1 00:00:31,780 --> 00:00:41,170 Suze: October 19th 2022 welcome everybody to the Ask Suze Anything Show, 2 00:00:41,170 --> 00:00:44,630 Suze: by the way, if you have a question for us, 3 00:00:44,650 --> 00:00:48,420 Suze: there's two ways that you can submit it. One: just 4 00:00:48,420 --> 00:00:54,420 Suze: simply go to ask Suze S-U-Z-E Podcast at gmail dot 5 00:00:54,420 --> 00:00:57,900 Suze: com or download the Women and Money app 6 00:00:58,180 --> 00:01:01,050 Suze: and you can ask it there and it's easy to 7 00:01:01,050 --> 00:01:04,420 Suze: download the app. Just do it at Apple app or 8 00:01:04,420 --> 00:01:10,030 Suze: Google play. KT, I know you have all your questions. 9 00:01:10,030 --> 00:01:14,270 Suze: They're ready for a lot of questions, but before you 10 00:01:14,280 --> 00:01:18,060 Suze: go to the questions, okay? Now she's looking at me. 11 00:01:18,970 --> 00:01:21,140 Suze: I'll tell you what's on my mind. You know how 12 00:01:21,140 --> 00:01:25,880 Suze: at the end of every Ask Suze and KT anything podcast, 13 00:01:25,890 --> 00:01:27,470 Suze: I give KT a quizzie? 14 00:01:28,940 --> 00:01:31,230 Suze: I'm thinking maybe I'm going to give you a quizzie 15 00:01:31,370 --> 00:01:33,259 Suze: right from the start. 16 00:01:34,050 --> 00:01:37,120 KT: Okay. Go for it. Wait, this isn't just for me. 17 00:01:37,120 --> 00:01:37,819 KT: It's for all of you. 18 00:01:38,000 --> 00:01:40,240 Suze: No, this one is just for you. 19 00:01:40,240 --> 00:01:42,160 KT: Oh boy. Alright, go for it. 20 00:01:42,170 --> 00:01:42,830 Suze: All right. 21 00:01:44,060 --> 00:01:50,220 Suze: In a football game. How many chances? How many downs? (KT says "4") 22 00:01:51,740 --> 00:01:55,100 Suze: How many points if somebody gets a touchdown? 23 00:01:55,230 --> 00:01:55,930 KT: Six. 24 00:01:55,940 --> 00:01:58,820 Suze: How many points if somebody kicks the after point? 25 00:01:58,820 --> 00:01:59,889 KT: One. 26 00:01:59,900 --> 00:02:03,520 Suze: How many points if they kick a field goal? 27 00:02:03,520 --> 00:02:04,020 KT: Three. 28 00:02:04,030 --> 00:02:05,500 Suze: Oh my God, you got them. All right. 29 00:02:05,500 --> 00:02:07,550 KT: 'Cause I watched Sunday 30 00:02:07,560 --> 00:02:13,169 KT: football with Suze all day long. Most of the day. 31 00:02:13,180 --> 00:02:14,280 Suze: The truth is KT... 32 00:02:14,280 --> 00:02:15,060 KT: Suze loves football. 33 00:02:15,070 --> 00:02:20,250 Suze: KT has been watching football with both me and Colo for forever. 34 00:02:20,260 --> 00:02:25,380 Suze: Right and forever. She sits there and goes, how many what... 35 00:02:25,389 --> 00:02:27,940 KT: I got it wrong on the weekend. She said KT, h 36 00:02:27,950 --> 00:02:30,430 KT: ow many more chances does he have? I said I 37 00:02:30,430 --> 00:02:31,389 KT: think eight. 38 00:02:31,690 --> 00:02:33,080 Suze: So I just... 39 00:02:33,080 --> 00:02:34,829 KT: Now I really memorized. 40 00:02:34,840 --> 00:02:36,720 Suze: But here, KT, you know what? 41 00:02:37,030 --> 00:02:42,290 Suze: You wanna know what you got them? (Suze makes the "Correct Answer sound).  All right. All right. 42 00:02:42,300 --> 00:02:43,590 Suze: What do you got for me today? 43 00:02:43,590 --> 00:02:46,620 KT: Okay. So we've got a real variety. But many people 44 00:02:46,620 --> 00:02:49,040 KT: wrote in about I bonds which I'll get to in 45 00:02:49,040 --> 00:02:49,590 KT: a moment 46 00:02:49,590 --> 00:02:51,639 Suze: And they should be writing about I bonds 47 00:02:51,639 --> 00:02:52,500 KT: Because it's the season! 48 00:02:52,510 --> 00:02:55,899 Suze: It's not just the season. I want all of you. 49 00:02:55,910 --> 00:02:58,410 Suze: If you want to buy an I bond to do 50 00:02:58,410 --> 00:03:01,980 Suze: it before the end of this month. Alright, 51 00:03:01,990 --> 00:03:04,680 KT: Alright. Let's get on with it. So the first question 52 00:03:04,690 --> 00:03:05,970 KT: is from Meredith. 53 00:03:06,200 --> 00:03:08,690 KT: I like the way she opened it. You ready for this? 54 00:03:08,889 --> 00:03:10,970 KT: My fellow and I 55 00:03:11,790 --> 00:03:15,220 KT: When do people call them my fella? 56 00:03:15,900 --> 00:03:16,180 Suze: You're my "gala" 57 00:03:16,180 --> 00:03:19,929 KT: Here's what she says, my fellow and I are planning to marry. We 58 00:03:19,930 --> 00:03:24,200 KT: currently have six children between the two of us, his 59 00:03:24,200 --> 00:03:27,840 KT: and hers. And for many reasons we have chosen not 60 00:03:27,840 --> 00:03:31,100 KT: to blend the family at this time. So we live 61 00:03:31,100 --> 00:03:34,970 KT: in separate homes and keep separate finances. I am a teacher. 62 00:03:34,980 --> 00:03:38,480 KT: He is an attorney. We look forward to the day 63 00:03:38,480 --> 00:03:41,190 KT: with great anticipation when we will 64 00:03:41,210 --> 00:03:45,210 KT: merge our lives. Here's my question. I would like to 65 00:03:45,210 --> 00:03:50,130 KT: gradually convert my traditional IRA to a Roth before he 66 00:03:50,130 --> 00:03:52,930 KT: and I marry but I'm not sure where the money 67 00:03:52,930 --> 00:03:57,230 KT: to pay the ordinary income tax should or will come from. 68 00:03:57,540 --> 00:04:00,360 KT: I currently have an eight month emergency fund with no 69 00:04:00,360 --> 00:04:05,160 KT: debt other than my home. I'm 45 as I'm writing this, 70 00:04:05,180 --> 00:04:11,270 KT: I have 106,000 in my traditional IRA and 78,000 in 71 00:04:11,270 --> 00:04:15,420 KT: my Roth. I've owned the Roth for over 10 years. 72 00:04:15,600 --> 00:04:19,420 KT: Should I use the principle in my Roth to pay 73 00:04:19,420 --> 00:04:21,779 KT: the taxes from the conversion? 74 00:04:22,050 --> 00:04:23,119 Suze: Oh boy. 75 00:04:23,130 --> 00:04:25,330 KT: So that's from Meredith, What are we going to tell her? 76 00:04:25,339 --> 00:04:28,330 Suze: Meredith. First of all, we're coming up to the end 77 00:04:28,339 --> 00:04:31,580 Suze: of the year. So if you are going to do 78 00:04:31,580 --> 00:04:35,750 Suze: a conversion, don't do it all this year. Remember you 79 00:04:35,750 --> 00:04:39,540 Suze: could do some this year and some next year and 80 00:04:39,540 --> 00:04:43,960 Suze: then split the taxes right? Because that's one way you 81 00:04:43,960 --> 00:04:44,669 Suze: can do it. 82 00:04:44,860 --> 00:04:48,160 Suze: I'm really hesitant for you to take it out of 83 00:04:48,160 --> 00:04:53,190 Suze: your Roth to pay the taxes to convert to a Roth. 84 00:04:53,200 --> 00:04:57,610 Suze: And everybody just so you know when you convert from 85 00:04:57,610 --> 00:05:01,920 Suze: a traditional IRA and that IRA holds money that you 86 00:05:01,920 --> 00:05:05,560 Suze: have never paid taxes on and you convert it to 87 00:05:05,560 --> 00:05:10,789 Suze: a Roth IRA, you owe income taxes on any amount 88 00:05:10,800 --> 00:05:12,670 Suze: of money that you converted. 89 00:05:13,270 --> 00:05:16,460 Suze: So what I would be telling you is that I 90 00:05:16,460 --> 00:05:21,330 Suze: rather see you take it from your emergency fund believe 91 00:05:21,330 --> 00:05:22,330 Suze: it or not 92 00:05:22,860 --> 00:05:25,980 Suze: because if you ever really got in trouble then you 93 00:05:25,980 --> 00:05:29,000 Suze: could go back to your Roth IRA and take it 94 00:05:29,000 --> 00:05:32,440 Suze: from there because another law, all of you should know 95 00:05:32,450 --> 00:05:36,590 Suze: is any money that you originally contributed to your Roth IRA, 96 00:05:37,920 --> 00:05:41,130 Suze: you can take out at any time without taxes or 97 00:05:41,130 --> 00:05:44,520 Suze: penalties regardless of your age or how long that money 98 00:05:44,520 --> 00:05:45,740 Suze: has been in there. 99 00:05:45,950 --> 00:05:49,010 Suze: So Meredith if you are going to do this I 100 00:05:49,010 --> 00:05:53,239 Suze: would pay the taxes from my emergency fund knowing that 101 00:05:53,240 --> 00:05:55,630 Suze: I could replace that money from my Roth IRA. 102 00:05:57,690 --> 00:06:02,510 KT: Next question Suze is from Lana. How to lower taxes 103 00:06:02,510 --> 00:06:05,100 KT: if I work at two jobs. 104 00:06:06,130 --> 00:06:07,420 KT: That's the question. 105 00:06:07,430 --> 00:06:12,210 Suze: So here's the thing about taxes. Everybody I know most 106 00:06:12,210 --> 00:06:15,789 Suze: of you hate paying your income tax. 107 00:06:16,500 --> 00:06:21,060 Suze: So I remember when I went from making $5,000 a 108 00:06:21,060 --> 00:06:23,740 Suze: year as a waitress at the Buttercup Bakery which I 109 00:06:23,740 --> 00:06:27,120 Suze: made for seven years till I was 30. And then 110 00:06:27,150 --> 00:06:31,260 Suze: I was a financial advisor at Merrill Lynch and I 111 00:06:31,260 --> 00:06:33,719 Suze: started to make a lot of money 112 00:06:34,510 --> 00:06:37,240 Suze: rather than thinking oh my God look at how much 113 00:06:37,240 --> 00:06:41,920 Suze: money I owe in taxes. I adopted the attitude of 114 00:06:41,990 --> 00:06:46,580 Suze: the more taxes I owe, obviously that means the more 115 00:06:46,580 --> 00:06:50,800 Suze: money I make. So my goal was to owe more 116 00:06:50,810 --> 00:06:54,670 Suze: and more taxes because then I was making more and 117 00:06:54,670 --> 00:06:59,510 Suze: more money. So if you have to be working two jobs, 118 00:06:59,520 --> 00:07:03,490 Suze: what that says to me is that you need more money. 119 00:07:04,250 --> 00:07:08,279 Suze: Otherwise why are you working two jobs? So I want 120 00:07:08,290 --> 00:07:11,820 Suze: you to not concentrate on, how do you lower your taxes. 121 00:07:11,830 --> 00:07:15,270 Suze: I want you to concentrate on, how do you make 122 00:07:15,270 --> 00:07:17,870 Suze: more at the jobs that you happen to be working 123 00:07:17,870 --> 00:07:19,100 Suze: at right now. 124 00:07:19,400 --> 00:07:23,220 Suze: How do you increase your income and you increase your 125 00:07:23,230 --> 00:07:27,740 Suze: income by you really going for it? And making those 126 00:07:27,750 --> 00:07:33,620 Suze: that you are dependent on a paycheck for dependent upon you. 127 00:07:33,620 --> 00:07:34,850 Suze: Next question, KT. 128 00:07:34,850 --> 00:07:38,120 KT: Okay this is from Nadira. 129 00:07:38,910 --> 00:07:42,650 KT: Hi Suze. I followed you for more than 15 years. 130 00:07:42,650 --> 00:07:44,920 KT: You were amazing. My question. 131 00:07:44,930 --> 00:07:45,810 Suze: So True. So True. (Laughs) 132 00:07:46,720 --> 00:07:51,790 KT: I bought $10,000 of Series I bonds in November 2021. 133 00:07:51,800 --> 00:07:56,180 KT: Can I buy more Series I bonds before November one 134 00:07:56,200 --> 00:07:58,630 KT: this year - 2022? 135 00:07:58,650 --> 00:08:03,500 Suze: Pop quizzie KT. Why can she 136 00:08:04,120 --> 00:08:06,590 KT: Because because she can. 137 00:08:08,410 --> 00:08:10,220 KT: You answer that Suze, 138 00:08:10,230 --> 00:08:12,250 Suze: You don't know do you? 139 00:08:12,350 --> 00:08:13,690 KT: I know that you can. 140 00:08:14,450 --> 00:08:21,680 Suze: She bought $10,000 worth November of 2021. We are now 141 00:08:21,680 --> 00:08:29,460 Suze: in 2022. Could she have purchased another 10,000 in January 2002? 142 00:08:29,470 --> 00:08:31,730 KT: I don't think so. I think she had to wait 143 00:08:31,730 --> 00:08:35,320 KT: like six months or so. So she couldn't. 144 00:08:36,790 --> 00:08:41,680 Suze: You so flunked that pop quiz. No, your initial question meant 145 00:08:41,679 --> 00:08:44,640 Suze: nothing because you guessed at it. Alright. Here's what you 146 00:08:44,640 --> 00:08:48,790 Suze: have to get everybody. You can only buy as an 147 00:08:48,790 --> 00:08:54,620 Suze: individual up to $10,000 per year. But that is a 148 00:08:54,620 --> 00:08:59,610 Suze: calendar year. So that is from January 'til December. 149 00:08:59,809 --> 00:09:04,670 Suze: If you bought $10,000 right now of a Series I 150 00:09:04,670 --> 00:09:10,930 Suze: bond January 1st, you could buy another $10,000 because we 151 00:09:10,940 --> 00:09:12,360 Suze: are in another... 152 00:09:12,360 --> 00:09:13,310 KT: ...calendar year 153 00:09:14,030 --> 00:09:15,819 Suze: You did not know that. So, don't look at me 154 00:09:15,820 --> 00:09:16,730 Suze: like you knew it. 155 00:09:16,880 --> 00:09:21,710 Suze: You didn't. So, so anyway, doesn't matter. She's looking at 156 00:09:21,710 --> 00:09:26,400 Suze: me like, see I knew that. No, KT, of course 157 00:09:26,410 --> 00:09:31,050 Suze: you can buy another one. So again, it's a calendar year. 158 00:09:31,059 --> 00:09:35,640 Suze: It's not one year from the time that you purchased it. Next. 159 00:09:35,650 --> 00:09:37,840 KT: This is from Gretchen and I hope you have this 160 00:09:37,840 --> 00:09:39,160 KT: list available 161 00:09:39,170 --> 00:09:43,189 KT: because Gretchen wants to know Suze, how does she search 162 00:09:43,190 --> 00:09:47,469 KT: your site for all the last I bond details? Every 163 00:09:47,470 --> 00:09:52,250 KT: search bar does not lead to these past podcast. Lets 164 00:09:52,250 --> 00:09:55,240 KT: give her a list of which ones exactly to go to. 165 00:09:55,620 --> 00:09:59,840 Suze: Somehow I knew that this was gonna happen because many 166 00:09:59,840 --> 00:10:01,460 Suze: people were writing me that. 167 00:10:01,740 --> 00:10:05,360 Suze: There are many podcasts that I did just on the 168 00:10:05,360 --> 00:10:09,670 Suze: topic of Series I bonds. Starting with April 17, I 169 00:10:09,670 --> 00:10:11,250 Suze: did a masterclass on it. 170 00:10:11,450 --> 00:10:15,090 Suze: Then the May 5th podcast, the May 12th podcast, the 171 00:10:15,090 --> 00:10:20,679 Suze: July 7th podcast, the July 21st podcast, the August 22nd podcast. 172 00:10:20,690 --> 00:10:24,330 Suze: Just the other day. Last Sunday KT, I did another 173 00:10:24,330 --> 00:10:27,430 Suze: one on I bonds. So those are some of the 174 00:10:27,429 --> 00:10:29,310 Suze: podcast that you can go to. 175 00:10:29,320 --> 00:10:30,270 KT: All this year. 176 00:10:30,280 --> 00:10:32,050 Suze: All this year to learn more about. 177 00:10:32,050 --> 00:10:35,059 KT: Maybe you can put that list of dates. Where would 178 00:10:35,059 --> 00:10:35,829 KT: you post it? 179 00:10:35,840 --> 00:10:39,050 Suze: I could post it on my Women and Money podcast app. 180 00:10:39,059 --> 00:10:39,450 Suze: All right, 181 00:10:39,460 --> 00:10:40,400 KT: Let's do that. 182 00:10:40,630 --> 00:10:43,699 KT: Hi, Suze and KT. I feel confident in saying that. 183 00:10:43,700 --> 00:10:47,820 KT: I don't think you have answered this question about I bonds. 184 00:10:48,020 --> 00:10:52,680 KT: I purchased them when the rate was 3.62% and have 185 00:10:52,679 --> 00:10:56,380 KT: enjoyed the increase ever since. If I were to take 186 00:10:56,380 --> 00:11:00,340 KT: the money out between years two and five is the 187 00:11:00,350 --> 00:11:03,820 KT: interest that comes out for the penalty at the initial 188 00:11:04,115 --> 00:11:08,295 KT: rate or when I take it out, I believe it 189 00:11:08,295 --> 00:11:10,945 KT: is the initial rate, which means that the money I 190 00:11:10,945 --> 00:11:15,405 KT: put in recently will cost me more than twice as 191 00:11:15,405 --> 00:11:18,255 KT: much to take it out if I choose it to 192 00:11:18,255 --> 00:11:21,855 KT: do so in the future. Thank you for all your guidance. 193 00:11:21,865 --> 00:11:24,444 KT: So is she right or is she wrong? 194 00:11:24,455 --> 00:11:26,685 Suze: I would give you that is the quizzie but I 195 00:11:26,684 --> 00:11:31,485 Suze: don't wanna see you get it wrong anymore. Right? So here's the thing, 196 00:11:31,485 --> 00:11:33,100 Suze: My dear Penny, 197 00:11:35,360 --> 00:11:40,640 Suze: you are wrong. And the thing is this 198 00:11:41,610 --> 00:11:44,890 Suze: You get an interest rate when you buy an I bond. 199 00:11:44,890 --> 00:11:47,339 Suze: Like right now if you purchased an I bond it 200 00:11:47,340 --> 00:11:55,450 Suze: would be at 9.62% annualized or 4.81% for the six months. 201 00:11:55,490 --> 00:12:00,270 Suze: Then six months from now you go to 6.48%. 202 00:12:00,790 --> 00:12:04,510 Suze: And then we see what it is after that after 203 00:12:04,510 --> 00:12:08,439 Suze: one year, if you want to come out, it's based 204 00:12:08,450 --> 00:12:13,010 Suze: on the current interest rate that they happen to be crediting. 205 00:12:13,020 --> 00:12:16,829 Suze: So if that interest rates start to go down. It's 206 00:12:16,870 --> 00:12:21,100 Suze: at that rate. It would not be at the 9.62% 207 00:12:21,110 --> 00:12:23,740 Suze: rate that you would be getting right now if you 208 00:12:23,740 --> 00:12:27,030 Suze: purchased it. So no it's not at the initial rate. 209 00:12:27,040 --> 00:12:29,140 Suze: It's at the current interest rate 210 00:12:29,330 --> 00:12:31,840 Suze: that the bond is earning. 211 00:12:32,970 --> 00:12:37,120 KT: All right Suze. This next question is I like to thank you 212 00:12:37,120 --> 00:12:39,860 KT: before the question. So let me read this. Thank you 213 00:12:39,860 --> 00:12:43,189 KT: so much for putting the Suze Orman show on freevee. 214 00:12:44,059 --> 00:12:48,350 KT: Educating us on the importance of interest rates and financial 215 00:12:48,350 --> 00:12:51,670 KT: decisions and encouraging us to stand in our truth 216 00:12:51,780 --> 00:12:52,819 Suze: to tell everybody about. 217 00:12:53,540 --> 00:12:57,780 KT: Okay so the Suze Orman Show, all 600 odd episodes are 218 00:12:57,790 --> 00:12:58,219 KT: on 219 00:12:58,875 --> 00:13:03,895 KT: freevee. Available for you. That we're actually unloading the episodes 220 00:13:03,905 --> 00:13:07,465 KT: across the next few months. But you can go to freevee, 221 00:13:07,725 --> 00:13:11,165 KT: which is on Amazon and watch the Suze Orman show 222 00:13:11,175 --> 00:13:13,025 KT: all over again. 223 00:13:13,035 --> 00:13:14,415 Suze: For free. 224 00:13:14,425 --> 00:13:15,245 KT: So here's the question. 225 00:13:16,755 --> 00:13:19,995 Suze: Wait, so the other day, as you know, I've told you 226 00:13:19,995 --> 00:13:21,095 Suze: in the past 227 00:13:21,320 --> 00:13:25,710 Suze: that I very seldom if ever have watched the Suze 228 00:13:25,710 --> 00:13:29,660 Suze: Ormand show or my appearances on Oprah or anything like that. 229 00:13:29,670 --> 00:13:31,660 KT: She never used to watch the show. 230 00:13:32,370 --> 00:13:36,650 Suze: So the other day we were wondering let's go see 231 00:13:36,650 --> 00:13:40,330 Suze: see if they're on freevee. Let's look ourselves. So we 232 00:13:40,330 --> 00:13:44,580 Suze: went and we pulled up a show and I watched 233 00:13:44,590 --> 00:13:45,970 Suze: the whole thing. 234 00:13:46,350 --> 00:13:49,260 Suze: I was so good. I can't even stand it. I 235 00:13:49,260 --> 00:13:52,100 Suze: don't think I'm that good anymore. But this one I 236 00:13:52,100 --> 00:13:55,100 Suze: think it was in the year 2015. Oh my God 237 00:13:55,110 --> 00:13:57,320 Suze: it was fabulous. 238 00:13:57,740 --> 00:14:00,060 Suze: So take it from me. You should go watch my show. 239 00:14:00,059 --> 00:14:02,670 KT: It's they're great. They're fun to watch all over again 240 00:14:02,670 --> 00:14:06,540 KT: and very very relevant. The information is very evergreen. So 241 00:14:06,540 --> 00:14:10,880 KT: this is the question would freezing one's credit affect his 242 00:14:10,880 --> 00:14:15,809 KT: or her ability to get competitive rates for insurance meaning 243 00:14:15,809 --> 00:14:19,010 KT: for a car or home. I can answer that. 244 00:14:20,160 --> 00:14:20,350 Suze: Go on. 245 00:14:20,960 --> 00:14:22,780 KT: Absolutely. 246 00:14:22,970 --> 00:14:23,690 Suze: Why? 247 00:14:23,690 --> 00:14:26,210 KT: Because you have... because they can't check your score. Your your 248 00:14:26,210 --> 00:14:27,670 KT: FICO or your credit score. 249 00:14:27,670 --> 00:14:32,180 Suze: Alright, so now here's what you need to know. Normally 250 00:14:33,310 --> 00:14:36,940 Suze: it's not really what an insurance company is supposed to do. 251 00:14:37,080 --> 00:14:42,520 Suze: Your FICO score should have nothing to do normally with 252 00:14:42,520 --> 00:14:45,200 Suze: what with your insurance rates 253 00:14:45,580 --> 00:14:49,950 Suze: you get something known as an insurance risk score and 254 00:14:49,950 --> 00:14:54,120 Suze: that is the score that they usually look at. However 255 00:14:54,130 --> 00:14:56,910 Suze: there are some companies that don't care about what they 256 00:14:56,910 --> 00:14:59,610 Suze: should or shouldn't do and they do look at your 257 00:14:59,610 --> 00:15:05,790 Suze: FICO scores. So if you freeze your credit reports, there 258 00:15:05,790 --> 00:15:09,520 Suze: is no way then to generate a FICO score 259 00:15:09,780 --> 00:15:13,880 Suze: because everything is frozen including from those who want to 260 00:15:13,880 --> 00:15:17,240 Suze: check it like an insurance company. So all you have 261 00:15:17,240 --> 00:15:20,650 Suze: to do is unfreeze it, let them check it and 262 00:15:20,650 --> 00:15:24,440 Suze: freeze it back. The process is very simple. It is 263 00:15:24,440 --> 00:15:29,110 Suze: not worth not freezing your credit reports simply to easily 264 00:15:29,110 --> 00:15:33,620 Suze: check your FICO score or get more credit. All accounts. 265 00:15:33,620 --> 00:15:35,730 Suze: If you ask me should be frozen. All right. 266 00:15:36,340 --> 00:15:37,790 KT: Yeah, we freeze ours. 267 00:15:37,800 --> 00:15:40,100 Suze: Of course we do. Well, we have so many guards 268 00:15:40,100 --> 00:15:42,820 Suze: on ours. It's not even funny. But but you know, 269 00:15:42,820 --> 00:15:45,790 Suze: the truth of the matter is you freeze your credit 270 00:15:45,790 --> 00:15:51,140 Suze: with Trans union Equifax Experian. Just do it. All right, 271 00:15:51,170 --> 00:15:53,560 KT: Suze, this next question is from Jean 272 00:15:53,860 --> 00:15:56,470 KT: and it's a little sensitive. Maybe you need to talk 273 00:15:56,470 --> 00:16:00,390 KT: to him a little bit about this. Hi Suze, thank 274 00:16:00,390 --> 00:16:04,670 KT: you for your podcast today. I have your must have documents. 275 00:16:04,680 --> 00:16:06,990 KT: I started to fill it out and I had to 276 00:16:06,990 --> 00:16:11,620 KT: stop because it was too sentimental for me. It's really 277 00:16:11,620 --> 00:16:15,340 KT: a mental situation as opposed to a financial one. 278 00:16:15,970 --> 00:16:18,560 KT: How can you help me overcome this? 279 00:16:18,890 --> 00:16:20,320 Suze: Yeah. You know, 280 00:16:21,160 --> 00:16:24,340 Suze: one of the hardest things that we ever all have 281 00:16:24,340 --> 00:16:28,590 Suze: to do in life, it's planning for the time when 282 00:16:28,600 --> 00:16:30,640 Suze: we're going to be facing death 283 00:16:31,240 --> 00:16:36,280 Suze: and making decisions, Who gets what, Who does this? Who's 284 00:16:36,280 --> 00:16:40,710 Suze: gonna take care of everything. And even in my own family, 285 00:16:40,710 --> 00:16:42,120 Suze: I have to tell you, I don't mind. You know, 286 00:16:42,120 --> 00:16:45,000 Suze: you tell me everything about yourselves. I don't mind talking 287 00:16:45,000 --> 00:16:49,090 Suze: about my own family. You know, in my own family, 288 00:16:49,100 --> 00:16:55,170 Suze: my eldest brother refuses to deal with this situation 289 00:16:55,350 --> 00:16:59,740 Suze: And he's almost 80 right now. He refuses and I 290 00:16:59,750 --> 00:17:01,900 Suze: call him and I talked to him and I say 291 00:17:01,900 --> 00:17:04,560 Suze: to him if something happens to you and it's not 292 00:17:04,560 --> 00:17:08,240 Suze: going to be if it's a when who is going 293 00:17:08,240 --> 00:17:10,590 Suze: to take care of everything for you, you know, it's 294 00:17:10,590 --> 00:17:14,040 Suze: going to come back on me. So therefore I don't 295 00:17:14,040 --> 00:17:17,419 Suze: even know your address. I don't even know where a 296 00:17:17,420 --> 00:17:20,150 Suze: key to your home is. I don't know where any 297 00:17:20,150 --> 00:17:22,740 Suze: of your accounts are. I don't know who you want 298 00:17:22,740 --> 00:17:24,080 Suze: to get anything 299 00:17:24,330 --> 00:17:29,100 Suze: and he refuses to deal with it. He keeps saying 300 00:17:29,100 --> 00:17:32,600 Suze: to me, it's too emotional. I don't want to deal 301 00:17:32,600 --> 00:17:34,170 Suze: with it right now. 302 00:17:35,109 --> 00:17:39,390 Suze: And I'm just sitting there and I just, I'm so mad. 303 00:17:39,400 --> 00:17:42,700 Suze: So I write him back and I go, alright, but 304 00:17:42,700 --> 00:17:45,060 Suze: I just want to tell you you are the most 305 00:17:45,070 --> 00:17:49,119 Suze: irresponsible human being I've ever met in my life by 306 00:17:49,119 --> 00:17:52,970 Suze: taking that position and I haven't talked to him since. 307 00:17:53,680 --> 00:17:57,399 Suze: But KT is looking at me because it's true. However, 308 00:17:57,400 --> 00:18:00,840 Suze: here's what I want to say to you, Jean it's 309 00:18:00,840 --> 00:18:03,420 Suze: not an "if" you're going to die, it's a "when" 310 00:18:03,430 --> 00:18:07,150 Suze: and if you think that you are having an emotional 311 00:18:07,150 --> 00:18:11,780 Suze: time deciding now or it's too sentimental for you now 312 00:18:11,790 --> 00:18:16,420 Suze: to decide what's going to happen. Imagine if you were 313 00:18:16,420 --> 00:18:18,629 Suze: to die to day, 314 00:18:19,369 --> 00:18:23,900 Suze: what kind of mess have you left all of those 315 00:18:24,040 --> 00:18:27,800 Suze: that you love, that you're sentimental over? What kind of 316 00:18:27,800 --> 00:18:30,870 Suze: mess is it possible that you have left them in. 317 00:18:31,510 --> 00:18:34,300 Suze: I told this story a long time ago on this 318 00:18:34,300 --> 00:18:39,080 Suze: podcast about a friend of ours, Bill who died. And 319 00:18:39,080 --> 00:18:44,030 Suze: the problem is he died without a will without a trust. 320 00:18:44,080 --> 00:18:48,790 Suze: Nobody knew where his accounts were. Nobody knew anything and 321 00:18:48,790 --> 00:18:53,670 Suze: he had everything on auto pay. So his rent for 322 00:18:53,670 --> 00:18:55,409 Suze: almost one year 323 00:18:55,880 --> 00:19:00,700 Suze: continued to be paid his electricity continued to be paid 324 00:19:00,710 --> 00:19:05,500 Suze: his car payment continued to be paid all of this 325 00:19:05,500 --> 00:19:09,850 Suze: money that was meant to go to his family members 326 00:19:10,580 --> 00:19:14,720 Suze: kept being paid for things that weren't being used anymore. 327 00:19:15,359 --> 00:19:19,520 Suze: It took them one year to figure out where it 328 00:19:19,520 --> 00:19:23,740 Suze: was to get the authority to actually stop everything and 329 00:19:23,740 --> 00:19:25,050 Suze: settle everything. 330 00:19:25,910 --> 00:19:30,350 Suze: It was a horrific nightmare for them. So all of 331 00:19:30,359 --> 00:19:32,210 Suze: us listening right now, 332 00:19:33,000 --> 00:19:35,889 Suze: it's not easy for KT and I to make decisions 333 00:19:35,900 --> 00:19:38,400 Suze: either trust me and as you know, I changed my 334 00:19:38,400 --> 00:19:41,450 Suze: mind all the time. And the reason that I changed 335 00:19:41,450 --> 00:19:45,270 Suze: my mind all the time is because it is sentimental. 336 00:19:45,280 --> 00:19:46,629 Suze: It is emotional, 337 00:19:47,260 --> 00:19:50,459 Suze: you know, money and your assets and everything that you 338 00:19:50,460 --> 00:19:52,650 Suze: have worked an entire life for. 339 00:19:54,490 --> 00:19:57,780 Suze: It's hard to decide who gets this, who gets that. 340 00:19:57,790 --> 00:20:00,300 Suze: You know, even little things like who gets my Emmy awards, 341 00:20:00,300 --> 00:20:03,410 Suze: who gets my Gracie awards, even things that don't have 342 00:20:03,420 --> 00:20:05,980 Suze: a financial value to them 343 00:20:06,900 --> 00:20:10,690 Suze: all I ask you to do is remember how I'm 344 00:20:10,690 --> 00:20:12,689 Suze: feeling right now towards my brother, 345 00:20:13,490 --> 00:20:17,990 Suze: who I love very much and who is absolutely the 346 00:20:17,990 --> 00:20:21,790 Suze: most brilliant person I've ever met in my life and 347 00:20:21,790 --> 00:20:24,920 Suze: for some reason he can't do this. One thing. Think 348 00:20:24,920 --> 00:20:28,480 Suze: about how that's making me feel and I can tell 349 00:20:28,480 --> 00:20:31,139 Suze: you and then I'll wrap this up that I have 350 00:20:31,150 --> 00:20:35,530 Suze: dealt now over my lifespan of doing this. Thousands of 351 00:20:35,530 --> 00:20:36,160 Suze: people 352 00:20:36,880 --> 00:20:40,700 Suze: whose loved one died not having done something. 353 00:20:41,590 --> 00:20:45,160 Suze: And you don't even want to know the things that 354 00:20:45,160 --> 00:20:48,420 Suze: they felt about that person having done that to them. 355 00:20:48,430 --> 00:20:53,050 Suze: Just wanted you to know that. So I want you 356 00:20:53,619 --> 00:20:59,359 Suze: to get strong face this and just do it. That's all. 357 00:20:59,369 --> 00:21:02,510 Suze: Just do it. All right, next KT. 358 00:21:02,520 --> 00:21:06,190 KT: Well this was this is another part to that same 359 00:21:06,190 --> 00:21:09,640 KT: topic but this one I find a little bit amusing 360 00:21:09,640 --> 00:21:13,600 KT: but also true. This is from an email. It's called 361 00:21:13,600 --> 00:21:17,790 KT: House Hunter. That's the identification. But it said my question 362 00:21:17,790 --> 00:21:21,770 KT: today is I plan, Suze, on purchasing you must have 363 00:21:21,770 --> 00:21:22,990 KT: document kit. 364 00:21:23,240 --> 00:21:27,230 KT: I know you mentioned that the software is updated when 365 00:21:27,230 --> 00:21:30,850 KT: need be. My question is and I'm so sorry to 366 00:21:30,850 --> 00:21:36,090 KT: ask when you pass, what type of support and software 367 00:21:36,100 --> 00:21:38,390 KT: updates will be provided. 368 00:21:39,070 --> 00:21:41,890 KT: So that's a very interesting question. 369 00:21:42,400 --> 00:21:46,110 Suze: Oh not me. Everybody else is gonna die but me. No. 370 00:21:46,109 --> 00:21:50,389 Suze: Just joking. I actually think that's a great question. Just 371 00:21:50,390 --> 00:21:54,100 Suze: so you know and what you need to understand is 372 00:21:54,100 --> 00:21:56,350 Suze: that right now by the way we are working on 373 00:21:56,359 --> 00:22:00,250 Suze: a fabulous update. That will make the must have document 374 00:22:00,250 --> 00:22:03,750 Suze: kids so different. I can't even tell you again all 375 00:22:03,750 --> 00:22:06,359 Suze: of you who have purchased it now and in the 376 00:22:06,359 --> 00:22:09,060 Suze: past you will automatically get that update 377 00:22:09,240 --> 00:22:12,540 Suze: and that will come out sometime next year. Right and 378 00:22:12,540 --> 00:22:16,470 Suze: again remember updates are always free but if I were 379 00:22:16,470 --> 00:22:18,510 Suze: to die to day 380 00:22:19,040 --> 00:22:22,760 Suze: there is a whole team of people really behind me 381 00:22:22,770 --> 00:22:27,060 Suze: at Hay house. There is a group of people. I 382 00:22:27,060 --> 00:22:28,830 Suze: don't even know how many... 383 00:22:31,100 --> 00:22:31,790 KT: Engineers. 384 00:22:34,070 --> 00:22:37,740 Suze: And this has been structured in such a way that 385 00:22:37,740 --> 00:22:42,550 Suze: this will go on forever or for a long long 386 00:22:42,560 --> 00:22:47,690 Suze: time updates will still be done by Hay house 387 00:22:48,150 --> 00:22:51,210 Suze: and everything will be fine. So I think you will 388 00:22:51,210 --> 00:22:56,250 Suze: be good. However, let's say I didn't do any updates. 389 00:22:56,260 --> 00:23:00,230 Suze: Let's say this was it. No more updates. The way 390 00:23:00,230 --> 00:23:04,520 Suze: the program is written right now. It will be valid 391 00:23:04,530 --> 00:23:09,450 Suze: forever and a day. The updates have nothing to do 392 00:23:09,450 --> 00:23:11,310 Suze: with the actual documents. 393 00:23:11,720 --> 00:23:16,479 Suze: The updates are simply how do you use the program easier? 394 00:23:16,609 --> 00:23:20,820 Suze: Like how can it help you with more artificial intelligence 395 00:23:20,830 --> 00:23:24,610 Suze: and all of that. But it has absolutely nothing to 396 00:23:24,609 --> 00:23:28,010 Suze: do with the documents. And why is that? 397 00:23:28,170 --> 00:23:31,659 Suze: Those documents, the state of the art documents that are 398 00:23:31,660 --> 00:23:37,080 Suze: good in all 50 states are absolutely perfect the way 399 00:23:37,090 --> 00:23:42,379 Suze: they are. They will never need to be changed. So 400 00:23:42,390 --> 00:23:45,710 Suze: that's my answer to you. For all of you who 401 00:23:45,710 --> 00:23:47,330 Suze: don't know what the must have documents 402 00:23:47,340 --> 00:23:52,100 Suze: are simply the documents you must have. They are a Will, 403 00:23:52,109 --> 00:23:55,660 Suze: a Revocable Living Trust. An Advanced Directive and Durable Power 404 00:23:55,660 --> 00:23:59,310 Suze: of Attorney for healthcare and Financial Power of attorney if 405 00:23:59,310 --> 00:24:02,070 Suze: you want them all you have to do is go 406 00:24:02,070 --> 00:24:07,399 Suze: to Suze Orman dot com slash offer. They are now 407 00:24:07,400 --> 00:24:12,490 Suze: currently $99. If you get them through that offer, if 408 00:24:12,490 --> 00:24:15,690 Suze: you go on to my own website to get them, 409 00:24:16,010 --> 00:24:20,280 Suze: there are $198. So that is how I would do it. 410 00:24:20,280 --> 00:24:22,870 Suze: If I were you, you can also get them on 411 00:24:22,930 --> 00:24:26,040 Suze: the women and money app. You can purchase them there 412 00:24:26,050 --> 00:24:27,109 Suze: as well. 413 00:24:27,980 --> 00:24:28,220 KT: Ok Suze, that's a wrap! 414 00:24:32,840 --> 00:24:33,869 Suze: No, it's not quite a wrap, I do have another quizzie for you. 415 00:24:33,880 --> 00:24:39,890 Suze: So KT, somebody wrote in and they said 416 00:24:40,490 --> 00:24:46,450 Suze: because there's so much information in these podcasts, it would 417 00:24:46,450 --> 00:24:50,960 Suze: really be great to have a recap at the end. 418 00:24:51,390 --> 00:24:53,290 Suze: So there was like you know how you used to 419 00:24:53,290 --> 00:24:56,639 Suze: do Cliff's notes when we were younger of of a 420 00:24:56,640 --> 00:24:58,660 Suze: book rather than reading the book, you could just read 421 00:24:58,660 --> 00:25:01,000 Suze: the Cliff's notes of it. Or now there are many 422 00:25:01,000 --> 00:25:03,919 Suze: people that just do the like Cliff's note versions of 423 00:25:03,920 --> 00:25:08,180 Suze: books that I've written or whatever. So I decided to 424 00:25:08,180 --> 00:25:10,619 Suze: kind of do a review of it 425 00:25:11,410 --> 00:25:12,870 Suze: in the form of a quizzie. 426 00:25:14,190 --> 00:25:19,440 Suze: Some of the questions that I answered today. Right, so 427 00:25:19,440 --> 00:25:24,050 Suze: I was writing these down as you happen to be 428 00:25:24,060 --> 00:25:28,919 Suze: asking them to me. So everybody, you should be able 429 00:25:28,920 --> 00:25:31,630 Suze: to answer these questions as well. 430 00:25:31,640 --> 00:25:34,080 KT: This quizze is not just for me. It is for 431 00:25:34,090 --> 00:25:35,780 KT: all of you. 432 00:25:38,150 --> 00:25:44,770 Suze: First question - I bought an I bond last November, Can I buy another 433 00:25:44,770 --> 00:25:46,090 Suze: one now? 434 00:25:46,480 --> 00:25:47,820 Suze: (KT says "yes.) And why is that? 435 00:25:47,820 --> 00:25:48,979 KT: Calendar year. 436 00:25:48,990 --> 00:25:53,450 Suze: Good Ding Ding Ding Ding. Number two. Is it true 437 00:25:53,800 --> 00:25:57,540 Suze: that if I cash in an I bond between years 438 00:25:57,540 --> 00:26:01,720 Suze: two and five, the three month interest penalty is based 439 00:26:01,730 --> 00:26:05,330 Suze: on the initial interest rate when I first bought it. 440 00:26:05,340 --> 00:26:08,080 Suze: Is that true? Yes or no? 441 00:26:10,070 --> 00:26:14,100 Suze: Oh she's looking at me. I just answered this. 442 00:26:15,100 --> 00:26:16,030 KT: Yes. 443 00:26:16,790 --> 00:26:18,990 Suze: No way. 444 00:26:19,130 --> 00:26:19,780 KT: Okay. 445 00:26:20,500 --> 00:26:22,659 Suze: You don't listen when I answer 446 00:26:23,510 --> 00:26:23,850 Suze: because 447 00:26:23,850 --> 00:26:28,100 Suze: you're already on to reading the next question. Alright. So everybody, 448 00:26:28,109 --> 00:26:31,460 Suze: you should know that when you buy an I bond, 449 00:26:31,460 --> 00:26:35,820 Suze: years two through five if you come out before the 450 00:26:35,820 --> 00:26:38,240 Suze: fifth year because after five years you can take any 451 00:26:38,240 --> 00:26:39,810 Suze: money out that you want 452 00:26:40,670 --> 00:26:43,290 Suze: that. The truth of the matter is the three month 453 00:26:43,300 --> 00:26:46,080 Suze: interest penalty that you will have to pay is based 454 00:26:46,090 --> 00:26:49,609 Suze: on the current interest rate that's in effect at the 455 00:26:49,609 --> 00:26:56,020 Suze: time on your I bond not the initial rate. All right. Now. 456 00:26:56,570 --> 00:27:01,540 Suze: Since you weren't getting questions KT that I've already answered, 457 00:27:01,550 --> 00:27:05,820 Suze: Let me ask you some questions that I didn't answer 458 00:27:05,820 --> 00:27:07,670 Suze: today about I bonds. 459 00:27:07,970 --> 00:27:08,490 Suze: You 460 00:27:08,490 --> 00:27:13,060 Suze: ready? Right. She is not liking this everybody. Rather than 461 00:27:13,060 --> 00:27:20,450 Suze: buying 1 $10,000 I bond. Is it better to buy five, 462 00:27:20,970 --> 00:27:28,010 Suze: $2,000 I bonds? It's still $10,000, KT. But they're buying $2,000, 463 00:27:28,359 --> 00:27:33,280 Suze: They're buying individual bonds. So when and if I need 464 00:27:33,310 --> 00:27:38,740 Suze: $2,000 before the five years is up, I can just 465 00:27:38,740 --> 00:27:43,790 Suze: cash in one bond while the others continue to earn interest. 466 00:27:43,869 --> 00:27:45,929 Suze: Yes or no. 467 00:27:47,850 --> 00:27:50,130 KT: I don't think so. I think you can take any 468 00:27:50,130 --> 00:27:54,050 KT: amount out when you have that $10,000. 469 00:27:54,859 --> 00:28:00,070 Suze: Yes. So just because you have purchased a $10,000 I 470 00:28:00,070 --> 00:28:03,720 Suze: bond does not mean that if you need money and 471 00:28:03,720 --> 00:28:06,670 Suze: you need to redeem it that you have to redeem 472 00:28:06,680 --> 00:28:07,520 Suze: all of it. 473 00:28:07,530 --> 00:28:08,740 KT: Just take what you need. 474 00:28:08,740 --> 00:28:12,500 Suze: You take you redeem what you need. Now this one's 475 00:28:12,500 --> 00:28:16,620 Suze: a little tricky. What are the most number 476 00:28:16,840 --> 00:28:20,950 Suze: of I bonds one can buy in one year. Not 477 00:28:20,950 --> 00:28:25,360 Suze: the amount. And I'm now talking about an individual person. 478 00:28:25,369 --> 00:28:30,160 Suze: Is there a number of I bonds that somebody can 479 00:28:30,160 --> 00:28:34,149 Suze: max out on in one year? All right, let me 480 00:28:34,150 --> 00:28:34,600 Suze: give you... 481 00:28:34,609 --> 00:28:38,000 KT: Wait, wait, I can figure this out. So if the 482 00:28:38,000 --> 00:28:42,300 KT: minimum I bond purchases $25 483 00:28:42,870 --> 00:28:45,070 KT: Then I think you can do. Let's see, let me 484 00:28:45,070 --> 00:28:47,840 KT: do the math...it would be 400 of them. 485 00:28:48,030 --> 00:28:50,930 Suze: Oh you're so smart. Now. Ding Ding Ding ding 486 00:28:50,940 --> 00:28:54,150 KT: Smart, but I remember the minimum. So you get 400 487 00:28:54,150 --> 00:28:56,200 KT: of these separate I bonds. Right. 488 00:28:56,210 --> 00:28:59,810 Suze: Fabulous. So that's true. That was just I was just 489 00:28:59,810 --> 00:29:03,670 Suze: having kind of fun with her. Alright. And one last one: 490 00:29:03,680 --> 00:29:08,380 Suze: I bought my son two bonds. Two I bonds as 491 00:29:08,390 --> 00:29:11,850 Suze: a gift of $10,000 each. 492 00:29:12,560 --> 00:29:16,180 Suze: And now I was told the most I can buy 493 00:29:16,190 --> 00:29:21,390 Suze: was $10,000 in one year for him. Is that true 494 00:29:21,400 --> 00:29:22,590 Suze: or false? 495 00:29:22,930 --> 00:29:24,410 KT: I believe it's true. 496 00:29:25,340 --> 00:29:26,110 Suze: Positive? 497 00:29:26,740 --> 00:29:30,150 KT: Well if she bought this for her son... 498 00:29:30,150 --> 00:29:33,030 Suze: As a gift, she bought it. She didn't deliver it 499 00:29:33,030 --> 00:29:33,660 Suze: to him though. 500 00:29:33,670 --> 00:29:37,110 KT: Oh okay. If she bought them and she's just holding 501 00:29:37,110 --> 00:29:40,560 KT: on to them and they're not yet in his account 502 00:29:40,560 --> 00:29:43,920 KT: or name then I think it's okay. 503 00:29:43,930 --> 00:29:44,950 Suze: So 504 00:29:45,290 --> 00:29:50,080 Suze: you can buy as many gift bonds for one person 505 00:29:50,090 --> 00:29:54,280 Suze: and one year as you want since interest rates are 506 00:29:54,280 --> 00:29:58,040 Suze: so high right now 9.62%,, 507 00:29:58,550 --> 00:30:04,780 Suze: KT and I both individually bought $10,000 worth. We also 508 00:30:04,780 --> 00:30:09,560 Suze: bought $10,000 in our trust and we also each bought 509 00:30:09,570 --> 00:30:14,190 Suze: $10,000 in our business. So we were each able to 510 00:30:14,190 --> 00:30:20,300 Suze: buy $30,000 of I bonds or $60,000 in total. In 511 00:30:20,310 --> 00:30:26,590 Suze: addition to that everybody. We also gifted each other 512 00:30:26,930 --> 00:30:31,500 Suze: many $10,000 worth right now, of I bonds. 513 00:30:32,170 --> 00:30:35,110 Suze: Now, how were we able to do that? You can 514 00:30:35,110 --> 00:30:39,210 Suze: buy as many gift bonds for somebody in their name 515 00:30:39,990 --> 00:30:44,130 Suze: but you cannot deliver it to their account 516 00:30:44,700 --> 00:30:50,110 Suze: If they themselves have personally purchased $10,000 worth of I 517 00:30:50,110 --> 00:30:55,380 Suze: bonds that year. If next year I decided not to 518 00:30:55,380 --> 00:30:58,720 Suze: buy $10,000 more of I bonds. 519 00:30:59,550 --> 00:31:04,210 Suze: Then KT could deliver to me one of the $10,000 520 00:31:04,220 --> 00:31:08,030 Suze: of I bonds that she bought for me this year. 521 00:31:09,200 --> 00:31:14,230 Suze: So again, there's a difference between purchasing them in somebody's 522 00:31:14,230 --> 00:31:17,020 Suze: name and you just keeping it for them 523 00:31:17,670 --> 00:31:23,200 Suze: and delivering that bond to them in their account. So 524 00:31:23,250 --> 00:31:27,240 Suze: if you bought two I bonds for your son this year, 525 00:31:27,250 --> 00:31:31,330 Suze: that's fine. As long as you did not deliver them 526 00:31:31,340 --> 00:31:35,670 Suze: or did not deliver more than one if he hadn't 527 00:31:35,670 --> 00:31:39,220 Suze: purchased it himself. Well, how was that today? 528 00:31:40,900 --> 00:31:41,360 Suze: Why 529 00:31:41,360 --> 00:31:43,620 Suze: do you hate being wrong so much? 530 00:31:43,960 --> 00:31:47,070 KT: Well, I just have a block against Roth. 531 00:31:47,530 --> 00:31:49,630 Suze: We weren't talking about were also we were talking about 532 00:31:49,640 --> 00:31:53,820 Suze: I bonds. Oh, never mind. 533 00:31:54,820 --> 00:31:58,820 Suze: Why do I even go there? I don't know. All right. 534 00:31:58,830 --> 00:31:59,520 Suze: Everybody 535 00:31:59,520 --> 00:32:03,240 KT: 'Till Saturday night. Date night with Suze! 536 00:32:03,360 --> 00:32:05,340 Suze: How does that song go that I love? 537 00:32:05,350 --> 00:32:09,620 KT: (SINGS) Another Saturday night and I ain't got nobody. 538 00:32:09,620 --> 00:32:10,890 Suze: Yes, but how do I sing it? 539 00:32:10,900 --> 00:32:14,400 KT: (SINGS) Another Saturday night and I ain't got no money. 540 00:32:14,400 --> 00:32:16,210 Suze: That's not how I sing it. How do I sing 541 00:32:16,210 --> 00:32:16,510 Suze: it 542 00:32:17,280 --> 00:32:23,840 Suze: (SINGS) Another Saturday night and I have lots of money anyway. Alright, 543 00:32:23,840 --> 00:32:27,360 Suze: everybody until Saturday night. 544 00:32:28,400 --> 00:32:29,950 Suze: What do we want to tell everybody? 545 00:32:29,960 --> 00:32:32,080 KT: Stay safe. 546 00:32:32,090 --> 00:32:32,959 Suze: Strong 547 00:32:32,960 --> 00:32:34,540 KT: and secure. 548 00:32:34,540 --> 00:32:35,680 Suze: See you then 549 00:32:35,680 --> 00:32:36,610 KT: Have a great week. 550 00:32:36,610 --> 00:32:37,630 Suze: Alright, bye bye.