1 00:00:28,879 --> 00:00:33,159 Suze: May 18, 2025. Welcome everybody to the Women and Money 2 00:00:33,159 --> 00:00:38,150 Suze: podcast as well as everybody smart enough to listen. Suze O here, 3 00:00:39,000 --> 00:00:43,278 Suze: and today is Suze School. So get out your little 4 00:00:43,279 --> 00:00:47,389 Suze: Suze notebooks, although by now they should be fat little things. 5 00:00:47,639 --> 00:00:50,000 Suze: But what's so great about a podcast is you can 6 00:00:50,000 --> 00:00:53,240 Suze: always go back, listen to it again, read the transcripts 7 00:00:53,240 --> 00:00:57,840 Suze: if I happen to be confusing you on something anyway. 8 00:00:58,509 --> 00:01:02,240 Suze: Today's podcast, Suze School, is all about the stock market 9 00:01:02,770 --> 00:01:07,889 Suze: and investments as well as compounding and things for you 10 00:01:07,889 --> 00:01:13,080 Suze: to understand, obviously. So before I go into the stock market, 11 00:01:13,330 --> 00:01:15,289 Suze: I want to go into a little bit of a 12 00:01:15,290 --> 00:01:19,209 Suze: Suze Story about what I did with my own money. 13 00:01:19,809 --> 00:01:22,970 Suze: Now I wasn't always good with money, you know, the 14 00:01:22,970 --> 00:01:25,569 Suze: story about how I was in credit card debt and 15 00:01:25,569 --> 00:01:28,650 Suze: blah blah blah blah, and when I finally started to 16 00:01:28,650 --> 00:01:33,529 Suze: make money, I didn't quite trust myself, and I wanted 17 00:01:33,529 --> 00:01:37,199 Suze: to just commit to a certain amount of money every 18 00:01:37,199 --> 00:01:42,010 Suze: single month and just put it in to this one investment. 19 00:01:42,309 --> 00:01:45,290 Suze: And no matter what, and this was 40 years ago, 20 00:01:45,580 --> 00:01:51,059 Suze: put in $700 a month into this annuity that American 21 00:01:51,059 --> 00:01:54,180 Suze: Express happened to be offering that at the time was 22 00:01:54,180 --> 00:01:55,410 Suze: at 5%. 23 00:01:56,059 --> 00:01:59,000 Suze: And I thought, OK, but at least they'll bill me 24 00:01:59,000 --> 00:02:02,449 Suze: for it every single month as part of my American 25 00:02:02,449 --> 00:02:06,209 Suze: Express card, and I have to pay it and I 26 00:02:06,209 --> 00:02:08,770 Suze: have to come up with it, so that will be 27 00:02:08,770 --> 00:02:14,758 Suze: my discipline of saving, and I did for 40 years now. 28 00:02:15,008 --> 00:02:21,199 Suze: I have put in $700 a month, and it has 29 00:02:21,199 --> 00:02:22,970 Suze: always made 5%. 30 00:02:23,440 --> 00:02:26,919 Suze: Because that was the minimum guaranteed interest that they were 31 00:02:26,919 --> 00:02:27,960 Suze: going to pay. 32 00:02:28,750 --> 00:02:34,470 Suze: Do you know that after putting in $8400 a year 33 00:02:34,470 --> 00:02:41,460 Suze: for 40 years, which is really a total of $336,000 34 00:02:41,990 --> 00:02:45,229 Suze: that is how much I have put into that annuity. 35 00:02:46,220 --> 00:02:51,679 Suze: That today it is worth over $1 million. That that 36 00:02:51,679 --> 00:02:59,079 Suze: annuity has earned $705,000 in interest. I want you to 37 00:02:59,080 --> 00:03:04,639 Suze: think about this. I still put in $8400 a year. 38 00:03:05,710 --> 00:03:12,609 Suze: And right now that annuity earns $50,000 a year in interest. 39 00:03:13,869 --> 00:03:18,728 Suze: Do you see how compounding my money is making interest? 40 00:03:18,919 --> 00:03:23,690 Suze: That interest is making interest, and over 40 years now 41 00:03:24,020 --> 00:03:29,179 Suze: I have $1 million in that annuity, and I'm not 42 00:03:29,179 --> 00:03:32,538 Suze: going to stop. I'll just continue to do it. American 43 00:03:32,538 --> 00:03:36,820 Suze: Express continues to bill me $700 on my Amex card. 44 00:03:37,559 --> 00:03:43,710 Suze: But that is how true wealth is built little by little, 45 00:03:44,000 --> 00:03:49,199 Suze: month by month, you don't hit it big overnight, and 46 00:03:49,199 --> 00:03:53,320 Suze: I've done the same with many of my investments. So 47 00:03:53,320 --> 00:03:58,800 Suze: the question really becomes for today's Suze School is what 48 00:03:58,800 --> 00:04:01,320 Suze: kind of investor are you? 49 00:04:02,259 --> 00:04:06,199 Suze: What is your game plan? Are you somebody that just 50 00:04:06,199 --> 00:04:08,869 Suze: wants to hit it big? You make a lot of money, 51 00:04:08,960 --> 00:04:11,880 Suze: you sell, you get back in, you're doing this, or 52 00:04:11,880 --> 00:04:17,988 Suze: do you want to be consistently building wealth for yourself? 53 00:04:18,238 --> 00:04:21,600 Suze: And if the answer is you want to consistently build 54 00:04:21,600 --> 00:04:26,029 Suze: wealth for yourself, then your game plan has to be 55 00:04:26,678 --> 00:04:29,720 Suze: one of savings versus consumption. 56 00:04:30,230 --> 00:04:35,700 Suze: Understanding what money is really for, and a lot of 57 00:04:35,700 --> 00:04:38,619 Suze: you think, oh, money is for buying a new car, 58 00:04:38,790 --> 00:04:42,709 Suze: a bigger house, designer brand clothes, games and things for 59 00:04:42,709 --> 00:04:43,899 Suze: my kids, no. 60 00:04:45,040 --> 00:04:50,190 Suze: The truth of the matter is money is for savings. 61 00:04:50,309 --> 00:04:53,750 Suze: It's for savings for the day that you can no 62 00:04:53,750 --> 00:04:57,190 Suze: longer work and bring in the money to support what 63 00:04:57,190 --> 00:04:59,829 Suze: it takes for you to live. Obviously for you to 64 00:04:59,829 --> 00:05:03,390 Suze: have enjoyment and things like that, but your main goal 65 00:05:03,390 --> 00:05:08,979 Suze: of it, everybody, really needs to be savings to watch 66 00:05:08,980 --> 00:05:12,269 Suze: it grow cause you never ever know in life. 67 00:05:13,130 --> 00:05:17,479 Suze: When something can happen and you no longer can work, 68 00:05:17,649 --> 00:05:19,809 Suze: you no longer have that job that you thought you 69 00:05:19,809 --> 00:05:22,649 Suze: were going to have forever. You no longer have the 70 00:05:22,649 --> 00:05:28,450 Suze: home that you owned outright in California and your insurance 71 00:05:28,450 --> 00:05:33,649 Suze: company happened to cancel you one month before the fires 72 00:05:33,649 --> 00:05:35,049 Suze: hit a little bit ago. 73 00:05:35,399 --> 00:05:37,670 Suze: And that was everything that you had. It was a 74 00:05:37,670 --> 00:05:40,489 Suze: multi-million dollar home. You thought you were going to be 75 00:05:40,488 --> 00:05:44,290 Suze: OK forever and now you have nothing. 76 00:05:45,519 --> 00:05:50,359 Suze: So today's podcast really is about how do you build 77 00:05:50,359 --> 00:05:52,709 Suze: something out of nothing. 78 00:05:53,359 --> 00:05:58,549 Suze: And you build it one paycheck at a time, one 79 00:05:58,549 --> 00:06:02,329 Suze: investment at a time, one savings account at a time, 80 00:06:02,589 --> 00:06:06,059 Suze: getting out of debt, one credit card at a time. 81 00:06:07,079 --> 00:06:08,799 Suze: Cause it's over time, 82 00:06:09,549 --> 00:06:12,890 Suze: that true wealth can be built. 83 00:06:13,678 --> 00:06:17,480 Suze: Let's now take that concept and let's put it towards 84 00:06:17,480 --> 00:06:19,510 Suze: the stock market right now. 85 00:06:20,339 --> 00:06:24,839 Suze: Because a lot of you are thinking, oh, I need 86 00:06:24,839 --> 00:06:29,380 Suze: to lighten up on my investments here in the United 87 00:06:29,380 --> 00:06:32,739 Suze: States because the United States is going down. I can't 88 00:06:32,738 --> 00:06:36,700 Suze: trust anything here. I'm afraid of it here, and I 89 00:06:36,700 --> 00:06:40,980 Suze: want to start putting my money overseas. Now you heard 90 00:06:40,980 --> 00:06:45,100 Suze: me say a little bit ago that diversification was key. 91 00:06:45,769 --> 00:06:51,070 Suze: But I didn't mean to diversify outside of the United States. 92 00:06:51,640 --> 00:06:55,909 Suze: I meant to diversify within the United States the type 93 00:06:55,910 --> 00:06:59,839 Suze: of stocks you own, the ETFs that you own, the 94 00:06:59,839 --> 00:07:03,049 Suze: real estate that you own, the gold that you own, 95 00:07:03,200 --> 00:07:06,920 Suze: the bonds that you own, all of those things. 96 00:07:07,600 --> 00:07:11,630 Suze: And so many of you have really taken what I 97 00:07:11,630 --> 00:07:16,250 Suze: said to heart in the wrong, wrong way. So let's 98 00:07:16,250 --> 00:07:19,989 Suze: straighten it out right now. What do I think is 99 00:07:19,989 --> 00:07:22,910 Suze: going to happen here in the United States when it 100 00:07:22,910 --> 00:07:26,309 Suze: comes to the stock market? I think over the next 101 00:07:26,309 --> 00:07:29,390 Suze: 2 or 3 weeks, as I said, the roller coaster 102 00:07:29,390 --> 00:07:33,828 Suze: rides will continue, and you might see that these markets 103 00:07:33,829 --> 00:07:36,630 Suze: go down for the next 2 or 3 weeks. OK. 104 00:07:37,179 --> 00:07:40,119 Suze: But after that, all the way through the end of 105 00:07:40,119 --> 00:07:44,720 Suze: this year, the very beginning of 2026, I think you 106 00:07:44,720 --> 00:07:50,589 Suze: are going to see the stock market absolutely skyrocket. That 107 00:07:50,589 --> 00:07:55,399 Suze: is what I think. We have now since 2009, been 108 00:07:55,399 --> 00:08:00,480 Suze: in what's called a secular bull market. Obviously a bull 109 00:08:00,480 --> 00:08:03,119 Suze: market is one that goes straight up. 110 00:08:04,119 --> 00:08:09,149 Suze: A bear market is one that goes straight down. Secular 111 00:08:09,149 --> 00:08:10,739 Suze: meaning long term. 112 00:08:11,339 --> 00:08:15,769 Suze: A secular bull market is a market that can last 113 00:08:15,769 --> 00:08:20,839 Suze: for 18 years, 20 years, even longer, where the overall 114 00:08:20,839 --> 00:08:22,260 Suze: trend is up. 115 00:08:22,980 --> 00:08:27,410 Suze: But the overall trend can be disrupted by something known 116 00:08:27,410 --> 00:08:32,559 Suze: as a cyclical bear market where the market goes down 117 00:08:32,559 --> 00:08:36,159 Suze: for a period of time, and it is absolutely possible 118 00:08:36,409 --> 00:08:41,729 Suze: that the market could go down 10 or 20% or more. 119 00:08:42,109 --> 00:08:47,419 Suze: And then it resumes its upward trend. So overall, the 120 00:08:47,419 --> 00:08:52,198 Suze: upward trend in my opinion is still up because we're 121 00:08:52,198 --> 00:08:58,408 Suze: in a secular bull market. Now within the secular bull market, 122 00:08:58,499 --> 00:09:04,629 Suze: obviously there are different sectors that will absolutely go more 123 00:09:04,658 --> 00:09:05,619 Suze: than others. 124 00:09:06,109 --> 00:09:09,090 Suze: If you look at the stocks, I think you will 125 00:09:09,090 --> 00:09:14,409 Suze: find that large growth stocks are stocks that increase in 126 00:09:14,409 --> 00:09:19,409 Suze: price these coming next few months. Many of the magnificent seven, 127 00:09:19,489 --> 00:09:24,880 Suze: not all, will participate. Some of the fang stocks will participate. 128 00:09:24,969 --> 00:09:27,489 Suze: Do you even remember what they are? If you don't 129 00:09:27,489 --> 00:09:31,080 Suze: remember what they are, you should look them up. But anyway, 130 00:09:31,690 --> 00:09:34,130 Suze: I think they will participate. 131 00:09:34,419 --> 00:09:38,760 Suze: I don't exactly think that value stocks will participate or 132 00:09:38,760 --> 00:09:42,439 Suze: small cap stocks right now, but I do think large 133 00:09:42,440 --> 00:09:44,679 Suze: growth stocks will do it now. 134 00:09:45,619 --> 00:09:46,890 Suze: With that said, 135 00:09:47,559 --> 00:09:50,500 Suze: I said stocks. I didn't say stock. 136 00:09:51,450 --> 00:09:55,760 Suze: Again, what's aggravating me are people are asking me, Suze, 137 00:09:56,169 --> 00:09:58,289 Suze: just give me the name of one other stock that 138 00:09:58,289 --> 00:10:00,840 Suze: you think's going to go up big like Palantir did. 139 00:10:01,330 --> 00:10:07,369 Suze: Are you kidding me? One stock, 3 stocks, 5 stocks 140 00:10:07,369 --> 00:10:12,090 Suze: does not a portfolio make. If you are going to 141 00:10:12,090 --> 00:10:16,260 Suze: be investing in the stock market in individual stocks, you 142 00:10:16,260 --> 00:10:19,080 Suze: best listen to me very, very carefully right now. 143 00:10:19,690 --> 00:10:23,960 Suze: You need to have at least 25, maybe even 50 144 00:10:24,909 --> 00:10:30,369 Suze: individual stocks so that you could have true diversification. I 145 00:10:30,369 --> 00:10:33,289 Suze: have over 100 stocks that I own. 146 00:10:34,150 --> 00:10:38,179 Suze: And I do have true diversification, and I do that 147 00:10:38,179 --> 00:10:43,179 Suze: rather than exchange traded funds because I watch my stocks 148 00:10:43,179 --> 00:10:46,819 Suze: every day. I do option strategies on the stocks and 149 00:10:46,820 --> 00:10:50,460 Suze: I'm very active with them. But if that's not you 150 00:10:50,460 --> 00:10:52,869 Suze: and the majority of you, it's not you. 151 00:10:53,320 --> 00:10:56,199 Suze: One of the best ways to invest is through an 152 00:10:56,200 --> 00:11:02,070 Suze: index ETF. Many of you have spiders, SPY, the Standard 153 00:11:02,070 --> 00:11:07,829 Suze: Poor's 500 index, or VOO or VTI Vanguard total Index ETF. 154 00:11:08,119 --> 00:11:13,919 Suze: You have that diversification. But what's interesting about those ETFs, 155 00:11:13,960 --> 00:11:15,400 Suze: now listen to me closely. 156 00:11:16,190 --> 00:11:22,789 Suze: They're really a blend of stocks. They're not all large 157 00:11:22,789 --> 00:11:27,150 Suze: cap growth stocks. They're both growth and value like the 158 00:11:27,150 --> 00:11:32,989 Suze: spider SPY is a large cap blended ETF where you 159 00:11:32,989 --> 00:11:37,669 Suze: have about 23% is of growth stocks, 48% may be 160 00:11:37,669 --> 00:11:42,989 Suze: blended stocks of both, maybe 29% is value, so you 161 00:11:42,989 --> 00:11:44,979 Suze: have a combination there. 162 00:11:45,400 --> 00:11:49,520 Suze: Now I think what's good about owning ETFs like that 163 00:11:49,799 --> 00:11:52,039 Suze: is that even though what we're going to see, in 164 00:11:52,039 --> 00:11:56,799 Suze: my opinion is that the move truly be in large 165 00:11:56,799 --> 00:12:02,429 Suze: growth stocks through the beginning of 26 or end of 25, 166 00:12:02,679 --> 00:12:05,880 Suze: then I think that you might see it switch to 167 00:12:05,880 --> 00:12:12,080 Suze: value stocks. So every cycle different stocks have a run. 168 00:12:12,539 --> 00:12:14,869 Suze: So to make sure that you're safe and you don't 169 00:12:14,869 --> 00:12:17,239 Suze: come out and go, OK, now it's time for me 170 00:12:17,239 --> 00:12:20,239 Suze: to get out of large growth stocks and go into 171 00:12:20,239 --> 00:12:24,400 Suze: value stocks. No, that's when you have like a blended 172 00:12:24,400 --> 00:12:30,159 Suze: ETF like SPY or VOO or whatever it may be 173 00:12:30,159 --> 00:12:33,270 Suze: so that no matter what's happening in the market, you 174 00:12:33,270 --> 00:12:34,919 Suze: are participating. 175 00:12:35,679 --> 00:12:41,079 Suze: However, if you would like to only have an ETF 176 00:12:41,080 --> 00:12:47,079 Suze: that specializes in growth, you could always do the SPYG, 177 00:12:47,119 --> 00:12:50,440 Suze: that is the symbol, which is the Standard and Poor's 178 00:12:50,440 --> 00:12:56,320 Suze: growth ETF or the Vanguard growth, which is VUG, and 179 00:12:56,320 --> 00:13:00,909 Suze: those are ETFs that are made up 100% of your growth. 180 00:13:01,159 --> 00:13:02,959 Suze: So you might want to mix a little bit in 181 00:13:02,960 --> 00:13:04,000 Suze: that for now. 182 00:13:04,330 --> 00:13:10,580 Suze: But overall, a blended area is just fine for you. 183 00:13:11,479 --> 00:13:15,919 Suze: Now with that said, I think it is possible that 184 00:13:15,919 --> 00:13:19,000 Suze: you will see these markets go up again to the 185 00:13:19,000 --> 00:13:22,799 Suze: beginning of 26 or the end of 25. Then I 186 00:13:22,799 --> 00:13:25,119 Suze: would not be shocked if it went all the way 187 00:13:25,119 --> 00:13:28,599 Suze: back down again to where they were in April, could 188 00:13:28,599 --> 00:13:31,400 Suze: go back down S&P to 4500. 189 00:13:32,010 --> 00:13:35,840 Suze: And stay there for a while and then eventually resume 190 00:13:35,840 --> 00:13:38,479 Suze: and go all the way back up again. Do I 191 00:13:38,479 --> 00:13:41,690 Suze: think it's possible that you could even see 7000 on 192 00:13:41,690 --> 00:13:43,640 Suze: the S&P 500? I do. 193 00:13:44,460 --> 00:13:47,940 Suze: But you have to be in it for the long run, 194 00:13:48,179 --> 00:13:50,299 Suze: remember to build wealth. 195 00:13:50,979 --> 00:13:54,799 Suze: And so the biggest mistake that you can make seriously 196 00:13:55,369 --> 00:13:58,689 Suze: is if you're in this, you see it go up, 197 00:13:58,770 --> 00:14:01,650 Suze: let's just say, to 6 or 7000 at the end 198 00:14:01,650 --> 00:14:05,289 Suze: of this year, and you're just so happy and you 199 00:14:05,289 --> 00:14:08,099 Suze: watch it go all the way down again maybe to 200 00:14:08,099 --> 00:14:12,090 Suze: 4500 if that happens and you freak out and that's 201 00:14:12,090 --> 00:14:16,169 Suze: where you sell. Do you remember last week I gave 202 00:14:16,169 --> 00:14:18,200 Suze: you an emotional quiz? 203 00:14:18,789 --> 00:14:22,830 Suze: If you scored low on that quiz, that means you 204 00:14:22,830 --> 00:14:26,059 Suze: buy at the wrong time, you sell at the wrong time, 205 00:14:26,229 --> 00:14:31,030 Suze: your emotions dictate what you do. The biggest mistake you 206 00:14:31,030 --> 00:14:34,669 Suze: can make is watch it go from 6000 all the 207 00:14:34,669 --> 00:14:37,229 Suze: way down to 4500, and that's where you sell. 208 00:14:37,969 --> 00:14:41,169 Suze: If you think those are your tendencies, then fine, sell 209 00:14:41,169 --> 00:14:45,289 Suze: at 6000 and see what happens, cause who knows, maybe 210 00:14:45,289 --> 00:14:48,289 Suze: it will continue up, maybe it will go down or 211 00:14:48,289 --> 00:14:51,859 Suze: sell half. But if you've decided that you are in 212 00:14:51,859 --> 00:14:55,849 Suze: this for the long run, you continue to dollar cost 213 00:14:55,849 --> 00:14:57,799 Suze: average as it goes all the way down. 214 00:14:58,340 --> 00:15:00,849 Suze: And then watch it go all the way up and 215 00:15:00,849 --> 00:15:05,289 Suze: just keep doing it and have your money compound like 216 00:15:05,289 --> 00:15:10,119 Suze: the example that I gave you with my annuity. All right, everybody, 217 00:15:10,409 --> 00:15:15,130 Suze: so that's what I think is going to happen now. 218 00:15:15,799 --> 00:15:19,630 Suze: What's interesting is that I do think if you look 219 00:15:19,630 --> 00:15:22,369 Suze: at bonds, let's talk about them for a second here, 220 00:15:22,539 --> 00:15:25,979 Suze: bonds are just in limbo here. They don't even know 221 00:15:25,979 --> 00:15:29,400 Suze: what they're doing. I think it is totally probable and 222 00:15:29,400 --> 00:15:34,289 Suze: possible that you could see the 10 year go to 5%, 223 00:15:34,340 --> 00:15:36,380 Suze: but I don't think you're going to see it go 224 00:15:36,380 --> 00:15:39,780 Suze: a whole lot higher than that. But bonds seem to 225 00:15:39,780 --> 00:15:41,770 Suze: be on the rise right now. 226 00:15:42,070 --> 00:15:44,729 Suze: I think if we just look at gold briefly here, 227 00:15:44,979 --> 00:15:47,859 Suze: gold obviously is on its way down a little bit. 228 00:15:48,380 --> 00:15:53,369 Suze: You saw it at 3500. Now it's around 3200. I 229 00:15:53,369 --> 00:15:57,250 Suze: think gold is a safe haven, believe it or not. 230 00:15:57,700 --> 00:16:01,179 Suze: I think many, many people will feel safe there. I 231 00:16:01,179 --> 00:16:04,340 Suze: think if it goes below 3000, which it might, if 232 00:16:04,340 --> 00:16:07,109 Suze: you want to accumulate a little bit more, you can. 233 00:16:07,349 --> 00:16:11,179 Suze: I think you are better off investing in the ETF 234 00:16:11,179 --> 00:16:16,820 Suze: GLD versus the miners now GOLD. The miner stocks just 235 00:16:16,820 --> 00:16:20,609 Suze: are not really functioning the way that they should be, 236 00:16:21,219 --> 00:16:24,539 Suze: so that's just something to know about there. 237 00:16:25,369 --> 00:16:28,559 Suze: And let's talk about oil for one second here. You know, 238 00:16:28,640 --> 00:16:32,719 Suze: here's the truth of the matter is that oil obviously 239 00:16:32,719 --> 00:16:38,359 Suze: peaked when Russia attacked Ukraine in March of 2022. Do 240 00:16:38,359 --> 00:16:43,799 Suze: you remember this? It was at $130 a barrel, and 241 00:16:43,799 --> 00:16:47,159 Suze: ever since then you've been seeing it go down and 242 00:16:47,159 --> 00:16:48,359 Suze: down and down. 243 00:16:48,640 --> 00:16:53,059 Suze: And recently it was at $55 a barrel, so a 244 00:16:53,059 --> 00:16:55,969 Suze: lot of you that are still in energy stocks and everything, 245 00:16:56,219 --> 00:16:58,299 Suze: you're a little freaked about it, however, 246 00:16:58,679 --> 00:17:01,989 Suze: here's what I want you all to understand is that 247 00:17:01,989 --> 00:17:05,989 Suze: the demand for oil, whether you want it to or not, 248 00:17:06,310 --> 00:17:11,589 Suze: continues to grow, and that's because there are more emerging 249 00:17:11,589 --> 00:17:16,660 Suze: economies that are out there, and they are increasingly demanding 250 00:17:16,660 --> 00:17:18,669 Suze: the use of oil. 251 00:17:19,219 --> 00:17:22,270 Suze: So as much as I personally would like to see 252 00:17:22,479 --> 00:17:26,629 Suze: the green dream come a reality, I just don't think 253 00:17:26,630 --> 00:17:30,238 Suze: it's possible. I look at the blackouts that recently were 254 00:17:30,239 --> 00:17:34,750 Suze: in Spain as well as Europe across their entire electric grid, 255 00:17:34,880 --> 00:17:39,010 Suze: so wind and solar, it's just not stable. 256 00:17:39,630 --> 00:17:43,290 Suze: And it just creates too much of energy at a 257 00:17:43,290 --> 00:17:46,688 Suze: point in time or not enough, so I think it 258 00:17:46,689 --> 00:17:51,438 Suze: is very possible and probable that over the next two years, 259 00:17:51,689 --> 00:17:55,130 Suze: do not be surprised if you see energy stocks and 260 00:17:55,130 --> 00:17:59,410 Suze: everything go back up and you see oil at about 100. 261 00:17:59,714 --> 00:18:04,405 Suze: And $50 a barrel or higher, so it's still too 262 00:18:04,405 --> 00:18:08,864 Suze: early in my opinion to go into energy stocks, but 263 00:18:08,864 --> 00:18:11,785 Suze: there will come a day where you want to invest 264 00:18:11,785 --> 00:18:14,454 Suze: again in energy stocks, and I think that will be 265 00:18:14,454 --> 00:18:19,344 Suze: in around 2026. So just be patient there. 266 00:18:20,229 --> 00:18:22,910 Suze: And one last thing that I want to touch on, 267 00:18:23,130 --> 00:18:25,679 Suze: which is Bitcoin. Listen. 268 00:18:26,390 --> 00:18:29,339 Suze: I know that I've always said only invest in money 269 00:18:29,339 --> 00:18:31,969 Suze: that you can afford to lose and things like that, 270 00:18:32,180 --> 00:18:35,449 Suze: and that's because is Bitcoin going to stay? Is it legit? 271 00:18:35,660 --> 00:18:38,089 Suze: What's going to happen with it? I have to tell you, 272 00:18:38,150 --> 00:18:43,060 Suze: at this point in time, I do think Bitcoin is 273 00:18:43,060 --> 00:18:47,300 Suze: here to stay and some of the better cryptos that 274 00:18:47,300 --> 00:18:50,339 Suze: are out there. Why do I think that? 275 00:18:50,839 --> 00:18:54,218 Suze: Because there is not a 40 year old, a 30 276 00:18:54,219 --> 00:18:57,899 Suze: year old that I can talk to that doesn't want 277 00:18:57,900 --> 00:19:01,899 Suze: to put all their money into bitcoin, so this certain 278 00:19:01,900 --> 00:19:06,719 Suze: age of investors have a total addiction to assets like 279 00:19:06,719 --> 00:19:12,829 Suze: Bitcoin when I see that and I see stocks like Coinbase, 280 00:19:13,060 --> 00:19:15,419 Suze: which happens to be the entity that many of the 281 00:19:15,420 --> 00:19:18,969 Suze: cryptos are traded through, being added to the Standard and 282 00:19:18,969 --> 00:19:20,379 Suze: Poor's 500 index. 283 00:19:20,890 --> 00:19:24,530 Suze: That just says to me the writing is on the wall, 284 00:19:24,949 --> 00:19:29,099 Suze: but do not think, everybody, that if the markets go down, 285 00:19:29,339 --> 00:19:34,739 Suze: Bitcoin is going to go up. Bitcoin will absolutely follow 286 00:19:35,030 --> 00:19:38,670 Suze: the Nasdaq 100 because that is what it has been doing. 287 00:19:38,750 --> 00:19:42,430 Suze: So if the Nasdaq 100 happens to go down, Bitcoin 288 00:19:42,430 --> 00:19:43,349 Suze: is going to go down. 289 00:19:43,430 --> 00:19:47,619 Suze: A whole lot more. I still like investing in Bitcoin 290 00:19:47,619 --> 00:19:51,819 Suze: through the ETF IBIT. You also, if you want to 291 00:19:51,819 --> 00:19:57,379 Suze: do it through a stock micro strategies symbol MSTR is 292 00:19:57,380 --> 00:20:00,420 Suze: another way that you can do it since it moves 293 00:20:00,420 --> 00:20:01,899 Suze: along with Bitcoin. 294 00:20:02,349 --> 00:20:06,369 Suze: But that is what I think. Do not be surprised 295 00:20:06,369 --> 00:20:11,010 Suze: to see Bitcoin one day at 130, 150. It can 296 00:20:11,010 --> 00:20:14,599 Suze: very easily go up there. How long it will take, 297 00:20:14,609 --> 00:20:18,329 Suze: I don't know, but here we are at 102. Did 298 00:20:18,329 --> 00:20:23,199 Suze: you ever think it would be there, right, everybody, that 299 00:20:23,199 --> 00:20:27,010 Suze: gives you a recap of kind of what's happening, but 300 00:20:27,010 --> 00:20:28,640 Suze: the real theme here. 301 00:20:29,160 --> 00:20:33,900 Suze: The theme has to be savings versus consumption. 302 00:20:34,750 --> 00:20:37,790 Suze: It's important, and here is the reason why it is 303 00:20:37,790 --> 00:20:38,780 Suze: so important. 304 00:20:39,520 --> 00:20:43,589 Suze: The question also has to be asked and answered. Suze, 305 00:20:43,869 --> 00:20:48,150 Suze: what could make these markets go down next year? Why 306 00:20:48,150 --> 00:20:51,270 Suze: do you think that's possible and what will you be 307 00:20:51,270 --> 00:20:52,550 Suze: watching for? 308 00:20:53,520 --> 00:20:58,109 Suze: Two things I will be watching for big time. Number one, 309 00:20:58,329 --> 00:21:03,899 Suze: believe it or not, politics. Politics has absolutely had an 310 00:21:03,900 --> 00:21:08,540 Suze: effect on these markets. Look at what happened in April 311 00:21:08,540 --> 00:21:12,449 Suze: when the tariffs were announced. The markets went down significantly 312 00:21:12,449 --> 00:21:14,709 Suze: as soon as it was announced that the tariffs 313 00:21:14,859 --> 00:21:18,209 Suze: were going to be reduced. The market went up big time. 314 00:21:18,790 --> 00:21:23,260 Suze: Politics and what happens has got to be watched because 315 00:21:23,260 --> 00:21:27,209 Suze: it will have an effect. I don't care what anybody says. Next, 316 00:21:27,459 --> 00:21:32,310 Suze: the earnings of these stocks. It's too soon to tell 317 00:21:32,819 --> 00:21:35,780 Suze: if the earnings, which means the money these stocks have 318 00:21:35,780 --> 00:21:36,420 Suze: been making. 319 00:21:37,260 --> 00:21:41,219 Suze: Will be up or down because it's too soon to 320 00:21:41,219 --> 00:21:45,649 Suze: tell the effect that the tariffs have had on their earnings, 321 00:21:45,939 --> 00:21:49,689 Suze: so we'll know that in the next months or so 322 00:21:50,140 --> 00:21:54,209 Suze: if the earnings are going down, politics are getting involved. 323 00:21:54,380 --> 00:21:57,218 Suze: I have to tell you that's probably what will be 324 00:21:57,219 --> 00:22:03,339 Suze: the start of the downward market. Time will tell. So 325 00:22:03,339 --> 00:22:04,739 Suze: if that were to happen. 326 00:22:05,180 --> 00:22:10,780 Suze: That's why it's important to have savings versus consumption. All 327 00:22:10,780 --> 00:22:14,939 Suze: the things in your household, all the clothes, everything that 328 00:22:14,939 --> 00:22:19,260 Suze: you have around you are not going to pay your bills. 329 00:22:19,500 --> 00:22:20,660 Suze: They're just not. 330 00:22:21,280 --> 00:22:24,290 Suze: So what you want is a life of true wealth. 331 00:22:24,579 --> 00:22:27,780 Suze: True wealth comes when you feel secure, because that is 332 00:22:27,780 --> 00:22:31,130 Suze: the goal of money, and the reason you feel secure 333 00:22:31,130 --> 00:22:34,659 Suze: is that you know you have savings to get you 334 00:22:34,660 --> 00:22:37,540 Suze: by if certain things go wrong. 335 00:22:38,300 --> 00:22:42,709 Suze: So that is your goal. So until Thursday when Ms. 336 00:22:42,770 --> 00:22:47,000 Suze: Travis joins me again with the Ask KT and Suze 337 00:22:47,000 --> 00:22:50,729 Suze: Anything edition of the Women and Money podcast, there's only 338 00:22:50,729 --> 00:22:52,448 Suze: one thing that I want you to remember when it 339 00:22:52,449 --> 00:22:55,760 Suze: comes to your money, and it is this people first, 340 00:22:56,170 --> 00:23:00,020 Suze: then money, then things. Now you stay safe. 341 00:23:00,290 --> 00:23:00,900 Suze: Bye bye.