1 00:00:41,389 --> 00:00:45,509 Suze: January 5, 2025. 2 00:00:45,790 --> 00:00:46,619 Suze: Whoa. 3 00:00:47,069 --> 00:00:51,240 Suze: Anyway, welcome everybody to the Women and Money podcast and 4 00:00:51,240 --> 00:00:54,060 Suze: everybody smart enough to listen. 5 00:00:54,790 --> 00:00:58,930 Suze: So are you happy that it's all over? I'm always 6 00:00:58,930 --> 00:01:04,160 Suze: very happy when the holidays are over. They're so much, 7 00:01:04,330 --> 00:01:07,488 Suze: isn't it? Doesn't it feel like you have Thanksgiving? Then 8 00:01:07,489 --> 00:01:11,160 Suze: you have the holiday of either Christmas, Kwanza or Hanukkah, 9 00:01:11,370 --> 00:01:14,330 Suze: and then you have New Year's, and here we are, 10 00:01:14,489 --> 00:01:18,319 Suze: and we start all over again. So I hope all 11 00:01:18,319 --> 00:01:20,889 Suze: of you had a really great holiday. 12 00:01:21,559 --> 00:01:26,330 Suze: But for me personally, I'm happy to start again now 13 00:01:26,330 --> 00:01:31,019 Suze: and just go for it for this year. But before 14 00:01:31,019 --> 00:01:33,860 Suze: I do that with all of you, let's just do 15 00:01:33,860 --> 00:01:36,099 Suze: a little update because I know a lot of you 16 00:01:36,099 --> 00:01:39,378 Suze: have written me and you're just curious. So the very 17 00:01:39,379 --> 00:01:43,289 Suze: first update, by the way, is about the theme song 18 00:01:43,580 --> 00:01:44,660 Suze: for this year. 19 00:01:45,209 --> 00:01:49,360 Suze: And as I'm sure you heard that the theme song 20 00:01:49,360 --> 00:01:53,959 Suze: is still unstoppable by Sia. When I originally asked Sia 21 00:01:53,959 --> 00:01:57,120 Suze: if I could use Unstoppable as the theme song for 22 00:01:57,120 --> 00:02:01,239 Suze: the Women and Money podcast, the lawyers and everybody said yes, 23 00:02:01,349 --> 00:02:05,040 Suze: but it was for two years, and those two years 24 00:02:05,040 --> 00:02:07,360 Suze: ended last year. 25 00:02:07,709 --> 00:02:10,649 Suze: Therefore, I wrote Sia, and I said, Sia, I just 26 00:02:10,649 --> 00:02:13,130 Suze: want to thank you so much for letting me use 27 00:02:13,130 --> 00:02:17,619 Suze: your song as my theme song for the Women and 28 00:02:17,619 --> 00:02:22,009 Suze: Money podcast. It was so great, and she wrote me 29 00:02:22,008 --> 00:02:25,948 Suze: back and she said, Why, Suze? Why have you stopped? 30 00:02:25,970 --> 00:02:28,490 Suze: And the conversation went on that it was only supposed 31 00:02:28,490 --> 00:02:30,690 Suze: to be for two years, and she wrote back and 32 00:02:30,690 --> 00:02:32,250 Suze: she said, No, Suze. 33 00:02:32,788 --> 00:02:35,869 Suze: I gave you the rights to that song for the 34 00:02:35,869 --> 00:02:39,850 Suze: rest of your life as long as you want to 35 00:02:39,850 --> 00:02:40,648 Suze: use them. 36 00:02:41,440 --> 00:02:46,600 Suze: So here we are. The theme song remains unstoppable, and 37 00:02:46,600 --> 00:02:50,240 Suze: I love that theme song, and I love it so 38 00:02:50,240 --> 00:02:54,429 Suze: much because really if you listen to the words of it, 39 00:02:54,679 --> 00:03:00,039 Suze: it's how you empower yourself. You don't let anything stop you. 40 00:03:00,160 --> 00:03:04,429 Suze: You have this vision of yourself and you just go 41 00:03:04,429 --> 00:03:05,199 Suze: for it. 42 00:03:05,880 --> 00:03:08,750 Suze: And then in the end you are unstoppable, and I 43 00:03:08,750 --> 00:03:13,190 Suze: think it's really, really important in life today that you 44 00:03:13,190 --> 00:03:17,668 Suze: don't let anything or anyone stop you. You don't let 45 00:03:17,669 --> 00:03:21,229 Suze: the economy stop you. You don't let politics stop you. 46 00:03:21,309 --> 00:03:24,229 Suze: You don't let others' opinion of you stop you. You 47 00:03:24,229 --> 00:03:27,080 Suze: don't let your job or your work or your family. 48 00:03:27,190 --> 00:03:32,509 Suze: Nothing can stop you from being who you were born 49 00:03:32,508 --> 00:03:33,149 Suze: to be. 50 00:03:34,160 --> 00:03:36,669 Suze: And so therefore kind of have to know who you 51 00:03:36,669 --> 00:03:39,589 Suze: were born to be, but no seriously, and you were 52 00:03:39,589 --> 00:03:46,389 Suze: born to be a powerful, powerful person who really loved 53 00:03:46,389 --> 00:03:50,789 Suze: their life, enjoyed their life, and also could be the 54 00:03:50,789 --> 00:03:54,360 Suze: masters of your own financial destiny. 55 00:03:55,240 --> 00:03:59,289 Suze: So number one, thank you, thank you, Sia, again. So 56 00:03:59,289 --> 00:04:03,199 Suze: we are going to remain with our unstoppable theme. 57 00:04:04,080 --> 00:04:06,889 Suze: The other thing update just so all of you know, 58 00:04:06,949 --> 00:04:12,160 Suze: is Colo, Columbia, who is like our son that all 59 00:04:12,160 --> 00:04:16,450 Suze: of you see on the Women and Money podcast app. Annie, 60 00:04:16,488 --> 00:04:18,678 Suze: his wife came to visit. 61 00:04:19,450 --> 00:04:21,519 Suze: And I just want to tell you she was here 62 00:04:21,519 --> 00:04:22,308 Suze: for a week. 63 00:04:23,459 --> 00:04:33,109 Suze: I can't believe how adorable, gracious, heartful, everything. She is perfect. 64 00:04:33,178 --> 00:04:36,369 Suze: The two of them are perfect together. 65 00:04:37,178 --> 00:04:40,190 Suze: And now it's, I feel like we have a daughter-in-law 66 00:04:41,200 --> 00:04:44,799 Suze: because we loved her, and we actually said to Colo 67 00:04:44,799 --> 00:04:47,039 Suze: after she left, Colo, you have to bring her here 68 00:04:47,040 --> 00:04:49,880 Suze: more often, that Colo, if you want her to live 69 00:04:49,880 --> 00:04:52,428 Suze: here with you, she absolutely can. 70 00:04:53,238 --> 00:04:58,390 Suze: So Colo is so happy. Annie is so happy, and 71 00:04:58,390 --> 00:05:02,549 Suze: it's just, oh, that was the best time ever. The 72 00:05:02,549 --> 00:05:04,868 Suze: four of us here alone, so we would get to 73 00:05:04,869 --> 00:05:07,589 Suze: know her. She got to know us obviously we left 74 00:05:07,589 --> 00:05:10,709 Suze: them alone a lot of the time, but perfect. 75 00:05:11,720 --> 00:05:16,200 Suze: The next update is about Alliant Credit Union and their 76 00:05:16,200 --> 00:05:19,899 Suze: interest rates on the 6 month and 12 month certificate 77 00:05:19,899 --> 00:05:24,260 Suze: of deposit. Now, a lot of times we hear about 78 00:05:24,269 --> 00:05:27,589 Suze: interest rates are going down, they're going down. Well, as 79 00:05:27,589 --> 00:05:29,428 Suze: of January 3rd. 80 00:05:30,209 --> 00:05:33,609 Suze: Alliant had an increase in their six month certificate of 81 00:05:33,609 --> 00:05:41,109 Suze: deposit from 4% to 4.10% and their 12 month certificate 82 00:05:41,109 --> 00:05:48,070 Suze: of deposit from 4.10% to 4.25%. 83 00:05:48,559 --> 00:05:52,109 Suze: So that's kind of great if you ask me. Also, 84 00:05:52,238 --> 00:05:56,480 Suze: their 12 month jumbo certificate went from, which is 75,000 85 00:05:56,480 --> 00:06:03,250 Suze: or more, went from 4.15% to 4.30%. 86 00:06:03,980 --> 00:06:07,940 Suze: So those match very well with the one year treasury 87 00:06:07,940 --> 00:06:11,459 Suze: and everything like that. So if you have a certificate 88 00:06:11,459 --> 00:06:14,659 Suze: of deposit that happens to be maturing or you want 89 00:06:14,660 --> 00:06:18,459 Suze: to get one from Alliant Credit Union, those are good rates, 90 00:06:18,579 --> 00:06:22,618 Suze: you would go to my Alliant A L L I 91 00:06:22,619 --> 00:06:25,540 Suze: A N T.com. 92 00:06:26,428 --> 00:06:31,230 Suze: Next, for those of you who have been writing about 93 00:06:31,230 --> 00:06:34,260 Suze: long term care insurance, how much is it going to cost? 94 00:06:34,420 --> 00:06:36,980 Suze: Do you want a quote on it, whatever it may be, 95 00:06:37,190 --> 00:06:40,869 Suze: if you go to the Women and Money app, which 96 00:06:40,869 --> 00:06:43,959 Suze: you can download on Apple Apps or Google Play. 97 00:06:44,488 --> 00:06:46,829 Suze: And you go to the front page and if you 98 00:06:46,829 --> 00:06:50,470 Suze: scroll down you will see a little square that says 99 00:06:50,470 --> 00:06:55,029 Suze: long term care insurance. If you click on that and 100 00:06:55,029 --> 00:06:57,109 Suze: you look at it, you'll see that there is a 101 00:06:57,109 --> 00:06:59,829 Suze: long term care insurance calculator. 102 00:07:00,549 --> 00:07:05,290 Suze: And that calculator, if you use it, will actually estimate 103 00:07:05,290 --> 00:07:11,630 Suze: for you what your long term care insurance premiums will be. Now, 104 00:07:11,649 --> 00:07:16,170 Suze: the last update before we start Suze School, which will 105 00:07:16,170 --> 00:07:19,450 Suze: be projections, by the way, of the stock market, bonds, 106 00:07:19,570 --> 00:07:21,880 Suze: real estate, everything that I'm sure you want to know, 107 00:07:22,130 --> 00:07:25,769 Suze: and also the theme for this year. But the last 108 00:07:25,769 --> 00:07:29,440 Suze: update is on Mister Keith Fitzgerald. 109 00:07:30,109 --> 00:07:32,809 Suze: And while I wish I could say to all of you, 110 00:07:32,980 --> 00:07:39,489 Suze: guess what, the program is ready. It is not ready yet. However, 111 00:07:39,779 --> 00:07:45,869 Suze: I'm going to tell you exactly what is being created, 112 00:07:46,179 --> 00:07:49,559 Suze: because I think that might help you be more patient 113 00:07:50,019 --> 00:07:54,059 Suze: to understand why this is so complicated, OK. 114 00:07:54,769 --> 00:07:58,350 Suze: So first of all, one of the hardest things to 115 00:07:58,350 --> 00:08:00,489 Suze: do when it comes to investing. 116 00:08:01,190 --> 00:08:04,980 Suze: Is to dollar cost average to know when do you 117 00:08:04,980 --> 00:08:08,260 Suze: put more money into a stock, when don't you, when 118 00:08:08,260 --> 00:08:10,940 Suze: do you sell, when do you buy all of those things. 119 00:08:10,989 --> 00:08:14,328 Suze: So sometimes it's easier when you pick a stock, OK, 120 00:08:14,899 --> 00:08:18,049 Suze: but then to know when do you continue to invest 121 00:08:18,049 --> 00:08:21,209 Suze: in it or sell it is probably the hardest part 122 00:08:21,209 --> 00:08:26,339 Suze: of investing. So a breakthrough method. 123 00:08:27,149 --> 00:08:33,650 Suze: Has been created seriously that is better than dollar cost 124 00:08:33,650 --> 00:08:40,339 Suze: averaging and it's called value cost averaging and Keith has 125 00:08:40,340 --> 00:08:44,339 Suze: created something called my value path. 126 00:08:45,489 --> 00:08:48,419 Suze: And the reason that it's being called that is it's 127 00:08:48,419 --> 00:08:51,849 Suze: going to be your, so you're gonna call it my, right? 128 00:08:51,979 --> 00:08:55,400 Suze: But it's gonna be your path to how to get 129 00:08:55,400 --> 00:08:59,289 Suze: the most value out of your money. 130 00:09:00,239 --> 00:09:04,609 Suze: So again this is going to be a breakthrough method 131 00:09:05,059 --> 00:09:08,780 Suze: that is actually better for you than just buying and 132 00:09:08,780 --> 00:09:14,140 Suze: holding and better than dollar cost averaging because it's going 133 00:09:14,140 --> 00:09:20,780 Suze: to give you a smoother ride. So this value path portfolio, 134 00:09:20,979 --> 00:09:25,780 Suze: your value path portfolio is going to consist of 10 135 00:09:25,780 --> 00:09:27,460 Suze: to 12 stocks. 136 00:09:28,169 --> 00:09:31,609 Suze: And you are going to have to buy them yourself 137 00:09:31,900 --> 00:09:36,260 Suze: at wherever it is that you invest, but 10 to 138 00:09:36,260 --> 00:09:39,489 Suze: 12 stocks are going to be named for you. 139 00:09:40,260 --> 00:09:46,030 Suze: And they're really to complement your long-term existing portfolios like 140 00:09:46,030 --> 00:09:48,489 Suze: spiders and other ETFs that you have. 141 00:09:49,150 --> 00:09:52,709 Suze: So what this program will do is that you will 142 00:09:52,710 --> 00:09:56,869 Suze: go online and you will just designate the amount of 143 00:09:56,869 --> 00:10:02,348 Suze: money that you're interested in investing and leaving alone for 144 00:10:02,349 --> 00:10:07,500 Suze: like 5 years, then you will be provided a roadmap. 145 00:10:08,159 --> 00:10:13,229 Suze: Of these stocks and you will get monthly emails telling 146 00:10:13,229 --> 00:10:18,039 Suze: you how much of each stock to buy or sell 147 00:10:18,320 --> 00:10:22,840 Suze: to keep you on that path, just that simple. So 148 00:10:22,840 --> 00:10:26,760 Suze: if you're going to invest, let's just say $25,000 you're 149 00:10:26,760 --> 00:10:30,880 Suze: not investing and sending anywhere, you have that money at 150 00:10:30,880 --> 00:10:32,880 Suze: some brokerage firm already. 151 00:10:33,590 --> 00:10:36,380 Suze: You will get an email with the 12 stocks or 152 00:10:36,380 --> 00:10:37,979 Suze: whatever it is that you're to buy. 153 00:10:39,030 --> 00:10:42,179 Suze: Then it will divide whatever amount of money you designate. 154 00:10:42,359 --> 00:10:46,590 Suze: So let's just say 25,000. It will divide that into, 155 00:10:46,750 --> 00:10:50,030 Suze: to begin with, the first month, how much you should 156 00:10:50,030 --> 00:10:54,108 Suze: put in each one of those stocks. The next month 157 00:10:54,109 --> 00:10:57,190 Suze: you get another email and it will tell you if 158 00:10:57,190 --> 00:11:00,429 Suze: you should invest more in any one of those stocks. 159 00:11:00,440 --> 00:11:02,989 Suze: In all of them, it will go on like that 160 00:11:02,989 --> 00:11:05,260 Suze: for 12 months. 161 00:11:05,760 --> 00:11:10,190 Suze: And that's how you're going to do it now. This 162 00:11:10,190 --> 00:11:13,479 Suze: is not for what Keith calls hot money, although it 163 00:11:13,479 --> 00:11:18,598 Suze: can happen, but it's for serious investors who are using 164 00:11:18,599 --> 00:11:23,228 Suze: money that you won't need for at least 5 years, 165 00:11:23,719 --> 00:11:27,000 Suze: but it's going to help and guide you into what 166 00:11:27,000 --> 00:11:28,799 Suze: stocks Keith wants you to buy. 167 00:11:29,909 --> 00:11:33,939 Suze: And how to value cost average into these stocks with 168 00:11:33,940 --> 00:11:39,859 Suze: the exact money in your particular situation. So the reason 169 00:11:39,859 --> 00:11:44,500 Suze: that it's taking so long is that the computers have 170 00:11:44,500 --> 00:11:47,369 Suze: to be able to figure it out for all of you. 171 00:11:47,619 --> 00:11:51,109 Suze: One of you may sign up and you may have 25,000. 172 00:11:51,119 --> 00:11:54,890 Suze: Another one may have 100,000. Another may have a million. 173 00:11:55,140 --> 00:11:57,819 Suze: So it has to be able to calculate for each 174 00:11:57,820 --> 00:11:59,059 Suze: one of you. 175 00:11:59,909 --> 00:12:04,510 Suze: What you should be doing every single month and again 176 00:12:04,510 --> 00:12:07,699 Suze: you will get that email once a month or even 177 00:12:07,700 --> 00:12:10,710 Suze: more possibly depending on what happens with the market for 178 00:12:10,710 --> 00:12:15,429 Suze: 12 consecutive months and then it renews. The cost of 179 00:12:15,429 --> 00:12:19,150 Suze: it is just going to be anywhere from like $175 180 00:12:19,150 --> 00:12:23,190 Suze: to maybe $250 a year, something like that, and that's it. 181 00:12:23,890 --> 00:12:28,119 Suze: And then it will renew every year for 5 years 182 00:12:28,119 --> 00:12:32,119 Suze: to guide you, and that's how it is. It's going 183 00:12:32,119 --> 00:12:37,390 Suze: to be called My Value Path, but that is why 184 00:12:37,640 --> 00:12:41,520 Suze: it's so complicated. So again, he's also going to be 185 00:12:41,520 --> 00:12:44,799 Suze: giving simple inputs on where you're starting and how much 186 00:12:44,799 --> 00:12:46,840 Suze: you should plan to invest. All of that's going to 187 00:12:46,840 --> 00:12:47,679 Suze: be in there. 188 00:12:48,440 --> 00:12:52,299 Suze: So it's comprehensive. I don't know. Will it be done 189 00:12:52,299 --> 00:12:56,549 Suze: in this month, next month, the month after? I don't 190 00:12:56,549 --> 00:12:59,780 Suze: know for sure, but I do know that he's not 191 00:12:59,780 --> 00:13:03,919 Suze: going to bring it out until it's 100% perfect. 192 00:13:05,260 --> 00:13:08,609 Suze: I don't want this to be a year where you're 193 00:13:08,609 --> 00:13:12,770 Suze: just waiting for Keith to come out with this program. 194 00:13:13,830 --> 00:13:17,659 Suze: You can still invest, and I'll get to that in 195 00:13:17,659 --> 00:13:21,890 Suze: a second with what I think people should be investing in. 196 00:13:22,179 --> 00:13:24,819 Suze: But the point that I want to make here right 197 00:13:24,820 --> 00:13:30,000 Suze: now is that's your update on Keith, which actually kind 198 00:13:30,000 --> 00:13:34,739 Suze: of brings us to a theme for this year. 199 00:13:36,099 --> 00:13:37,690 Suze: So on New Year's Day, 200 00:13:38,650 --> 00:13:42,119 Suze: As I do every single New Year's Day, I listen 201 00:13:42,119 --> 00:13:46,559 Suze: to a certain broadcast where there is a message for 202 00:13:46,559 --> 00:13:47,760 Suze: the new year. 203 00:13:48,479 --> 00:13:52,450 Suze: And the message for this new year was, write this 204 00:13:52,450 --> 00:13:56,679 Suze: down everybody, get out your notebooks because this really is brilliant. 205 00:13:57,289 --> 00:14:03,439 Suze: It's "make your time worth your time." 206 00:14:04,840 --> 00:14:09,130 Suze: And I just thought that was so brilliant. I wish 207 00:14:09,130 --> 00:14:13,369 Suze: I had thought of it myself, but it's "make your 208 00:14:13,369 --> 00:14:19,090 Suze: time worth your time," cause sometimes so many of us, 209 00:14:19,289 --> 00:14:22,090 Suze: we spin and we spend all this time doing this 210 00:14:22,090 --> 00:14:26,880 Suze: or that and whatever, and is it really worth your time. 211 00:14:27,770 --> 00:14:31,849 Suze: So I started to think, how can I make that 212 00:14:32,659 --> 00:14:36,169 Suze: appropriate for a money podcast. 213 00:14:37,299 --> 00:14:42,090 Suze: And I decided that I should change it to "make 214 00:14:42,090 --> 00:14:45,650 Suze: your money, make more money." 215 00:14:46,429 --> 00:14:54,440 Suze: So that is our theme: "make your money, make more money." 216 00:14:55,460 --> 00:14:59,340 Suze: For your money to make more money you have to 217 00:14:59,340 --> 00:15:03,780 Suze: be doing something with it. You can't just really let 218 00:15:03,780 --> 00:15:07,250 Suze: it sit and do nothing, even though maybe it's making 219 00:15:07,250 --> 00:15:08,859 Suze: 4 or 5%. 220 00:15:09,500 --> 00:15:14,200 Suze: It's really not doing something for you and truly growing. 221 00:15:14,919 --> 00:15:17,669 Suze: And so if you look at for the past two 222 00:15:17,669 --> 00:15:21,630 Suze: years now, the Standard and Poor's 500 Index, and for 223 00:15:21,630 --> 00:15:24,469 Suze: those of you who don't know, that's just simply an 224 00:15:24,469 --> 00:15:28,630 Suze: index made up of 500 stocks that make up the 225 00:15:28,630 --> 00:15:33,590 Suze: Standard and Poor's 500 Index, which is an index everybody 226 00:15:33,590 --> 00:15:35,630 Suze: tracks to see is the market going up, is the 227 00:15:35,630 --> 00:15:41,919 Suze: market going down? That's been up 20% now, two years 228 00:15:41,919 --> 00:15:43,320 Suze: in a row. 229 00:15:44,059 --> 00:15:46,799 Suze: So while it may look great that you made 4.5 230 00:15:46,799 --> 00:15:49,229 Suze: or 5% on your money just sitting there. 231 00:15:50,299 --> 00:15:54,940 Suze: There's got to be some part of your portfolio that 232 00:15:54,940 --> 00:15:59,489 Suze: you can make more money out of your money. 233 00:16:00,440 --> 00:16:04,479 Suze: So again, make your money, make more money. 234 00:16:05,210 --> 00:16:09,590 Suze: So to do that, however, we need to also know 235 00:16:09,960 --> 00:16:13,799 Suze: what should we be doing, what are the projections of 236 00:16:13,799 --> 00:16:17,880 Suze: what's going to happen this year now in all kinds 237 00:16:17,880 --> 00:16:21,710 Suze: of areas such as the stock market, the bond market, Bitcoin, 238 00:16:21,719 --> 00:16:27,349 Suze: and real estate and gold. So with that said, here's 239 00:16:27,349 --> 00:16:28,479 Suze: what I think. 240 00:16:29,140 --> 00:16:32,859 Suze: In terms of the stock market, I do not think, 241 00:16:33,169 --> 00:16:35,809 Suze: and I hope I'm wrong, but I don't think that 242 00:16:35,809 --> 00:16:38,929 Suze: this stock market is going to be as easy as 243 00:16:38,929 --> 00:16:42,890 Suze: the last two years. I think this is going to 244 00:16:42,890 --> 00:16:47,169 Suze: be a market that goes up and then goes down 245 00:16:47,169 --> 00:16:49,809 Suze: and then goes up and then goes down. 246 00:16:50,479 --> 00:16:53,390 Suze: And what's so great about that is that when the 247 00:16:53,390 --> 00:16:57,260 Suze: markets go down and certain stocks that have been skyrocketing 248 00:16:57,549 --> 00:16:58,380 Suze: go down. 249 00:16:59,169 --> 00:17:02,229 Suze: You have the ability to put more money into those 250 00:17:02,229 --> 00:17:06,390 Suze: stocks if you so wish to do so. And so 251 00:17:06,390 --> 00:17:10,300 Suze: therefore I think that's exactly what is going to happen. 252 00:17:11,430 --> 00:17:15,729 Suze: It's important that you watch the market, so to speak, 253 00:17:16,300 --> 00:17:20,300 Suze: and when they do take a dip, if you do 254 00:17:20,300 --> 00:17:23,420 Suze: have more money that you want to put in, then 255 00:17:23,420 --> 00:17:28,170 Suze: you absolutely should and take advantage of it cause I 256 00:17:28,170 --> 00:17:31,300 Suze: do think in the long run the markets will be 257 00:17:31,300 --> 00:17:34,619 Suze: going up and I do think in the years '26 258 00:17:34,619 --> 00:17:35,869 Suze: and '27. 259 00:17:36,310 --> 00:17:41,319 Suze: It's going to be an extraordinary time for investing and 260 00:17:41,319 --> 00:17:46,069 Suze: the economy. I just do. So this is the year 261 00:17:46,069 --> 00:17:49,599 Suze: to kind of get yourself situated so that you can 262 00:17:49,599 --> 00:17:53,359 Suze: make your money, make more money for you, but to 263 00:17:53,359 --> 00:17:56,958 Suze: do so you have to be invested. 264 00:17:57,750 --> 00:18:01,609 Suze: Now the question becomes, but Suze, I don't know. I 265 00:18:01,609 --> 00:18:03,790 Suze: don't know where to invest. That's why I was looking 266 00:18:03,790 --> 00:18:08,140 Suze: forward to Keith's program. All right, just be good there. 267 00:18:08,270 --> 00:18:08,949 Suze: It's all right. 268 00:18:09,650 --> 00:18:14,000 Suze: There are certain exchange traded funds. Forget individual stocks for 269 00:18:14,000 --> 00:18:19,359 Suze: the moment. There are certain exchange traded funds that nothing 270 00:18:19,359 --> 00:18:24,229 Suze: should be stopping you from investing in them, and the symbols, 271 00:18:24,239 --> 00:18:26,349 Suze: I'm not going to give you the names cause it 272 00:18:26,349 --> 00:18:29,680 Suze: will just take up too much time. But write down 273 00:18:29,680 --> 00:18:33,550 Suze: these symbols. If you have a portfolio and you want 274 00:18:33,550 --> 00:18:37,959 Suze: that portfolio to be made up of exchange traded funds. 275 00:18:38,540 --> 00:18:39,899 Suze: For this year. 276 00:18:40,569 --> 00:18:43,510 Suze: I think you should look into IWM. 277 00:18:44,719 --> 00:18:49,949 Suze: S P Y, these are all symbols. V T I, 278 00:18:50,800 --> 00:18:57,159 Suze: Q Q Q, X L F, I N D A 279 00:18:57,160 --> 00:18:59,290 Suze: and S C H D. 280 00:19:00,959 --> 00:19:04,879 Suze: Those are all exchange traded funds that you could put 281 00:19:04,880 --> 00:19:06,280 Suze: little amounts of money in. 282 00:19:07,079 --> 00:19:09,379 Suze: And then when they go down, you put more in, 283 00:19:09,390 --> 00:19:11,660 Suze: when they go up, you enjoy it and so on 284 00:19:11,660 --> 00:19:16,069 Suze: and so forth. Those are ETFs that I don't have 285 00:19:16,069 --> 00:19:19,389 Suze: a problem with you investing in any of them on 286 00:19:19,390 --> 00:19:20,739 Suze: any level. 287 00:19:21,630 --> 00:19:24,520 Suze: Now when it comes to individual stocks, 288 00:19:25,410 --> 00:19:28,540 Suze: it's really the same stocks that all of you have 289 00:19:28,540 --> 00:19:33,948 Suze: been hearing on this podcast over the past year or two. 290 00:19:34,660 --> 00:19:40,199 Suze: And if you own them, you should keep them. A 291 00:19:40,199 --> 00:19:42,239 Suze: lot of people are saying, but Suze, some of them 292 00:19:42,239 --> 00:19:44,800 Suze: are so high I should sell now. I get afraid 293 00:19:44,800 --> 00:19:47,319 Suze: they go down. Great if they go down and you 294 00:19:47,319 --> 00:19:49,069 Suze: have the money, buy more. 295 00:19:49,770 --> 00:19:54,310 Suze: The way that you make your money, make more money 296 00:19:54,310 --> 00:19:56,629 Suze: is not by selling. 297 00:19:57,609 --> 00:20:02,510 Suze: It's about being patient, having time on your side, and 298 00:20:02,510 --> 00:20:06,260 Suze: letting those stocks, when they go down, let them go down, 299 00:20:06,670 --> 00:20:10,180 Suze: and if you don't have more money, fine, just keep them. 300 00:20:10,790 --> 00:20:15,000 Suze: And if you do have more money, invest more in them. 301 00:20:15,849 --> 00:20:20,198 Suze: And that's really how you will make your money make 302 00:20:20,199 --> 00:20:23,829 Suze: more money. Now for those of you that are interested 303 00:20:23,829 --> 00:20:28,349 Suze: in what stocks, is it possible that I'm talking about here? 304 00:20:29,250 --> 00:20:31,050 Suze: So here are symbols again. I'm going to give you 305 00:20:31,050 --> 00:20:36,540 Suze: symbols A A P L, W H R, M S 306 00:20:36,540 --> 00:20:42,968 Suze: F T, C T R E, N V D A, W 307 00:20:42,969 --> 00:20:47,729 Suze: M T, I O N Q, A V G O, 308 00:20:47,729 --> 00:20:52,439 Suze: P L T R, T S L A, P F E, 309 00:20:52,530 --> 00:20:55,160 Suze: E Q T and G E V. 310 00:20:56,020 --> 00:20:58,660 Suze: Those are all stocks that I've mentioned in the past. 311 00:20:59,520 --> 00:21:04,199 Suze: And have performed very well for us, but I still 312 00:21:04,199 --> 00:21:07,449 Suze: think they're all going to go up. 313 00:21:08,270 --> 00:21:11,550 Suze: Now one might think, well, why don't I just buy 314 00:21:11,550 --> 00:21:14,270 Suze: all those? Why will I need Keith's program when it 315 00:21:14,270 --> 00:21:20,300 Suze: comes out? Because it's really incredible to have a guide 316 00:21:20,300 --> 00:21:21,939 Suze: of when to buy more. 317 00:21:22,859 --> 00:21:26,290 Suze: When to skip it, when to sell, and that's what 318 00:21:26,290 --> 00:21:30,458 Suze: the value path investor is going to give you. So 319 00:21:30,459 --> 00:21:34,649 Suze: it's going to be my value path. All right, that 320 00:21:34,650 --> 00:21:35,819 Suze: is an update 321 00:21:36,729 --> 00:21:42,099 Suze: on the stock market. Let's briefly hear talk about Bitcoin 322 00:21:42,099 --> 00:21:44,800 Suze: because a lot of you are asking me why do 323 00:21:44,800 --> 00:21:48,890 Suze: I invest in an ETF rather than just buying like 324 00:21:48,890 --> 00:21:54,040 Suze: through Coinbase, Bitcoin directly or through PayPal Bitcoin directly. 325 00:21:55,069 --> 00:21:59,459 Suze: Because the truth is, if you just buy the Bitcoin itself, 326 00:21:59,750 --> 00:22:04,239 Suze: you would make a better return on it because Bitcoin 327 00:22:04,239 --> 00:22:08,829 Suze: itself moves faster than the ETF of Bitcoin. 328 00:22:09,300 --> 00:22:14,459 Suze: And the reason everybody that I feel much better buying IBIT, 329 00:22:14,569 --> 00:22:19,530 Suze: the ETF, rather than Bitcoin directly is I've had too 330 00:22:19,530 --> 00:22:25,650 Suze: many people even with Coinbase that have had their Bitcoin stolen. 331 00:22:26,290 --> 00:22:30,790 Suze: And because there's nothing really physical, so to speak, backing it, 332 00:22:31,040 --> 00:22:35,280 Suze: there's no insurance backing it. There's nothing like FDIC, where 333 00:22:35,280 --> 00:22:37,520 Suze: if your money in a bank happens to go down 334 00:22:37,520 --> 00:22:40,599 Suze: or a credit union, the NCUA, you get your money 335 00:22:40,599 --> 00:22:44,630 Suze: back up to a certain amount. That isn't true with Bitcoin. 336 00:22:44,920 --> 00:22:50,069 Suze: So when something happens and somebody steals your Bitcoin, guess what? 337 00:22:51,040 --> 00:22:53,680 Suze: You're not going to get it back. I don't like it. 338 00:22:54,160 --> 00:22:56,390 Suze: And the companies, believe it or not, aren't going to 339 00:22:56,390 --> 00:22:58,589 Suze: help you get it back because they don't know how, 340 00:22:58,599 --> 00:23:02,510 Suze: in my opinion, to help you get it back. So 341 00:23:02,510 --> 00:23:07,430 Suze: with the progression of artificial intelligence and all these computers 342 00:23:07,430 --> 00:23:12,030 Suze: and everything, I think things are more easily done today 343 00:23:12,030 --> 00:23:17,910 Suze: like stealing Bitcoin than even in the past. Therefore, I 344 00:23:17,910 --> 00:23:19,819 Suze: feel more comfortable with IBit. 345 00:23:20,449 --> 00:23:24,410 Suze: Which is an ETF by BlackRock where they can control 346 00:23:24,410 --> 00:23:27,280 Suze: all that and they'll be fine with that. 347 00:23:28,130 --> 00:23:33,030 Suze: So that is the reason why. Also, you'll notice by 348 00:23:33,030 --> 00:23:38,109 Suze: the way, um, the symbol INDA in the ETFs that 349 00:23:38,109 --> 00:23:42,510 Suze: I gave you, that's the ETF of India, and I 350 00:23:42,510 --> 00:23:48,349 Suze: do think over time India is going to emerge economically 351 00:23:48,349 --> 00:23:51,030 Suze: speaking as one of our leaders. 352 00:23:51,469 --> 00:23:56,270 Suze: As a really developed country, believe it or not, and 353 00:23:56,270 --> 00:24:00,790 Suze: so therefore that's why I put that in there. So 354 00:24:01,109 --> 00:24:05,948 Suze: Bitcoin has been going from the mid 90s up to 355 00:24:05,949 --> 00:24:11,260 Suze: the 100,000 and whatever on the Women and Money community app, 356 00:24:11,510 --> 00:24:16,510 Suze: I put out an announcement that I think during this 357 00:24:16,510 --> 00:24:20,709 Suze: time that it is possible short term anyway. 358 00:24:20,979 --> 00:24:25,290 Suze: That Bitcoin can stay around right where it is trading 359 00:24:25,290 --> 00:24:28,969 Suze: here going up, going down, but it also is possible 360 00:24:28,969 --> 00:24:32,458 Suze: that it could go back down to its support level 361 00:24:32,770 --> 00:24:39,849 Suze: of approximately $84,500. Right now it's about $97,000. 362 00:24:40,530 --> 00:24:44,750 Suze: And what is the support level? It's a level that 363 00:24:44,750 --> 00:24:49,149 Suze: when something is fluctuating, it tends to go down to 364 00:24:49,150 --> 00:24:52,310 Suze: a place where it was really strong. It was supported 365 00:24:52,310 --> 00:24:58,349 Suze: at that level, and that's $84,500 a bitcoin. 366 00:24:58,880 --> 00:25:02,670 Suze: If it breaks the support level, it continues down below it. 367 00:25:02,920 --> 00:25:08,239 Suze: The next support level is 73,800. Now I do not 368 00:25:08,239 --> 00:25:11,199 Suze: know if Bitcoin's going to go up or down. It's 369 00:25:11,199 --> 00:25:15,718 Suze: impossible to know, but I do think right now in 370 00:25:15,719 --> 00:25:16,280 Suze: its trade. 371 00:25:16,685 --> 00:25:19,734 Suze: Range that you might see it go up to 100 372 00:25:19,734 --> 00:25:22,935 Suze: and then back down again or whatever it's possible it 373 00:25:22,935 --> 00:25:27,334 Suze: could go to 84,000 whatever. So if you're investing in 374 00:25:27,334 --> 00:25:31,974 Suze: Ibit do it little by little and watch to see 375 00:25:31,974 --> 00:25:34,094 Suze: where it goes. 376 00:25:34,619 --> 00:25:36,849 Suze: So that's what I think about Bitcoin, but I do 377 00:25:36,849 --> 00:25:39,979 Suze: think in the long run you should absolutely with money 378 00:25:39,979 --> 00:25:43,290 Suze: you can afford to lose, be buying it. I think 379 00:25:43,290 --> 00:25:47,689 Suze: you will see it go to at least 125,000 a Bitcoin. 380 00:25:47,939 --> 00:25:54,300 Suze: In my opinion, Bitcoin has taken hold. OK, real estate. 381 00:25:54,709 --> 00:25:58,089 Suze: I think that the interest for mortgages for real estate 382 00:25:58,089 --> 00:26:00,890 Suze: are going to be stuck right around here. We're not 383 00:26:00,890 --> 00:26:04,929 Suze: going to go back to them below 6% in my opinion. 384 00:26:05,010 --> 00:26:07,680 Suze: They're not going to go back to 4% or 3%. 385 00:26:07,969 --> 00:26:11,649 Suze: So you have all these people again that own all 386 00:26:11,650 --> 00:26:14,250 Suze: this real estate with a low interest rate that they're 387 00:26:14,250 --> 00:26:18,079 Suze: just going to stay put, so we still don't have 388 00:26:18,079 --> 00:26:21,250 Suze: the supply that's needed for people who want to buy. 389 00:26:21,599 --> 00:26:25,410 Suze: I do think, however, if we're just patient in everything, 390 00:26:25,660 --> 00:26:29,540 Suze: I think real estate will absolutely loosen up by the 391 00:26:29,540 --> 00:26:33,290 Suze: end of this year, and then we'll see what happens there. 392 00:26:33,540 --> 00:26:36,979 Suze: But obviously if you have a home now and you 393 00:26:36,979 --> 00:26:40,379 Suze: want to buy, fine, but I think it's still going 394 00:26:40,380 --> 00:26:43,579 Suze: to be a market that's very difficult for a lot 395 00:26:43,579 --> 00:26:46,260 Suze: of people to get into because of the price of 396 00:26:46,260 --> 00:26:49,099 Suze: real estate, which I think is pretty much going to 397 00:26:49,099 --> 00:26:50,459 Suze: stay right around here. 398 00:26:50,829 --> 00:26:55,150 Suze: And the mortgage rates for people to get into it 399 00:26:55,680 --> 00:27:00,280 Suze: in terms of bonds, well, I don't think interest rates 400 00:27:00,280 --> 00:27:02,829 Suze: are really going to go down that much anymore. 401 00:27:03,319 --> 00:27:06,819 Suze: But I also think because of that you never know 402 00:27:06,819 --> 00:27:10,149 Suze: when they could go up, so I'm still going to 403 00:27:10,150 --> 00:27:13,660 Suze: stick by what I think is important is that you 404 00:27:13,660 --> 00:27:16,180 Suze: can go short term now if you want. I don't 405 00:27:16,180 --> 00:27:18,329 Suze: have a problem with you doing the 6 month or 406 00:27:18,329 --> 00:27:21,979 Suze: the 12 month CD at Alliant Credit Union or 3 407 00:27:21,979 --> 00:27:25,420 Suze: to 5 year treasuries or whatever you want, but I'd 408 00:27:25,420 --> 00:27:28,218 Suze: be a little hesitant, believe it or not, to go 409 00:27:28,219 --> 00:27:30,660 Suze: long term at this point in time. 410 00:27:30,930 --> 00:27:34,030 Suze: I know I was a very big advocate of 30 411 00:27:34,030 --> 00:27:38,579 Suze: year bonds last year, but the feds changed course on us, 412 00:27:38,589 --> 00:27:41,900 Suze: and you have to be willing to go with the flow, 413 00:27:41,910 --> 00:27:45,469 Suze: and that is the new flow. So there's nothing wrong 414 00:27:45,469 --> 00:27:48,380 Suze: if you bought them and you're getting an OK interest rate, 415 00:27:48,469 --> 00:27:49,270 Suze: no problem. 416 00:27:49,790 --> 00:27:53,030 Suze: Hopefully that was with money that you didn't need or 417 00:27:53,030 --> 00:27:55,459 Suze: wanted for a period of time and then we'll just 418 00:27:55,459 --> 00:27:59,229 Suze: have to see what happens cause you never know what 419 00:27:59,229 --> 00:28:05,339 Suze: can happen when it comes to interest rates, real estate, bonds, 420 00:28:05,469 --> 00:28:09,380 Suze: the stock market, and last but not least, gold. 421 00:28:09,709 --> 00:28:11,869 Suze: I still think it's OK to have a little bit 422 00:28:11,869 --> 00:28:16,238 Suze: of gold in your portfolio. Gold seems strong here, so 423 00:28:16,239 --> 00:28:18,719 Suze: if you want to do so, why not? You can 424 00:28:18,719 --> 00:28:22,959 Suze: do the ETF in gold as well, which is GLD, 425 00:28:23,319 --> 00:28:25,910 Suze: but just with a small amount of money. 426 00:28:26,680 --> 00:28:29,270 Suze: In summarizing this Suze School. 427 00:28:30,150 --> 00:28:33,149 Suze: How are you going to make your money, make more 428 00:28:33,150 --> 00:28:40,630 Suze: money by being involved, investing it little by little, for 429 00:28:40,630 --> 00:28:44,900 Suze: those of you who own, especially the stocks that I named, 430 00:28:45,189 --> 00:28:49,030 Suze: you stick with those stocks. You stick with them. 431 00:28:49,560 --> 00:28:58,430 Suze: Apple, Palantir, Microsoft, all of them. Tesla, fabulous, fabulous stocks. 432 00:28:58,439 --> 00:29:02,579 Suze: Do you hear me? So don't listen to all the 433 00:29:02,579 --> 00:29:07,260 Suze: hubbub out there. Just stick with them over the long run. 434 00:29:08,790 --> 00:29:13,189 Suze: Make your money, make more money. You do it over time. 435 00:29:14,089 --> 00:29:16,689 Suze: Not feeling so great when all of a sudden you 436 00:29:16,689 --> 00:29:19,609 Suze: have a 50% gain and then you sell and then 437 00:29:19,609 --> 00:29:21,729 Suze: what are you going to do besides pay taxes on 438 00:29:21,729 --> 00:29:25,199 Suze: it outside of a retirement account and by the way, 439 00:29:25,849 --> 00:29:30,530 Suze: this is January. This is the month that all of 440 00:29:30,530 --> 00:29:35,089 Suze: you should be opening your Roth IRAs if you qualify 441 00:29:35,089 --> 00:29:40,410 Suze: for it for 2025 and if you can fund them 442 00:29:40,410 --> 00:29:41,800 Suze: to the fullest. 443 00:29:42,319 --> 00:29:46,630 Suze: Because the longer that money is invested in a Roth IRA, 444 00:29:46,729 --> 00:29:50,319 Suze: the more you will make over time. 445 00:29:51,489 --> 00:29:56,410 Suze: Those are my projections for 2025. I think the markets 446 00:29:56,410 --> 00:29:58,170 Suze: are going to be up and down and all over 447 00:29:58,170 --> 00:30:02,959 Suze: the place, but I do think that come 2026, 448 00:30:03,890 --> 00:30:04,209 Speaker 1: whoa, 449 00:30:04,369 --> 00:30:07,250 Suze: that's what I have to say. But in the meantime, 450 00:30:08,089 --> 00:30:09,500 Suze: May you all 451 00:30:10,550 --> 00:30:15,949 Suze: make your money, make more money, and if you do that, oh, 452 00:30:16,109 --> 00:30:19,260 Suze: you will be unstoppable.