --> 00:09:03,640 Suze: It grows and it grows and it grows, and when 144 00:09:03,640 --> 00:09:04,690 Suze: you go to withdraw it. 145 00:09:04,969 --> 00:09:08,119 Suze: You're going to pay taxes on everything that you withdraw, 146 00:09:08,159 --> 00:09:12,489 Suze: just that simple. A Roth 401k. You fund it with 147 00:09:12,489 --> 00:09:18,119 Suze: after-tax contributions, and as that money grows and grows and grows, 148 00:09:18,280 --> 00:09:21,000 Suze: when you go to take it out later on following 149 00:09:21,000 --> 00:09:26,919 Suze: certain rules, it's 100% tax free, including its earnings. All right, 150 00:09:27,320 --> 00:09:33,079 Suze: there is something known as you said, as post-tax contributions. 151 00:09:33,280 --> 00:09:34,799 Suze: Now all of you know. 152 00:09:35,150 --> 00:09:38,330 Suze: That there are certain limits that you can put in 153 00:09:38,539 --> 00:09:41,960 Suze: to a 401k or a 403B or whatever it may 154 00:09:41,960 --> 00:09:49,419 Suze: be that you're contributing to. Under 50, it's $23,500. For 155 00:09:49,419 --> 00:09:53,340 Suze: those of you who are 50 or older, it's $7500 156 00:09:53,340 --> 00:09:57,690 Suze: in addition, so that's another $31,000 total. And for those 157 00:09:57,690 --> 00:10:00,020 Suze: of you who happen to be between the ages of 158 00:10:00,020 --> 00:10:01,500 Suze: 60 and 63. 159 00:10:02,200 --> 00:10:08,108 Suze: You can put in an additional $11,250 that includes that $7500. 160 00:10:08,479 --> 00:10:10,520 Suze: And so you have ways to get money in there, 161 00:10:10,599 --> 00:10:13,159 Suze: but above those limits. 162 00:10:13,969 --> 00:10:21,559 Suze: In a pre-tax 401k plan, you can put in after 163 00:10:21,559 --> 00:10:27,599 Suze: tax contributions up to $70,000 in total. I'll get to 164 00:10:27,599 --> 00:10:32,390 Suze: that in a 2nd. $77,500 if you're 50 or older, 165 00:10:32,960 --> 00:10:39,159 Suze: and that's $81,250 if you are 6263 now. 166 00:10:39,859 --> 00:10:45,570 Suze: It goes into a special sub-account within that 401k. 167 00:10:46,719 --> 00:10:52,929 Suze: What's interesting about post-tax contributions is those contributions are free 168 00:10:53,219 --> 00:10:58,059 Suze: when you withdraw them. However, the earnings on those contributions 169 00:10:58,059 --> 00:11:04,340 Suze: are 100% taxable unless your plan allows you. 170 00:11:04,859 --> 00:11:10,630 Suze: To do a transfer from that subaccount to your 401k 171 00:11:10,630 --> 00:11:15,640 Suze: Roth account at that corporation. So you have to ask 172 00:11:15,640 --> 00:11:18,239 Suze: now KT's looking at me a little confused, so you 173 00:11:18,239 --> 00:11:19,919 Suze: want me to give you an example, right? 174 00:11:20,119 --> 00:11:20,539 KT: Please. 175 00:11:20,840 --> 00:11:24,760 Suze: She said, please. My favorite. Well, you brought the topic up, KT. 176 00:11:24,890 --> 00:11:27,159 Suze: So listen, let's say you're under 50. 177 00:11:28,020 --> 00:11:30,650 Suze: Right, don't you wish? Do you wish? 178 00:11:30,859 --> 00:11:32,130 KT: No, give me the example. 179 00:11:32,700 --> 00:11:34,659 Suze: Oh, sorry, sorry. All right, so if you defer, let's say 180 00:11:34,659 --> 00:11:42,059 Suze: $23,500 and let's say your employer matches $4500. Now just 181 00:11:42,059 --> 00:11:47,179 Suze: so you all remember, always the employer contribution goes into 182 00:11:47,179 --> 00:11:51,459 Suze: a pre-taxed 401k because they want the tax write-off, even 183 00:11:51,460 --> 00:11:54,460 Suze: if you are doing a Roth 401k, but anyway. 184 00:11:55,119 --> 00:12:01,869 Suze: $23,500 in a pre-tax 401k. Your employer matches that $4500 185 00:12:02,039 --> 00:12:08,119 Suze: so that's a total of $28,000. So you could take 186 00:12:08,119 --> 00:12:13,320 Suze: that $28,000 subtract it from the $70,000 allowed, KT, to 187 00:12:13,320 --> 00:12:15,830 Suze: be totally put into that account that year. 188 00:12:16,270 --> 00:12:24,218 Suze: And contribute up to $42,000 in additional after-tax contributions into 189 00:12:24,219 --> 00:12:29,609 Suze: your pre-taxed 401k that will be held in a sub-account 190 00:12:29,609 --> 00:12:34,969 Suze: for you. So remember, however, not all 401ks offer this, 191 00:12:35,380 --> 00:12:38,140 Suze: so you need to ask and just check on it, 192 00:12:38,179 --> 00:12:40,820 Suze: but that's how it works. That's how people get 193 00:12:41,340 --> 00:12:46,229 Suze: what's called a mega retirement account, they keep doing this 194 00:12:46,229 --> 00:12:49,479 Suze: and then they transfer it to their Roth 40 and 195 00:12:49,479 --> 00:12:55,750 Suze: before you know they have millions in seriously their Roth 401k. 196 00:12:56,039 --> 00:12:56,238 KT: So which 197 00:12:56,239 --> 00:12:58,919 KT: of the three is best for Amber? 198 00:12:59,080 --> 00:13:01,309 Suze: I don't know. I don't know how much money she has, 199 00:13:01,559 --> 00:13:04,919 Suze: but let's just say she's just has the typical amount. 200 00:13:05,630 --> 00:13:10,380 Suze: Right. Obviously she should be doing a Roth, 100% a 201 00:13:10,380 --> 00:13:13,829 Suze: Roth with her money, and then I would also be 202 00:13:13,830 --> 00:13:16,460 Suze: doing a Roth IRA if you qualify. 203 00:13:16,840 --> 00:13:19,590 Suze: And then if you have extra money, so put it 204 00:13:19,590 --> 00:13:25,710 Suze: in a pre-tax 401k at work as your after-tax post contributions. 205 00:13:25,909 --> 00:13:29,909 KT: OK, there you go, Amber. Suze, next question says, hi Suze, 206 00:13:30,270 --> 00:13:32,989 KT: thank you so very much for helping my wife and 207 00:13:32,989 --> 00:13:35,460 KT: I get our finances back on track. 208 00:13:36,390 --> 00:13:42,539 KT: My question during these volatile times, ready, listen to this carefully, Suze. 209 00:13:42,909 --> 00:13:46,820 KT: Should we pay our rent two to three years in advance? 210 00:13:47,150 --> 00:13:50,549 KT: This money is a bonus from my work. We have 211 00:13:50,549 --> 00:13:57,030 KT: 600,000 in a diversified investment portfolio per your recommendations. We 212 00:13:57,030 --> 00:13:58,989 KT: are 73 and 70. 213 00:13:59,260 --> 00:14:02,039 KT: And then it says, yep, we went off the rails 214 00:14:02,039 --> 00:14:06,270 KT: in our 50s, recovered in our 60s, and here we are. 215 00:14:06,599 --> 00:14:12,108 KT: Recently retired and want to postpone taking any investment income 216 00:14:12,109 --> 00:14:16,640 KT: till 2028. I love the ending of this email. It 217 00:14:16,640 --> 00:14:18,718 KT: says biscuits and hugs, Linda. 218 00:14:19,869 --> 00:14:23,190 KT: Biscuits and hugs. 219 00:14:23,789 --> 00:14:24,710 Suze: That's because KT loves biscuits. 220 00:14:24,830 --> 00:14:25,630 KT: I love biscuits. 221 00:14:25,750 --> 00:14:28,270 Suze: So no, Linda, you are not to do that, and 222 00:14:28,270 --> 00:14:29,510 Suze: let me tell you why. 223 00:14:29,510 --> 00:14:30,539 KT: Rent. 224 00:14:30,830 --> 00:14:31,229 Suze: Right? 225 00:14:32,039 --> 00:14:33,440 Suze: What does that mean rent? 226 00:14:34,150 --> 00:14:36,229 KT: No, because she wants to pay two to three years 227 00:14:36,229 --> 00:14:36,739 KT: in advance. Rent! 228 00:14:37,039 --> 00:14:39,590 Suze: Do you think I did not listen to you carefully? 229 00:14:39,669 --> 00:14:41,070 Suze: You told me to listen to you 230 00:14:41,070 --> 00:14:41,630 Suze: carefully. 231 00:14:41,630 --> 00:14:43,549 KT: Because of the word rent. Soon as I saw that, 232 00:14:43,559 --> 00:14:44,940 KT: I said, Don't do it. 233 00:14:45,390 --> 00:14:48,080 Suze: Well, there you go. That's your answer. Why shouldn't she 234 00:14:48,080 --> 00:14:48,989 Suze: do it? KT? 235 00:14:49,229 --> 00:14:53,030 KT: Anything could happen to you and your partner, and you've 236 00:14:53,030 --> 00:14:57,309 KT: paid three years in advance of rent. It's, it's not 237 00:14:57,309 --> 00:14:57,950 KT: even your property. 238 00:14:57,950 --> 00:14:59,739 Suze: That's not the only reason. 239 00:15:00,330 --> 00:15:02,960 KT: All right, let's see what there's a whole lot of reasons. 240 00:15:04,169 --> 00:15:06,159 KT: You could do better things with that money. 241 00:15:06,229 --> 00:15:06,960 Suze: Give me another. 242 00:15:08,229 --> 00:15:09,700 Suze: Who is she paying rent to? 243 00:15:10,109 --> 00:15:10,789 KT: I don't know. 244 00:15:10,950 --> 00:15:13,739 Suze: The landlord. What could happen to the landlord? 245 00:15:14,059 --> 00:15:15,820 KT: Landlord could be gone. 246 00:15:15,929 --> 00:15:16,549 Suze: They could be gone. 247 00:15:16,849 --> 00:15:17,979 KT: They could sell. 248 00:15:18,150 --> 00:15:20,849 Suze: They could have an accident. They could pass away. 249 00:15:20,950 --> 00:15:23,710 KT: All I know is the word rent was my red flag, 250 00:15:23,830 --> 00:15:28,390 Suze: But anything can happen. So given, why not, 251 00:15:28,570 --> 00:15:32,239 Suze: the money that you would pay in advance and just 252 00:15:32,239 --> 00:15:35,599 Suze: put it somewhere safe as your rent money making just 253 00:15:35,599 --> 00:15:39,359 Suze: money market interest rates on it and just do that 254 00:15:39,359 --> 00:15:42,400 Suze: with it. I obviously would be investing it at this 255 00:15:42,400 --> 00:15:45,859 Suze: point in time because I do think after August and September, 256 00:15:46,000 --> 00:15:48,159 Suze: which could be a little bit of rough months but 257 00:15:48,159 --> 00:15:48,989 Suze: maybe not. 258 00:15:49,570 --> 00:15:51,859 Suze: These markets still have a lot to go, but no, 259 00:15:52,010 --> 00:15:55,309 Suze: that's such a waste of money. I cannot even tell you. 260 00:15:55,450 --> 00:15:56,039 Suze: All right, go on. 261 00:15:56,650 --> 00:16:00,090 KT: Ok, next question from Donna. Hi, Suze and KT. Hope 262 00:16:00,090 --> 00:16:03,729 KT: you had a wonderful birthday, KT. I did. Donna 263 00:16:04,309 --> 00:16:08,549 KT: says thanks for delivering an interesting informative and fun podcast 264 00:16:08,549 --> 00:16:12,190 KT: to us twice each week. My question pertains to the must-have documents. 265 00:16:12,190 --> 00:16:14,429 Suze: KT wants to go to only once a week, so 266 00:16:14,429 --> 00:16:17,270 Suze: you better tell her. You better say something. 267 00:16:17,590 --> 00:16:20,869 KT: My question pertains to the must-have documents and, and by 268 00:16:20,869 --> 00:16:23,859 KT: the way, for all of you that maybe missed my birthday. 269 00:16:24,669 --> 00:16:27,270 KT: We have a special and I believe the special is 270 00:16:27,270 --> 00:16:28,900 KT: for the whole month of July. 271 00:16:29,390 --> 00:16:29,434 Suze: No. 272 00:16:29,434 --> 00:16:30,270 KT: Oh, until when? 273 00:16:30,500 --> 00:16:31,380 Suze: It is 'till Sunday. 274 00:16:31,380 --> 00:16:36,219 KT: Oh, 'till this Sunday. Don't miss it. So I turned 275 00:16:36,219 --> 00:16:40,270 KT: I turned 73 and we were able to ask, Hey 276 00:16:40,270 --> 00:16:45,780 KT: house to please offer the must-have documents at $73 for 277 00:16:45,780 --> 00:16:48,900 KT: Suze's listeners, an incredible value. 278 00:16:49,289 --> 00:16:51,780 Suze: So you need to go to Musthavedocs.com/birthday 279 00:16:52,590 --> 00:17:03,789 Suze: And until Sunday midnight Pacific time, that $73 is good again, 280 00:17:03,950 --> 00:17:08,869 Suze: normally it's $99 for $2500 worth of state of the 281 00:17:08,869 --> 00:17:11,380 Suze: art documents. KT, I'm sorry, I just have to say 282 00:17:11,380 --> 00:17:13,150 Suze: something here which is. 283 00:17:13,569 --> 00:17:16,510 Suze: You know, I watch the news in certain channels all 284 00:17:16,510 --> 00:17:20,030 Suze: the time news channels. Then all the time there is 285 00:17:20,030 --> 00:17:23,380 Suze: this advertisement for this trust and will program and everything 286 00:17:23,380 --> 00:17:27,669 Suze: like that. Just a will for $169. What they also 287 00:17:27,670 --> 00:17:29,270 Suze: don't tell you is that yearly. 288 00:17:29,810 --> 00:17:32,530 Suze: They very well will charge you a renewal fee if 289 00:17:32,530 --> 00:17:34,689 Suze: you want to change it or anything 35 a year. 290 00:17:34,729 --> 00:17:40,010 Suze: But anyway, these are four documents a will, a trust, 291 00:17:40,089 --> 00:17:42,770 Suze: an advance directive, and a durable power of attorney for 292 00:17:42,770 --> 00:17:46,189 Suze: health care. You need all of them. But here's what 293 00:17:46,189 --> 00:17:53,000 Suze: I love about this program. Any time we have an update, OK? 294 00:17:53,369 --> 00:17:56,810 Suze: The update is free for you any time you want 295 00:17:56,810 --> 00:17:58,449 Suze: to make a change, 296 00:17:59,020 --> 00:18:01,170 Suze: you can go back as many times as you want 297 00:18:01,170 --> 00:18:03,780 Suze: and change it and change it and change it over 298 00:18:03,780 --> 00:18:05,410 Suze: all the years. 299 00:18:05,839 --> 00:18:09,030 Suze: And best but not least, you can share it with 300 00:18:09,030 --> 00:18:11,890 Suze: all your family members. This was never meant to be. 301 00:18:12,109 --> 00:18:13,869 Suze: Every single one of you needs to 302 00:18:13,869 --> 00:18:14,060 Suze: buy it. 303 00:18:14,060 --> 00:18:15,469 KT: No, it's shareware. 304 00:18:15,869 --> 00:18:19,420 Suze: It's Suze shareware, so only one of you needs to 305 00:18:19,420 --> 00:18:22,869 Suze: buy it. You get an activation code. You give your 306 00:18:22,869 --> 00:18:27,188 Suze: activation code to your family members, whoever it may be, 307 00:18:27,199 --> 00:18:28,910 Suze: as many as you want really. 308 00:18:29,420 --> 00:18:32,180 Suze: They then use the activation code, but they create their 309 00:18:32,180 --> 00:18:37,139 Suze: own account, their own password, so they cannot see anything 310 00:18:37,140 --> 00:18:40,659 Suze: that you have again $2500 worth of state of the 311 00:18:40,660 --> 00:18:43,739 Suze: art documents good in all 50 states. Now if that 312 00:18:43,739 --> 00:18:48,329 Suze: sounded like a plug for it, oh, it most certainly is. 313 00:18:48,660 --> 00:18:52,300 Suze: And on Sunday I'm going to tell you a story 314 00:18:52,300 --> 00:18:55,969 Suze: which is why I'm seriously now. 315 00:18:57,030 --> 00:19:00,930 Suze: What would you say, KT? I'm just so knowing that 316 00:19:00,930 --> 00:19:03,959 Suze: this is something that every single one of you needs. 317 00:19:04,130 --> 00:19:04,849 Suze: You have 318 00:19:04,849 --> 00:19:05,280 Suze: to have. 319 00:19:05,310 --> 00:19:09,810 KT: So, so Donna continues to say in the email, Currently 320 00:19:09,810 --> 00:19:12,849 KT: I have a living revocable trust that was created several 321 00:19:12,849 --> 00:19:16,650 KT: years ago. It's been updated a few times, including when 322 00:19:16,650 --> 00:19:20,290 KT: I moved to a different state. I'm wondering if I 323 00:19:20,290 --> 00:19:26,170 KT: should purchase the must-have documents with the special $73 birthday rate, 324 00:19:26,479 --> 00:19:29,500 KT: and use them next time I need to amend my 325 00:19:29,500 --> 00:19:34,839 KT: current trust instead of paying the hourly rate to an attorney. 326 00:19:35,410 --> 00:19:39,260 KT: Then the final question, is it possible to transfer my 327 00:19:39,260 --> 00:19:41,929 KT: existing trust into the must-have documents? 328 00:19:42,060 --> 00:19:42,260 Suze: And the 329 00:19:42,260 --> 00:19:45,739 Suze: answer to that is no. It is not possible. Chances 330 00:19:45,739 --> 00:19:47,849 Suze: are what you are going to have to do if 331 00:19:47,849 --> 00:19:51,329 Suze: you want to do that, Donna, is when you get 332 00:19:51,329 --> 00:19:55,728 Suze: the must-have docs, you're going to essentially start all over, 333 00:19:56,020 --> 00:19:59,959 Suze: enter the information that you have in your trust now 334 00:19:59,959 --> 00:20:01,060 Suze: into the 335 00:20:01,189 --> 00:20:03,900 Suze: program so it is there for you. So when you 336 00:20:03,900 --> 00:20:06,459 Suze: want to change it in the future, it's easy for 337 00:20:06,459 --> 00:20:09,719 Suze: you to change it. You can access it. There's no 338 00:20:09,719 --> 00:20:13,180 Suze: personal information, by the way, everybody in there. It's not 339 00:20:13,180 --> 00:20:16,689 Suze: like you're putting in your bank account numbers or your addresses, 340 00:20:16,780 --> 00:20:19,379 Suze: and it's just who you want to leave everything to 341 00:20:19,380 --> 00:20:22,300 Suze: and how you want to leave it. So don't worry 342 00:20:22,300 --> 00:20:24,969 Suze: about it. But then what you would have to do 343 00:20:24,969 --> 00:20:26,969 Suze: is get everything notarized again. 344 00:20:27,479 --> 00:20:31,689 Suze: Give everybody your banks and everything copies of your new trust, 345 00:20:31,920 --> 00:20:34,958 Suze: and there you go because they always should have the 346 00:20:34,959 --> 00:20:39,510 Suze: most updated copies of your wills and trusts. All right, 347 00:20:39,560 --> 00:20:40,209 Suze: go on, KT. 348 00:20:40,420 --> 00:20:42,879 KT: And again, another must have question. 349 00:20:43,380 --> 00:20:46,729 KT: This is from Joanie. I love you gals. Thank you 350 00:20:46,729 --> 00:20:50,290 KT: for all your wonderful guidance through the years. I'm updating 351 00:20:50,290 --> 00:20:55,839 KT: my must-haves, which I originally completed in 2012. 1 thing 352 00:20:55,839 --> 00:20:59,770 KT: I'm confused about, this is a good question, Suze. Should 353 00:20:59,770 --> 00:21:02,929 KT: my IRAs, I have most of my funds in a 354 00:21:02,930 --> 00:21:06,010 KT: wroth and a bit in a traditional, be titled in 355 00:21:06,010 --> 00:21:08,410 KT: the name of the trust or my name? 356 00:21:08,729 --> 00:21:13,670 KT: Should I name my beneficiaries directly into the retirement accounts, 357 00:21:13,719 --> 00:21:17,520 KT: or should the trust be my beneficiary? 358 00:21:17,959 --> 00:21:20,839 Suze: So first of all, there is a reason why 359 00:21:21,599 --> 00:21:27,010 Suze: an IRA stands for an individual retirement account whether it's 360 00:21:27,010 --> 00:21:31,790 Suze: a Roth or a traditional meaning pre-tax, it's an IRA, 361 00:21:32,000 --> 00:21:36,119 Suze: so you cannot name it in the name of the 362 00:21:36,119 --> 00:21:39,349 Suze: trust because a trust is not an individual. 363 00:21:39,780 --> 00:21:43,939 Suze: I would tell you that if in fact you are married, 364 00:21:44,290 --> 00:21:48,310 Suze: all right, if you are married, your spouse absolutely should 365 00:21:48,310 --> 00:21:53,510 Suze: be your primary beneficiary on any of your retirement accounts 366 00:21:53,510 --> 00:21:58,030 Suze: cause they have certain rights that nobody else has in 367 00:21:58,030 --> 00:22:00,430 Suze: terms of a contingent beneficiary. 368 00:22:00,939 --> 00:22:05,020 Suze: If your children are of age, they're older, they're responsible, 369 00:22:05,260 --> 00:22:08,579 Suze: whatever it may be, and let's say they're your secondary beneficiaries, 370 00:22:08,619 --> 00:22:12,500 Suze: your contingent, your spouse being your first, if you don't 371 00:22:12,500 --> 00:22:16,489 Suze: have a spouse, then your children who are absolutely capable, 372 00:22:16,780 --> 00:22:21,339 Suze: they should be individually named if they are minors, however. 373 00:22:22,130 --> 00:22:26,319 Suze: Then again your spouse would be the primary. The trust 374 00:22:26,319 --> 00:22:30,520 Suze: would be the secondary or contingency. Or if you don't 375 00:22:30,520 --> 00:22:34,160 Suze: have a spouse, then yes, your trust should be named 376 00:22:34,709 --> 00:22:39,800 Suze: as the beneficiary if you have minor children, all right, 377 00:22:40,010 --> 00:22:44,130 KT: OK. Next question from Jenny. Suze, I just realized that 378 00:22:44,130 --> 00:22:48,609 KT: my husband is the primary account holder of our credit cards. 379 00:22:48,810 --> 00:22:51,520 KT: I'm not sure where I heard this, but I heard 380 00:22:51,520 --> 00:22:53,069 KT: that when you die, your credit 381 00:22:53,234 --> 00:22:57,685 KT: cards get canceled and your spouse, who was an authorized user, 382 00:22:57,915 --> 00:23:00,844 KT: will no longer be able to use the credit card. 383 00:23:00,954 --> 00:23:01,464 Suze: That is correct. 384 00:23:01,675 --> 00:23:04,625 KT: OK, we just retired and of course our income's lower. 385 00:23:04,744 --> 00:23:07,704 KT: I'm a little worried about applying for a new card 386 00:23:07,704 --> 00:23:10,925 KT: with me as the primary. Do you have any advice 387 00:23:10,925 --> 00:23:11,714 KT: for Jenny? 388 00:23:12,074 --> 00:23:16,435 Suze: The amount of income you have isn't really that important 389 00:23:16,435 --> 00:23:19,194 Suze: when applying truthfully for a credit card. 390 00:23:19,739 --> 00:23:21,650 Suze: What you would do is if you have a good 391 00:23:21,650 --> 00:23:26,540 Suze: FICO score, a good credit score, and you apply, it 392 00:23:26,540 --> 00:23:29,099 Suze: can be based on maybe low income, but what they're 393 00:23:29,099 --> 00:23:34,859 Suze: really looking at is, have you been responsible with your bills? 394 00:23:34,869 --> 00:23:39,969 Suze: Is it a good credit score? So I would just apply. 395 00:23:40,300 --> 00:23:43,500 Suze: Many retirees do that and everything, and they'll get a credit. 396 00:23:43,540 --> 00:23:45,739 Suze: It might not be for a big limit. 397 00:23:46,229 --> 00:23:49,140 Suze: But that's how you would start if you get denied, 398 00:23:49,310 --> 00:23:52,869 Suze: then apply for a secured credit card where you put 399 00:23:52,869 --> 00:23:56,149 Suze: down a deposit into that credit card that secures it. 400 00:23:56,400 --> 00:23:59,260 Suze: And you'll start building your credit that way. It is 401 00:23:59,260 --> 00:24:02,130 Suze: not too late. You are to do it right after 402 00:24:02,130 --> 00:24:04,489 Suze: this podcast is heard by you. 403 00:24:04,660 --> 00:24:08,540 KT: So Suze, next question is from TJ. Hi Suze, my 404 00:24:08,540 --> 00:24:13,300 KT: daughter's 22 and will be 23 next month. She refinanced 405 00:24:13,300 --> 00:24:16,410 KT: her car to pay off credit cards two years ago 406 00:24:16,900 --> 00:24:18,180 KT: against my advice. 407 00:24:18,739 --> 00:24:21,060 KT: She then called her father, who was down on his 408 00:24:21,060 --> 00:24:23,339 KT: luck at the time, agreed to help her pay the 409 00:24:23,339 --> 00:24:27,099 KT: car loan, but then he passed away last year, and 410 00:24:27,099 --> 00:24:30,239 KT: she was so depressed, ready, Suze, she maxed out her 411 00:24:30,239 --> 00:24:31,699 KT: credit cards again. 412 00:24:32,229 --> 00:24:37,900 KT: Now she's $15,000 in debt, a full-time student working a 413 00:24:37,900 --> 00:24:41,219 KT: part-time job three days a week and on the weekends. 414 00:24:41,349 --> 00:24:44,349 KT: Her credit cards are closed. She's on a payment plan 415 00:24:44,349 --> 00:24:49,419 KT: that she cannot afford, and she barely is meeting that obligation. 416 00:24:49,709 --> 00:24:53,948 KT: She can't afford gas in the car, personal items, or summer. 417 00:24:54,042 --> 00:24:58,863 KT: Time fun activities and I refuse to help. Good. I 418 00:24:58,863 --> 00:25:01,622 KT: think she has to feel this to learn from it. 419 00:25:01,873 --> 00:25:03,233 KT: What is your advice? 420 00:25:03,392 --> 00:25:06,272 Suze: Do exactly what you have 421 00:25:06,272 --> 00:25:06,493 Suze: been doing TJ. 422 00:25:08,473 --> 00:25:12,233 Suze: It's just that simple. Obviously, this is a woman who 423 00:25:12,233 --> 00:25:15,272 Suze: needs to learn until she gets it and the only 424 00:25:15,272 --> 00:25:15,953 Suze: way she's going to get 425 00:25:16,005 --> 00:25:19,796 Suze: it is by letting her suffer. Go on, KT. 426 00:25:19,916 --> 00:25:24,556 KT: OK, this is from Tina. Dear Suze and staff, you 427 00:25:24,556 --> 00:25:29,354 KT: have always provided the best financial advice. Thank you. I 428 00:25:29,355 --> 00:25:32,475 KT: am a 57 year old nurse that would like to 429 00:25:32,475 --> 00:25:37,875 KT: open a Roth IRA using a former employer's 401k funds. 430 00:25:38,290 --> 00:25:43,000 KT: It's less than $20,000 she says. I am currently contributing 431 00:25:43,000 --> 00:25:47,599 KT: to another 401k plan with my current employer. Can you 432 00:25:47,599 --> 00:25:52,439 KT: please explain the process, or should I consider a rollover 433 00:25:52,439 --> 00:25:54,229 KT: with my current employer? 434 00:25:54,520 --> 00:25:56,919 Suze: Tina, here's what you need to know if you have 435 00:25:56,920 --> 00:26:01,780 Suze: less than $20,000 in your former employer's 401k. 436 00:26:02,579 --> 00:26:06,579 Suze: If you do roll it to a Roth IRA, you 437 00:26:06,579 --> 00:26:11,659 Suze: are going to do what owe ordinary income tax on 100% 438 00:26:11,660 --> 00:26:16,260 Suze: of that $20,000. If I were you, I would leave 439 00:26:16,260 --> 00:26:20,300 Suze: it with your former employer for now, and I would 440 00:26:20,300 --> 00:26:26,729 Suze: convert or roll $10,000 this year into a Roth IRA. 441 00:26:27,140 --> 00:26:29,339 Suze: You'll owe income taxes on that. 442 00:26:29,729 --> 00:26:32,469 Suze: And next year, because we're not that far away from 443 00:26:32,469 --> 00:26:35,669 Suze: next year, believe it or not, I would then convert 444 00:26:35,670 --> 00:26:39,989 Suze: the other $10,000 at that time. Then you would have 445 00:26:39,989 --> 00:26:44,250 Suze: $20,000 in a Roth IRA. How do you do it? 446 00:26:44,469 --> 00:26:48,609 Suze: Go to any brokerage firm like a Schwab, Fidelity, whatever 447 00:26:48,609 --> 00:26:52,909 Suze: it may be. Open up a Roth IRA there and 448 00:26:52,910 --> 00:26:54,589 Suze: just go from custodian 449 00:26:54,689 --> 00:26:58,229 Suze: to custodian, they will help you do it. It's just 450 00:26:58,229 --> 00:27:01,629 Suze: that simple. Now I just have to say for your 451 00:27:01,630 --> 00:27:05,359 Suze: current contributions to your 401k, can you just make sure 452 00:27:05,359 --> 00:27:09,229 Suze: they're to a Roth 401k? Can you just do me 453 00:27:09,229 --> 00:27:09,949 Suze: that favor? 454 00:27:10,829 --> 00:27:12,790 Suze: Otherwise you're going to have to nurse me. 455 00:27:14,989 --> 00:27:19,770 KT: And one final question, Suze, this is from Chad. I, I, 456 00:27:19,810 --> 00:27:22,130 KT: I thought this was kind of fun. It says hiring 457 00:27:22,130 --> 00:27:25,458 KT: an investment professional personally, I don't think he needs to, 458 00:27:25,530 --> 00:27:27,849 KT: but I'll read it to you. My name is Chad. 459 00:27:27,930 --> 00:27:31,409 KT: I've just turned 59. I'm wondering if I should hire 460 00:27:31,410 --> 00:27:36,979 KT: an investment professional to manage my retirement savings. I've always 461 00:27:36,979 --> 00:27:42,170 KT: directed my retirement savings to go into the S&P 500 462 00:27:42,170 --> 00:27:43,849 KT: mutual funds. I always 463 00:27:44,069 --> 00:27:46,708 KT: keep in mind what you've said about trusting your gut 464 00:27:46,709 --> 00:27:51,430 KT: when interviewing investors. I've interviewed four so far, two of 465 00:27:51,430 --> 00:27:54,069 KT: whom I really like, and I have one more I 466 00:27:54,069 --> 00:27:57,630 KT: still want to speak with. Their fees range from 1.1% 467 00:27:57,630 --> 00:28:03,390 KT: to 1.5% of total assets invested. Do you consider those 468 00:28:03,390 --> 00:28:07,150 KT: rates reasonable? Should I hire one of these investors or 469 00:28:07,150 --> 00:28:08,989 KT: leave my savings where they are? 470 00:28:11,099 --> 00:28:12,599 KT: That's Chad's question. 471 00:28:13,579 --> 00:28:16,910 Suze: Oh, Chad, Chad, Chad, listen, this is a hard one 472 00:28:17,599 --> 00:28:20,959 Suze: because the truth of the matter is, let's say you 473 00:28:20,959 --> 00:28:27,000 Suze: started in 2009 investing, let's just say $10,000 and you 474 00:28:27,000 --> 00:28:29,438 Suze: just put it in the Standard and Poor's 500 index, 475 00:28:29,479 --> 00:28:33,760 Suze: which maybe you did, right? Then, you know, to 2024, 476 00:28:33,839 --> 00:28:40,869 Suze: those 15 years, it averaged about 17.1%. It did incredibly 477 00:28:40,869 --> 00:28:41,479 Suze: well now. 478 00:28:42,089 --> 00:28:45,439 Suze: If you missed the 2009 and you went into 2010, 479 00:28:45,449 --> 00:28:49,719 Suze: it would only be like 12.1%, but either way, fabulous. 480 00:28:50,130 --> 00:28:53,969 Suze: So for every $10,000 that you invested 481 00:28:54,959 --> 00:29:01,119 Suze: versus what the asset manager may charge you either 1.1% 482 00:29:01,119 --> 00:29:06,000 Suze: or 1.5%, it's going to cost you a serious sum 483 00:29:06,000 --> 00:29:12,319 Suze: of money. Very few asset managers truthfully can outperform the 484 00:29:12,319 --> 00:29:16,339 Suze: Janner and Poor's 500 index. Now that doesn't mean that 485 00:29:16,339 --> 00:29:20,290 Suze: you shouldn't use a financial advisor and those things. However, 486 00:29:20,520 --> 00:29:23,040 Suze: it's not just about liking them, Chad. 487 00:29:23,750 --> 00:29:28,180 Suze: You need to ask what has their actual return been 488 00:29:28,430 --> 00:29:32,579 Suze: for the past 10 or 15 years and to prove 489 00:29:32,579 --> 00:29:37,410 Suze: it to you because if they're not making at least 5% 490 00:29:37,410 --> 00:29:41,810 Suze: more than what the Standard and Poor's 500 index is 491 00:29:41,810 --> 00:29:44,229 Suze: making for you, it is a waste of your money 492 00:29:44,229 --> 00:29:48,670 Suze: and just to give you an example, over 15 years 493 00:29:48,670 --> 00:29:52,579 Suze: for every $10,000 you would have invested. 494 00:29:53,119 --> 00:29:56,800 Suze: It would be about $14,000 more if you left it 495 00:29:56,800 --> 00:30:02,310 Suze: in the Standard and Poor's 500 index versus this 1.5% fee, 496 00:30:02,319 --> 00:30:05,040 Suze: or even if it were a 1.1% fee, it would 497 00:30:05,040 --> 00:30:07,420 Suze: be like $8000 difference. So, 498 00:30:08,180 --> 00:30:10,369 Suze: I don't know... if you've been doing well. 499 00:30:11,369 --> 00:30:15,079 Suze: I probably would just leave it with what you've been doing. 500 00:30:15,199 --> 00:30:18,680 Suze: That's what I will tell you, all right, unless you 501 00:30:18,680 --> 00:30:24,359 Suze: find a manager who can beat the 500 index, prove it, 502 00:30:24,599 --> 00:30:25,439 Suze: prove it, prove 503 00:30:25,439 --> 00:30:26,260 Suze: it, prove it. 504 00:30:26,770 --> 00:30:29,359 KT: All right, Suze, that's a wrap. That was a great one. 505 00:30:29,359 --> 00:30:31,040 Suze: All right now, KT, let's remind everybody, 506 00:30:31,479 --> 00:30:38,859 Suze: that the offer at Alliant Credit Union for 4.3% APY 507 00:30:38,859 --> 00:30:44,500 Suze: for a 12 month certificate is still available for amounts 508 00:30:44,500 --> 00:30:51,420 Suze: of $75,000 or more. It's 4.35% APY. 509 00:30:51,810 --> 00:30:55,540 Suze: So you should look into it and go to myalliant 510 00:30:55,540 --> 00:31:00,079 Suze: A L L I A N T.com and check it out. 511 00:31:00,290 --> 00:31:03,290 Suze: And again, you only have a few days left to 512 00:31:03,290 --> 00:31:08,969 Suze: take advantage of Miss KT's birthday pricing of $73. Go 513 00:31:08,969 --> 00:31:09,290 Suze: to 514 00:31:10,069 --> 00:31:17,800 Suze: MustHavedocs.com/birthday, and that is where you get the must-have docs 515 00:31:17,800 --> 00:31:19,500 Suze: and why do we call them that KT? 516 00:31:19,670 --> 00:31:21,030 KT: Because you must have them! 517 00:31:21,030 --> 00:31:24,819 Suze: All right. So until next time there's only one thing 518 00:31:24,819 --> 00:31:27,300 Suze: we want you all to remember when it comes to 519 00:31:27,300 --> 00:31:28,099 Suze: your money. 520 00:31:28,369 --> 00:31:31,979 Suze: And that is this is the year to do what KT? 521 00:31:32,500 --> 00:31:35,930 KT: Make your money, make more money. 522 00:31:36,060 --> 00:31:39,540 Suze: And that's exactly what we are doing. All right, everybody, 523 00:31:39,750 --> 00:31:41,060 Suze: see you soon. We love you. 524 00:31:41,219 --> 00:31:42,089 KT: Bye bye.