1 00:00:08,689 --> 00:00:13,930 Suze: January 11th, 2026. Welcome everybody to the Women and Money 2 00:00:13,930 --> 00:00:18,110 Suze: podcast and everybody smart enough to listen. Suze O here 3 00:00:18,110 --> 00:00:22,389 Suze: and today is Suze School, and this is the podcast 4 00:00:22,969 --> 00:00:26,729 Suze: that many of you have been waiting for. You have 5 00:00:26,729 --> 00:00:30,889 Suze: wanted to hear about what's gonna happen to money, what 6 00:00:30,889 --> 00:00:34,330 Suze: should you be investing in? Where is the economy going? 7 00:00:34,569 --> 00:00:37,389 Suze: You have been waiting and waiting cause it's a new year. 8 00:00:37,819 --> 00:00:41,700 Suze: So, everybody's making new projections, but I opened up this 9 00:00:41,700 --> 00:00:45,139 Suze: year not making new projections. I opened it up with 10 00:00:45,139 --> 00:00:47,380 Suze: telling you things that I really wanted you to know 11 00:00:47,380 --> 00:00:50,700 Suze: that had nothing to do really with, if the stock 12 00:00:50,700 --> 00:00:53,409 Suze: market went up or the stock market went down. It 13 00:00:53,409 --> 00:00:56,700 Suze: had to do with how you make more money out 14 00:00:56,700 --> 00:00:59,819 Suze: of the money you already have, which is really the 15 00:00:59,819 --> 00:01:02,680 Suze: focus of the Women and Money podcast. 16 00:01:03,520 --> 00:01:06,679 Suze: This isn't a podcast, everybody, if you're just joining us 17 00:01:06,680 --> 00:01:09,900 Suze: for the first time, where all we talk about is 18 00:01:10,099 --> 00:01:12,779 Suze: what you should invest in, what you should be buying, 19 00:01:12,959 --> 00:01:16,269 Suze: you should be selling the economy, we talk about you. 20 00:01:17,099 --> 00:01:21,459 Suze: It's personal finance. It's what do you personally need to 21 00:01:21,459 --> 00:01:26,059 Suze: know to make your life better. The things that nobody 22 00:01:26,059 --> 00:01:29,540 Suze: really wants to deal with a trust, a will, what 23 00:01:29,540 --> 00:01:33,019 Suze: kind of retirement account? Should you refinance your house? Should 24 00:01:33,019 --> 00:01:36,019 Suze: you even buy a house? Not is real estate going up, 25 00:01:36,059 --> 00:01:39,910 Suze: is real estate going down? No. Of course, we talk 26 00:01:39,910 --> 00:01:43,900 Suze: about some of those things, but not everything 27 00:01:44,330 --> 00:01:48,449 Suze: hat has to do with you being financially successful is 28 00:01:48,449 --> 00:01:51,510 Suze: about buying and selling stocks. 29 00:01:52,250 --> 00:01:56,349 Suze: So, just know that the other day I was interviewed 30 00:01:56,639 --> 00:01:59,610 Suze: by Kiplinger's magazine. I don't know when it's coming out, 31 00:01:59,730 --> 00:02:03,330 Suze: but that's all right, and they asked me something to 32 00:02:03,330 --> 00:02:06,410 Suze: the effect of, what is it that I would want 33 00:02:06,410 --> 00:02:08,690 Suze: everybody to know? Something like that. I don't remember the 34 00:02:08,690 --> 00:02:09,728 Suze: exact phrasing. 35 00:02:10,429 --> 00:02:14,940 Suze: And I said, the most important thing everybody should know 36 00:02:15,240 --> 00:02:19,820 Suze: is that you can never fix a financial problem with money. 37 00:02:20,500 --> 00:02:24,919 Suze: And so many of you think that your problem out there. 38 00:02:25,538 --> 00:02:28,978 Suze: It is all about not having as much money as 39 00:02:28,979 --> 00:02:31,529 Suze: you need or want or knowing what to do with 40 00:02:31,529 --> 00:02:33,550 Suze: your money or whatever it may be. 41 00:02:34,710 --> 00:02:37,829 Suze: You and your money are one. I've said this before, 42 00:02:37,949 --> 00:02:41,070 Suze: I'll say it forever. So if your money is a 43 00:02:41,070 --> 00:02:46,829 Suze: financial chaotic mess, it means you are a chaotic mess 44 00:02:46,830 --> 00:02:49,410 Suze: cause you're the one who controls your money. 45 00:02:50,179 --> 00:02:53,360 Suze: The other thing that I found a little bit fascinating 46 00:02:53,619 --> 00:02:57,500 Suze: is that as I was reading some of the posts 47 00:02:57,500 --> 00:03:01,220 Suze: on the Women and Money podcast wall, so there is 48 00:03:01,220 --> 00:03:04,850 Suze: a community app called Women and Money, and you can 49 00:03:04,850 --> 00:03:08,139 Suze: download it by going to Apple Apps or Google Play, 50 00:03:08,538 --> 00:03:12,940 Suze: and there's little boxes that you can search the podcast, 51 00:03:13,020 --> 00:03:15,380 Suze: you can do all kinds of things, but there's a 52 00:03:15,380 --> 00:03:18,820 Suze: wall where many people post, and I was reading a 53 00:03:18,820 --> 00:03:19,550 Suze: few of them. 54 00:03:19,869 --> 00:03:24,179 Suze: And people were saying, Suze, can you make this more 55 00:03:24,179 --> 00:03:28,440 Suze: for retired people? I feel like everything is still for 56 00:03:28,440 --> 00:03:32,410 Suze: people who are just working, and I'm now getting older. 57 00:03:32,559 --> 00:03:35,020 Suze: Don't talk to me about getting older. I'm gonna be 75. 58 00:03:35,880 --> 00:03:39,300 Suze: Right? But that I'm getting older and I need advice. 59 00:03:39,399 --> 00:03:41,699 Suze: What do I do now that I'm no longer working, 60 00:03:42,119 --> 00:03:46,279 Suze: now that I'm in my retirement years, what should I do? 61 00:03:47,500 --> 00:03:50,240 Suze: Listen to me very closely, everybody. 62 00:03:51,550 --> 00:03:57,199 Suze: What you do with money is not based simply on age. 63 00:03:57,770 --> 00:03:59,440 Suze: It's based on 64 00:04:00,130 --> 00:04:05,330 Suze: your economic situation. There are many, many people in retirement 65 00:04:06,369 --> 00:04:10,330 Suze: that don't worry about money because they've done everything I 66 00:04:10,330 --> 00:04:12,649 Suze: ever asked them to do over 30 or 40 years 67 00:04:12,649 --> 00:04:15,330 Suze: and now they have a lot of money, their home 68 00:04:15,330 --> 00:04:18,850 Suze: is paid off, everything is fine now they just kind 69 00:04:18,850 --> 00:04:20,690 Suze: of wanna know how do they keep it safe, what 70 00:04:20,690 --> 00:04:23,529 Suze: do they do, things like that. We talk about that 71 00:04:23,529 --> 00:04:28,059 Suze: all the time if you think about it. Maybe you're 33. 72 00:04:28,970 --> 00:04:32,579 Suze: And other 33 year olds are doing really great. 73 00:04:33,450 --> 00:04:36,519 Suze: And you're trying to keep up with them, I don't know, 74 00:04:36,619 --> 00:04:40,500 Suze: but you're a different 33 year old based on your 75 00:04:40,500 --> 00:04:43,500 Suze: economic situation, cause maybe you haven't been able to find 76 00:04:43,500 --> 00:04:47,320 Suze: a job or whatever it is. So, stop feeling like 77 00:04:47,410 --> 00:04:51,640 Suze: I'm in retirement. You need to talk to retirement people 78 00:04:51,820 --> 00:04:54,040 Suze: more than you're talking to others. 79 00:04:54,589 --> 00:04:59,808 Suze: And some of you on the actual app agreed with everybody. Yeah, 80 00:05:00,029 --> 00:05:02,540 Suze: I wanna hear more about what should I do now 81 00:05:02,540 --> 00:05:04,630 Suze: with my money that I'm in retirement. 82 00:05:05,459 --> 00:05:07,640 Suze: I was like, can you tell I got a little 83 00:05:07,640 --> 00:05:10,678 Suze: aggravated at all of you? I wanted to say, really? 84 00:05:11,549 --> 00:05:14,809 Suze: Do you think I haven't been talking directly to all 85 00:05:14,809 --> 00:05:18,988 Suze: of you? Of course I have. But if you are 86 00:05:18,988 --> 00:05:23,950 Suze: in your retirement years and you've done everything that I've 87 00:05:23,950 --> 00:05:27,670 Suze: ever asked you to do, you would be investing then 88 00:05:27,670 --> 00:05:31,510 Suze: like a 45 year old, a 55 year old. You 89 00:05:31,510 --> 00:05:35,950 Suze: wouldn't be investing because you were older if all your 90 00:05:35,950 --> 00:05:37,869 Suze: bases were covered. 91 00:05:39,019 --> 00:05:44,299 Suze: So, depends on your individual situation, what you need to know. 92 00:05:45,559 --> 00:05:48,049 Suze: And there's so much you need to know. There are 93 00:05:48,049 --> 00:05:48,640 Suze: basic rules. 94 00:05:50,399 --> 00:05:52,489 Suze: Own your home outright if you're going to stay in 95 00:05:52,488 --> 00:05:55,209 Suze: it forever by the time you retire. Make sure that 96 00:05:55,209 --> 00:05:59,890 Suze: you're totally out of debt. Downsize to decrease your expenses 97 00:05:59,890 --> 00:06:03,369 Suze: so that you can afford things. Cut out things if 98 00:06:03,369 --> 00:06:06,450 Suze: you don't have enough money. Maybe look into getting a 99 00:06:06,450 --> 00:06:10,200 Suze: guaranteed income source through an immediate annuity. There are so 100 00:06:10,200 --> 00:06:13,450 Suze: many things, and especially for you, for those of you 101 00:06:13,450 --> 00:06:15,970 Suze: 50 and older, my book, 102 00:06:16,519 --> 00:06:19,920 Suze: The Ultimate Retirement Guide for 50+. I wrote an entire 103 00:06:19,920 --> 00:06:22,678 Suze: book for all of you. Are you kidding me? 104 00:06:23,540 --> 00:06:25,100 Suze: By the way, I think if you go on the 105 00:06:25,100 --> 00:06:26,519 Suze: Women in Money app, 106 00:06:27,260 --> 00:06:30,010 Suze: and you look at the Suze shop. I think that 107 00:06:30,010 --> 00:06:34,170 Suze: book is there still for $10 and that includes shipping. 108 00:06:34,488 --> 00:06:39,049 Suze: Might want to check that out. Just know if you're 109 00:06:39,049 --> 00:06:42,660 Suze: needing something, I'll eventually get to it cause I do 110 00:06:42,660 --> 00:06:47,690 Suze: cover everything you need to know sooner than later when 111 00:06:47,690 --> 00:06:52,909 Suze: it comes to money regardless of your age, but 112 00:06:53,420 --> 00:06:57,459 Suze: today, I do want to give you an overview of 113 00:06:57,459 --> 00:07:00,500 Suze: what I think is happening in the economy and also 114 00:07:00,500 --> 00:07:03,000 Suze: kind of tell you why I just wanted to wait 115 00:07:03,178 --> 00:07:07,089 Suze: and not come out of the gate 11 days ago with, 116 00:07:07,100 --> 00:07:09,619 Suze: this is what I think, here's your new forecast for 117 00:07:09,619 --> 00:07:12,559 Suze: the year. I just wanted to see what was gonna happen. 118 00:07:13,880 --> 00:07:16,959 Suze: I just did. I wanted to see what we'd be 119 00:07:16,959 --> 00:07:19,760 Suze: affected by Venezuela because it was obvious that was going 120 00:07:19,760 --> 00:07:20,459 Suze: to happen. 121 00:07:21,390 --> 00:07:23,549 Suze: What was going to happen with ICE? What was gonna 122 00:07:23,549 --> 00:07:26,190 Suze: happen if something went wrong, and it did. 123 00:07:27,029 --> 00:07:30,989 Suze: So, I just wanted to see how would it affect 124 00:07:30,989 --> 00:07:31,950 Suze: the markets. 125 00:07:33,200 --> 00:07:35,880 Suze: Were the markets going up? Were they going down? What 126 00:07:35,880 --> 00:07:38,799 Suze: were they doing? What was AI doing? I just wanted 127 00:07:38,799 --> 00:07:42,760 Suze: to see things get a hold for me to be 128 00:07:42,760 --> 00:07:44,320 Suze: able to then say, OK. 129 00:07:45,230 --> 00:07:49,269 Suze: This is what I think, and now I'm gonna share 130 00:07:49,269 --> 00:07:51,869 Suze: it with you, so I want all of you to 131 00:07:51,869 --> 00:07:52,929 Suze: listen to me now. 132 00:07:53,859 --> 00:07:56,079 Suze: I just said it, but I'm going to say it again. 133 00:07:56,660 --> 00:08:00,119 Suze: There is so much noise right now about the markets, 134 00:08:00,459 --> 00:08:04,619 Suze: about politics, about interest rates, about what should I do, 135 00:08:04,779 --> 00:08:10,899 Suze: what shouldn't I do, AI, oil prices, elections, headlines, and 136 00:08:10,899 --> 00:08:15,660 Suze: in my opinion, they are all designed to scare you. 137 00:08:16,059 --> 00:08:19,510 Suze: And they scare you so badly, you don't even want 138 00:08:19,510 --> 00:08:22,829 Suze: to open your statements. You become this little thing that 139 00:08:22,829 --> 00:08:25,269 Suze: sticks their head in the sand and goes, I can't 140 00:08:25,269 --> 00:08:27,709 Suze: deal with anything. I can't watch TV. I don't want 141 00:08:27,709 --> 00:08:29,750 Suze: to see the news, I don't wanna do this, I 142 00:08:29,750 --> 00:08:32,869 Suze: don't wanna do it. I just don't wanna know, and 143 00:08:32,869 --> 00:08:34,549 Suze: you turn on HGTV. 144 00:08:36,179 --> 00:08:38,840 Suze: Well, that's what KT says. Can we just watch HGTV? 145 00:08:38,950 --> 00:08:42,619 Suze: Can we just stop watching the news? So, here is 146 00:08:42,619 --> 00:08:46,099 Suze: the truth though, that I want you to hear loud 147 00:08:46,099 --> 00:08:47,579 Suze: and clear from me. 148 00:08:48,559 --> 00:08:55,039 Suze: I personally believe that the foundation of this market remains 149 00:08:55,039 --> 00:08:59,739 Suze: strong and that the trends that matter most are still, 150 00:09:00,000 --> 00:09:04,799 Suze: in my opinion, working in your favor. I want to 151 00:09:04,799 --> 00:09:07,859 Suze: talk about the United States of America for a second, 152 00:09:08,320 --> 00:09:10,630 Suze: cause a lot of people are emailing and saying, Suze, 153 00:09:11,239 --> 00:09:14,679 Suze: don't you think we should invest overseas? Don't you think 154 00:09:14,679 --> 00:09:18,280 Suze: you should be recommending cause you never have some global 155 00:09:18,280 --> 00:09:20,140 Suze: investments and things like that? 156 00:09:20,880 --> 00:09:24,000 Suze: And the answer to that is no, I don't think so. 157 00:09:24,750 --> 00:09:28,710 Suze: I think that the United States is still the place 158 00:09:28,710 --> 00:09:32,709 Suze: of the most extraordinary opportunity out there, and it has 159 00:09:32,710 --> 00:09:35,359 Suze: nothing to do with politics. 160 00:09:36,309 --> 00:09:40,909 Suze: You have got to leave politics out of the decisions 161 00:09:40,909 --> 00:09:43,909 Suze: that you make with money. Have I not said to 162 00:09:43,909 --> 00:09:48,469 Suze: you that anger is the number one internal obstacle to 163 00:09:48,469 --> 00:09:51,950 Suze: wealth when you are angry, when you are afraid, when 164 00:09:51,950 --> 00:09:52,929 Suze: you are ashamed. 165 00:09:53,719 --> 00:09:56,119 Suze: You buy at the wrong time, you sell at the 166 00:09:56,119 --> 00:10:02,030 Suze: wrong time, your emotions rule you versus you ruling your emotions, 167 00:10:02,080 --> 00:10:04,099 Suze: and therefore you ruling your money. 168 00:10:05,419 --> 00:10:09,140 Suze: So, I personally believe that right here in the United 169 00:10:09,140 --> 00:10:11,960 Suze: States of America, when it comes to investing, 170 00:10:12,650 --> 00:10:18,439 Suze: I'm going to keep my money at home, just that simple. 171 00:10:18,690 --> 00:10:23,109 Suze: There's a lot going right in the markets and in companies, 172 00:10:23,650 --> 00:10:27,289 Suze: but there's a lot going wrong for many, many people 173 00:10:27,289 --> 00:10:31,770 Suze: out there. It is true that many of you are 174 00:10:31,770 --> 00:10:36,250 Suze: losing your jobs, you're losing your health insurance, you're losing 175 00:10:36,250 --> 00:10:39,570 Suze: all kinds of things. I get that. 176 00:10:40,460 --> 00:10:44,059 Suze: And I'm sorry to say that's not what this podcast 177 00:10:44,059 --> 00:10:49,679 Suze: today is about, cause those are serious, serious problems that 178 00:10:49,859 --> 00:10:53,940 Suze: I don't know how they're gonna fix. But sometimes what 179 00:10:53,940 --> 00:10:59,770 Suze: goes on, broad-based, doesn't necessarily believe it or not, reflect 180 00:10:59,770 --> 00:11:00,880 Suze: in the market. 181 00:11:01,729 --> 00:11:07,189 Suze: So the economy is one thing, the stock market is another, 182 00:11:07,849 --> 00:11:11,210 Suze: how you live, I'm repeating this now, how you are 183 00:11:11,210 --> 00:11:14,089 Suze: affected by what's going on and how you live and 184 00:11:14,090 --> 00:11:17,689 Suze: how it's affecting your personal lives is different for every 185 00:11:17,690 --> 00:11:21,109 Suze: single one of you. So I want you to keep 186 00:11:21,109 --> 00:11:24,909 Suze: in mind before I now go on to tell you 187 00:11:24,979 --> 00:11:30,140 Suze: what I think about just the stock market, about investments. 188 00:11:30,789 --> 00:11:33,349 Suze: I want you to keep in mind I so get 189 00:11:33,739 --> 00:11:36,169 Suze: how hard it is on many of you. 190 00:11:36,929 --> 00:11:43,202 Suze: But again I'm just talking about the markets here, number one. 191 00:11:43,202 --> 00:11:43,419 Suze: 192 00:11:44,219 --> 00:11:47,539 Suze: Number two, anything that you hear me say obviously can 193 00:11:47,539 --> 00:11:51,640 Suze: change if things in the world change because we're living 194 00:11:51,640 --> 00:11:52,929 Suze: in a very volatile time. 195 00:11:55,669 --> 00:11:58,590 Suze: When I tell you I like an ETF or a 196 00:11:58,590 --> 00:12:02,710 Suze: stock or something like that, rule of thumb is you 197 00:12:02,710 --> 00:12:05,869 Suze: are not to go out and rush and buy it. 198 00:12:06,739 --> 00:12:11,219 Suze: You are to throughout this entire year dollar cost average 199 00:12:11,219 --> 00:12:14,659 Suze: into everything little by little. 200 00:12:15,460 --> 00:12:19,210 Suze: And it's just that simple. So when you hear me say, 201 00:12:19,349 --> 00:12:22,190 Suze: I like such and such over this, I like this 202 00:12:22,190 --> 00:12:24,968 Suze: over that, which I'm going to say in a little bit, 203 00:12:25,429 --> 00:12:30,459 Suze: that doesn't mean tomorrow you go out and you just buy, buy, buy. 204 00:12:30,750 --> 00:12:33,989 Suze: You are to wait till these stocks go down, till 205 00:12:33,989 --> 00:12:37,348 Suze: the ETFs go down, cause this market is not gonna 206 00:12:37,349 --> 00:12:40,950 Suze: go straight up. This market is still gonna be a 207 00:12:40,950 --> 00:12:42,359 Suze: serious roller coaster. 208 00:12:43,219 --> 00:12:46,200 Suze: So when I give you pricing and things like that, 209 00:12:46,419 --> 00:12:49,919 Suze: I'm talking about probably by the end of the year. 210 00:12:50,299 --> 00:12:53,419 Suze: This is where many of those things will be, but 211 00:12:53,419 --> 00:12:56,619 Suze: they will not be there next week or two weeks 212 00:12:56,619 --> 00:13:00,260 Suze: from now. So if you are going to be investing 213 00:13:00,260 --> 00:13:01,719 Suze: in these markets. 214 00:13:02,619 --> 00:13:07,280 Suze: Just no, bottom line, they will go up and down. 215 00:13:07,700 --> 00:13:09,939 Suze: They're gonna go in and out, they're gonna go all 216 00:13:09,940 --> 00:13:13,090 Suze: over the place. We still have to deal with tariffs, 217 00:13:13,179 --> 00:13:16,260 Suze: they still have an effect on everything, so all of 218 00:13:16,260 --> 00:13:18,979 Suze: that has to be dealt with, but overall. 219 00:13:20,059 --> 00:13:22,530 Suze: This is what I want to tell you. I have 220 00:13:22,530 --> 00:13:27,690 Suze: noticed and I think will probably happen with certain areas 221 00:13:27,690 --> 00:13:32,609 Suze: of the market over the next year. And the number 222 00:13:32,609 --> 00:13:37,609 Suze: one rule of investing is you only invest with money 223 00:13:37,609 --> 00:13:41,380 Suze: that you do not need for at least five years 224 00:13:41,380 --> 00:13:44,809 Suze: or longer. When I say investing, that means in the 225 00:13:44,809 --> 00:13:48,409 Suze: stock market. So this is long term. 226 00:13:49,280 --> 00:13:52,780 Suze: Even if we have a bad year this year, it's OK. 227 00:13:52,960 --> 00:13:57,579 Suze: Years from now, everything, if you keep dollar cost averaging 228 00:13:57,799 --> 00:14:02,799 Suze: and have the patience to just stick it out, you 229 00:14:02,799 --> 00:14:07,330 Suze: should be fine. So with that, let's begin. 230 00:14:08,650 --> 00:14:12,530 Suze: What's interesting about what is changing right now, if you 231 00:14:12,530 --> 00:14:13,890 Suze: look at the big picture. 232 00:14:14,510 --> 00:14:18,140 Suze: Is that when I look at everything, I'm seeing a 233 00:14:18,140 --> 00:14:23,270 Suze: very broad-based expansion in the market. What do I mean 234 00:14:23,270 --> 00:14:26,419 Suze: by that? I'm not just seeing that a handful of 235 00:14:26,419 --> 00:14:30,929 Suze: tech stocks are just pulling everything higher and higher and higher, 236 00:14:31,109 --> 00:14:33,830 Suze: and if you weren't invested in those seven stocks or 237 00:14:33,830 --> 00:14:37,299 Suze: whatever they were, you really didn't make as much money 238 00:14:37,299 --> 00:14:40,630 Suze: as you could have, which depressed a lot of you. 239 00:14:41,320 --> 00:14:47,000 Suze: But what's happening right now really matters, everybody, because when 240 00:14:47,000 --> 00:14:52,200 Suze: growth spreads across financials, industrials, these are different areas of 241 00:14:52,200 --> 00:14:53,380 Suze: the market, all right? 242 00:14:54,219 --> 00:15:00,700 Suze: Financials, industrials, consumer spending, what else? Material, maybe, health care, 243 00:15:00,900 --> 00:15:06,599 Suze: small companies, value stocks, that tells me something very important. 244 00:15:07,140 --> 00:15:11,219 Suze: It tells me that this is not a fragile market, 245 00:15:11,659 --> 00:15:15,090 Suze: but this actually is a healthy one. 246 00:15:16,270 --> 00:15:18,789 Suze: Now, the other day, I went in and I have 247 00:15:18,789 --> 00:15:23,750 Suze: a CD somewhere, and it came due, and the person 248 00:15:23,750 --> 00:15:26,059 Suze: that I like dealing with was saying to me, Suze, 249 00:15:26,900 --> 00:15:29,580 Suze: do you want to renew for another three months, six months, 250 00:15:29,659 --> 00:15:33,669 Suze: one year, whatever it is, and I personally decided, all right, 251 00:15:33,780 --> 00:15:36,539 Suze: I'm going to renew for one for six months and 252 00:15:36,539 --> 00:15:41,450 Suze: then one for 12 months because it's possible interest rates 253 00:15:41,450 --> 00:15:44,700 Suze: are going to continue lower. Do I know if they're 254 00:15:44,700 --> 00:15:48,239 Suze: going to go lower or not? No. Do I understand 255 00:15:48,659 --> 00:15:51,380 Suze: anything about what the feds are going to do? Who 256 00:15:51,380 --> 00:15:55,059 Suze: even controls the feds? Do I understand any of that anymore? No. 257 00:15:55,950 --> 00:16:00,700 Suze: But when I don't know exactly, I split what I do. 258 00:16:01,119 --> 00:16:03,760 Suze: Six months, OK, gave me a little bit higher interest 259 00:16:03,760 --> 00:16:06,559 Suze: rate than a year, but if interest rates go down, 260 00:16:06,640 --> 00:16:08,880 Suze: at least I lock that money up for a year, 261 00:16:08,919 --> 00:16:12,000 Suze: and this was all very short term money. It was 262 00:16:12,000 --> 00:16:15,840 Suze: not long term, not for investment. It was just for 263 00:16:15,840 --> 00:16:16,659 Suze: me to see. 264 00:16:17,210 --> 00:16:19,969 Suze: What's happening, right? Cause as all of you know, we 265 00:16:19,969 --> 00:16:23,609 Suze: sold the island, so we have some money, more money 266 00:16:23,609 --> 00:16:26,409 Suze: to invest, so I just want to see what's really 267 00:16:26,409 --> 00:16:27,849 Suze: happening out there. 268 00:16:28,770 --> 00:16:33,809 Suze: So, yeah, lower interest rates possibly, lower mortgage rates, maybe 269 00:16:33,809 --> 00:16:40,349 Suze: a little bit, lower gas prices, most likely, a weaker dollar, probably, 270 00:16:40,770 --> 00:16:45,239 Suze: but all of that helps companies earn more money. And 271 00:16:45,239 --> 00:16:51,609 Suze: when companies earn more, guess what? Stock prices tend to 272 00:16:51,609 --> 00:16:52,330 Suze: follow now. 273 00:16:53,039 --> 00:16:57,119 Suze: This isn't me speculating. No, this is me just telling 274 00:16:57,119 --> 00:17:03,859 Suze: you what happens in history. Let's begin this investment outlook 275 00:17:04,489 --> 00:17:08,359 Suze: with the Standard and Poor's 500 index. The reason I 276 00:17:08,359 --> 00:17:11,680 Suze: like to start there is because out of all the 277 00:17:11,680 --> 00:17:15,719 Suze: indexes which are compiled of many, many stocks that are 278 00:17:15,719 --> 00:17:19,780 Suze: indicators of is this section going higher, how are we doing. 279 00:17:20,170 --> 00:17:24,849 Suze: I like the Standard and Poor's 500 index, and I 280 00:17:24,849 --> 00:17:29,429 Suze: really thought that last year it would finish at least 281 00:17:29,810 --> 00:17:34,290 Suze: between 7,000 and 7,400 if you remember. It almost got 282 00:17:34,290 --> 00:17:38,050 Suze: there but not quite. On Friday it closed, I think, 283 00:17:38,089 --> 00:17:44,219 Suze: at 6,966. OK, so we were almost there, not quite, but. 284 00:17:44,969 --> 00:17:49,819 Suze: I would not be surprised if in 2026, 285 00:17:50,689 --> 00:17:55,040 Suze: if we saw the Standard and Poor's 500 index hit 286 00:17:55,099 --> 00:17:59,040 Suze: at like 7,600 right in there, I would not be 287 00:17:59,040 --> 00:18:03,359 Suze: surprised if it even went as high as 8,000. However, 288 00:18:03,640 --> 00:18:08,379 Suze: only time will tell. Now, the reason that I like 289 00:18:08,380 --> 00:18:12,420 Suze: that is that the majority of you, if we're right, 290 00:18:12,500 --> 00:18:14,650 Suze: if that happens, and remember it's gonna go up, down, 291 00:18:14,699 --> 00:18:15,859 Suze: it's gonna do its thing. 292 00:18:16,670 --> 00:18:20,359 Suze: A lot of you are invested in the Standard and 293 00:18:20,359 --> 00:18:26,000 Suze: Poor's 500 index through a Standard and Poor's 500 index ETF. 294 00:18:26,599 --> 00:18:31,659 Suze: Whether it's VOO, SPLG, even VTI, which is even more expansive, 295 00:18:31,920 --> 00:18:34,619 Suze: you already are exposed to that. 296 00:18:35,439 --> 00:18:38,150 Suze: So, I like that for you, and the reason that 297 00:18:38,150 --> 00:18:41,680 Suze: I told you over the past year or so, wouldn't 298 00:18:41,680 --> 00:18:44,359 Suze: kill you to have 50% of your money in something 299 00:18:44,359 --> 00:18:47,750 Suze: like VOO, which is an ETF that invests in the 300 00:18:47,750 --> 00:18:51,839 Suze: Standard and Poor's 500 index, or SPLG, same thing. 301 00:18:52,640 --> 00:18:57,880 Suze: And then maybe go deeper into individual stocks that we 302 00:18:57,880 --> 00:19:00,079 Suze: named in the past, and I'll go through those again 303 00:19:00,079 --> 00:19:03,280 Suze: before this session is over. I thought that would give 304 00:19:03,280 --> 00:19:07,899 Suze: you the biggest bang for your buck. So, for me, 305 00:19:08,160 --> 00:19:14,448 Suze: I find this encouraging, and the reason 306 00:19:14,760 --> 00:19:18,880 Suze: that it makes me feel encouraged is because the Standard 307 00:19:18,880 --> 00:19:23,550 Suze: and Poor's 500 is going up without it relying on 308 00:19:23,550 --> 00:19:26,000 Suze: the Magnificent Seven. 309 00:19:26,920 --> 00:19:33,939 Suze: It means again that participation in this stock market is widening, 310 00:19:34,400 --> 00:19:37,079 Suze: and if it's widening in the stock market, it's because 311 00:19:37,079 --> 00:19:42,978 Suze: it's widening in the economy, and that means strength is spreading. 312 00:19:43,520 --> 00:19:48,879 Suze: So when markets broaden like this, I take it as 313 00:19:48,880 --> 00:19:52,560 Suze: a very bullish signal and again for those of you 314 00:19:52,560 --> 00:19:53,500 Suze: who don't know, 315 00:19:54,140 --> 00:19:56,800 Suze: when it's a bull, the market tends to go up. 316 00:19:56,900 --> 00:20:00,119 Suze: When it's a bear, the market tends to go down 317 00:20:00,119 --> 00:20:05,219 Suze: because you get eaten. But I'm feeling positive about it, 318 00:20:05,300 --> 00:20:09,359 Suze: just so you know. We all have to be very 319 00:20:09,359 --> 00:20:13,920 Suze: clear about something here, and I wanna talk about technology 320 00:20:13,920 --> 00:20:16,359 Suze: and artificial intelligence. 321 00:20:17,560 --> 00:20:20,770 Suze: I'm going to say it over and over again, just 322 00:20:20,770 --> 00:20:25,410 Suze: like I do most things in life. Artificial intelligence is 323 00:20:25,410 --> 00:20:26,310 Suze: not a trend. 324 00:20:27,550 --> 00:20:30,430 Suze: It is a transformation. 325 00:20:31,839 --> 00:20:33,199 Suze: Do you hear that? 326 00:20:34,000 --> 00:20:41,160 Suze: The semiconductor sector, which is the backbone of AI, it's 327 00:20:41,160 --> 00:20:48,339 Suze: those little chips and things that run everything, they remain essential. 328 00:20:49,020 --> 00:20:53,280 Suze: So these companies are no longer optional, they are the 329 00:20:53,280 --> 00:20:57,599 Suze: infrastructure of everything that is happening out there. 330 00:20:58,140 --> 00:21:00,670 Suze: And as I said a minute ago, now that we're 331 00:21:00,670 --> 00:21:04,849 Suze: seeing this strength expand beyond just those biggest names into 332 00:21:05,069 --> 00:21:10,010 Suze: other things like memory, analog chips, equipment makers, all of that. 333 00:21:10,979 --> 00:21:16,150 Suze: Again, I'm gonna go back to, if you own broad-based 334 00:21:16,150 --> 00:21:20,790 Suze: market funds such as the Standard and Poor's 500, which 335 00:21:20,790 --> 00:21:25,660 Suze: I already talked to you about, you already own this theme, 336 00:21:25,869 --> 00:21:30,020 Suze: cause the top holdings of the Standard and Poor's 500 337 00:21:30,020 --> 00:21:34,430 Suze: are the stocks, and again, that's exactly how most of 338 00:21:34,430 --> 00:21:37,270 Suze: you should be invested. 339 00:21:38,760 --> 00:21:41,109 Suze: But a lot of you are saying, Suze, how can 340 00:21:41,109 --> 00:21:45,520 Suze: this be true? I can't afford rent, I can't afford 341 00:21:45,520 --> 00:21:49,500 Suze: to buy a home. I can't afford to buy food. 342 00:21:49,719 --> 00:21:53,439 Suze: I can't afford to do all of these things. I 343 00:21:53,439 --> 00:21:54,819 Suze: understand that very well. 344 00:21:55,359 --> 00:21:59,290 Suze: And I understand that unemployment's a little crazy here. I 345 00:21:59,290 --> 00:22:02,449 Suze: understand inflation did not do what we wanted. I get 346 00:22:02,449 --> 00:22:05,250 Suze: that things are going up higher. I get that we 347 00:22:05,250 --> 00:22:07,530 Suze: don't even get as much for our money when we 348 00:22:07,530 --> 00:22:10,948 Suze: go out. Do you know, I love Taco Bell? Listen, 349 00:22:11,079 --> 00:22:13,010 Suze: I just love Taco Bell, and I don't have any 350 00:22:13,010 --> 00:22:16,239 Suze: problems saying it. And my favorite thing when I do 351 00:22:16,239 --> 00:22:18,688 Suze: get to go to Taco Bell, cause it's always a treat, 352 00:22:19,130 --> 00:22:22,750 Suze: is a bean burrito without cheese. So the other day, 353 00:22:23,560 --> 00:22:26,640 Suze: we were out, and I said, KT, let's go to 354 00:22:26,640 --> 00:22:30,560 Suze: Taco Bell. She said, OK, right? And we go to 355 00:22:30,560 --> 00:22:34,199 Suze: Taco Bell, I get my usual bean burrito without cheese, 356 00:22:34,239 --> 00:22:37,780 Suze: like I just told you. Now, I've been doing this 357 00:22:38,239 --> 00:22:43,400 Suze: for probably almost 40 years now, just so you know. 358 00:22:44,150 --> 00:22:48,060 Suze: And I know the size of a bean burrito. Not 359 00:22:48,060 --> 00:22:52,420 Suze: only was it more expensive than normal, but the size 360 00:22:52,420 --> 00:22:58,359 Suze: of it was, I swear, 25% littler than what a 361 00:22:58,359 --> 00:23:00,400 Suze: normal one would have been. 362 00:23:01,069 --> 00:23:04,030 Suze: And I'm like, oh well, that's great, you know, even 363 00:23:04,030 --> 00:23:07,399 Suze: if they're charging the same, they're giving less. So, I 364 00:23:07,400 --> 00:23:10,280 Suze: understand very well that the struggle that many of you 365 00:23:10,280 --> 00:23:12,219 Suze: are going through personally. 366 00:23:13,010 --> 00:23:15,060 Suze: And that is also what we try to deal with 367 00:23:15,060 --> 00:23:17,719 Suze: on the Women in Money podcast. However, 368 00:23:18,780 --> 00:23:21,079 Suze: Even if that is true. 369 00:23:22,280 --> 00:23:25,880 Suze: That doesn't mean that the markets 370 00:23:26,520 --> 00:23:31,170 Suze: aren't strong. Why is that? Because I have to tell you, 371 00:23:31,630 --> 00:23:34,919 Suze: regardless of how hard it is out there, what I 372 00:23:34,920 --> 00:23:39,300 Suze: don't understand is if it is so hard on you, 373 00:23:39,640 --> 00:23:44,359 Suze: why is the consumer still spending? I don't know. I 374 00:23:44,359 --> 00:23:46,439 Suze: don't know where that money is coming from. Are they 375 00:23:46,439 --> 00:23:49,478 Suze: putting it on their credit cards? Probably. I don't quite 376 00:23:49,479 --> 00:23:50,050 Suze: get it. 377 00:23:50,810 --> 00:23:55,449 Suze: But they are still out there, so the American consumer 378 00:23:55,449 --> 00:24:01,530 Suze: has not disappeared. And what's interesting is I find that 379 00:24:01,530 --> 00:24:09,920 Suze: probably investing in consumer discretionary stocks or ETFs more than 380 00:24:09,920 --> 00:24:12,229 Suze: traditional consumer staples 381 00:24:12,959 --> 00:24:18,800 Suze: is probably the way to go. What is a consumer discretionary, everybody? 382 00:24:19,079 --> 00:24:22,280 Suze: It's when the consumer has money, 383 00:24:22,959 --> 00:24:25,089 Suze: and they go out and they buy things that they 384 00:24:25,089 --> 00:24:31,550 Suze: don't absolutely need. It's at their discretion. A consumer staple 385 00:24:31,729 --> 00:24:33,810 Suze: is when you go out there and you have to 386 00:24:33,810 --> 00:24:37,968 Suze: buy toothpaste or whatever it is, it's something that you 387 00:24:37,969 --> 00:24:44,669 Suze: absolutely need. Now, there are incredibly strong consumer staple names 388 00:24:44,849 --> 00:24:48,488 Suze: like Procter and Gamble, and Walmart and Costco. I don't 389 00:24:48,489 --> 00:24:50,109 Suze: have a problem if you own those. 390 00:24:50,849 --> 00:24:59,479 Suze: However, there are also incredibly strong consumer discretionary stocks like Amazon, Tesla, 391 00:24:59,739 --> 00:25:04,300 Suze: Home Depot, things like that. For those of you who 392 00:25:04,300 --> 00:25:09,180 Suze: like ETFs better, exchange traded funds better than individual stocks, 393 00:25:09,660 --> 00:25:12,659 Suze: all right, consumer discretionary is XLY. 394 00:25:13,959 --> 00:25:21,188 Suze: Consumer staples are XLP, OK, if you even wanna venture there, 395 00:25:21,430 --> 00:25:27,050 Suze: but that's something that's possible. So this isn't about chasing things. 396 00:25:27,469 --> 00:25:32,869 Suze: This is about recognizing where everything is shifting to, and 397 00:25:32,869 --> 00:25:37,729 Suze: believe it or not, that's where it's shifting. Financials. 398 00:25:38,810 --> 00:25:41,650 Suze: I said this before, a little bit ago, but I 399 00:25:41,650 --> 00:25:47,188 Suze: have to tell you, I think banks are benefiting from AI, 400 00:25:47,689 --> 00:25:51,649 Suze: from all the scale, from efficiency of how they're doing everything, 401 00:25:51,890 --> 00:25:52,930 Suze: so therefore, 402 00:25:54,030 --> 00:25:57,639 Suze: Is it possible that there's money to be made in 403 00:25:57,640 --> 00:26:03,540 Suze: buying the ETFs that invest in big banks, symbol BKX 404 00:26:03,920 --> 00:26:09,859 Suze: or regional symbol for the ETF there is KRE. Very possible. So, 405 00:26:09,959 --> 00:26:12,719 Suze: it's another area that's just a little bit of a 406 00:26:12,719 --> 00:26:17,859 Suze: diversification away from AI and things like that. 407 00:26:18,630 --> 00:26:23,630 Suze: You gotta look at right now, the industrials and the 408 00:26:23,630 --> 00:26:28,790 Suze: transportation stocks. Think about this, industrial stocks, what our industry 409 00:26:28,790 --> 00:26:30,959 Suze: here is made up of. 410 00:26:31,910 --> 00:26:39,369 Suze: Transportation, how everything moves, all of those have hit new highs, 411 00:26:39,550 --> 00:26:41,810 Suze: and that tells me one thing. 412 00:26:42,469 --> 00:26:48,270 Suze: That economic activity is still moving just that simple. 413 00:26:49,479 --> 00:26:51,879 Suze: Next, let's talk about energy. 414 00:26:52,699 --> 00:26:58,339 Suze: Energy is very interesting here and a little bit difficult, however, 415 00:26:58,900 --> 00:27:05,390 Suze: I personally like utilities versus energy. While it's true that 416 00:27:05,390 --> 00:27:09,260 Suze: maybe we'll see oil and everything around 50, maybe even 417 00:27:09,260 --> 00:27:12,660 Suze: lower and then some, you know, companies are gonna benefit 418 00:27:12,660 --> 00:27:17,660 Suze: from it. Just for an overall view, I'm favoring the 419 00:27:17,660 --> 00:27:22,359 Suze: ETF XLU. These are symbols that I'm giving you, everybody... 420 00:27:22,890 --> 00:27:29,910 Suze: Over XLE, which was the energy ETF, and for a 421 00:27:29,910 --> 00:27:34,119 Suze: long time I liked the Energy ETF XLE. We started 422 00:27:34,119 --> 00:27:36,079 Suze: buying it, by the way, in March, I think it 423 00:27:36,079 --> 00:27:39,199 Suze: was of 2020, and we made a lot of money 424 00:27:39,199 --> 00:27:42,560 Suze: on that. But right now, if you're looking for other 425 00:27:42,560 --> 00:27:46,739 Suze: things to do, I'm just telling you I like utilities 426 00:27:47,119 --> 00:27:50,800 Suze: more than energy, but that's just me. 427 00:27:51,469 --> 00:27:52,839 Suze: Next, health care. 428 00:27:53,800 --> 00:27:57,438 Suze: Health care, believe it or not, is back and listen 429 00:27:57,439 --> 00:28:02,139 Suze: to me, everybody, because this matters to every one of you. 430 00:28:02,599 --> 00:28:08,919 Suze: Health care has quietly rebuilt itself. It's strong. Major health 431 00:28:08,920 --> 00:28:14,400 Suze: care indexes are approaching new highs. Big insurers, believe it 432 00:28:14,400 --> 00:28:16,300 Suze: or not, are stabilizing. 433 00:28:17,020 --> 00:28:22,829 Suze: And I told you this again before, biotech, yeah, biotech 434 00:28:22,829 --> 00:28:27,910 Suze: is beginning once again to show opportunity, and I told 435 00:28:27,910 --> 00:28:35,189 Suze: all of you to purchase the ETF XBI and, you know, 436 00:28:35,300 --> 00:28:38,630 Suze: it may be my favorite ETF of all. 437 00:28:39,469 --> 00:28:43,349 Suze: Right now, it just might be. So, when it starts 438 00:28:43,349 --> 00:28:47,989 Suze: to dip, that is when you want to buy. Now, 439 00:28:48,150 --> 00:28:50,390 Suze: let me just give you individual things cause I know 440 00:28:50,390 --> 00:28:53,469 Suze: you're saying, but Suze, do you still like Palantir? Do 441 00:28:53,469 --> 00:28:58,569 Suze: you still like IONQ? Yes, of course I do. Palantir, 442 00:28:58,910 --> 00:28:59,650 Suze: long term. 443 00:29:00,209 --> 00:29:03,290 Suze: It's something you want a dollar cost average into, and 444 00:29:03,290 --> 00:29:06,369 Suze: when it's taken down by the idiots out there, you 445 00:29:06,369 --> 00:29:10,569 Suze: might wanna buy more. So, I still like Palantir, I 446 00:29:10,569 --> 00:29:15,770 Suze: still like IONQ. I still like SMH, the ETF for 447 00:29:15,770 --> 00:29:20,060 Suze: semis at $389 like it, I think it should be bought. 448 00:29:20,449 --> 00:29:24,229 Suze: I like those things a lot. I like Nvidia. 449 00:29:25,270 --> 00:29:28,939 Suze: I like almost everything that I've told you about. I 450 00:29:28,939 --> 00:29:33,030 Suze: even like Amazon. I really do. I also like the 451 00:29:33,030 --> 00:29:37,390 Suze: ETF QQQ at 626. Don't be surprised if it ended 452 00:29:37,390 --> 00:29:41,650 Suze: the year around 760. So these are all things that 453 00:29:41,650 --> 00:29:45,750 Suze: I really like, but here's what's really important. 454 00:29:47,410 --> 00:29:51,109 Suze: I would not be afraid right now. Do not let 455 00:29:51,109 --> 00:29:55,420 Suze: what's going on in this world scare you out of 456 00:29:55,420 --> 00:29:59,339 Suze: making your money, make more money. I get it's not 457 00:29:59,339 --> 00:30:02,500 Suze: great when something goes down dramatically. 458 00:30:03,729 --> 00:30:07,640 Suze: But look at it as an opportunity versus a loss. 459 00:30:07,930 --> 00:30:12,599 Suze: You only lose when you've sold something. If you own something, 460 00:30:12,969 --> 00:30:16,469 Suze: and you still like what they're doing, you like their earnings, 461 00:30:16,670 --> 00:30:18,930 Suze: you like the company, you like where it can go 462 00:30:18,930 --> 00:30:23,890 Suze: in the future, just hold on. So, here's what I 463 00:30:23,890 --> 00:30:25,890 Suze: really want you all to remember. 464 00:30:26,619 --> 00:30:30,300 Suze: You do not need to trade to make money. You 465 00:30:30,300 --> 00:30:34,540 Suze: do not need to predict. You do not need to panic. 466 00:30:34,699 --> 00:30:39,459 Suze: Do you hear me? Here is what you need. You 467 00:30:39,459 --> 00:30:44,380 Suze: need diversification. You need patience, and you need a long 468 00:30:44,380 --> 00:30:46,900 Suze: term plan that you can stick with. 469 00:30:47,979 --> 00:30:52,459 Suze: Because when the market's broaden like they're doing now, costs 470 00:30:52,459 --> 00:30:56,079 Suze: come down, and when costs come down, guess what happens, 471 00:30:56,099 --> 00:31:02,839 Suze: everybody earnings improve. This isn't fear this is opportunity and 472 00:31:02,849 --> 00:31:06,500 Suze: as always I've told you, you wanna find the best 473 00:31:06,500 --> 00:31:09,699 Suze: financial adviser in the world, look in the mirror. 474 00:31:10,229 --> 00:31:13,060 Suze: Because what happens to your money directly affects the quality 475 00:31:13,060 --> 00:31:17,089 Suze: of your life, not a financial advisor's life, not my life, 476 00:31:17,260 --> 00:31:20,619 Suze: nobody's life but your own, and this is everything that 477 00:31:20,619 --> 00:31:25,160 Suze: you can learn and know what to do. It's just 478 00:31:25,160 --> 00:31:30,579 Suze: that simple overall, just a few more things, which is 479 00:31:30,579 --> 00:31:31,500 Suze: real estate. 480 00:31:32,089 --> 00:31:34,939 Suze: I do think depending on where you live, real estate 481 00:31:34,939 --> 00:31:37,739 Suze: prices might go up a little bit. I don't think 482 00:31:37,739 --> 00:31:41,300 Suze: you're gonna see the total escalation as you saw in 483 00:31:41,300 --> 00:31:44,500 Suze: the past years. So it's starting to be more of 484 00:31:44,500 --> 00:31:49,579 Suze: a buyer's market, in my opinion. Mortgage rates very possibly 485 00:31:49,579 --> 00:31:52,310 Suze: will come down to around 5.9%. 486 00:31:52,619 --> 00:31:54,790 Suze: And many of the people who have been hanging on 487 00:31:54,790 --> 00:31:58,349 Suze: to their homes simply because they have a 2 or 3% 488 00:31:58,349 --> 00:32:02,050 Suze: interest rate may realize they're never gonna see 2 or 3% again, 489 00:32:02,310 --> 00:32:05,989 Suze: so they may start to move rents, because many places 490 00:32:05,989 --> 00:32:10,589 Suze: are building more and more rental things. Rents could probably 491 00:32:10,589 --> 00:32:14,510 Suze: be negotiated, something for you to think about if you're 492 00:32:14,510 --> 00:32:18,630 Suze: renewing a lease where you are renting. Bitcoin. 493 00:32:19,020 --> 00:32:23,910 Suze: Bitcoin up, down, just hold on for dear life. Its 494 00:32:23,910 --> 00:32:28,260 Suze: future is there, it's not quite there yet, but just 495 00:32:28,260 --> 00:32:31,819 Suze: if you're doing it, hold on again. I like buying 496 00:32:31,819 --> 00:32:36,300 Suze: Bitcoin through the ETF iBit, IBIT. A lot of people 497 00:32:36,300 --> 00:32:39,079 Suze: buy it directly. There's all kinds of ways to buy it. 498 00:32:39,579 --> 00:32:42,489 Suze: It's a way that you can participate if you want. 499 00:32:43,060 --> 00:32:46,060 Suze: Gold and silver, I don't know. 500 00:32:46,579 --> 00:32:49,930 Suze: I don't know, they've gone up dramatically here. Maybe they'll 501 00:32:49,930 --> 00:32:53,260 Suze: go up more, maybe not. Again, if you want a 502 00:32:53,260 --> 00:32:56,660 Suze: little bit of your portfolio in there, OK, I favor Bitcoin, 503 00:32:56,739 --> 00:32:59,760 Suze: by the way, over gold or silver, but it's just, 504 00:32:59,920 --> 00:33:02,619 Suze: if you're gonna buy gold, can you just do me 505 00:33:02,619 --> 00:33:06,479 Suze: a favor? Don't buy the actual commodity itself. 506 00:33:07,719 --> 00:33:11,130 Suze: Once you own the actual commodity, somebody can steal it. 507 00:33:11,989 --> 00:33:13,680 Suze: If you go to sell it, can you just tell 508 00:33:13,680 --> 00:33:15,640 Suze: me how you're gonna sell it? You have to go 509 00:33:15,640 --> 00:33:17,920 Suze: have it re-assayed to make sure that you didn't drill 510 00:33:17,920 --> 00:33:21,449 Suze: out the middle of the bar. It's not that easy. 511 00:33:21,520 --> 00:33:24,479 Suze: You wanna buy a few coins? OK. But if you 512 00:33:24,479 --> 00:33:28,079 Suze: really wanna do it, then buy an ETF GLD or 513 00:33:28,079 --> 00:33:31,800 Suze: whatever it may be. Just know, I think there's better 514 00:33:31,800 --> 00:33:33,959 Suze: money to be made elsewhere. 515 00:33:34,380 --> 00:33:38,859 Suze: I personally still love dividend paying stocks that will pay 516 00:33:38,859 --> 00:33:42,530 Suze: you income, I think as time goes on, the way, 517 00:33:42,819 --> 00:33:47,060 Suze: especially if you are in retirement years, is not to 518 00:33:47,060 --> 00:33:50,939 Suze: necessarily buy bonds, and that's how you invest when you 519 00:33:50,939 --> 00:33:52,119 Suze: get older, no. 520 00:33:52,790 --> 00:33:55,339 Suze: As time goes on and you are older and you're 521 00:33:55,339 --> 00:33:59,810 Suze: looking for income, dividend paying stocks that are good quality, 522 00:33:59,989 --> 00:34:02,510 Suze: that pay you a good dividend along with some of 523 00:34:02,510 --> 00:34:06,349 Suze: your money invested purely for growth, that will be your 524 00:34:06,349 --> 00:34:10,408 Suze: key to be able to sustain yourself when it comes 525 00:34:10,409 --> 00:34:14,870 Suze: to retirement. So, there are so many more things that 526 00:34:14,870 --> 00:34:16,830 Suze: I can talk to you about, but that's why we 527 00:34:16,830 --> 00:34:17,919 Suze: have another year 528 00:34:18,539 --> 00:34:20,658 Suze: of the Women in Money podcast, and I don't have 529 00:34:20,658 --> 00:34:25,377 Suze: to do it all at once. All right. So, until 530 00:34:25,378 --> 00:34:28,299 Suze: Thursday when Miss Travis joins us again. 531 00:34:29,040 --> 00:34:33,600 Suze: And tonight is another episode of Landman. In fact, it's 532 00:34:33,600 --> 00:34:37,959 Suze: probably on right now. If you haven't watched that series, 533 00:34:38,199 --> 00:34:41,800 Suze: you might wanna watch it. One of our favorite things 534 00:34:41,800 --> 00:34:47,040 Suze: that we have seen. OK. Until next Thursday, there's only 535 00:34:47,040 --> 00:34:48,959 Suze: one thing that I want you to remember, and it 536 00:34:48,959 --> 00:34:54,219 Suze: is this people first, then money, then things. Now you 537 00:34:54,520 --> 00:34:56,759 Suze: stay safe. Bye-bye.