1 00:00:00,009 --> 00:00:05,369 Suze: April 4th, 2025. Welcome everybody to one of the first 2 00:00:05,369 --> 00:00:09,470 Suze: Suze Pop-Ups. A pop up is where I really want 3 00:00:09,470 --> 00:00:12,560 Suze: you to know something right now. I don't want you 4 00:00:12,560 --> 00:00:15,149 Suze: to have to wait till a Thursday or a Sunday. 5 00:00:15,319 --> 00:00:18,760 Suze: I want you to know right now. And given that 6 00:00:18,760 --> 00:00:22,590 Suze: I'm not in my studio, Sunday, as you will hear, 7 00:00:22,680 --> 00:00:26,719 Suze: is not a normal Suze School, but one that's really, 8 00:00:26,840 --> 00:00:27,879 Suze: really important. 9 00:00:28,219 --> 00:00:32,098 Suze: But here's what I want you to know right now. Listen, 10 00:00:32,180 --> 00:00:34,769 Suze: I get it. I know many of you are afraid 11 00:00:34,770 --> 00:00:37,790 Suze: of what's happening in the economy and the stock market. 12 00:00:38,529 --> 00:00:43,689 Suze: And I cannot blame you. Please listen to me closely now. 13 00:00:43,939 --> 00:00:47,299 Suze: I have posted this also on the Women and Money 14 00:00:47,299 --> 00:00:50,540 Suze: Community app, but I know that many of you don't 15 00:00:50,540 --> 00:00:53,900 Suze: use that app, which is why I am doing a 16 00:00:53,900 --> 00:00:59,240 Suze: Suze Pop-Up just for you. So here's my take, everybody. 17 00:00:59,919 --> 00:01:03,310 Suze: We are looking obviously at another down day for the 18 00:01:03,310 --> 00:01:07,739 Suze: markets today, and you have to ask yourself why, why 19 00:01:07,739 --> 00:01:11,750 Suze: are the markets continuing to go down, and truthfully I'm 20 00:01:11,750 --> 00:01:16,580 Suze: sorry to say the answer is very easy because number one, 21 00:01:16,709 --> 00:01:18,480 Suze: China has retaliated. 22 00:01:19,290 --> 00:01:25,139 Suze: They have put on retaliated tariffs, and that has gotten 23 00:01:25,139 --> 00:01:29,569 Suze: the investors on edge. Therefore, the markets are projected to 24 00:01:29,569 --> 00:01:32,809 Suze: go lower as a result. Now I know that many 25 00:01:32,809 --> 00:01:36,759 Suze: of you, do you have your Suze notebooks out? You should. Anyway, 26 00:01:37,089 --> 00:01:40,000 Suze: I know that many of you are dollar cost averaging. 27 00:01:40,089 --> 00:01:42,370 Suze: You're thinking, oh, the markets are going down. This is 28 00:01:42,370 --> 00:01:44,128 Suze: the time for me to buy. I'm going to get 29 00:01:44,129 --> 00:01:47,330 Suze: a bargain, whatever. Now that's still OK. All right. 30 00:01:48,120 --> 00:01:51,589 Suze: But you have to hear me on this. If you 31 00:01:51,589 --> 00:01:55,069 Suze: are going to continue with that strategy right now, you 32 00:01:55,069 --> 00:01:59,750 Suze: are to do it with seriously tiny amounts. Have you 33 00:01:59,750 --> 00:02:03,500 Suze: ever heard the saying, Don't catch a falling knife? 34 00:02:03,970 --> 00:02:08,279 Suze: This might be a falling knife because we don't know 35 00:02:08,690 --> 00:02:12,770 Suze: how other countries are going to react. There's time to 36 00:02:12,770 --> 00:02:15,089 Suze: get in. It's not like if these markets start to 37 00:02:15,089 --> 00:02:17,130 Suze: go up again that they're going to go all the 38 00:02:17,130 --> 00:02:20,970 Suze: way back up to the top. You have time, so 39 00:02:20,970 --> 00:02:23,690 Suze: this is not where I want you to be aggressive 40 00:02:23,690 --> 00:02:26,410 Suze: and go, I've gotten in at the bottom. So no 41 00:02:26,410 --> 00:02:29,079 Suze: bottom fishing here. Do you hear me? 42 00:02:29,538 --> 00:02:33,910 Suze: Because in my opinion we're seeing signs, and to me 43 00:02:33,910 --> 00:02:40,199 Suze: this feels a lot like 2022 where it's volatile, it's emotional, 44 00:02:40,229 --> 00:02:41,300 Suze: it's uncertain. 45 00:02:42,070 --> 00:02:48,059 Suze: So I want you to breathe. Markets obviously will eventually recover, 46 00:02:48,270 --> 00:02:51,830 Suze: but not all at once. It's impossible now because they 47 00:02:51,830 --> 00:02:56,899 Suze: have gone down too much, too fast, and they're down here. 48 00:02:57,389 --> 00:03:00,669 Suze: And if these tariffs stay in place, it's going to 49 00:03:00,669 --> 00:03:03,788 Suze: take a long, long time. 50 00:03:04,279 --> 00:03:08,119 Suze: So remember, money you have in the market should have 51 00:03:08,119 --> 00:03:10,910 Suze: been money as I've told you over and over again 52 00:03:10,910 --> 00:03:13,470 Suze: is money that you did not need for at least 53 00:03:13,470 --> 00:03:18,758 Suze: 5 years. So just let this play out and stay calm. 54 00:03:19,440 --> 00:03:22,679 Suze: If you are contributing to a retirement account, especially an 55 00:03:22,679 --> 00:03:26,509 Suze: employer retirement account, I am begging you not to stop 56 00:03:26,508 --> 00:03:31,359 Suze: your monthly contributions. Just stay the course, especially if you 57 00:03:31,360 --> 00:03:36,750 Suze: have 5, 10, 15 years or longer. Keep investing steadily 58 00:03:37,240 --> 00:03:42,199 Suze: because consistency, I am promising you, is your power. It's 59 00:03:42,199 --> 00:03:46,880 Suze: your secret weapon. Let's talk about fear which all of 60 00:03:46,880 --> 00:03:48,360 Suze: you are having right now. 61 00:03:48,750 --> 00:03:52,110 Suze: The VIX, remember me telling you about the VIX. It's 62 00:03:52,110 --> 00:03:59,080 Suze: a measure of market volatility. Well, it just surpassed 45, 63 00:03:59,330 --> 00:04:02,520 Suze: and that number means that it's the highest that it's 64 00:04:02,520 --> 00:04:06,770 Suze: been since the spike in August. When the VIX is 65 00:04:06,770 --> 00:04:14,449 Suze: this high, it means fear is absolutely overwhelming logic and historically. 66 00:04:15,130 --> 00:04:19,649 Suze: When sentiment is this fearful, it is not the time 67 00:04:19,649 --> 00:04:23,070 Suze: to sell, so just stay put right now. Now this 68 00:04:23,070 --> 00:04:26,730 Suze: doesn't mean that the market can't bounce, because even in 69 00:04:26,730 --> 00:04:30,010 Suze: the middle of a down trend, it can bounce but 70 00:04:30,010 --> 00:04:35,329 Suze: just don't react emotionally. But you know there are bright 71 00:04:35,329 --> 00:04:38,160 Suze: spots here that I want you to be aware of. 72 00:04:38,769 --> 00:04:41,969 Suze: Bond yields are absolutely collapsing. 73 00:04:42,649 --> 00:04:46,600 Suze: So if you've got bonds, your portfolio may be back 74 00:04:46,600 --> 00:04:50,118 Suze: to even or even showing gains. Remember a long time 75 00:04:50,119 --> 00:04:53,190 Suze: ago I had many of you buy 20 year bonds, 76 00:04:53,559 --> 00:04:57,279 Suze: 10 year bonds, or longer term bonds, and you were 77 00:04:57,279 --> 00:05:00,399 Suze: also upset because interest rates continued to go up and 78 00:05:00,399 --> 00:05:02,399 Suze: the value of those bonds went down. 79 00:05:02,799 --> 00:05:06,670 Suze: Well, you're either even now or you are making money 80 00:05:06,670 --> 00:05:11,880 Suze: just that simple. There's always a silver lining somewhere if 81 00:05:11,880 --> 00:05:16,230 Suze: you are diversified in your holdings. Now listen to me. 82 00:05:16,359 --> 00:05:21,190 Suze: The 10 year treasury as I'm recording this is below 4%. 83 00:05:21,440 --> 00:05:24,308 Suze: It's at 3.8%. 84 00:05:24,670 --> 00:05:28,630 Suze: Now that's great news for mortgages. It's great news for 85 00:05:28,630 --> 00:05:34,070 Suze: many things, but you might be thinking about refinancing sooner 86 00:05:34,070 --> 00:05:40,190 Suze: than later. Now, obviously when interest rates are going down, 87 00:05:40,709 --> 00:05:45,029 Suze: interest rates everywhere are going to go down. 88 00:05:45,428 --> 00:05:47,738 Suze: And I've said it before and I'm going to say 89 00:05:47,738 --> 00:05:50,089 Suze: it again, but you've got to listen to me right 90 00:05:50,089 --> 00:05:53,769 Suze: now and take action today when you are hearing this, 91 00:05:53,940 --> 00:05:56,790 Suze: if you want your money to be safe and sound. 92 00:05:57,339 --> 00:06:03,019 Suze: My favorite CD is the Alliant Credit Union CD, and 93 00:06:03,019 --> 00:06:05,660 Suze: interest rates at Alliant are not going to last, in 94 00:06:05,660 --> 00:06:09,790 Suze: my opinion. I give it at most one more week, 95 00:06:09,859 --> 00:06:10,339 Suze: all right. 96 00:06:11,049 --> 00:06:15,040 Suze: Now one year treasuries are at 3.8%. 97 00:06:15,880 --> 00:06:20,769 Suze: Two year treasuries as I'm recording are at 3.6%. 98 00:06:21,690 --> 00:06:24,200 Suze: That's why I want you to take advantage. I don't 99 00:06:24,200 --> 00:06:27,230 Suze: make money if you do this, everybody. I want you 100 00:06:27,230 --> 00:06:30,390 Suze: to make more out of your money. So if you 101 00:06:30,390 --> 00:06:33,190 Suze: want to keep money safe and sound right now, you 102 00:06:33,190 --> 00:06:36,519 Suze: have to take advantage of the 12 to 17 month 103 00:06:36,519 --> 00:06:40,269 Suze: CD at .com. 104 00:06:40,950 --> 00:06:50,099 Suze: They're at 4.25% APR for amounts of $1000 to $74,999 105 00:06:50,549 --> 00:06:58,828 Suze: and 4.3% APR for $75,000 and up. That is a 106 00:06:58,829 --> 00:07:04,570 Suze: big difference than what treasuries are paying. So seriously for 107 00:07:04,570 --> 00:07:05,390 Suze: safe money. 108 00:07:05,970 --> 00:07:08,410 Suze: You might want to take advantage of it right now 109 00:07:08,410 --> 00:07:11,239 Suze: cause that rate is incredible and I don't want you 110 00:07:11,239 --> 00:07:12,649 Suze: to miss out on it. 111 00:07:13,369 --> 00:07:15,600 Suze: Now the dollar is weak. 112 00:07:16,399 --> 00:07:18,980 Suze: So if you're thinking about traveling to Europe or doing 113 00:07:18,980 --> 00:07:21,250 Suze: things like that, now is not the time. 114 00:07:21,660 --> 00:07:25,339 Suze: Gold, however, and I told you a while ago, I 115 00:07:25,339 --> 00:07:29,459 Suze: want you to be investing in gold. Gold has soared. 116 00:07:29,500 --> 00:07:32,420 Suze: At one point it was almost $3,200 an ounce. It's 117 00:07:32,420 --> 00:07:36,739 Suze: back at $3,065 but it is turning out to be 118 00:07:36,739 --> 00:07:40,820 Suze: the safe haven. Bitcoin is not holding up as a 119 00:07:40,820 --> 00:07:44,690 Suze: safe haven, for when things like this is happening, gold 120 00:07:44,690 --> 00:07:46,260 Suze: is still the safe haven. 121 00:07:47,309 --> 00:07:50,149 Suze: If you have been considering Roth conversions, a lot of 122 00:07:50,149 --> 00:07:51,869 Suze: you are like, Oh, I want to put some money 123 00:07:51,869 --> 00:07:55,019 Suze: in a Roth. I have it in a traditional retirement account, 124 00:07:55,059 --> 00:07:57,700 Suze: and I want to do a Roth. Maybe it's time 125 00:07:57,869 --> 00:08:01,200 Suze: to start doing that slowly, a little bit at a time, 126 00:08:01,350 --> 00:08:06,549 Suze: and take advantage of these down markets. Remember when you 127 00:08:06,549 --> 00:08:10,190 Suze: convert from a traditional to a Roth retirement account, you 128 00:08:10,190 --> 00:08:14,190 Suze: owe taxes on whatever your portfolio or the amount you're 129 00:08:14,190 --> 00:08:15,829 Suze: converting is at the time. 130 00:08:16,450 --> 00:08:21,480 Suze: When markets are going down, your portfolio value is going down, 131 00:08:21,890 --> 00:08:26,809 Suze: and that's the time to convert. WTI crude, I have 132 00:08:26,809 --> 00:08:30,519 Suze: to tell you now, has dropped sharply, and I mean 133 00:08:30,519 --> 00:08:35,840 Suze: sharply below its long term support near $65 per barrel. 134 00:08:36,380 --> 00:08:42,119 Suze: And if this breakdown holds, it could head towards $45 135 00:08:42,119 --> 00:08:45,598 Suze: a barrel, and that is a major shift in oil, 136 00:08:45,809 --> 00:08:50,200 Suze: and you will absolutely see that at your pump. As 137 00:08:50,200 --> 00:08:52,770 Suze: for the stock market, I'm just going to reiterate one 138 00:08:52,770 --> 00:08:57,489 Suze: more time. I want you to stay diversified. Now is 139 00:08:57,489 --> 00:09:01,450 Suze: not the time to bottom fish. Don't get angry at anybody. 140 00:09:01,570 --> 00:09:05,650 Suze: Don't blame this. Just, just stay smart. Stay calm. 141 00:09:06,099 --> 00:09:09,289 Suze: And this is when the dividend paying stocks, everybody that 142 00:09:09,289 --> 00:09:13,919 Suze: I was telling you about can really help stabilize your portfolio. 143 00:09:14,130 --> 00:09:17,010 Suze: I looked at all my dividend paying stocks where I 144 00:09:17,010 --> 00:09:19,010 Suze: have a lot of money in them, and I am 145 00:09:19,010 --> 00:09:24,489 Suze: only down from the beginning of the year 0.5%, and 146 00:09:24,489 --> 00:09:28,890 Suze: I'm getting the dividend. So companies like AT&T, Verizon, and 147 00:09:28,890 --> 00:09:33,049 Suze: so forth, they've held up pretty well. So here's the 148 00:09:33,049 --> 00:09:33,969 Suze: bottom line. 149 00:09:34,539 --> 00:09:36,880 Suze: I want you to take this one day at a time. 150 00:09:37,830 --> 00:09:39,940 Suze: I want you to stick together. 151 00:09:40,619 --> 00:09:43,890 Suze: I want you to be kind to yourself. I don't 152 00:09:43,890 --> 00:09:46,330 Suze: want to read in the post or anything where you 153 00:09:46,330 --> 00:09:51,169 Suze: are blaming anybody. It doesn't matter. All the blame, shame, 154 00:09:51,250 --> 00:09:55,080 Suze: and everything in the world isn't going to help your money. 155 00:09:55,330 --> 00:09:59,809 Suze: Taking action, the right action, from a place of courage, 156 00:09:59,890 --> 00:10:03,929 Suze: not fear, from a place of power, not weakness is 157 00:10:03,929 --> 00:10:07,718 Suze: what is going to make your money, make more money. 158 00:10:07,929 --> 00:10:09,969 Suze: I want you to be kind to others. 159 00:10:10,369 --> 00:10:15,760 Suze: And always remember you are stronger than your fear. I 160 00:10:15,760 --> 00:10:19,650 Suze: hope you enjoyed this Susie pop up for now. Bye bye.