1 00:00:35,180 --> 00:01:14,040 Suze: September 4th 2022. And in the entire history of the Women and 2 00:01:14,040 --> 00:01:18,990 Suze: Money podcast, I've only had one guest on previously till 3 00:01:18,990 --> 00:01:19,890 Suze: today 4 00:01:20,370 --> 00:01:24,030 Suze: and that was Mark Kantrowitz who was really the expert 5 00:01:24,040 --> 00:01:27,530 Suze: on student loans. You needed to hear it from him 6 00:01:28,150 --> 00:01:36,640 Suze: today. I have such an incredible, incredible woman, doctor, friend, 7 00:01:36,640 --> 00:01:42,810 Suze: somebody who cares so much about you and your animals, 8 00:01:42,810 --> 00:01:48,090 Suze: your dogs and your cats. It's not even funny. Her 9 00:01:48,090 --> 00:01:52,220 Suze: name is Doctor Mary Gardner and the reason that I 10 00:01:52,220 --> 00:01:55,350 Suze: love Mary so much is besides the fact she makes 11 00:01:55,350 --> 00:01:56,830 Suze: me laugh all the time 12 00:01:57,290 --> 00:02:02,720 Suze: is because she has given me and others that I 13 00:02:02,720 --> 00:02:09,639 Suze: know practical tips, practical ways that especially as your animals 14 00:02:09,639 --> 00:02:11,019 Suze: are getting older, 15 00:02:11,410 --> 00:02:15,440 Suze: how you can do things to help them health wise 16 00:02:15,450 --> 00:02:20,230 Suze: without spending a fortune. So why now why did I 17 00:02:20,230 --> 00:02:25,019 Suze: want to bring Mary on now? I'll tell you, you know, 18 00:02:25,030 --> 00:02:29,250 Suze: I've not been the most optimistic about the possibilities and 19 00:02:29,250 --> 00:02:32,150 Suze: the probabilities that could happen in the economy over the 20 00:02:32,150 --> 00:02:33,520 Suze: next year or two. 21 00:02:34,080 --> 00:02:37,389 Suze: I do believe that we're going to go into recession 22 00:02:37,400 --> 00:02:40,880 Suze: at either the end of this year, 2022 or the 23 00:02:40,880 --> 00:02:46,190 Suze: beginning of 2023. But I also know for a fact 24 00:02:46,190 --> 00:02:47,639 Suze: that inflation 25 00:02:48,430 --> 00:02:53,230 Suze: really is still hurting you in the places that accounts 26 00:02:53,230 --> 00:02:57,850 Suze: meaning food rent. I get that gasoline is going down, 27 00:02:57,860 --> 00:03:00,900 Suze: but not so much to tell you the truth 28 00:03:01,550 --> 00:03:03,869 Suze: and I just think it's going to get more and 29 00:03:03,870 --> 00:03:07,470 Suze: more expensive over the next few months, a year or 30 00:03:07,470 --> 00:03:12,230 Suze: two to just live and I don't want you to 31 00:03:12,230 --> 00:03:15,010 Suze: have to cut back spending money 32 00:03:15,800 --> 00:03:19,060 Suze: on things that are really important, such as the health 33 00:03:19,210 --> 00:03:21,380 Suze: of your animals. 34 00:03:21,910 --> 00:03:27,680 Suze: Therefore that's why Dr. Mary is here on the second 35 00:03:27,680 --> 00:03:32,880 Suze: guest ever in the history of the Women and Money podcast, 36 00:03:32,880 --> 00:03:35,240 Suze: girlfriend say hi to everybody. 37 00:03:35,250 --> 00:03:39,930 Dr. Mary: Hi Suze, thanks for having me! Number two on as 38 00:03:39,930 --> 00:03:40,980 Dr. Mary: a guest. That's awesome. 39 00:03:40,990 --> 00:03:44,030 Suze: Yeah, you you're supposed to say why wasn't I number one, Suze, 40 00:03:44,030 --> 00:03:45,550 Suze: what's the matter with you? 41 00:03:45,860 --> 00:03:46,780 Dr. Mary: That's true. 42 00:03:46,990 --> 00:03:49,309 Dr. Mary: Listen, I wanna I wanna give you a little trivia. 43 00:03:49,320 --> 00:03:53,260 Dr. Mary: Uh do you know what species of animals don't have 44 00:03:53,260 --> 00:03:54,180 Dr. Mary: a gallbladder? 45 00:03:55,390 --> 00:03:57,160 Suze: No, I don't. Fish? 46 00:03:57,170 --> 00:04:01,500 Dr. Mary: Besides Suze Orman. No, the horse, horses do not have gallbladders. 47 00:04:01,510 --> 00:04:02,680 Dr. Mary: So you're like a horse. 48 00:04:02,690 --> 00:04:04,250 Suze: I kind of am like a horse. 49 00:04:04,260 --> 00:04:05,410 Dr. Mary: And like me because I don't have one either. 50 00:04:05,420 --> 00:04:08,320 Suze: You want to know the truth is when I used 51 00:04:08,320 --> 00:04:11,470 Suze: to give talks and you know, I'd be behind the 52 00:04:11,470 --> 00:04:14,510 Suze: curtains and they would be announcing me getting ready for 53 00:04:14,510 --> 00:04:18,320 Suze: me to go out to speak to 20,000 50,000 people. 54 00:04:18,330 --> 00:04:21,820 Suze: I did this thing with my feet like a racehorse 55 00:04:22,200 --> 00:04:24,750 Suze: and KT would always say what do you think you 56 00:04:24,750 --> 00:04:27,460 Suze: are a horse, what are you doing? And I would 57 00:04:27,470 --> 00:04:31,670 Suze: be like getting ready to gallop out there, so now 58 00:04:31,670 --> 00:04:34,370 Suze: I'm kind of like a horse and I'm sure at 59 00:04:34,370 --> 00:04:37,910 Suze: this point in time my gallbladder has been removed and 60 00:04:37,910 --> 00:04:41,909 Suze: I hopefully and absolutely fine, you know what was always 61 00:04:41,910 --> 00:04:44,120 Suze: so strange, Mary, is that 62 00:04:44,810 --> 00:04:47,000 Suze: over all the years that I did the Suze Orman 63 00:04:47,000 --> 00:04:47,460 Suze: show 64 00:04:48,250 --> 00:04:52,770 Suze: people would call in and they would say to me, Suze, 65 00:04:52,779 --> 00:04:56,029 Suze: I don't have enough money to feed my kids, I'm 66 00:04:56,029 --> 00:04:59,380 Suze: maxed out on my credit cards, I don't have a 67 00:04:59,380 --> 00:05:02,659 Suze: pot to pee in, what can I do? And I 68 00:05:02,660 --> 00:05:06,660 Suze: would always say to them, how many animals do you 69 00:05:06,660 --> 00:05:11,170 Suze: have and they would always come back and say four 70 00:05:11,180 --> 00:05:14,760 Suze: or five it was almost as if the more debt 71 00:05:14,760 --> 00:05:15,820 Suze: they had, 72 00:05:16,450 --> 00:05:19,190 Suze: the more animals they had 73 00:05:20,510 --> 00:05:23,480 Suze: and it was a very difficult thing because you can't 74 00:05:23,480 --> 00:05:25,450 Suze: say to people will just get rid of your animals 75 00:05:25,460 --> 00:05:29,880 Suze: because they love their animals more than life itself. So 76 00:05:29,890 --> 00:05:32,440 Suze: tell everybody. So I have a few questions for you, 77 00:05:32,450 --> 00:05:34,990 Suze: how much does it cost to have an animal like 78 00:05:34,990 --> 00:05:35,650 Suze: a dog. 79 00:05:36,020 --> 00:05:41,860 Dr. Mary: Alright, so there's been studies done that that including food, toys, 80 00:05:41,870 --> 00:05:45,159 Dr. Mary: clothing because sometimes you know there's clothing that that that 81 00:05:45,160 --> 00:05:49,940 Dr. Mary: are bought and veterinary care, it is $125 a month 82 00:05:49,940 --> 00:05:51,640 Dr. Mary: on average of course too, 83 00:05:51,654 --> 00:05:53,345 Dr. Mary: Depending on the size of your dog, you may need 84 00:05:53,345 --> 00:05:55,635 Dr. Mary: a bigger bag of dog food. So a great dane 85 00:05:55,635 --> 00:05:58,925 Dr. Mary: is gonna cost you probably $200 but the average pet 86 00:05:58,935 --> 00:06:03,544 Dr. Mary: is $125 a month. So that's $1,500 a year that 87 00:06:03,545 --> 00:06:06,455 Dr. Mary: people need to budget for just for the basic care, 88 00:06:06,485 --> 00:06:07,285 Dr. Mary: basic 89 00:06:07,880 --> 00:06:09,779 Suze: And what does basic care include? 90 00:06:09,790 --> 00:06:13,419 Dr. Mary: That is the bag and cans of dog food not 91 00:06:13,430 --> 00:06:17,419 Dr. Mary: you know um some of these boutique brands that are 92 00:06:17,420 --> 00:06:20,219 Dr. Mary: that are out there, right? That it includes the vaccines, 93 00:06:20,230 --> 00:06:23,940 Dr. Mary: it includes the the the exams that you need just 94 00:06:23,940 --> 00:06:27,779 Dr. Mary: for the health. So not if something happens, it includes 95 00:06:27,790 --> 00:06:30,440 Dr. Mary: um some toys and things like that. So if you 96 00:06:30,440 --> 00:06:33,830 Dr. Mary: think of veterinary visit once a year is probably about 97 00:06:33,830 --> 00:06:36,710 Dr. Mary: $300 just for vaccines and just an exam. 98 00:06:36,850 --> 00:06:40,010 Dr. Mary: But if anything goes wrong then it's going to be more. 99 00:06:40,020 --> 00:06:43,180 Dr. Mary: So the majority of things that people spend money on 100 00:06:43,180 --> 00:06:44,650 Dr. Mary: for their pets is their food. 101 00:06:44,660 --> 00:06:48,770 Suze: All right. Now what are typical things that can go 102 00:06:48,770 --> 00:06:50,969 Suze: wrong in the first year with the dog because you 103 00:06:50,970 --> 00:06:52,450 Suze: know Colo just 104 00:06:52,470 --> 00:06:58,940 Suze: got a little Yorkie. Okay. Yeah, I'm pretty sure it's 105 00:06:58,940 --> 00:07:02,550 Suze: a Yorkie and I was asking him the other day 106 00:07:02,560 --> 00:07:04,750 Suze: how much do you think you spent on that dog 107 00:07:04,750 --> 00:07:08,089 Suze: since you got it. He said about $2000. 108 00:07:08,970 --> 00:07:12,680 Suze: Alright, right. Because he takes it to the doctor every 109 00:07:12,680 --> 00:07:14,780 Suze: time it had that. So 110 00:07:16,110 --> 00:07:16,740 Suze: let's 111 00:07:16,740 --> 00:07:17,790 Dr. Mary: talk about that 112 00:07:17,800 --> 00:07:18,630 Suze: right now. 113 00:07:18,630 --> 00:07:21,120 Dr. Mary: Actually let me let me start with something that that 114 00:07:21,120 --> 00:07:24,790 Dr. Mary: I struggle with. So the purchase of animals and I'm 115 00:07:24,790 --> 00:07:26,760 Dr. Mary: not saying Colo did. But but here's the big thing 116 00:07:26,760 --> 00:07:29,460 Dr. Mary: is that so many people love a certain breed. And listen, 117 00:07:29,460 --> 00:07:31,770 Dr. Mary: I love a certain breed to Suze and I am 118 00:07:31,770 --> 00:07:35,369 Dr. Mary: a doberman lover and a Samoyed lover. However, to purchase 119 00:07:35,380 --> 00:07:39,700 Dr. Mary: a dog from a breeder could be 2 to $5000 120 00:07:39,710 --> 00:07:42,290 Dr. Mary: and a Yorkie. And and again, he might not have 121 00:07:42,290 --> 00:07:43,730 Dr. Mary: purchased a Yorkie but 122 00:07:47,300 --> 00:07:47,790 Suze: He most certainly did. 123 00:07:47,790 --> 00:07:52,080 Dr. Mary: So, there's a purchase price which is very different. However, so 124 00:07:52,090 --> 00:07:55,410 Dr. Mary: many um there are so many rescue organizations that specialize 125 00:07:55,420 --> 00:08:00,230 Dr. Mary: in certain breeds. So for me, I actually truly adopted 126 00:08:00,230 --> 00:08:03,080 Dr. Mary: and rescued a Doberman from a Doberman rescue. So if 127 00:08:03,080 --> 00:08:05,510 Dr. Mary: you love a certain breed, there are Yorkie rescues and 128 00:08:05,510 --> 00:08:06,070 Dr. Mary: they have puppy 129 00:08:06,080 --> 00:08:09,420 Dr. Mary: adult seniors. So they have dogs of all ages. So 130 00:08:09,420 --> 00:08:13,340 Dr. Mary: if if you are financially, you know, strapped or not, 131 00:08:13,350 --> 00:08:17,300 Dr. Mary: maybe consider just adopting because the expense of that dog 132 00:08:17,310 --> 00:08:20,180 Dr. Mary: to purchase from a breeder should should actually go towards 133 00:08:20,180 --> 00:08:22,820 Dr. Mary: the savings for an emergency. So 134 00:08:23,710 --> 00:08:24,130 Dr. Mary: I 135 00:08:24,130 --> 00:08:26,330 Dr. Mary: don't know if his $2,000 included. The purchase of the 136 00:08:26,330 --> 00:08:26,680 Dr. Mary: Yorkie 137 00:08:26,680 --> 00:08:30,950 Suze: His was $400 because that's what it was in Colombia. Right, 138 00:08:30,950 --> 00:08:34,410 Suze: But but what can I tell you? So let me 139 00:08:34,410 --> 00:08:38,650 Suze: ask you this, you get a dog, right? And you 140 00:08:38,650 --> 00:08:41,770 Suze: told me what the basic expenses are, about 100 and 141 00:08:41,770 --> 00:08:43,679 Suze: 25 $250 a month 142 00:08:44,400 --> 00:08:48,449 Suze: usually. What if there is there an emergency? The first year of some 143 00:08:48,450 --> 00:08:51,270 Suze: kind that the owner has to come back to the 144 00:08:51,270 --> 00:08:51,720 Suze: vet 145 00:08:52,309 --> 00:08:53,229 Suze: what does that cost usually? 146 00:08:53,240 --> 00:08:59,290 Dr. Mary: So it's okay. Uh we should be spaying and Neutering 147 00:08:59,290 --> 00:09:01,850 Dr. Mary: all of our pets. Right? So so that is an expense. 148 00:09:01,850 --> 00:09:04,440 Dr. Mary: That could be about $400. That's not really an emergency. 149 00:09:04,440 --> 00:09:07,140 Dr. Mary: But you have to consider that if they're adopted, they're 150 00:09:07,140 --> 00:09:09,820 Dr. Mary: already spayed or neutered from the from the shelter. So 151 00:09:09,830 --> 00:09:12,320 Dr. Mary: Colo needs to spend that money to get the little 152 00:09:12,320 --> 00:09:13,359 Dr. Mary: one spayed. 153 00:09:14,540 --> 00:09:17,740 Dr. Mary: That is an expense. Perfect. Okay, so that's about $400, 154 00:09:17,740 --> 00:09:20,330 Dr. Mary: let's say within the first year, the two things that 155 00:09:20,330 --> 00:09:24,450 Dr. Mary: will happen are either a congenital problem will will arise. 156 00:09:24,460 --> 00:09:27,170 Dr. Mary: So this little Yorkie, maybe it's going to have a 157 00:09:27,170 --> 00:09:30,100 Dr. Mary: collapsing trachea. Every breed has certain things that go wrong 158 00:09:30,100 --> 00:09:33,420 Dr. Mary: with it. Luck sating Patellas, Yorkies are known for kneecaps, 159 00:09:33,420 --> 00:09:34,580 Dr. Mary: just flopping in and out. 160 00:09:34,710 --> 00:09:38,370 Dr. Mary: Um heart disease. So, so things that are, genetically, they're 161 00:09:38,370 --> 00:09:42,510 Dr. Mary: prone to may raise their their ugly heads. Now uh 162 00:09:42,520 --> 00:09:46,339 Dr. Mary: something that's also common is hernias. So these little guys 163 00:09:46,340 --> 00:09:50,070 Dr. Mary: will get umbilical hernias and intestines will come through and 164 00:09:50,080 --> 00:09:53,030 Dr. Mary: things like that. So, so congenital issues, the first thing 165 00:09:53,030 --> 00:09:54,890 Dr. Mary: that's gonna happen or that you're gonna see in the 166 00:09:54,890 --> 00:09:58,050 Dr. Mary: first year. And the second thing are accidents. Uh I 167 00:09:58,050 --> 00:09:59,640 Dr. Mary: can't tell you how many times 168 00:10:00,000 --> 00:10:02,920 Dr. Mary: uh you know yorkie is put up on a countertop 169 00:10:02,929 --> 00:10:05,020 Dr. Mary: and he jumps off and he breaks his legs when 170 00:10:05,020 --> 00:10:06,910 Dr. Mary: I was in general practice I had somebody that come 171 00:10:06,910 --> 00:10:09,150 Dr. Mary: that came in with a little mini poodle and it's 172 00:10:09,160 --> 00:10:11,600 Dr. Mary: both his front legs were broken because he got slammed 173 00:10:11,600 --> 00:10:13,750 Dr. Mary: in the door. The kids closed the door and it 174 00:10:13,750 --> 00:10:16,250 Dr. Mary: slammed his legs in the door and that's thousands of 175 00:10:16,250 --> 00:10:18,739 Dr. Mary: dollars because that's not me fixing it surgeon 176 00:10:18,750 --> 00:10:23,730 Suze: Realistically speaking when somebody gets an animal 177 00:10:24,490 --> 00:10:27,120 Suze: Right? Cause I always say to people you need an 178 00:10:27,130 --> 00:10:31,730 Suze: 8-12-month emergency fund for yourselves, make sure you do that 179 00:10:31,740 --> 00:10:36,180 Suze: for your animal. If you want to really be respectful 180 00:10:36,190 --> 00:10:39,840 Suze: of having an animal, how much would you say they 181 00:10:39,840 --> 00:10:44,949 Suze: should have in an emergency savings account just for the animal? 182 00:10:45,980 --> 00:10:50,130 Dr. Mary: I would I would really recommend $2500 for for an 183 00:10:50,130 --> 00:10:54,540 Dr. Mary: emergency event. And it could go from, you know $500 184 00:10:54,550 --> 00:10:56,990 Dr. Mary: because usually stuff happened, Suze in the middle of the 185 00:10:56,990 --> 00:10:59,860 Dr. Mary: night or on the weekend when your regular hospital is closed. 186 00:10:59,870 --> 00:11:01,559 Dr. Mary: So you need to go to the emergency hospital which 187 00:11:01,559 --> 00:11:04,030 Dr. Mary: is more expensive and there's a lot of work up 188 00:11:04,030 --> 00:11:06,700 Dr. Mary: and x rays and things to be done. So I 189 00:11:06,700 --> 00:11:10,860 Dr. Mary: would really recommend a couple of $1000 in savings for 190 00:11:10,860 --> 00:11:11,740 Dr. Mary: that emergency 191 00:11:12,740 --> 00:11:13,910 Suze: Now, people always want to know, 192 00:11:14,232 --> 00:11:18,253 Suze: should they buy insurance is insurance. What do you what 193 00:11:18,253 --> 00:11:19,353 Suze: do you want to say to that? 194 00:11:19,363 --> 00:11:24,333 Dr. Mary: I say yes, double yes, underlying bold. Yes. And the 195 00:11:24,333 --> 00:11:26,772 Dr. Mary: sooner you buy it the better. So Solo should get 196 00:11:26,773 --> 00:11:29,163 Dr. Mary: it now while the puppies younger because it will increase 197 00:11:29,163 --> 00:11:32,013 Dr. Mary: over time. Just like us right when we're when things 198 00:11:32,013 --> 00:11:34,593 Dr. Mary: happen and we get older stuff is more expensive if 199 00:11:34,593 --> 00:11:36,383 Dr. Mary: we want to get insurance now. So, 200 00:11:36,716 --> 00:11:41,466 Dr. Mary: probably around $40-$50 a month. And there's different plans, Suze. 201 00:11:41,466 --> 00:11:44,016 Dr. Mary: So just like in human medicine there's different plans. A 202 00:11:44,016 --> 00:11:47,466 Dr. Mary: lot of plans don't pay for the normal preventative care 203 00:11:47,466 --> 00:11:50,486 Dr. Mary: that you need to do throughout the year. And that's okay. 204 00:11:50,496 --> 00:11:53,386 Dr. Mary: So you should you should be able to afford the vaccines, 205 00:11:53,386 --> 00:11:55,896 Dr. Mary: an annual exam for your pet. Before you ever think 206 00:11:55,896 --> 00:11:56,675 Dr. Mary: about getting a pet 207 00:11:56,706 --> 00:11:59,946 Suze: That's like $1,500 a year. You should be able to 208 00:11:59,946 --> 00:12:01,386 Suze: afford that 209 00:12:01,910 --> 00:12:05,650 Suze: without any insurance, correct. 210 00:12:05,660 --> 00:12:08,670 Dr. Mary: And then the insurance is there for when stuff happens 211 00:12:08,670 --> 00:12:11,490 Dr. Mary: and it's not just the accident, it could be you 212 00:12:11,490 --> 00:12:14,300 Dr. Mary: could have a seven year old dog that gets diabetes 213 00:12:14,309 --> 00:12:16,740 Dr. Mary: and now you have to do blood work. You know, 214 00:12:16,740 --> 00:12:18,710 Dr. Mary: a couple times a month. In the beginning you're gonna 215 00:12:18,710 --> 00:12:21,940 Dr. Mary: have to get medication and some of these diseases 216 00:12:21,955 --> 00:12:25,865 Dr. Mary: the medication can completely keep them healthy. But it could 217 00:12:25,865 --> 00:12:29,305 Dr. Mary: be anywhere from $50 to $400 a month. My own 218 00:12:29,304 --> 00:12:33,515 Dr. Mary: Doberman had heart disease, it's called dilated cardiomyopathy. A big 219 00:12:33,515 --> 00:12:36,175 Dr. Mary: big word mean big floppy heart. And he was a 220 00:12:36,175 --> 00:12:39,035 Dr. Mary: big Doberman. So 110 pounds. So the larger the dog, the 221 00:12:39,035 --> 00:12:41,314 Dr. Mary: bigger the pill needs to be. And that means bigger 222 00:12:41,315 --> 00:12:44,575 Dr. Mary: the expense. And me myself as a doctor, I don't 223 00:12:44,575 --> 00:12:48,685 Dr. Mary: get discounts. I was $400 a month just for his meds. 224 00:12:49,460 --> 00:12:49,710 Dr. Mary: And 225 00:12:49,710 --> 00:12:51,760 Dr. Mary: that is a lot of people can't afford that. And 226 00:12:51,760 --> 00:12:53,160 Dr. Mary: that is where insurance came into help. 227 00:12:53,590 --> 00:12:57,510 Suze: Is there a specific company that you like that sells insurance? 228 00:12:57,520 --> 00:13:00,050 Suze: Is there something that people should look for as a 229 00:13:00,050 --> 00:13:03,290 Suze: warning sign? No, this is a scam. Don't buy it. 230 00:13:03,290 --> 00:13:04,730 Suze: What would you tell people 231 00:13:05,450 --> 00:13:08,240 Dr. Mary: There's a number of pet insurance is out there. N 232 00:13:08,250 --> 00:13:10,969 Dr. Mary: ationwide is is the one that I usually get. There's 233 00:13:10,970 --> 00:13:14,270 Dr. Mary: Truepanion and a number of them. I think also the S. P. C. A. 234 00:13:14,270 --> 00:13:17,370 Dr. Mary: Has one as well. I think you just need to 235 00:13:17,370 --> 00:13:20,439 Dr. Mary: consider your own finances because there are some policies that 236 00:13:20,440 --> 00:13:23,370 Dr. Mary: do pay for that. Um annual maintenance like I said, 237 00:13:23,370 --> 00:13:26,030 Dr. Mary: so there are some that cover vaccines and things like that, 238 00:13:26,179 --> 00:13:27,850 Dr. Mary: which is fine. But I just think you should be 239 00:13:27,850 --> 00:13:30,350 Dr. Mary: able to afford that anyway. You also need to look 240 00:13:30,350 --> 00:13:33,540 Dr. Mary: for breed specific issues. So they may be excluded. So 241 00:13:33,540 --> 00:13:36,050 Dr. Mary: let's say you have a german shepherd german shepherd is 242 00:13:36,050 --> 00:13:38,500 Dr. Mary: very prone to hip dysplasia and there may be an 243 00:13:38,500 --> 00:13:42,160 Dr. Mary: exclusion for hip dysplasia because we know they're gonna get it. 244 00:13:42,170 --> 00:13:46,429 Dr. Mary: So be on the lookout for breed specific exclusions and 245 00:13:46,440 --> 00:13:48,590 Dr. Mary: and just like just like health insurance, you have to 246 00:13:48,590 --> 00:13:52,260 Dr. Mary: think about your um your deductibles and things like that. 247 00:13:52,270 --> 00:13:55,470 Dr. Mary: And oh this is really important. Suze, it is not 248 00:13:55,470 --> 00:13:56,030 Dr. Mary: like 249 00:13:56,690 --> 00:13:59,579 Dr. Mary: human health care. So you don't bring your pet to 250 00:13:59,580 --> 00:14:02,770 Dr. Mary: the to the doctor and they submit it to the 251 00:14:02,770 --> 00:14:08,240 Dr. Mary: insurance company. You must pay that doctor first and then 252 00:14:08,240 --> 00:14:11,380 Dr. Mary: you this is huge, right? So you need to be 253 00:14:11,380 --> 00:14:14,130 Dr. Mary: able to have that money or be able to pay 254 00:14:14,130 --> 00:14:16,620 Dr. Mary: for that surgery and then you get it back from 255 00:14:16,620 --> 00:14:16,760 Dr. Mary: the 256 00:14:16,770 --> 00:14:19,560 Dr. Mary: From the insurance company. So you submit all the claims 257 00:14:19,570 --> 00:14:23,040 Dr. Mary: and you'll get about 80% back or whatever your policy is, 258 00:14:23,040 --> 00:14:25,670 Dr. Mary: there's all different policies, but you need to know that. 259 00:14:25,670 --> 00:14:28,410 Dr. Mary: So you may have insurance but it doesn't cover the 260 00:14:28,420 --> 00:14:30,740 Dr. Mary: initial cost. You got to get the reimbursement, which is 261 00:14:30,740 --> 00:14:32,190 Dr. Mary: very different right than us 262 00:14:32,200 --> 00:14:35,490 Suze: All right now, that is why everybody number one I wanted 263 00:14:35,490 --> 00:14:39,090 Suze: to have Mary on. But that is why when you 264 00:14:39,090 --> 00:14:42,850 Suze: do your emergency savings and you're figuring out how much 265 00:14:42,850 --> 00:14:45,450 Suze: money do I need per month to live? 266 00:14:46,080 --> 00:14:49,770 Suze: You have got to figure in these things that Mary 267 00:14:49,780 --> 00:14:52,720 Suze: is talking to you about. She wants you to have 268 00:14:52,720 --> 00:14:55,400 Suze: at least a $2500 a year 269 00:14:55,600 --> 00:15:01,010 Suze: savings account just for one animal Mary, if somebody has 270 00:15:01,010 --> 00:15:04,260 Suze: to animals does that mean they should have 5000 if 271 00:15:04,260 --> 00:15:08,280 Suze: they have three should they have 7500? I'm serious about this. 272 00:15:08,660 --> 00:15:11,120 Dr. Mary: know I know this is your risk in your bets, right? 273 00:15:11,120 --> 00:15:12,630 Dr. Mary: It's like going to Vegas, what do you what do 274 00:15:12,630 --> 00:15:15,550 Dr. Mary: you want to bet on and you could have multiple problems. 275 00:15:15,560 --> 00:15:18,680 Dr. Mary: I almost all my animals usually have problems as they 276 00:15:18,680 --> 00:15:21,540 Dr. Mary: get older. So I've got the jalopies. 277 00:15:21,550 --> 00:15:23,260 Suze: So what's important for those 278 00:15:23,285 --> 00:15:26,555 Suze: of you who are thinking about getting an animal or 279 00:15:26,555 --> 00:15:31,475 Suze: you already have animals. You have to care about them financially, 280 00:15:31,475 --> 00:15:35,375 Suze: speaking as much as you care about your own children, 281 00:15:35,385 --> 00:15:39,435 Suze: as much as you care about yourself. It's what you 282 00:15:39,435 --> 00:15:43,675 Suze: want to do that's being responsible for things that you 283 00:15:43,675 --> 00:15:46,595 Suze: bring into your lives for people that you bring into 284 00:15:46,595 --> 00:15:50,325 Suze: your lives for animals that you bring in to your life. 285 00:15:50,335 --> 00:15:50,970 Suze: Now 286 00:15:51,740 --> 00:15:52,490 Suze: Mary, 287 00:15:53,380 --> 00:15:57,290 Suze: you've done two things that I love more than life itself. 288 00:15:57,300 --> 00:16:00,150 Suze: You've written two books. I know you have another one 289 00:16:00,150 --> 00:16:04,480 Suze: coming out, but you've written two books that I love 290 00:16:04,510 --> 00:16:09,180 Suze: because you know my background is in social work in geriatrics. 291 00:16:09,220 --> 00:16:12,550 Suze: That's what I went to school in. I didn't go 292 00:16:12,550 --> 00:16:16,500 Suze: to the university to be a financial person. I went 293 00:16:16,510 --> 00:16:20,020 Suze: because I really cared about older people 294 00:16:20,380 --> 00:16:23,820 Suze: because I worked in nursing homes and I saw what 295 00:16:23,820 --> 00:16:27,250 Suze: would happen to them. And I used to think, oh 296 00:16:27,250 --> 00:16:29,230 Suze: why they end up here. They must not have had 297 00:16:29,230 --> 00:16:32,330 Suze: any money. And I realized they ended up there because 298 00:16:32,330 --> 00:16:34,310 Suze: they you know they had money but they had to 299 00:16:34,310 --> 00:16:36,880 Suze: stay there and the nursing home took all their money. 300 00:16:37,640 --> 00:16:43,420 Suze: So I'm a real big fan of getting older. Not 301 00:16:43,820 --> 00:16:44,200 Dr. Mary: I know, me too! 302 00:16:44,540 --> 00:16:46,690 Suze: We got to get older, although I'm so much older 303 00:16:46,690 --> 00:16:49,510 Suze: than you, I can't even stand it, you're gonna have 304 00:16:49,510 --> 00:16:51,820 Suze: to take care of me when KT can't take care 305 00:16:51,820 --> 00:16:56,390 Suze: of me anymore. Alright, alright, so 306 00:16:56,910 --> 00:17:02,600 Suze: you care about geriatric animals a lot, a lot. And 307 00:17:02,600 --> 00:17:09,620 Suze: you and you wrote a book called "It's Never Long Enough: 308 00:17:09,630 --> 00:17:15,220 Suze: A Practical Guide for Caring for Your Geriatric Dog." Can 309 00:17:15,220 --> 00:17:18,980 Suze: you just tell everybody why you wrote that book 310 00:17:19,109 --> 00:17:22,870 Suze: and how this book can save them money because that's 311 00:17:22,869 --> 00:17:24,340 Suze: what I care about. 312 00:17:24,350 --> 00:17:27,290 Dr. Mary: I know you do know and it can. So I 313 00:17:27,290 --> 00:17:29,550 Dr. Mary: wrote the book because I am now, well for the 314 00:17:29,550 --> 00:17:32,419 Dr. Mary: past 12 years I've dedicated my life to end of 315 00:17:32,420 --> 00:17:36,100 Dr. Mary: life care. So the geriatrics and saying goodbye and hospice 316 00:17:36,109 --> 00:17:38,700 Dr. Mary: and I have learned so much along the way, 317 00:17:38,720 --> 00:17:41,910 Dr. Mary: not only uh from from vet school and medicine but 318 00:17:41,910 --> 00:17:44,740 Dr. Mary: from the families that I'd visit. So I visited thousands 319 00:17:44,740 --> 00:17:48,459 Dr. Mary: of families with geriatric dogs and cats and I learned 320 00:17:48,470 --> 00:17:52,070 Dr. Mary: ways to manage them at home. And so in this 321 00:17:52,070 --> 00:17:54,520 Dr. Mary: book that I I decided to to write it took 322 00:17:54,520 --> 00:17:56,379 Dr. Mary: me like a few years to write. So thank you 323 00:17:56,380 --> 00:17:58,340 Dr. Mary: for Covid that gave me the time to write it. 324 00:17:58,570 --> 00:18:02,820 Dr. Mary: And I really talked about the aging process and also 325 00:18:02,830 --> 00:18:05,090 Dr. Mary: all the different ailments that a geriatric dog is going 326 00:18:05,090 --> 00:18:08,590 Dr. Mary: to face the number one issue that that dog's face 327 00:18:08,600 --> 00:18:11,310 Dr. Mary: is mobility issues. So they can't get around as much 328 00:18:11,310 --> 00:18:13,830 Dr. Mary: just like us. We got hips and joints and things 329 00:18:13,830 --> 00:18:16,830 Dr. Mary: like that, right? Um, so mobility issues. And so I 330 00:18:16,830 --> 00:18:20,040 Dr. Mary: talk about ways to set up the house better. So 331 00:18:20,040 --> 00:18:22,550 Dr. Mary: that way they have better traction. What's the best booties 332 00:18:22,550 --> 00:18:24,640 Dr. Mary: to use the harnesses, Things like that. 333 00:18:24,920 --> 00:18:28,390 Dr. Mary: I cover incontinence, which is also a big issue. So 334 00:18:28,390 --> 00:18:31,310 Dr. Mary: these guys are starting to lose their their bladder and 335 00:18:31,310 --> 00:18:34,350 Dr. Mary: and and do some stuff around the house. So the 336 00:18:34,359 --> 00:18:37,080 Dr. Mary: other thing that is great is that in every chapter 337 00:18:37,090 --> 00:18:39,740 Dr. Mary: it has lists of things to be on the lookout 338 00:18:39,740 --> 00:18:42,590 Dr. Mary: for and things to ask your veterinarian. I also have 339 00:18:42,590 --> 00:18:45,290 Dr. Mary: a lot of checklists and diary and I think I 340 00:18:45,290 --> 00:18:48,030 Dr. Mary: think what happens is uh, you know, just like us, 341 00:18:48,030 --> 00:18:49,590 Dr. Mary: you may go to the doctor and you leave and 342 00:18:49,590 --> 00:18:51,250 Dr. Mary: you're like, oh, I forgot to ask him to check 343 00:18:51,250 --> 00:18:52,570 Dr. Mary: this mole. Right? 344 00:18:52,740 --> 00:18:55,220 Dr. Mary: So I'm, I've listed all the things that you should 345 00:18:55,220 --> 00:18:57,879 Dr. Mary: be looking out for because families don't know what's going 346 00:18:57,880 --> 00:18:59,919 Dr. Mary: on with their pets. So many pets are in pain 347 00:18:59,920 --> 00:19:02,740 Dr. Mary: and discomfort and they just don't recognize it. So I'm, 348 00:19:02,750 --> 00:19:05,750 Dr. Mary: I'm telling people how to recognize that and also what 349 00:19:05,750 --> 00:19:07,469 Dr. Mary: are the things you should be tracking. So that way 350 00:19:07,470 --> 00:19:09,500 Dr. Mary: you can make if you do go to your veterinarian, 351 00:19:09,500 --> 00:19:12,200 Dr. Mary: you make one visit and you talk about everything that's 352 00:19:12,200 --> 00:19:13,010 Dr. Mary: going on 353 00:19:13,170 --> 00:19:16,490 Dr. Mary: and not needing to go back multiple times, but it's 354 00:19:16,490 --> 00:19:18,890 Dr. Mary: about setting up the environment is so huge. If you 355 00:19:18,890 --> 00:19:22,149 Dr. Mary: remember in human geriatrics, right, it's it's you have to 356 00:19:22,150 --> 00:19:25,280 Dr. Mary: set up their house to be safe to be practical 357 00:19:25,820 --> 00:19:26,090 Dr. Mary: and 358 00:19:26,090 --> 00:19:28,010 Dr. Mary: care for them in their in their old age. So 359 00:19:28,010 --> 00:19:30,780 Dr. Mary: there's a lot of tips in here that can help 360 00:19:30,780 --> 00:19:35,060 Dr. Mary: families manage their pets and also save money and and 361 00:19:35,060 --> 00:19:37,830 Dr. Mary: make visits to the veterinarian a little bit more impactful 362 00:19:37,830 --> 00:19:40,530 Dr. Mary: because they know what to ask. They just you just 363 00:19:40,530 --> 00:19:42,850 Dr. Mary: don't know sometimes what what what you're dealing with and 364 00:19:42,850 --> 00:19:43,590 Dr. Mary: you're scared. 365 00:19:43,600 --> 00:19:48,600 Suze: What's the one thing about this book that you love 366 00:19:48,600 --> 00:19:50,859 Suze: most of all one thing? 367 00:19:50,869 --> 00:19:51,820 Dr. Mary: The stories. 368 00:19:52,240 --> 00:19:55,160 Dr. Mary: And I think stories are so helpful for families to 369 00:19:55,160 --> 00:19:57,820 Dr. Mary: realize that they're not alone. And I have included many 370 00:19:57,820 --> 00:20:00,909 Dr. Mary: of my own stories. I I've been to dealing with 371 00:20:00,910 --> 00:20:03,950 Dr. Mary: diarrhea all over my own house. Right? So, I want 372 00:20:03,950 --> 00:20:04,780 Dr. Mary: people to know that 373 00:20:04,780 --> 00:20:06,100 Suze: Diarrhea from your dog 374 00:20:06,430 --> 00:20:11,280 Dr. Mary: Right not me, not yet in like 30 years 375 00:20:11,900 --> 00:20:14,560 Suze: All right, so, I get your book, am I going 376 00:20:14,560 --> 00:20:16,080 Suze: to be able to understand it? 377 00:20:16,400 --> 00:20:22,389 Suze: I really dislike books where people talk to me in 378 00:20:22,400 --> 00:20:25,720 Suze: their language versus my language. I mean, I think one 379 00:20:25,720 --> 00:20:28,330 Suze: of the reasons that I've been so successful is I 380 00:20:28,330 --> 00:20:32,650 Suze: don't talk in finance language I talk and Suze speak, 381 00:20:32,800 --> 00:20:34,580 Suze: right so how do you how do you talk? 382 00:20:35,340 --> 00:20:38,379 Dr. Mary: I talk and Mary speak and and not Dr. Mary 383 00:20:38,380 --> 00:20:40,869 Dr. Mary: speak so I want that is probably the second favorite 384 00:20:40,869 --> 00:20:42,850 Dr. Mary: thing and I maybe should have said that is my first. 385 00:20:42,859 --> 00:20:45,629 Dr. Mary: It is written to the average person, is written to 386 00:20:45,630 --> 00:20:48,120 Dr. Mary: the pet families. This is not a veterinary textbook. I've 387 00:20:48,119 --> 00:20:50,090 Dr. Mary: written one of those you don't want to read that. 388 00:20:50,100 --> 00:20:54,330 Dr. Mary: It is so user friendly and it's got doodles in it. 389 00:20:54,340 --> 00:20:57,570 Dr. Mary: It's got pictures and I have 250 pictures in this 390 00:20:57,570 --> 00:21:00,760 Dr. Mary: book so people can really see what I'm talking about. 391 00:21:00,780 --> 00:21:02,960 Dr. Mary: I don't talk a lot of you know hard medicine. 392 00:21:02,970 --> 00:21:05,429 Dr. Mary: I do explain things because I want people to understand 393 00:21:05,440 --> 00:21:08,400 Dr. Mary: what is a corticosteroid if they see it. But I 394 00:21:08,410 --> 00:21:11,310 Dr. Mary: I make it in a way that is easily to 395 00:21:11,310 --> 00:21:15,350 Dr. Mary: digest and not feel overwhelmed because no one wants analysis, paralysis. 396 00:21:15,359 --> 00:21:17,490 Suze: And if you were to say what do you think 397 00:21:17,490 --> 00:21:21,060 Suze: is one of the biggest mistakes people make when it 398 00:21:21,060 --> 00:21:23,970 Suze: comes to taking care of their animals? 399 00:21:23,990 --> 00:21:26,650 Dr. Mary: I think with the geriatric animals they think well that's 400 00:21:26,650 --> 00:21:28,740 Dr. Mary: just because he's getting old and it's no 401 00:21:28,750 --> 00:21:31,659 Dr. Mary: no big deal right? It's just he's getting old. We 402 00:21:31,660 --> 00:21:34,170 Dr. Mary: can do so much for these guys. You would never 403 00:21:34,170 --> 00:21:36,690 Dr. Mary: say that about grandma sitting on the couch. Like she's 404 00:21:36,690 --> 00:21:38,370 Dr. Mary: just getting old so we're not gonna do anything with 405 00:21:38,369 --> 00:21:41,070 Dr. Mary: her right we we really can do so much to 406 00:21:41,070 --> 00:21:43,939 Dr. Mary: help them around their house to feel safe and comfortable. 407 00:21:43,950 --> 00:21:45,890 Dr. Mary: And when I go to the homes I've seen so 408 00:21:45,890 --> 00:21:49,570 Dr. Mary: many times. Suze, it breaks my heart because did you 409 00:21:49,570 --> 00:21:53,020 Dr. Mary: know that 50% of pets are not seen by a 410 00:21:53,020 --> 00:21:56,730 Dr. Mary: veterinarian a year before, they're euthanized. So for their last, 411 00:21:56,950 --> 00:22:00,270 Dr. Mary: You know, basically it's like the last 10% of their life, 412 00:22:00,270 --> 00:22:02,730 Dr. Mary: imagine us last 10% of our life not seeing somebody 413 00:22:02,730 --> 00:22:04,629 Dr. Mary: to help them. And I look at their house and 414 00:22:04,630 --> 00:22:06,970 Dr. Mary: there's just tile all over and they're slipping and sliding 415 00:22:06,980 --> 00:22:08,340 Dr. Mary: and they're like well I didn't know what you were 416 00:22:08,340 --> 00:22:10,720 Dr. Mary: going to tell me, we can tell you a lot 417 00:22:10,730 --> 00:22:12,050 Dr. Mary: and a lot is in this book. 418 00:22:12,060 --> 00:22:16,310 Suze: You know, my niece, Dr Katie Stender in the Jacksonville 419 00:22:16,350 --> 00:22:21,090 Suze: area does that. And she sent me this video once 420 00:22:21,090 --> 00:22:21,350 Suze: and all, 421 00:22:21,359 --> 00:22:23,670 Suze: I'll never forget looking at it. She went to somebody's 422 00:22:23,670 --> 00:22:26,550 Suze: home and by the way if you're in the Jacksonville 423 00:22:26,560 --> 00:22:30,060 Suze: area you better use Dr. Katie Stender. But she went 424 00:22:30,060 --> 00:22:33,790 Suze: there and the people really wanted her to put the 425 00:22:33,790 --> 00:22:36,540 Suze: dog down and she looked at the dog and she 426 00:22:36,540 --> 00:22:39,210 Suze: said this dog isn't ready to die. 427 00:22:39,780 --> 00:22:42,460 Suze: This dog just needs this, this and this and this 428 00:22:42,470 --> 00:22:46,990 Suze: and then she went back months later and the little 429 00:22:46,990 --> 00:22:50,030 Suze: dog was jumping actually was a pit bull was jumping 430 00:22:50,030 --> 00:22:54,229 Suze: all over her and licking her and everything and was fine. 431 00:22:54,240 --> 00:22:57,380 Suze: So sometimes just a little tweak or what they'll find 432 00:22:57,380 --> 00:23:01,180 Suze: in your book can not only extend the life of 433 00:23:01,180 --> 00:23:02,480 Suze: their animal, 434 00:23:02,859 --> 00:23:06,530 Suze: but give them a quality of life where they love 435 00:23:06,530 --> 00:23:08,750 Suze: their life again and you get to love them even more. 436 00:23:08,750 --> 00:23:11,410 Suze: Now I know in a few months you have one 437 00:23:11,410 --> 00:23:15,119 Suze: of these books coming out on cats as well, right? 438 00:23:15,119 --> 00:23:19,409 Suze: Called "The Nine Lives Are Not Enough." Alright, So everybody 439 00:23:19,410 --> 00:23:22,260 Suze: can look for that. But there's also another book 440 00:23:22,890 --> 00:23:26,380 Suze: that you have written that I think touches my heart 441 00:23:26,380 --> 00:23:31,190 Suze: more than all of the books that you have out there. 442 00:23:31,200 --> 00:23:37,050 Suze: And that's your Children's activity books that help them say 443 00:23:37,050 --> 00:23:41,840 Suze: goodbye forever. You know, your forever friend and you can 444 00:23:41,840 --> 00:23:45,449 Suze: see it that it's one thing when a child loses 445 00:23:45,450 --> 00:23:49,610 Suze: a parent or a brother or a sister. It's equally 446 00:23:49,609 --> 00:23:52,639 Suze: as hard when they lose their dog. 447 00:23:52,859 --> 00:23:56,840 Suze: So tell me a little bit more about that book, 448 00:23:56,850 --> 00:24:01,000 Suze: by the way. The name of that book is "Forever Friend" 449 00:24:01,020 --> 00:24:04,530 Suze: and why everybody should get that book. 450 00:24:04,540 --> 00:24:06,870 Dr. Mary: I get asked all the time should I allow my 451 00:24:06,869 --> 00:24:08,750 Dr. Mary: kids to be present to say goodbye? 452 00:24:08,890 --> 00:24:10,690 Dr. Mary: And they and I think we shield them were such 453 00:24:10,690 --> 00:24:13,760 Dr. Mary: a death adverse society and they were scared that kids 454 00:24:13,760 --> 00:24:15,310 Dr. Mary: can't handle it. And I have to tell you, I 455 00:24:15,310 --> 00:24:19,060 Dr. Mary: encourage if they're five or older, I encourage to ask 456 00:24:19,060 --> 00:24:21,129 Dr. Mary: them if they want to be present a lot of times. 457 00:24:21,130 --> 00:24:24,040 Dr. Mary: This is their best friend, this is there like a 458 00:24:24,050 --> 00:24:26,700 Dr. Mary: sister or brother, They're sleeping with them. They're taking care 459 00:24:26,700 --> 00:24:27,720 Dr. Mary: of them. They're playing with them 460 00:24:28,010 --> 00:24:29,680 Dr. Mary: and for them to not be a part of that 461 00:24:29,680 --> 00:24:34,209 Dr. Mary: experience can be, you know, actually quite hurtful. And I, 462 00:24:34,210 --> 00:24:37,210 Dr. Mary: I wanted to have something and I co wrote it 463 00:24:37,210 --> 00:24:39,430 Dr. Mary: with Colleen Ellis, a good friend of mine and she's 464 00:24:39,430 --> 00:24:42,240 Dr. Mary: very big in the pet loss world and we wanted 465 00:24:42,240 --> 00:24:45,209 Dr. Mary: to write something that could help families come together and 466 00:24:45,210 --> 00:24:47,659 Dr. Mary: have discussions about what's going on. Right? So because a 467 00:24:47,660 --> 00:24:49,659 Dr. Mary: lot of times moms and dads don't know what to 468 00:24:49,660 --> 00:24:52,790 Dr. Mary: say to the, to the kid. They look to me sometimes, 469 00:24:52,800 --> 00:24:55,629 Dr. Mary: how do I explain death to their child or what 470 00:24:55,630 --> 00:24:56,440 Dr. Mary: they're going through. 471 00:24:56,609 --> 00:25:00,270 Dr. Mary: And this activity book can be used before the death happens. 472 00:25:00,280 --> 00:25:02,600 Dr. Mary: So just to help prepare them and I have things 473 00:25:02,600 --> 00:25:04,850 Dr. Mary: in there like creating a bucket list for the dog 474 00:25:04,850 --> 00:25:07,720 Dr. Mary: or cat. Right? So having things to do as a 475 00:25:07,720 --> 00:25:11,630 Dr. Mary: family before the death happens can really help you through 476 00:25:11,630 --> 00:25:14,030 Dr. Mary: the grieving process because what you never want to do 477 00:25:14,030 --> 00:25:15,780 Dr. Mary: is have a regret. And I think that's the worst 478 00:25:15,780 --> 00:25:17,880 Dr. Mary: part is never getting to say, I love you to 479 00:25:17,880 --> 00:25:19,310 Dr. Mary: someone or you know, 480 00:25:19,320 --> 00:25:20,649 Dr. Mary: or a dog or a cat before they go. 481 00:25:20,650 --> 00:25:21,159 Suze: I love you Mary! 482 00:25:21,930 --> 00:25:23,410 Dr. Mary: are special. I love you too! 483 00:25:25,130 --> 00:25:26,520 Suze: I just had to say that, 484 00:25:26,530 --> 00:25:27,959 Dr. Mary: but let's not go anywhere. 485 00:25:28,680 --> 00:25:32,200 Suze: So try not to go anywhere. Trust me go on. 486 00:25:32,210 --> 00:25:35,960 Dr. Mary: Okay. I know. And so I think and there's also 487 00:25:35,960 --> 00:25:39,600 Dr. Mary: other activities and crafts. So we can prepare, uh, you know, 488 00:25:39,609 --> 00:25:42,000 Dr. Mary: a shoebox or memorial frame 489 00:25:42,020 --> 00:25:44,459 Dr. Mary: and things like that or paw prints and, and it 490 00:25:44,460 --> 00:25:46,790 Dr. Mary: just gives you ideas to do things and even write 491 00:25:46,790 --> 00:25:49,660 Dr. Mary: a blog, right? Do a vlog. You know, if the 492 00:25:49,660 --> 00:25:52,310 Dr. Mary: kid for today are very different than me and you 493 00:25:52,310 --> 00:25:55,859 Dr. Mary: were back then, right. And I think just helping them 494 00:25:55,859 --> 00:25:57,860 Dr. Mary: prepare to say goodbye and it can be also done 495 00:25:57,859 --> 00:26:00,399 Dr. Mary: afterwards writing a letter to the pet that could be 496 00:26:00,400 --> 00:26:02,459 Dr. Mary: placed in there, you know, and their little coffin if 497 00:26:02,460 --> 00:26:04,740 Dr. Mary: they're gonna be buried or going off to the crematory. 498 00:26:04,750 --> 00:26:07,700 Dr. Mary: I think it really helps the kids, you know, express 499 00:26:07,700 --> 00:26:10,940 Dr. Mary: their own feelings and not feel scared or ashamed. 500 00:26:11,600 --> 00:26:12,610 Suze: So here we 501 00:26:12,609 --> 00:26:13,250 Suze: are. 502 00:26:13,980 --> 00:26:18,310 Suze: So everybody should get this book. Everybody, everybody should get 503 00:26:18,310 --> 00:26:21,620 Suze: that book. Everybody should get right. It's never long enough 504 00:26:21,619 --> 00:26:23,750 Suze: and they can obviously get these books on amazon, is 505 00:26:23,750 --> 00:26:24,740 Suze: that correct? 506 00:26:24,750 --> 00:26:25,170 Dr. Mary: Yes. 507 00:26:25,170 --> 00:26:28,240 Suze: Right? Because I'm not giving up my copies. I love 508 00:26:28,240 --> 00:26:29,570 Suze: my copies. 509 00:26:30,180 --> 00:26:30,700 Suze: Well, 510 00:26:30,700 --> 00:26:33,690 Suze: you want to know why I know you're gonna think 511 00:26:33,690 --> 00:26:38,100 Suze: I'm a little crazy. But reading those books have also 512 00:26:38,100 --> 00:26:41,550 Suze: helped me because in my head there's not a lot 513 00:26:41,550 --> 00:26:44,150 Suze: of difference between an animal and a person. 514 00:26:45,280 --> 00:26:46,320 Dr. Mary: No, it's 515 00:26:46,320 --> 00:26:48,390 Dr. Mary: not. And you know, a lot of people will say 516 00:26:48,400 --> 00:26:50,040 Dr. Mary: just get rid of like, you know, just get rid 517 00:26:50,040 --> 00:26:50,830 Dr. Mary: of them. 518 00:26:50,840 --> 00:26:51,980 Dr. Mary: That is 519 00:26:51,980 --> 00:26:56,410 Dr. Mary: There. I mean a pet brings significance. They bring comfort, 520 00:26:56,410 --> 00:27:01,010 Dr. Mary: they bring care, there's there's so much love that we 521 00:27:01,010 --> 00:27:03,270 Dr. Mary: can get from a pet and vice versa, that I 522 00:27:03,270 --> 00:27:04,949 Dr. Mary: don't want that. I just want to make sure that 523 00:27:04,950 --> 00:27:08,870 Dr. Mary: we're prepared for what it can cost. And it's not 524 00:27:08,869 --> 00:27:11,469 Dr. Mary: just the financial cost, it's the emotional cost, it's time 525 00:27:11,470 --> 00:27:14,440 Dr. Mary: cost some people. If you're working 10 hours a day, 526 00:27:14,680 --> 00:27:16,950 Dr. Mary: a dog may not be the best option. You should 527 00:27:16,950 --> 00:27:17,629 Dr. Mary: probably look at a 528 00:27:17,630 --> 00:27:18,850 Dr. Mary: cat, right? 529 00:27:18,859 --> 00:27:21,679 Dr. Mary: So there's a lot to owning them, but they're both great. 530 00:27:21,690 --> 00:27:25,389 Suze: And one last thing, what do people do who have 531 00:27:25,390 --> 00:27:29,639 Suze: animals and they have absolutely no money to take care 532 00:27:29,650 --> 00:27:30,440 Suze: of them at 533 00:27:30,450 --> 00:27:32,129 Suze: all. That's 534 00:27:32,130 --> 00:27:35,709 Suze: a hard question to end with. I know, but what 535 00:27:35,710 --> 00:27:36,870 Suze: do they do? 536 00:27:36,880 --> 00:27:37,450 Dr. Mary: I 537 00:27:38,280 --> 00:27:40,530 Dr. Mary: I I think the best thing if you do have 538 00:27:40,530 --> 00:27:45,159 Dr. Mary: a breed specific animal to definitely look into breed breed rescues. 539 00:27:45,160 --> 00:27:47,600 Dr. Mary: Like I said, I adopted my Doberman, he was six 540 00:27:47,600 --> 00:27:51,090 Dr. Mary: years old. There are people that will take your pet 541 00:27:51,100 --> 00:27:54,460 Dr. Mary: and care for them. So I I and also bringing 542 00:27:54,460 --> 00:27:57,459 Dr. Mary: them to wonderful. The shelters and rescues are wonderful and 543 00:27:57,460 --> 00:27:58,280 Dr. Mary: they want to adopt, 544 00:27:58,290 --> 00:28:01,070 Dr. Mary: dropped out. I used to work at the Broward County 545 00:28:01,070 --> 00:28:04,490 Dr. Mary: Humane Society. We wanted to find families for these animals. 546 00:28:04,490 --> 00:28:07,859 Dr. Mary: So don't just think it's a death sentence dropping them off. 547 00:28:07,869 --> 00:28:11,260 Dr. Mary: It's giving them a chance. It's giving them something, right? 548 00:28:11,270 --> 00:28:13,859 Dr. Mary: And so, and I think that's important. Don't feel guilty 549 00:28:13,859 --> 00:28:16,139 Dr. Mary: about it, you know, do the best that you can 550 00:28:16,150 --> 00:28:18,270 Dr. Mary: and and if and if providing 551 00:28:18,290 --> 00:28:21,460 Dr. Mary: love food and shelter is what you can minimally do. 552 00:28:21,460 --> 00:28:25,239 Dr. Mary: That's okay too. You don't have to do MRI's and 553 00:28:25,240 --> 00:28:27,830 Dr. Mary: all these, you know, big things, but if your pet 554 00:28:27,830 --> 00:28:30,200 Dr. Mary: is suffering then you should do the best thing for 555 00:28:30,200 --> 00:28:32,590 Dr. Mary: them and whether it's to find care elsewhere and give 556 00:28:32,590 --> 00:28:36,980 Dr. Mary: them up or sometimes unfortunately with some of these bigger problems, 557 00:28:36,980 --> 00:28:38,300 Dr. Mary: we do have to euthanize them 558 00:28:38,940 --> 00:28:39,530 Dr. Mary: and that is sad , 559 00:28:39,930 --> 00:28:42,790 Dr. Mary: but we can make it, we can make it good. 560 00:28:42,800 --> 00:28:46,150 Suze: You know, on some level. I think it's so great 561 00:28:46,150 --> 00:28:49,760 Suze: that animals can do that because I mean just switching 562 00:28:49,760 --> 00:28:53,290 Suze: topics for a second. Like I always think about people 563 00:28:53,300 --> 00:28:55,170 Suze: that are in such severe pain, 564 00:28:55,550 --> 00:28:59,450 Suze: they're sick, they can't walk there screaming in pain, They're 565 00:28:59,450 --> 00:29:02,680 Suze: on medication, they're using up all their money, There is 566 00:29:02,680 --> 00:29:06,250 Suze: no hope for them. It's just you know, they like 567 00:29:06,260 --> 00:29:08,840 Suze: why couldn't we just do that with people if that's 568 00:29:08,840 --> 00:29:11,830 Suze: what they want to do on some level. But there 569 00:29:11,830 --> 00:29:15,100 Suze: comes a time and I've seen the suffering 570 00:29:15,670 --> 00:29:20,100 Suze: of some people and the only relief that the family 571 00:29:20,100 --> 00:29:24,390 Suze: sometimes gets is after the person has actually passed away 572 00:29:24,400 --> 00:29:27,960 Suze: because they know that they're no longer screaming in pain 573 00:29:27,970 --> 00:29:33,130 Suze: every day. It's such a fascinating topic. My guest today 574 00:29:33,130 --> 00:29:38,300 Suze: has been Dr. Mary Gardner her books are "It's Never 575 00:29:38,300 --> 00:29:41,800 Suze: Long Enough," which is a practical guide everybody for caring 576 00:29:41,800 --> 00:29:43,620 Suze: for your geriatric dog 577 00:29:43,840 --> 00:29:48,380 Suze: and her children's activity book to help with kids to 578 00:29:48,380 --> 00:29:54,500 Suze: say goodbye to their loved animals. Title is "Forever Friend." 579 00:29:54,510 --> 00:29:57,240 Dr. Mary: Suzy, Thank you for having me. I hope it was 580 00:29:57,240 --> 00:29:58,270 Dr. Mary: helpful to some. 581 00:29:58,280 --> 00:30:01,070 Suze: I hope it was as well. I hope all of 582 00:30:01,070 --> 00:30:05,770 Suze: you on the women and money podcast. Family enjoyed this 583 00:30:05,770 --> 00:30:10,010 Suze: little deviation from the typical Suze school and the KT 584 00:30:10,400 --> 00:30:12,610 Suze: and Ask Suze Anything 585 00:30:12,830 --> 00:30:16,470 Suze: but let me know how you felt about it. Because 586 00:30:16,480 --> 00:30:19,490 Suze: I just think Mary's great and I think everything she 587 00:30:19,490 --> 00:30:23,150 Suze: has to say can really help you get those books 588 00:30:23,160 --> 00:30:27,130 Suze: and just keep a true perspective on what it costs 589 00:30:27,140 --> 00:30:30,280 Suze: to have an animal to keep an animal and what 590 00:30:30,280 --> 00:30:31,520 Suze: you do what 591 00:30:31,530 --> 00:30:35,170 Suze: and maybe you can't do that anymore, girlfriend. I hope 592 00:30:35,170 --> 00:30:37,230 Suze: I get to see you again one day in person. 593 00:30:37,230 --> 00:30:42,610 Suze: It's been so long, long time, right? But until everybody, 594 00:30:42,620 --> 00:30:44,570 Suze: there's really only one thing that I want you to 595 00:30:44,570 --> 00:30:46,900 Suze: remember when it comes to your money and it's this 596 00:30:46,910 --> 00:30:52,270 Suze: for you to be smart, strong, safe and secure. See 597 00:30:52,270 --> 00:30:54,440 Suze: you soon. Bye bye now.