1 00:00:07,869 --> 00:00:14,680 KT: OK, everybody, good morning. It is February 5th, 2026. Suze, 2 00:00:14,880 --> 00:00:18,959 KT: not '28, '26, and we wanna welcome you all to 3 00:00:18,959 --> 00:00:22,549 KT: the Women and Money podcast, and Everyone Smart enough to listen, 4 00:00:22,840 --> 00:00:25,360 KT: and I'm gonna start this show with something a little 5 00:00:25,360 --> 00:00:26,520 KT: different for Suze, 6 00:00:26,600 --> 00:00:30,840 Suze: but tell everybody what this show, this podcast is. It's 7 00:00:30,840 --> 00:00:32,720 Suze: a podcast, not a show, just so you know. 8 00:00:33,119 --> 00:00:34,619 KT: I'm starting this show... 9 00:00:35,900 --> 00:00:39,049 KT: A little bit different today. It's a show. It's the 10 00:00:39,049 --> 00:00:42,930 KT: KT show and, and my first, the first, so this 11 00:00:42,930 --> 00:00:44,810 KT: is about money, obviously... 12 00:00:45,020 --> 00:00:47,970 Suze: But... let's stop for one second please, KT. This is 13 00:00:47,970 --> 00:00:50,809 Suze: the Ask KT and Suze Anything podcast for those of 14 00:00:50,810 --> 00:00:54,529 Suze: you who are new to our podcast, and this is 15 00:00:54,529 --> 00:00:55,330 Suze: where if you write in... 16 00:00:55,439 --> 00:00:56,740 KT: Where have you been? 17 00:00:57,689 --> 00:00:59,889 Suze: Where have you been? And if you write in to 18 00:00:59,889 --> 00:01:03,709 Suze: ask Suze, S U Z E podcast at gmail.com. 19 00:01:04,500 --> 00:01:09,620 Suze: And you happen to write in a question that KT chooses, 20 00:01:09,739 --> 00:01:14,779 Suze: it's then answered on this podcast, right? But KT I 21 00:01:14,779 --> 00:01:17,459 Suze: have to say one other thing. As you know, a 22 00:01:17,459 --> 00:01:20,899 Suze: lot of scams using my name and everything have been 23 00:01:20,900 --> 00:01:21,980 Suze: going around. 24 00:01:22,500 --> 00:01:25,619 Suze: And so I wrote you on the Women and Money 25 00:01:25,620 --> 00:01:29,099 Suze: Community app. I'm not gonna be answering any of your 26 00:01:29,099 --> 00:01:32,220 Suze: questions because you don't really know right now. Is it me? 27 00:01:32,300 --> 00:01:36,099 Suze: Is it not me? However, when I do answer a 28 00:01:36,099 --> 00:01:40,099 Suze: question where I say to you, please write in to 29 00:01:40,099 --> 00:01:45,699 Suze: ask Suze podcast at gmail.com, it's obviously me. 30 00:01:46,349 --> 00:01:50,309 Suze: Right, so you would only respond to ask Suze podcast 31 00:01:50,309 --> 00:01:55,709 Suze: at gmail.com because I do want information from you. So 32 00:01:55,709 --> 00:01:57,709 Suze: that's how I will get it from you and you 33 00:01:57,709 --> 00:02:01,110 Suze: know it is me, just so you know. All right, KT. 34 00:02:01,989 --> 00:02:02,870 KT: So I decided. 35 00:02:03,129 --> 00:02:07,940 KT: Suze, I wanna open today's podcast with reading and sharing 36 00:02:07,940 --> 00:02:12,418 KT: some emails I've received that are uplifting and also give 37 00:02:12,419 --> 00:02:14,619 KT: us all a little faith at a time that I 38 00:02:14,619 --> 00:02:18,339 KT: think we need it. America needs it. So this, this 39 00:02:18,339 --> 00:02:22,179 KT: first letter, it said, Dear Suze, I was listening to 40 00:02:22,179 --> 00:02:25,679 KT: your podcast this morning, my weekend house cleaning routine. 41 00:02:26,300 --> 00:02:29,619 KT: And when you started reading my email at the top 42 00:02:29,619 --> 00:02:33,740 KT: of the show, I couldn't believe my ears. Your email 43 00:02:33,740 --> 00:02:36,959 KT: had been caught in my spam filter, so the podcast 44 00:02:37,339 --> 00:02:42,059 KT: was a complete surprise. I am still floored. And then 45 00:02:42,059 --> 00:02:44,860 KT: she writes, Suze, your advice has really helped me in 46 00:02:44,860 --> 00:02:47,970 KT: so many ways, not just my finances. 47 00:02:48,360 --> 00:02:51,960 KT: When I started watching your show 20 years ago, I 48 00:02:51,960 --> 00:02:55,638 KT: was a single mom and had just moved to DC 49 00:02:55,869 --> 00:03:00,240 KT: after accepting a government job in the international trade, making 50 00:03:00,240 --> 00:03:05,880 KT: about $65,000 a year. I didn't know anything about investing. 51 00:03:06,220 --> 00:03:09,948 KT: And my net worth was close to 0. Your show 52 00:03:09,949 --> 00:03:14,389 KT: made me nervous every week. That makes me laugh because everyone, 53 00:03:14,550 --> 00:03:17,949 KT: many people say that. Because I had so little saved 54 00:03:17,949 --> 00:03:21,948 KT: but also excited to try to change my situation and 55 00:03:21,949 --> 00:03:24,190 KT: empowered to give it a try. 56 00:03:24,710 --> 00:03:27,509 KT: I picked up your book The 9 Steps to Financial 57 00:03:27,508 --> 00:03:31,320 KT: Freedom at the airport on my first work trip, and 58 00:03:31,320 --> 00:03:36,929 KT: it transformed my life. Suze, that is not an exaggeration. 59 00:03:37,470 --> 00:03:42,270 KT: Transforming my relationship with finances gave me a new outlook 60 00:03:42,270 --> 00:03:46,470 KT: on life, including how I was approaching my career. 61 00:03:47,210 --> 00:03:51,440 KT: Suze, last month I was sworn in as an ambassador. 62 00:03:52,029 --> 00:03:53,300 Suze: Oh, makes KT cry. 63 00:03:53,449 --> 00:03:56,929 KT: Makes me so happy. And she said, I mean, this 64 00:03:56,929 --> 00:04:01,369 KT: is unbelievable how these people's lives change. I said, I 65 00:04:01,369 --> 00:04:05,979 KT: am so grateful for the opportunity to say thank you, Suze, directly. 66 00:04:06,330 --> 00:04:06,729 Suze: Yeah. 67 00:04:07,199 --> 00:04:10,389 Suze: And that's from a woman by the name of Julie 68 00:04:10,610 --> 00:04:14,770 Suze: who we're so proud of for her individual accomplishment. She 69 00:04:14,770 --> 00:04:18,170 Suze: went on KT, to get a PhD and everything, and 70 00:04:18,170 --> 00:04:21,970 Suze: I have been writing with her. Tell me why you 71 00:04:21,970 --> 00:04:24,880 Suze: really chose that particular email to read. 72 00:04:25,329 --> 00:04:28,670 KT: I just felt that she accomplished so much. 73 00:04:29,260 --> 00:04:34,369 KT: From nothing she was a ground zero Suze listener and 74 00:04:34,369 --> 00:04:38,890 KT: 20 years later as a single mom in a new career, 75 00:04:38,940 --> 00:04:44,559 KT: a government position, unbelievable how she, you know, just excelled 76 00:04:44,820 --> 00:04:47,839 KT: and believed in herself. She believed she could do it 77 00:04:48,040 --> 00:04:51,260 KT: with her money and with her career and everything else. 78 00:04:51,339 --> 00:04:56,519 Suze: The point of that when you believe in who you are. 79 00:04:57,019 --> 00:05:00,979 Suze: You have to believe in your money as well, everybody, 80 00:05:01,100 --> 00:05:04,339 Suze: meaning that if you can't deal with your money, you 81 00:05:04,339 --> 00:05:07,339 Suze: can't deal with your own potential. If you can't deal 82 00:05:07,339 --> 00:05:10,140 Suze: with what can happen with your money and how you 83 00:05:10,140 --> 00:05:12,959 Suze: can be in control of your money, you can't feel 84 00:05:12,959 --> 00:05:15,540 Suze: like you are in control of your life. Why? Because 85 00:05:15,540 --> 00:05:18,299 Suze: you and your money are one, and Julie is a 86 00:05:18,299 --> 00:05:21,260 Suze: perfect example of that. So for those of you listening 87 00:05:21,260 --> 00:05:21,959 Suze: right now. 88 00:05:22,440 --> 00:05:25,959 Suze: If you feel you can't, I'm telling you you can. 89 00:05:26,238 --> 00:05:29,899 Suze: If you feel afraid, I'm telling you to face your fear. 90 00:05:30,149 --> 00:05:33,600 Suze: If you feel that you just wanna be more, but 91 00:05:33,600 --> 00:05:37,000 Suze: you don't know how to have more, turn towards your money. 92 00:05:37,238 --> 00:05:40,159 Suze: Learn about your money, and you will learn about who 93 00:05:40,160 --> 00:05:41,920 Suze: you are. KT next. 94 00:05:42,488 --> 00:05:46,670 KT: OK, so let's continue with some of these questions and sharing. 95 00:05:47,019 --> 00:05:50,100 KT: Dear Suze, I've been listening to you off and on 96 00:05:50,100 --> 00:05:55,700 KT: for over five decades. Is that true? 50 years, but 97 00:05:55,700 --> 00:05:58,559 KT: never felt the need to call or write in until 98 00:05:58,559 --> 00:05:59,410 KT: this year. 99 00:06:00,579 --> 00:06:04,500 KT: Wow. When I was single, I worked in foster care 100 00:06:04,500 --> 00:06:07,459 KT: and was fortunate to adopt a baby who had been 101 00:06:07,459 --> 00:06:10,700 KT: left in the hospital. My daughter is now a young 102 00:06:10,700 --> 00:06:14,178 KT: teen with special needs and will likely never be able 103 00:06:14,178 --> 00:06:15,659 KT: to fully support herself. 104 00:06:16,204 --> 00:06:20,225 KT: I later married somewhat late in life to a man 105 00:06:20,225 --> 00:06:24,804 KT: with adult children. He retired early from military service, and 106 00:06:24,803 --> 00:06:28,984 KT: I continue to work. There is a large asset gap. 107 00:06:29,165 --> 00:06:35,005 KT: I have about 4 million, and he has around 600,000. Wow. 108 00:06:35,325 --> 00:06:38,904 KT: Over half of my assets came from my late parents 109 00:06:39,125 --> 00:06:42,195 KT: who wanted me to protect this inheritance for my daughter. 110 00:06:42,315 --> 00:06:42,755 KT: You bet. 111 00:06:43,220 --> 00:06:47,390 KT: We're creating a joint revocable trust and agreed that my 112 00:06:47,390 --> 00:06:52,549 KT: daughter will inherit our primary home which I owned before marriage. 113 00:06:52,869 --> 00:06:58,230 KT: While remaining assets will be divided equally among all children 114 00:06:58,230 --> 00:07:01,989 KT: after both of our deaths. I'm worried this may short 115 00:07:01,988 --> 00:07:06,589 KT: change my daughter. Attorneys are costly where we live, but 116 00:07:06,589 --> 00:07:10,269 KT: I feel I should seek one who represents only me 117 00:07:10,269 --> 00:07:11,070 KT: before signing. 118 00:07:11,149 --> 00:07:12,350 Suze: You absolutely should. 119 00:07:12,910 --> 00:07:16,309 Suze: All right. And here's the thing. So Marie, I want 120 00:07:16,309 --> 00:07:19,149 Suze: you to listen to me. You've been listening to me 121 00:07:19,149 --> 00:07:22,309 Suze: for five decades, and you are not gonna stop listening 122 00:07:22,309 --> 00:07:24,989 Suze: to me now. Do you hear me? 123 00:07:26,260 --> 00:07:31,359 Suze: You have $4 million in assets, half of which came 124 00:07:31,760 --> 00:07:35,700 Suze: from your late parents who wanted that money to protect 125 00:07:35,700 --> 00:07:41,709 Suze: your daughter after you died. You cannot dishonor them by 126 00:07:41,709 --> 00:07:43,100 Suze: not doing that. 127 00:07:44,070 --> 00:07:47,269 Suze: That's why they left it to you and to her, 128 00:07:47,670 --> 00:07:52,320 Suze: so at least 2 million of that 4 million besides 129 00:07:52,320 --> 00:07:56,709 Suze: the house needs to go to your daughter, not to 130 00:07:56,709 --> 00:08:01,700 Suze: his children at all. If you're leaving the house to 131 00:08:01,700 --> 00:08:02,390 Suze: your daughter. 132 00:08:02,920 --> 00:08:07,359 Suze: There are expenses to inheriting a house. There are property taxes. 133 00:08:07,440 --> 00:08:12,519 Suze: There are insurance. There's maintenance, all kinds of things. Therefore, 134 00:08:12,640 --> 00:08:15,920 Suze: she is going to need money. Also, you say that 135 00:08:15,920 --> 00:08:19,600 Suze: she has special needs. She may need a caretaker who 136 00:08:19,600 --> 00:08:23,000 Suze: knows whatever. I personally have to tell you, I would 137 00:08:23,000 --> 00:08:27,320 Suze: leave it all to her. He could leave all his 138 00:08:27,320 --> 00:08:31,459 Suze: $600,000 to his children, but 139 00:08:32,030 --> 00:08:37,460 Suze: I would absolutely see a lawyer that absolutely represents your interests. 140 00:08:37,700 --> 00:08:40,200 Suze: I would not put a penny of my money in 141 00:08:40,200 --> 00:08:43,718 Suze: joint name on any level. I would keep it all 142 00:08:43,719 --> 00:08:46,679 Suze: in separate name, and I would ask you to think 143 00:08:46,679 --> 00:08:50,919 Suze: about this. Now, how many times have I said you 144 00:08:50,919 --> 00:08:54,700 Suze: never ask a question that you don't know the answer to, 145 00:08:55,200 --> 00:08:59,039 Suze: especially when it's a question like this? In your gut 146 00:08:59,530 --> 00:09:03,419 Suze: you know what you wanna do and therefore you have 147 00:09:03,570 --> 00:09:07,030 Suze: to do it, OK? That's what I would tell you. 148 00:09:07,409 --> 00:09:08,409 Suze: Do you agree with that, KT? 149 00:09:08,609 --> 00:09:12,968 KT: Totally agree. Yeah, yeah. And if he loves her and 150 00:09:12,969 --> 00:09:15,690 KT: they have a really great marriage, I think that he 151 00:09:15,690 --> 00:09:16,669 KT: would agree to that. 152 00:09:16,809 --> 00:09:19,760 Suze: He would care more about her daughter than dividing it equally. 153 00:09:19,809 --> 00:09:20,189 KT: I think so. 154 00:09:20,330 --> 00:09:23,628 Suze: Are you kidding me? No way. All right. 155 00:09:24,130 --> 00:09:26,890 KT: This one I chose because buying your first home in 156 00:09:26,890 --> 00:09:31,309 KT: your 50s, wow, a lot of people are here. Hi Suze, 157 00:09:31,369 --> 00:09:33,689 KT: I'm reading your Women and Money book and in the 158 00:09:33,690 --> 00:09:36,489 KT: book you say your mortgage should be paid off by 159 00:09:36,489 --> 00:09:39,689 KT: the time you retire. Well, wait a minute, ready? 160 00:09:40,330 --> 00:09:44,570 KT: Suze, have your thoughts on this changed considering people are 161 00:09:44,570 --> 00:09:48,409 KT: not able to buy homes at a younger age as 162 00:09:48,409 --> 00:09:51,890 KT: they once were due to the high cost to purchase 163 00:09:51,890 --> 00:09:55,409 KT: a home and high interest rates? Fair enough, Suze. 164 00:09:55,929 --> 00:09:59,530 KT: I'm curious what your advice is to the person wanting 165 00:09:59,530 --> 00:10:03,929 KT: to own their first home in their 50s. It feels 166 00:10:03,929 --> 00:10:09,439 KT: like owning a home are dreams deferred in these recent times. Sad, 167 00:10:09,929 --> 00:10:11,228 KT: what's your thought on that? 168 00:10:11,599 --> 00:10:14,570 Suze: Let's be clear first, KT, about what I think about 169 00:10:14,570 --> 00:10:16,608 Suze: owning your home by the time you retire. 170 00:10:17,489 --> 00:10:20,609 Suze: All of you, if you know that you have a 171 00:10:20,609 --> 00:10:23,640 Suze: home that you are going to keep forever, you know this, 172 00:10:23,770 --> 00:10:27,250 Suze: you feel it, it's how you want it, all right, 173 00:10:27,650 --> 00:10:32,320 Suze: then your number one goal should absolutely be, in my opinion, 174 00:10:32,609 --> 00:10:36,089 Suze: owning that home outright by the time you retire. These 175 00:10:36,090 --> 00:10:40,570 Suze: things about 50-year mortgages and everything, are you crazy? Your 176 00:10:40,570 --> 00:10:42,789 Suze: absolute biggest expense, 177 00:10:43,440 --> 00:10:46,799 Suze: is the mortgage on your home. It's one thing to 178 00:10:46,799 --> 00:10:49,309 Suze: have a lot of money in a retirement account, but 179 00:10:49,309 --> 00:10:52,719 Suze: when that money in the retirement account is generating enough 180 00:10:52,719 --> 00:10:55,479 Suze: money simply to pay the mortgage, now we're in trouble. 181 00:10:55,599 --> 00:11:00,960 Suze: So therefore, get rid of your expenses in retirement, and 182 00:11:00,960 --> 00:11:04,700 Suze: that's how you make your money, make more money. If, however, 183 00:11:04,919 --> 00:11:07,239 Suze: you know you're gonna have a home, you're gonna sell 184 00:11:07,239 --> 00:11:09,339 Suze: it by the time you're 65 or 70. 185 00:11:09,690 --> 00:11:12,059 Suze: That's a whole different thing than just keep paying your 186 00:11:12,059 --> 00:11:16,580 Suze: mortgage and sell it. However, if you're gonna buy a 187 00:11:16,580 --> 00:11:18,739 Suze: home in your 50s, 188 00:11:19,880 --> 00:11:22,598 Suze: I would want you if you knew that you wanted 189 00:11:22,599 --> 00:11:26,039 Suze: to keep that home for the long run, I would 190 00:11:26,039 --> 00:11:28,840 Suze: ask you to see if you could afford buying it 191 00:11:28,840 --> 00:11:34,719 Suze: with a 15 year mortgage versus a 30 year mortgage, 192 00:11:34,900 --> 00:11:37,520 Suze: which means you're gonna be paying that mortgage all the 193 00:11:37,520 --> 00:11:40,580 Suze: way until you're 80 or 85. 194 00:11:41,650 --> 00:11:44,530 Suze: I don't want that for you, because as you get older, 195 00:11:44,570 --> 00:11:48,330 Suze: you have long term care expenses, medical expenses, trust me, 196 00:11:48,489 --> 00:11:53,030 Suze: KT and I know it gets more and more expensive 197 00:11:53,190 --> 00:11:56,650 Suze: as you get older, believe it or not. So if 198 00:11:56,650 --> 00:11:59,330 Suze: you're gonna buy a home in the 50s, then I'm 199 00:11:59,330 --> 00:12:02,609 Suze: asking you to look at a 15 year mortgage, which is, 200 00:12:02,669 --> 00:12:06,650 Suze: by the way, usually a half a percent less in interest than 201 00:12:06,650 --> 00:12:08,369 Suze: a 30 year mortgage. 202 00:12:09,190 --> 00:12:13,010 Suze: Listen, if you can't afford to buy a home. 203 00:12:13,979 --> 00:12:16,979 Suze: That's not the end of this world. I get that 204 00:12:16,979 --> 00:12:20,098 Suze: you feel that you're throwing out money by renting and 205 00:12:20,099 --> 00:12:22,459 Suze: that you really want to own a home which is 206 00:12:22,460 --> 00:12:26,439 Suze: part of the American dream. My American dream for all 207 00:12:26,440 --> 00:12:31,020 Suze: of you is that you are financially independent, and there 208 00:12:31,020 --> 00:12:34,939 Suze: are incredible expenses to owning a home whether you know 209 00:12:34,940 --> 00:12:39,039 Suze: it or not. The expenses of maintenance. 210 00:12:39,679 --> 00:12:44,059 Suze: Insurance going up, property taxes going up, having to replace 211 00:12:44,059 --> 00:12:49,239 Suze: a refrigerator, a water heater, all kinds of things that 212 00:12:49,239 --> 00:12:54,159 Suze: make owning a home quite expensive. Plus, we now have 213 00:12:54,159 --> 00:12:57,510 Suze: to take into consideration the climate. 214 00:12:58,500 --> 00:13:01,718 Suze: Things are happening throughout the United States. I don't care 215 00:13:01,719 --> 00:13:05,289 Suze: how you feel about climate warming or climate colding or 216 00:13:05,289 --> 00:13:10,419 Suze: whatever is happening, we now have more tornadoes, more hurricanes, 217 00:13:10,659 --> 00:13:15,880 Suze: more earthquakes. San Francisco just had one than ever before, so. 218 00:13:16,650 --> 00:13:19,940 Suze: Are you going to be able to be insured against 219 00:13:20,260 --> 00:13:24,580 Suze: natural disasters? Look at what happened in California. Many of 220 00:13:24,580 --> 00:13:31,080 Suze: those homes are not insured, OK? So, please think about this. 221 00:13:31,260 --> 00:13:35,619 Suze: If you can't afford a 15-year mortgage, and you are 222 00:13:35,619 --> 00:13:39,218 Suze: in your 50s, and your goal is to keep a 223 00:13:39,219 --> 00:13:43,049 Suze: home forever, I would probably say to you, all right, 224 00:13:43,260 --> 00:13:44,979 Suze: maybe you should continue renting. 225 00:13:45,440 --> 00:13:47,880 Suze: If, however, you just want to buy a home for 226 00:13:47,880 --> 00:13:50,080 Suze: the next 10 years, and then you know you're gonna 227 00:13:50,080 --> 00:13:53,840 Suze: sell or whatever, OK, you can do that if you want. 228 00:13:54,590 --> 00:13:58,619 Suze: But I have not changed my opinion on home ownership. 229 00:13:59,080 --> 00:14:03,989 Suze: I don't think at this point in time, it's absolutely 230 00:14:03,989 --> 00:14:06,479 Suze: as much as it cracks up to be. 231 00:14:07,000 --> 00:14:07,599 Suze: Next question, KT. 232 00:14:08,520 --> 00:14:13,738 KT: Dear Suze, my son, who has been incarcerated since 2018, 233 00:14:14,280 --> 00:14:17,900 KT: received a debt collector letter a couple of weeks ago 234 00:14:18,049 --> 00:14:21,700 KT: at my home address. Now, this woman, this mom is 235 00:14:21,700 --> 00:14:25,090 KT: 70 years old, and she says the letter stated, Suze, 236 00:14:25,119 --> 00:14:31,599 KT: that the current creditor debt that was owed on December 12, 2012. 237 00:14:32,539 --> 00:14:38,659 KT: With interest and fees is now $9,576 and the debt 238 00:14:38,659 --> 00:14:42,659 KT: collector is now asking for a response in this letter 239 00:14:42,659 --> 00:14:47,460 KT: to her or to him at her home by February 11, 2026. 240 00:14:48,664 --> 00:14:51,965 KT: So what she's asking is, Suze, after so many years, 241 00:14:52,184 --> 00:14:55,945 KT: can a debt be charged off or dismissed, especially if 242 00:14:55,945 --> 00:14:57,135 KT: he's incarcerated? What do you do? 243 00:14:58,395 --> 00:15:01,145 Suze: I want all of you to listen and listen to 244 00:15:01,145 --> 00:15:04,984 Suze: me very closely. When you have a debt, 245 00:15:05,760 --> 00:15:10,309 Suze: that now has been charged off, right? You, anybody, doesn't 246 00:15:10,309 --> 00:15:13,280 Suze: matter who, meaning you haven't paid for it for a 247 00:15:13,280 --> 00:15:16,840 Suze: number of years, and the original creditor has just written 248 00:15:16,840 --> 00:15:21,239 Suze: it off as a bad debt. It still stays on 249 00:15:21,239 --> 00:15:23,260 Suze: your credit report, however. 250 00:15:24,260 --> 00:15:29,780 Suze: What happens is there are companies, collection agencies that go 251 00:15:29,780 --> 00:15:33,690 Suze: and buy these debts for pennies on the dollar. 252 00:15:34,400 --> 00:15:36,729 Suze: And then what they do is they send you a 253 00:15:36,729 --> 00:15:41,780 Suze: letter like this threatening they're either gonna sue you or 254 00:15:41,780 --> 00:15:43,849 Suze: that it has to be paid, this is how much 255 00:15:43,849 --> 00:15:47,969 Suze: now you owe in the hopes of that you are 256 00:15:47,969 --> 00:15:52,520 Suze: going to respond and say, OK, I'll send in $10 257 00:15:52,520 --> 00:15:53,710 Suze: a month or whatever. 258 00:15:54,559 --> 00:15:59,979 Suze: The time clock for a debt like this, KT usually 259 00:16:00,630 --> 00:16:05,679 Suze: is about four or five years after charge off. So 260 00:16:05,679 --> 00:16:08,700 Suze: if they haven't paid it in that period of time, 261 00:16:09,239 --> 00:16:13,599 Suze: then nobody can sue you anymore. It's passed the statute 262 00:16:13,599 --> 00:16:17,799 Suze: of limitations, and every state has their own statute, the 263 00:16:17,799 --> 00:16:21,760 Suze: number of years, but usually it's four or five years 264 00:16:21,760 --> 00:16:22,880 Suze: after that time. 265 00:16:23,260 --> 00:16:28,539 Suze: That debt cannot be collected anymore unless obviously it's a 266 00:16:28,539 --> 00:16:31,340 Suze: student loan or something like that, but when it's a 267 00:16:31,340 --> 00:16:34,340 Suze: credit card and things like that, it's gone. It's a 268 00:16:34,340 --> 00:16:39,099 Suze: loss to that company. These collection agencies come in, they 269 00:16:39,099 --> 00:16:42,450 Suze: write this mom a letter in the hopes that mom's 270 00:16:42,450 --> 00:16:46,690 Suze: gonna say, yes, I'll send in money. I'll respond. I'll 271 00:16:46,690 --> 00:16:50,179 Suze: do whatever. They're pressuring her. Now, if she does... 272 00:16:51,039 --> 00:16:56,559 Suze: It starts the time clock all over again, so you 273 00:16:56,559 --> 00:16:59,400 Suze: are not to respond to this email. You are to 274 00:16:59,400 --> 00:17:04,760 Suze: not say anything... or to this letter, nothing at all, period. 275 00:17:04,880 --> 00:17:08,339 Suze: Just rip it up. I doubt highly 276 00:17:08,759 --> 00:17:12,159 Suze: that you'll continue to hear from them, but whatever you do, 277 00:17:12,479 --> 00:17:16,749 Suze: do not respond, do not say you're gonna send in money, 278 00:17:16,958 --> 00:17:22,638 Suze: do not get afraid. The statute of limitations is absolutely up. Now, obviously, 279 00:17:23,369 --> 00:17:26,688 Suze: if I'm missing something here and they send you something 280 00:17:26,689 --> 00:17:28,530 Suze: where you have to go to court, it's from a 281 00:17:28,530 --> 00:17:32,410 Suze: legal thing, that's different. You can't ignore that, but I 282 00:17:32,410 --> 00:17:36,849 Suze: would bet my bottom dollar you're not gonna get that. OK, KT. 283 00:17:37,250 --> 00:17:40,150 KT: All right. Next question is from Antonia. 284 00:17:40,819 --> 00:17:42,579 KT: I like that name Antonia. 285 00:17:42,819 --> 00:17:44,520 Suze: KT, you like all names. 286 00:17:44,810 --> 00:17:45,680 KT: My name is... 287 00:17:46,140 --> 00:17:50,880 Suze: Wait, before you even go on, everybody likes your haircut. 288 00:17:51,300 --> 00:17:51,819 KT: They do. 289 00:17:52,020 --> 00:17:54,219 Suze: They do tell everybody how much you paid for it. 290 00:17:54,810 --> 00:17:55,339 KT: Um, 291 00:17:55,530 --> 00:17:56,500 Suze: 85 bucks... 292 00:17:56,619 --> 00:17:59,339 KT: I think, I think with the tip and everything, probably 293 00:17:59,339 --> 00:18:03,930 KT: it was under $100 like around 87, 85, something like that. 294 00:18:04,160 --> 00:18:05,290 Suze: All right, so that's number one... 295 00:18:05,780 --> 00:18:08,739 KT: But you know what, Suze, it wasn't fair. I just learned something. 296 00:18:08,819 --> 00:18:12,978 KT: We're not gonna mention my hairstylist, but Mark, our trainer, 297 00:18:13,060 --> 00:18:16,419 KT: went to the same hairdresser I went to. I recommended him. 298 00:18:16,900 --> 00:18:20,060 KT: Mark's a man. His haircut and his hair's longer than 299 00:18:20,060 --> 00:18:22,420 KT: mine was $55. 300 00:18:23,060 --> 00:18:26,500 KT: And I told, wait, wait, so I said, Mark, I 301 00:18:26,500 --> 00:18:29,699 KT: can't believe he only charged you 55. I paid just 302 00:18:29,699 --> 00:18:32,890 KT: under 100, and he said, well, you're a woman. I said, 303 00:18:33,060 --> 00:18:35,319 KT: so what? Look at my head and look at yours. 304 00:18:35,550 --> 00:18:37,750 KT: My hair is shorter than yours, Mark. 305 00:18:38,250 --> 00:18:41,030 KT: And he said, I know, but they always charge women more. 306 00:18:41,369 --> 00:18:41,969 KT: Isn't that crazy? 307 00:18:42,609 --> 00:18:43,869 Suze: You know, you need to tell. 308 00:18:44,329 --> 00:18:47,270 KT: I will. I'm gonna tell my, my guy. But in 309 00:18:47,270 --> 00:18:50,010 KT: the old days they say that originally... 310 00:18:50,290 --> 00:18:50,959 Suze: No, I know, but... 311 00:18:51,290 --> 00:18:53,170 KT: ... men would need to go in for a trim once a week. 312 00:18:53,640 --> 00:18:55,849 Suze: Yeah, but I don't care about the old days. I 313 00:18:55,849 --> 00:19:00,930 Suze: care about today anyway, but they like your haircut. They 314 00:19:00,930 --> 00:19:03,109 Suze: loved our little video that we did. 315 00:19:03,630 --> 00:19:03,800 KT: You think we should do more? 316 00:19:04,920 --> 00:19:05,589 Suze: I don't know. 317 00:19:06,239 --> 00:19:07,359 KT: Maybe we'll do one for Super Bowl. 318 00:19:07,979 --> 00:19:11,399 Suze: We'll see what happens there. But it was almost split. 319 00:19:11,560 --> 00:19:15,119 Suze: People liked my glasses, and they didn't like my glasses. 320 00:19:15,239 --> 00:19:18,719 Suze: They liked your haircut, but they were divided about my glasses. 321 00:19:18,800 --> 00:19:21,880 Suze: But I wanna tell you all something. I'm divided again 322 00:19:21,880 --> 00:19:24,750 Suze: about them as well. Sometimes I like how they look, 323 00:19:25,000 --> 00:19:27,060 Suze: and sometimes I don't like how I look in them. 324 00:19:27,239 --> 00:19:29,479 Suze: So I agree with all of you. KT, next question. 325 00:19:29,829 --> 00:19:31,800 KT: OK. This is from Antonia. 326 00:19:32,250 --> 00:19:35,770 KT: I am 74 years old and a widow. I also 327 00:19:35,770 --> 00:19:38,469 KT: own a business, and she has a software company. 328 00:19:39,550 --> 00:19:42,869 KT: I own property and land with no mortgage and no 329 00:19:42,869 --> 00:19:46,510 KT: credit card debt. I have a revocable trust that was 330 00:19:46,510 --> 00:19:50,790 KT: done in December 2025, so she just did it. My 331 00:19:50,790 --> 00:19:54,790 KT: son is a good person, but not very responsible.. 332 00:19:54,790 --> 00:19:57,989 Suze: When I hear that, I go, uh oh. 333 00:19:58,469 --> 00:20:00,869 KT: Wait, this is the funny part. Listen to this, but 334 00:20:00,869 --> 00:20:04,209 KT: not very responsible with money. Then, then in brackets she wrote: 335 00:20:04,770 --> 00:20:10,160 KT: This is very funny, she said he does drink, no smoking, clean. 336 00:20:11,089 --> 00:20:14,030 Suze: So it means he drinks, but he doesn't do drugs or smoke cigarettes... 337 00:20:14,930 --> 00:20:17,969 KT: Yeah, so he does drink. Isn't that funny though that 338 00:20:17,969 --> 00:20:20,929 KT: she put that in? I am being advised to name 339 00:20:20,930 --> 00:20:26,239 KT: my trust as the beneficiary of my IRA and 401k 340 00:20:26,770 --> 00:20:31,089 KT: and of all my other savings. I'm getting so much 341 00:20:31,089 --> 00:20:35,410 KT: conflicting information. My goal is to protect my unmarried son 342 00:20:35,849 --> 00:20:37,989 KT: who drinks but he's clean otherwise. 343 00:20:38,689 --> 00:20:42,560 KT: I want my estate to pay for the taxes, insurance, 344 00:20:42,609 --> 00:20:46,910 KT: and repairs on the properties and not to deplete everything 345 00:20:46,910 --> 00:20:50,609 KT: in 10 years as I was told. Suze, I would 346 00:20:50,609 --> 00:20:53,650 KT: appreciate your advice. So she needs your advice. 347 00:20:54,449 --> 00:21:03,239 Suze: Obviously, so it's.. Antonia. I want you to listen to 348 00:21:03,239 --> 00:21:06,040 Suze: me within your trust, 349 00:21:06,849 --> 00:21:12,770 Suze: you have to appoint a successor trustee who is going 350 00:21:12,770 --> 00:21:16,089 Suze: to be in charge of all of this money on 351 00:21:16,089 --> 00:21:18,359 Suze: the behalf of your son. 352 00:21:19,060 --> 00:21:22,119 Suze: And you have to kind of lay out guidelines for 353 00:21:22,119 --> 00:21:26,140 Suze: them unless you wanna give them full discretion. I think 354 00:21:26,140 --> 00:21:30,479 Suze: the advice is correct that you should have a trust 355 00:21:30,660 --> 00:21:34,540 Suze: as the beneficiary to things, maybe not the most efficient 356 00:21:34,540 --> 00:21:37,239 Suze: way to do it. Make sure it's a see-through trust 357 00:21:38,020 --> 00:21:41,438 Suze: for your IRAs and your 401ks and everything. 358 00:21:42,020 --> 00:21:46,719 Suze: But what also concerns me is does your son have 359 00:21:46,719 --> 00:21:50,819 Suze: the ability to manage all of your properties? It's one 360 00:21:50,819 --> 00:21:54,099 Suze: thing to pay for all the taxes and the insurance 361 00:21:54,099 --> 00:21:58,530 Suze: and everything, but there's also management of properties. So you 362 00:21:58,530 --> 00:21:59,979 Suze: may also decide that you 363 00:22:00,114 --> 00:22:04,974 Suze: need a property manager for your properties for your business, 364 00:22:05,145 --> 00:22:08,574 Suze: whatever it may be, but it should not be your 365 00:22:08,574 --> 00:22:13,574 Suze: son until your son demonstrates to you that he is 366 00:22:13,574 --> 00:22:18,813 Suze: responsible and that he doesn't drink too much, all right, 367 00:22:18,854 --> 00:22:22,155 Suze: but that's what you should do all right, everybody, yes, 368 00:22:22,614 --> 00:22:24,895 KT: Suze, here's my next email. 369 00:22:25,430 --> 00:22:29,060 KT: This is from Anisha. Hello, Suze. I hope your new 370 00:22:29,060 --> 00:22:32,689 KT: year began on a loving and positive note. I have 371 00:22:32,689 --> 00:22:35,060 KT: been learning much from you and want to share what 372 00:22:35,060 --> 00:22:39,699 KT: I've learned with my family. My mother and stepfather are 373 00:22:39,699 --> 00:22:45,198 KT: in their 70s. They are retired and collecting Social Security. 374 00:22:45,459 --> 00:22:49,020 KT: They both do not have retirement plans and only have 375 00:22:49,020 --> 00:22:50,780 KT: Social Security benefits. 376 00:22:51,250 --> 00:22:55,060 KT: My stepfather worked as a deli manager in a supermarket 377 00:22:55,060 --> 00:22:59,650 KT: for years, and my mother worked sporadically off the books, 378 00:22:59,989 --> 00:23:04,339 KT: so no retirement account and no real savings. They have 379 00:23:04,339 --> 00:23:08,780 KT: life insurance policies, but no investments, no money market accounts, 380 00:23:08,890 --> 00:23:13,180 KT: no retirement, and no real savings. My mom and I 381 00:23:13,180 --> 00:23:17,079 KT: were discussing wills, and my stepfather said no need. 382 00:23:17,619 --> 00:23:22,659 KT: I was secretly thinking of purchasing for them the must-have documents. 383 00:23:23,089 --> 00:23:27,430 KT: My stepfather insists they do not have anything to leave behind, 384 00:23:27,890 --> 00:23:31,688 KT: so no need for documents like wills or trusts. Is 385 00:23:31,689 --> 00:23:32,609 KT: this accurate? 386 00:23:32,770 --> 00:23:35,119 Suze: KT, why are men so stubborn? 387 00:23:35,410 --> 00:23:35,810 KT: Men... 388 00:23:36,030 --> 00:23:39,609 Suze: Right? Usually, everybody, and the reason I say that is 389 00:23:39,609 --> 00:23:43,129 Suze: that so many women write in saying, my husband doesn't 390 00:23:43,130 --> 00:23:45,930 Suze: think I need a will or a trust. My father 391 00:23:45,930 --> 00:23:49,930 Suze: doesn't think they need one, and on and on. Anisha, 392 00:23:50,010 --> 00:23:51,089 Suze: here's the truth. 393 00:23:51,699 --> 00:23:56,219 Suze: Your stepfather is not all that wrong because if in 394 00:23:56,219 --> 00:24:00,540 Suze: fact you rent, you don't own anything, any assets and all, 395 00:24:00,819 --> 00:24:04,420 Suze: what could happen is whatever money they do have is 396 00:24:04,420 --> 00:24:08,219 Suze: probably in a joint account in both their names. You 397 00:24:08,219 --> 00:24:10,458 Suze: can make it a pay on death account or transfer 398 00:24:10,459 --> 00:24:13,260 Suze: on death account which upon their death, both of them, 399 00:24:13,300 --> 00:24:16,260 Suze: it goes immediately to you or to whoever the money's 400 00:24:16,260 --> 00:24:17,260 Suze: supposed to go to. 401 00:24:17,729 --> 00:24:21,458 Suze: The only problem that we have, which is why they 402 00:24:21,459 --> 00:24:26,130 Suze: might want a revocable trust and why you might want to, 403 00:24:26,270 --> 00:24:30,160 Suze: believe it or not, purchase the must-have documents for $99 404 00:24:30,699 --> 00:24:33,530 Suze: which is $2,500 worth of state of the art documents. 405 00:24:33,609 --> 00:24:40,179 Suze: By the way, everybody go to must-havedocs.com, check it out. Fabulous. 406 00:24:40,430 --> 00:24:44,979 Suze: Is this... Mom and dad are in a car crash together. 407 00:24:45,099 --> 00:24:46,659 Suze: Let's just say that's true. 408 00:24:47,449 --> 00:24:49,979 Suze: And now they are both incapacitated. 409 00:24:51,540 --> 00:24:54,449 Suze: Who is going to pay their bills for them? Who's 410 00:24:54,449 --> 00:24:56,630 Suze: going to be able to access their money for them? 411 00:24:56,900 --> 00:25:02,300 Suze: They cannot do it if they're incapacitated, and that's where 412 00:25:02,300 --> 00:25:06,260 Suze: either your name goes on their accounts so that you 413 00:25:06,260 --> 00:25:10,420 Suze: can do so, or they have a revocable trust where 414 00:25:10,420 --> 00:25:15,419 Suze: they own everything in trust where you are the successor trustee. 415 00:25:15,959 --> 00:25:20,260 Suze: Just that simple. So in case of an incapacity, you're 416 00:25:20,260 --> 00:25:24,959 Suze: able to make decisions for them, even while they're both alive. 417 00:25:25,229 --> 00:25:27,270 Suze: Let's just say they get older. 418 00:25:27,869 --> 00:25:30,260 Suze: And now they're kind of losing it a little bit 419 00:25:30,479 --> 00:25:34,359 Suze: and neither of them are making wise decisions then you 420 00:25:34,359 --> 00:25:36,739 Suze: wanna be able to step in and be able to 421 00:25:37,000 --> 00:25:40,199 Suze: do things for them and the easiest way to do 422 00:25:40,199 --> 00:25:43,560 Suze: that is with a revocable living trust that has an 423 00:25:43,560 --> 00:25:47,579 Suze: incapacity clause in it. I just wanna say one other thing. 424 00:25:48,040 --> 00:25:50,680 Suze: Walk through their home. 425 00:25:51,349 --> 00:25:54,300 Suze: And I don't know if you have siblings or not, 426 00:25:54,640 --> 00:25:57,680 Suze: cause if you do, this is where a will comes 427 00:25:57,680 --> 00:26:01,560 Suze: in handy. Who's gonna get that picture that all of 428 00:26:01,560 --> 00:26:02,280 Suze: you want? 429 00:26:02,910 --> 00:26:05,760 Suze: Who's gonna get the little things around the house that 430 00:26:05,760 --> 00:26:09,319 Suze: mean nothing to anybody, but 1 may mean more to 431 00:26:09,319 --> 00:26:12,079 Suze: you than your sister. And so what were you gonna say, KT? 432 00:26:12,229 --> 00:26:14,880 KT: Your auntie did that. Tell them that story. It was 433 00:26:14,880 --> 00:26:15,560 KT: so great. 434 00:26:15,640 --> 00:26:16,760 Suze: Yeah, my aunt... 435 00:26:16,910 --> 00:26:18,939 KT: Aunt Thelma did that with her three children. 436 00:26:19,199 --> 00:26:19,280 Suze: Yeah. 437 00:26:19,359 --> 00:26:19,800 KT: That's great. 438 00:26:19,920 --> 00:26:23,359 Suze: Yeah, they all went through her apartment and they had 439 00:26:23,359 --> 00:26:26,599 Suze: to put a sticker on a little chart she made, yeah, 440 00:26:26,709 --> 00:26:28,140 Suze: of what they wanted. 441 00:26:28,689 --> 00:26:31,640 Suze: And if more than one put a sticker on something, 442 00:26:31,660 --> 00:26:33,659 Suze: then she got to decide who got it, but it 443 00:26:33,660 --> 00:26:39,099 Suze: was all decided beforehand and then designated and put into 444 00:26:39,099 --> 00:26:42,959 Suze: writing within her trust in her will. So I ask 445 00:26:42,959 --> 00:26:45,290 Suze: you to think about that, Anisha. Now if you're an 446 00:26:45,290 --> 00:26:50,920 Suze: only child, obviously it's all gonna go to you. So 447 00:26:51,060 --> 00:26:54,180 Suze: maybe that makes it a little bit easier, but there's 448 00:26:54,180 --> 00:26:57,819 Suze: nothing wrong with making it official because. 449 00:26:58,449 --> 00:27:01,429 Suze: And I don't like to talk about this, but it's possible. 450 00:27:01,859 --> 00:27:07,339 Suze: What happens if you die? Where does it go? Have 451 00:27:07,339 --> 00:27:11,479 Suze: they thought about that? Because it's not always that they 452 00:27:11,560 --> 00:27:16,579 Suze: die before you. Things go wrong in life, because, you know, 453 00:27:16,780 --> 00:27:20,000 Suze: it's wrong when a child dies before their parents, in 454 00:27:20,000 --> 00:27:23,979 Suze: my opinion, but it happens. So therefore it's obviously right 455 00:27:23,979 --> 00:27:26,260 Suze: in God's eyes, so... 456 00:27:26,890 --> 00:27:30,319 Suze: Think about that. It's not just I have nothing and 457 00:27:30,319 --> 00:27:33,880 Suze: therefore it doesn't matter. And when you think you have nothing, 458 00:27:34,000 --> 00:27:35,280 Suze: you never have something. 459 00:27:36,040 --> 00:27:40,369 Suze: So your stepfather needs to start stepping in the reality 460 00:27:40,670 --> 00:27:43,670 Suze: of life. All right, KT, one more, and that should 461 00:27:43,670 --> 00:27:43,979 Suze: be it. 462 00:27:44,829 --> 00:27:46,958 KT: So this is my final. It's from M&M. 463 00:27:48,060 --> 00:27:52,109 Suze: I love M&M's. Do you remember that? Tell them the story, 464 00:27:52,119 --> 00:27:53,030 KT: Plain or peanuts? 465 00:27:53,280 --> 00:27:56,869 Suze: I like plain it, and between M&M's and Raisinets is 466 00:27:56,869 --> 00:27:59,030 Suze: what caused me to gain a whole lot of weight. 467 00:27:59,400 --> 00:28:02,839 KT: When I met Suze, there was a great deal of 468 00:28:02,839 --> 00:28:07,239 KT: touring in her career, especially book tours, speaking tours, lots 469 00:28:07,239 --> 00:28:09,719 KT: and lots of we were on a plane a couple 470 00:28:09,719 --> 00:28:12,520 KT: of times a week. We were never in one city 471 00:28:12,520 --> 00:28:15,719 KT: more than a few days, and when you're a speaker 472 00:28:15,719 --> 00:28:18,400 KT: and a celebrity, they have what's called a rider, and 473 00:28:18,505 --> 00:28:22,484 KT: the rider is simply what's sent to the person booking you, 474 00:28:22,704 --> 00:28:25,665 KT: telling you what kind of, you know, food you like 475 00:28:25,665 --> 00:28:29,265 KT: to have as your snack or what you need in 476 00:28:29,265 --> 00:28:32,584 KT: terms of air conditioning, water, blah, blah, blah. So that's 477 00:28:32,584 --> 00:28:35,104 KT: called a rider. So, I said, Suze, what should we 478 00:28:35,104 --> 00:28:37,024 KT: put on your rider? And she looked at me one day, 479 00:28:37,145 --> 00:28:37,545 KT: she said, 480 00:28:37,959 --> 00:28:39,729 KT: M&M's and Raisinettes. 481 00:28:39,959 --> 00:28:42,290 Suze: Either one, first it was M&M's, and then I moved 482 00:28:42,290 --> 00:28:43,199 Suze: on to Raisinettes. 483 00:28:43,839 --> 00:28:47,119 KT: Most people have this very long detailed list, but that was Suze's. 484 00:28:47,400 --> 00:28:51,560 KT: So wherever we went, the host would present her with 485 00:28:51,560 --> 00:28:53,920 KT: a gigantic presentation 486 00:28:54,329 --> 00:28:58,010 KT: of M&M's like cases and raisinets. 487 00:28:58,219 --> 00:29:00,219 Suze: I gained a lot of weight on those tours. All right, 488 00:29:00,339 --> 00:29:00,780 Suze: go on, KT. 489 00:29:01,140 --> 00:29:03,719 KT: So I said we better change that quick. All right, so 490 00:29:03,979 --> 00:29:05,030 KT: this is from M&M. 491 00:29:05,219 --> 00:29:07,459 Suze: Hi and I love Eminem. Remember when I was on 492 00:29:07,459 --> 00:29:09,699 Suze: tour with Eminem? I love that. 493 00:29:10,109 --> 00:29:12,310 Suze: It was the Get Your Money Right tour. 494 00:29:12,430 --> 00:29:13,359 Suze: He loved you too. 495 00:29:13,510 --> 00:29:16,510 Suze: I'm not sure he even knew me, to tell you 496 00:29:16,510 --> 00:29:17,969 Suze: the truth, but go on. He knew who you 497 00:29:17,969 --> 00:29:21,410 KT: are. He was afraid of you. Hi, Suze and KT. 498 00:29:21,869 --> 00:29:25,949 KT: Thank you so much for the very incredible insights every week. 499 00:29:26,060 --> 00:29:29,750 KT: I am so grateful for the advice and thoughts shared 500 00:29:29,750 --> 00:29:34,270 KT: in the podcast, emails, and the app. Here is my question. 501 00:29:34,560 --> 00:29:38,319 KT: I recently got laid off from a big corporation and 502 00:29:38,319 --> 00:29:42,489 KT: I was offered a severance package. Is this negotiable with 503 00:29:42,489 --> 00:29:46,079 KT: a lawyer? I am enrolled in a legal plan offered 504 00:29:46,079 --> 00:29:50,219 KT: by my wife's company. Please advise if I should negotiate 505 00:29:50,219 --> 00:29:52,439 KT: with the lawyer to get a better severance. 506 00:29:52,520 --> 00:29:57,660 Suze: Absolutely. Quick answer to a quick question. Everything is up 507 00:29:57,880 --> 00:30:01,119 Suze: for negotiation just so you know. 508 00:30:01,890 --> 00:30:05,560 KT: All right, on that note, there's only one thing... 509 00:30:05,969 --> 00:30:06,449 Suze: We're ending that quick? 510 00:30:06,719 --> 00:30:09,310 KT: Wait, there's only one thing we want you to remember 511 00:30:09,369 --> 00:30:12,890 KT: before Super Bowl Sunday with Suze and KT. 512 00:30:13,439 --> 00:30:16,089 Suze: We're on different sides of who we want to win. 513 00:30:17,099 --> 00:30:20,380 KT: Don't tell them which one. Let them guess who you're 514 00:30:20,380 --> 00:30:22,969 KT: for and who I'm for. Don't, don't. 515 00:30:23,099 --> 00:30:24,099 Suze: KT said to me earlier... 516 00:30:24,209 --> 00:30:25,020 KT: We'll reveal it. 517 00:30:25,540 --> 00:30:28,979 Suze: She said, Are you sure you don't want my team 518 00:30:28,979 --> 00:30:29,380 Suze: to win? 519 00:30:30,089 --> 00:30:30,459 KT: Don't give any hints. 520 00:30:31,060 --> 00:30:33,699 Suze: And I said, No, I want a different team to win. And 521 00:30:33,699 --> 00:30:36,140 Suze: then I gave her the reason why. Who do you 522 00:30:36,140 --> 00:30:38,569 Suze: think we're for, everybody? 523 00:30:38,910 --> 00:30:41,229 KT: Send it in. So we'll see you on Super Bowl Sunday. 524 00:30:41,329 --> 00:30:45,900 KT: But before then, we only want you to stay safe. 525 00:30:46,280 --> 00:30:50,160 KT: And remember, people first, then money, then things. 526 00:30:50,640 --> 00:30:52,459 Suze: All right, everybody, bye bye.