1 00:00:00,039 --> 00:00:02,970 Intro / Outro: Ok, Suze. Are you ready for today's podcast? 2 00:00:03,019 --> 00:00:06,300 Intro / Outro: Oh, you bet I am because I'm unstoppable 3 00:00:08,010 --> 00:00:08,049 Intro / Outro: Music In. 4 00:00:28,540 --> 00:00:34,259 Suze: September 10th, 2023. Welcome everybody to the Women and Money 5 00:00:34,270 --> 00:00:42,090 Suze: podcast as well as everybody smart enough to listen. So obviously, 6 00:00:42,098 --> 00:00:47,930 Suze: this podcast has been prerecorded because why? We, KT and 7 00:00:47,939 --> 00:00:53,750 Suze: myself happen to be in right now in Spain, actually 8 00:00:54,189 --> 00:01:00,090 Suze: in Santiago to be exact, which is where the Camino ends. 9 00:01:00,310 --> 00:01:03,430 Suze: So if you don't know what the camino is, look 10 00:01:03,439 --> 00:01:06,470 Suze: it up, it's a fabulous thing that all of you 11 00:01:06,480 --> 00:01:10,819 Suze: should do, but I have no doubt that we are 12 00:01:10,830 --> 00:01:15,419 Suze: having the absolute time of our lives, being with our really, 13 00:01:15,430 --> 00:01:22,360 Suze: really great friends, Joyce, Lithia, Samantha Fabulous. We can't wait 14 00:01:22,370 --> 00:01:23,750 Suze: to see them all. 15 00:01:24,129 --> 00:01:29,470 Suze: So Suze School, I want to begin with what I 16 00:01:29,480 --> 00:01:34,019 Suze: consider a seriously exciting announcement 17 00:01:34,819 --> 00:01:38,819 Suze: over the years that Alliant Credit Union has sponsored the 18 00:01:38,830 --> 00:01:44,389 Suze: Women and Money Podcast. One of the most popular savings 19 00:01:44,400 --> 00:01:49,800 Suze: programs that we have ever offered is the ultimate opportunity, 20 00:01:49,809 --> 00:01:51,150 Suze: savings account. 21 00:01:51,760 --> 00:01:55,620 Suze: And so many of you have participated in it over 22 00:01:55,629 --> 00:01:58,610 Suze: the past. And for those of you who haven't yet 23 00:01:58,620 --> 00:02:04,129 Suze: participated in the ultimate opportunity savings account, it's not too late. 24 00:02:04,139 --> 00:02:07,769 Suze: You can still do it if you want to 25 00:02:08,858 --> 00:02:12,508 Suze: so often you would write me and say, Suze, this 26 00:02:12,518 --> 00:02:16,638 Suze: is such a great savings opportunity that Alliant Credit Union 27 00:02:16,649 --> 00:02:20,627 Suze: is offering. Why can't we do it for our kids 28 00:02:20,639 --> 00:02:28,869 Suze: as well? Well, guess what, as of September 10th, 2023 29 00:02:30,419 --> 00:02:36,740 Suze: Alliant Credit Union is opening the Ultimate Opportunity Savings Account for 30 00:02:36,750 --> 00:02:41,960 Suze: kids and teens. Now, listen to me closely if you 31 00:02:41,970 --> 00:02:47,559 Suze: don't know what the Ultimate Opportunity Savings account is. It's very, 32 00:02:47,570 --> 00:02:48,619 Suze: very simple. 33 00:02:48,919 --> 00:02:51,789 Suze: You go to my alliant dot com. You open up 34 00:02:51,800 --> 00:02:55,508 Suze: an account, it doesn't cost you anything. You put in 35 00:02:55,538 --> 00:02:59,448 Suze: $100 a month for 12 consecutive months and at the 36 00:02:59,460 --> 00:03:04,388 Suze: end of those 12 months, you get $100. 37 00:03:05,460 --> 00:03:10,970 Suze: If you already have an Ultimate Opportunity Savings Account, then 38 00:03:10,979 --> 00:03:15,489 Suze: you automatically qualify to be able to open up one 39 00:03:15,500 --> 00:03:21,490 Suze: for your kids and your teens. If you don't have one, 40 00:03:21,839 --> 00:03:23,940 Suze: then for you to be able to open up one 41 00:03:23,949 --> 00:03:27,428 Suze: for your kids. Guess what? You have to open up 42 00:03:27,440 --> 00:03:30,589 Suze: one for yourself as well. 43 00:03:31,149 --> 00:03:34,800 Suze: Now it is true that there are two different types 44 00:03:34,809 --> 00:03:40,229 Suze: of kids accounts for your kids who are 12 and under. 45 00:03:40,240 --> 00:03:43,960 Suze: It will just be for a savings account for your 46 00:03:43,970 --> 00:03:48,919 Suze: kids who are 13 through 17, the teens. They will 47 00:03:48,929 --> 00:03:53,589 Suze: be opening up a checking account with a savings account 48 00:03:53,600 --> 00:03:57,800 Suze: because that will really prepare them for later on in life. 49 00:03:57,809 --> 00:04:00,399 Suze: And again, it works identical 50 00:04:00,820 --> 00:04:04,190 Suze: to the Ultimate Opportunity Savings Account that all of you 51 00:04:04,199 --> 00:04:09,710 Suze: have loved so much. What's really important that you understand 52 00:04:09,860 --> 00:04:13,750 Suze: is that this opportunity isn't going to be here forever 53 00:04:13,759 --> 00:04:18,390 Suze: when it comes to your kids. It goes away. December 54 00:04:18,399 --> 00:04:25,349 Suze: 31st 2023. So I am asking all of you to 55 00:04:25,359 --> 00:04:28,070 Suze: make finances a family affair 56 00:04:28,500 --> 00:04:33,909 Suze: where you go to my alliant dot com. You click 57 00:04:33,920 --> 00:04:38,899 Suze: on kids savings accounts if you already have an Ultimate 58 00:04:38,910 --> 00:04:43,479 Suze: Opportunity Savings Account and if you don't then just click 59 00:04:43,488 --> 00:04:48,269 Suze: on Ultimate Opportunity Savings account. It's right there when you 60 00:04:48,279 --> 00:04:50,929 Suze: go to my alliant dot com. 61 00:04:51,220 --> 00:04:55,510 Suze: If you have many kids, just keep coming back to kids' 62 00:04:55,519 --> 00:04:58,609 Suze: savings account, click on that and open up an account 63 00:04:58,619 --> 00:05:02,859 Suze: for every kid that you have. I've been waiting to 64 00:05:02,869 --> 00:05:06,149 Suze: do this for a very, very long time and now 65 00:05:06,160 --> 00:05:06,970 Suze: guess what, 66 00:05:07,500 --> 00:05:12,029 Suze: we have done it. So thank you Alliant Credit Union 67 00:05:12,230 --> 00:05:16,670 Suze: because you know, we all know how important it is 68 00:05:16,750 --> 00:05:21,349 Suze: for us to teach our kids good money habits to 69 00:05:21,359 --> 00:05:25,049 Suze: hopefully educate them enough so that they get as much 70 00:05:25,059 --> 00:05:29,469 Suze: pleasure out of saving as they do spending. And the 71 00:05:29,480 --> 00:05:32,469 Suze: only way they're able to do that is through the 72 00:05:32,480 --> 00:05:36,709 Suze: habit of depositing money every single month. 73 00:05:37,040 --> 00:05:39,928 Suze: Now, maybe they can only come up with themselves $10 74 00:05:39,940 --> 00:05:43,059 Suze: a month. It's all right. Match it for them, do 75 00:05:43,070 --> 00:05:44,450 Suze: whatever you can, 76 00:05:44,829 --> 00:05:48,219 Suze: but don't miss out on the $100 a month for 77 00:05:48,230 --> 00:05:52,260 Suze: 12 consecutive months. So you get that extra $100. It 78 00:05:52,269 --> 00:05:55,160 Suze: is worth it, it is worth it. It is worth it. 79 00:05:55,279 --> 00:06:01,040 Suze: Once again, just go to my alliant dot com. And 80 00:06:01,049 --> 00:06:04,929 Suze: at the end of this podcast, Robert will give you 81 00:06:04,940 --> 00:06:11,000 Suze: an entire list of exactly everything that you need to know. 82 00:06:11,600 --> 00:06:14,988 Suze: Ok. Now one other announcement, 83 00:06:15,880 --> 00:06:20,410 Suze: so many of you have been asking me, where are 84 00:06:20,420 --> 00:06:24,220 Suze: the Must Have Documents we want to buy? The Must Have Documents 85 00:06:26,309 --> 00:06:33,540 Suze: and truthfully Hay House who manufactures the Must Have Documents , took 86 00:06:33,549 --> 00:06:37,320 Suze: them off the market for sale so that they could 87 00:06:37,329 --> 00:06:41,279 Suze: update them, they can make them easier for you to 88 00:06:41,290 --> 00:06:42,420 Suze: use 89 00:06:42,579 --> 00:06:46,859 Suze: to understand to get help with. Plus they have a 90 00:06:46,869 --> 00:06:51,209 Suze: whole new set of lawyers that have redone. The documents 91 00:06:51,220 --> 00:06:54,409 Suze: have looked at the documents have different advice about the 92 00:06:54,420 --> 00:07:00,649 Suze: documents so that it's totally updated. And I am so 93 00:07:00,660 --> 00:07:04,709 Suze: excited to announce that as of today, those must have 94 00:07:04,720 --> 00:07:05,929 Suze: documents 95 00:07:06,399 --> 00:07:10,489 Suze: are back on sale. All you have to do is 96 00:07:10,500 --> 00:07:19,929 Suze: go to must have docs, that's m-u-s-t-h-a-v-e-d-o-c-s dot com and 97 00:07:19,940 --> 00:07:24,179 Suze: that is where you can buy them. Now, what you 98 00:07:24,190 --> 00:07:29,549 Suze: have to understand, I love educating you more than you 99 00:07:29,559 --> 00:07:34,559 Suze: have any idea on why I think that it is 100 00:07:34,570 --> 00:07:36,130 Suze: an absolute must 101 00:07:36,630 --> 00:07:40,920 Suze: that every one of you should have, these must have docs, 102 00:07:41,070 --> 00:07:46,029 Suze: a living revocable trust, a will, an advanced directive durable 103 00:07:46,040 --> 00:07:48,480 Suze: power of attorney for health care, as well as a 104 00:07:48,489 --> 00:07:51,040 Suze: power of attorney for finances. 105 00:07:51,850 --> 00:07:58,230 Suze: And because of technology today, Hay House was able to 106 00:07:58,239 --> 00:07:59,380 Suze: program 107 00:08:00,109 --> 00:08:04,540 Suze: and bring this alive for all of you. 108 00:08:05,440 --> 00:08:11,670 Suze: So again, these are legal documents created by lawyers, not 109 00:08:11,679 --> 00:08:15,609 Suze: by myself, not by Hay House, but by lawyers. They're 110 00:08:15,619 --> 00:08:21,380 Suze: good in all 50 states and they are seriously easy 111 00:08:21,390 --> 00:08:25,119 Suze: to use. So if you go to musthavedocs.com, 112 00:08:27,779 --> 00:08:32,909 Suze: you will see that they are on sale there for $99. 113 00:08:32,919 --> 00:08:36,329 Suze: But here is what the good news is Hay House, 114 00:08:36,340 --> 00:08:42,348 Suze: through their generosity is allowing you to share the activation 115 00:08:42,359 --> 00:08:45,820 Suze: code that you will get when you purchase these documents 116 00:08:46,320 --> 00:08:51,590 Suze: with your relatives, your loved ones, people that you care about. 117 00:08:51,719 --> 00:08:53,250 Suze: Who does that 118 00:08:54,280 --> 00:08:58,010 Suze: a company that really cares about you. 119 00:08:58,770 --> 00:09:04,349 Suze: Next, they have programmed these documents so that every time 120 00:09:04,359 --> 00:09:08,619 Suze: you come back to use them, it's not gonna cost 121 00:09:08,630 --> 00:09:09,659 Suze: you anything. 122 00:09:10,320 --> 00:09:15,869 Suze: Now, typically these four must have documents. If you went 123 00:09:15,880 --> 00:09:19,309 Suze: to see a lawyer in most of your situations, it 124 00:09:19,320 --> 00:09:24,689 Suze: would cost $2500 who has that kind of money? 125 00:09:25,440 --> 00:09:30,679 Suze: But here again, for $99 you get to share it 126 00:09:30,690 --> 00:09:36,750 Suze: with people. And every time something in your life changes, 127 00:09:36,760 --> 00:09:40,200 Suze: you get to come back and update your situation for 128 00:09:40,210 --> 00:09:44,359 Suze: absolutely free. Oh, you went to a lawyer, $500 to 129 00:09:44,369 --> 00:09:46,700 Suze: change something, maybe $1000. 130 00:09:47,169 --> 00:09:49,890 Suze: Also for those of you, Hay House wanted me to 131 00:09:49,900 --> 00:09:54,369 Suze: tell you for those of you who already have the Must Have Documents, 132 00:09:55,030 --> 00:10:00,580 Suze: don't worry when you go back online, your program will 133 00:10:00,590 --> 00:10:03,619 Suze: be automatically updated for you. 134 00:10:03,840 --> 00:10:08,340 Suze: And this program I've been told is really state of 135 00:10:08,349 --> 00:10:12,429 Suze: the art. There's online help, there's everything that you could 136 00:10:12,440 --> 00:10:15,510 Suze: want from email, talking to somebody to be able to 137 00:10:15,520 --> 00:10:18,760 Suze: ask a question right at the section that maybe you're 138 00:10:18,770 --> 00:10:19,669 Suze: stuck at. 139 00:10:20,460 --> 00:10:27,010 Suze: So it has been revamped, reprogrammed everything for you. So 140 00:10:27,020 --> 00:10:31,929 Suze: I really, really hope that you take advantage of it. 141 00:10:32,229 --> 00:10:36,710 Suze: Now, I'm making this a very short podcast and the 142 00:10:36,719 --> 00:10:42,099 Suze: reason is because I'm in Spain right now as you know, 143 00:10:42,260 --> 00:10:47,119 Suze: but these were two announcements that I am so excited about. 144 00:10:47,190 --> 00:10:51,070 Suze: I can't even tell you because both of these things, 145 00:10:51,229 --> 00:10:55,789 Suze: whether it's the Ultimate Opportunity Savings Account with Alliant Credit Union 146 00:10:56,000 --> 00:10:59,179 Suze: or the Must Have Documents with Hay House, 147 00:10:59,690 --> 00:11:05,080 Suze: your family needs to educate your kids and to make 148 00:11:05,090 --> 00:11:09,159 Suze: sure that you protect your kids, your assets yourself and 149 00:11:09,169 --> 00:11:15,619 Suze: everybody else. So I call these two things, the dynamic duo. 150 00:11:16,900 --> 00:11:20,789 Suze: So are you gonna take advantage of it? I hope so. 151 00:11:21,460 --> 00:11:24,530 Suze: But there's really only one thing that I want you 152 00:11:24,539 --> 00:11:31,070 Suze: to say every single day and it is as follows today, 153 00:11:31,080 --> 00:11:36,270 Suze: wherever I go, I will create a more joyful, peaceful 154 00:11:36,280 --> 00:11:39,390 Suze: and loving world. And if you do that 155 00:11:39,820 --> 00:11:43,979 Suze: and you take advantage of the Ultimate Opportunity, Savings Account 156 00:11:43,989 --> 00:11:48,260 Suze: for yourself as well as your kids and you get 157 00:11:48,270 --> 00:11:53,400 Suze: the Must Have Documents at must have docs dot com. 158 00:11:53,989 --> 00:11:59,900 Suze: I promise you you will be unstoppable. 159 00:12:04,530 --> 00:12:05,869 Intro / Outro: Music Out. 160 00:12:35,780 --> 00:12:40,228 Robert: Alliant is insured by NCUA, exclusions apply. Earn a $100 bonus 161 00:12:40,239 --> 00:12:43,090 Robert: deposit by opening a new kids' savings and or a 162 00:12:43,099 --> 00:12:46,390 Robert: new teen checking account and meeting the following requirements. 163 00:12:46,729 --> 00:12:49,789 Robert: Offer is valid for new kids savings or teen checking 164 00:12:49,799 --> 00:12:55,739 Robert: accounts opened from September 10th 2023 through December 31st 2023 165 00:12:55,750 --> 00:13:00,589 Robert: funded by transfers and or deposits totaling $100 or more 166 00:13:00,599 --> 00:13:04,250 Robert: each month for 12 consecutive months and opened by applying 167 00:13:04,260 --> 00:13:09,299 Robert: online at dot com slash Suze. Remember that's spelled S-U-Z-E. 168 00:13:10,276 --> 00:13:13,885 Robert: Kids Savings and teen checking accounts must be jointly owned 169 00:13:13,895 --> 00:13:16,875 Robert: with an Alliant member who is either that minor's parent 170 00:13:16,885 --> 00:13:20,295 Robert: grandparent or legal guardian. The joint owner on the account 171 00:13:20,306 --> 00:13:22,435 Robert: is the owner of the account and will serve as 172 00:13:22,445 --> 00:13:26,635 Robert: the primary account contact and shall receive all statements and notices. 173 00:13:26,645 --> 00:13:29,385 Robert: Joint owner must be 18 or older at the time 174 00:13:29,395 --> 00:13:32,135 Robert: of the account opening and a legal US resident or 175 00:13:32,145 --> 00:13:32,606 Robert: US person 176 00:13:32,822 --> 00:13:37,290 Robert: including a US resident alien to be eligible. Existing kids 177 00:13:37,302 --> 00:13:40,961 Robert: savings accounts and teen checking accounts. And former Alliant members 178 00:13:40,971 --> 00:13:44,822 Robert: who closed a kid savings account or teen checking account 179 00:13:44,831 --> 00:13:48,591 Robert: within 180 days of applying for the new account are 180 00:13:48,601 --> 00:13:52,562 Robert: not eligible. The 1st $100 must be transferred and or 181 00:13:52,572 --> 00:13:55,590 Robert: deposited within 30 days of account opening. 182 00:13:55,809 --> 00:14:00,619 Robert: And each calendar month after the 1st $100 transfer, deposit 183 00:14:00,630 --> 00:14:03,809 Robert: funds must need to post to the kids' savings and 184 00:14:03,820 --> 00:14:07,598 Robert: or savings account that accompanies the teen checking account by 185 00:14:07,609 --> 00:14:10,299 Robert: the last day of the month account must remain open 186 00:14:10,309 --> 00:14:13,799 Robert: and in good standing. Maintain an average daily minimum balance 187 00:14:13,875 --> 00:14:17,155 Robert: of $100 and the balance at the end of the 188 00:14:17,164 --> 00:14:21,984 Robert: 12 calendar month period must be $1200 or more. In 189 00:14:21,994 --> 00:14:26,325 Robert: order to receive the $100 bonus deposit accounts will be 190 00:14:26,335 --> 00:14:29,054 Robert: reviewed 12 months from the date of the first transfer 191 00:14:29,065 --> 00:14:34,344 Robert: slash deposit to determine eligibility if all requirements have been met. 192 00:14:34,354 --> 00:14:35,625 Robert: After 12 months, 193 00:14:35,919 --> 00:14:39,369 Robert: please allow four weeks for the $100 bonus deposit to 194 00:14:39,380 --> 00:14:42,609 Robert: post to the kids' savings account and or savings account 195 00:14:42,619 --> 00:14:46,130 Robert: that accompanies the teen checking account. You will be responsible 196 00:14:46,140 --> 00:14:49,650 Robert: for any tax liability offer is not transferable and not 197 00:14:49,659 --> 00:14:50,929 Robert: valid for trusts, 198 00:14:51,049 --> 00:14:56,400 Robert: UTMAs Iras or other tax exempt accounts limit one offer 199 00:14:56,409 --> 00:15:01,330 Robert: per new Alliant member. All account applications are subject to approval. 200 00:15:01,359 --> 00:15:06,099 Robert: The account must be opened by 11:59 p.m. Central time 201 00:15:06,330 --> 00:15:11,369 Robert: on December 31st 2023 to be eligible. Alliant reserves the 202 00:15:11,380 --> 00:15:14,260 Robert: right to modify the terms and conditions or terminate the 203 00:15:14,270 --> 00:15:18,020 Robert: offer at any time. Please contact Alliant if you require 204 00:15:18,030 --> 00:15:22,390 Robert: assistance or have any questions. And remember neither Suze Orman 205 00:15:22,400 --> 00:15:25,510 Robert: Media nor Suze Orman is acting as a certified financial 206 00:15:25,520 --> 00:15:29,960 Robert: planner advisor, a certified financial analyst, an economist CPA account 207 00:15:29,969 --> 00:15:30,609 Robert: nor lawyer. 208 00:15:30,989 --> 00:15:34,960 Robert: Neither Suze Orman media nor Suze Orman make any recommendations 209 00:15:34,969 --> 00:15:38,609 Robert: as to any specific securities or investments. All content contained 210 00:15:38,619 --> 00:15:42,260 Robert: in this podcast is for informational and general purposes only 211 00:15:42,270 --> 00:15:46,229 Robert: and does not constitute financial accounting or legal advice. You 212 00:15:46,239 --> 00:15:46,330 Robert: should 213 00:15:46,429 --> 00:15:50,760 Robert: consult your own tax, legal and financial advisors. Regarding your 214 00:15:50,770 --> 00:15:55,039 Robert: particular situation, neither Suze Orman Media nor Suze Orman accepts 215 00:15:55,049 --> 00:15:58,799 Robert: any responsibility for any losses which may arise from accessing 216 00:15:58,809 --> 00:16:02,549 Robert: or reliance on information in this podcast and to the 217 00:16:02,559 --> 00:16:06,119 Robert: fullest extent permitted by law, we exclude all liability for 218 00:16:06,130 --> 00:16:09,929 Robert: loss damages, direct or indirect arising from the use of 219 00:16:09,940 --> 00:16:11,020 Robert: this information. 220 00:16:11,419 --> 00:16:15,239 Robert: The must have documents discussed in this podcast are legal 221 00:16:15,250 --> 00:16:18,830 Robert: documents created by a lawyer and distributed by Hay House.