00:00:08 Suze: September 27th, 2026. Welcome everybody to the Women and Money podcast and everybody smart enough to listen. Today is Suze School. 00:00:20 Suze: So therefore, get out your Suze notebooks because you're going to need to write a lot of things down. This is a very, very serious lesson that many of you out there really need to pay attention to. But before I get to that, I just want to remind everybody, October 3rd and 4th is coming up in Glendale, California at the Alex Theater. 00:00:50 Suze: Where there will be an incredible two-day event, the Empower event celebrating the 100th birthday, if she were still alive, of Louise Hay, who really was one of the most and is still, in my opinion, extraordinary women you ever would have met in your life or wanted to meet. However, if you cannot attend in person, we are streaming the event. 00:01:15 Suze: So, if you just go to Suze, S U Z E, Suze Orman.com/empower, E M P O W E R, you can still buy a ticket there if you want to attend in person. However, we are streaming it. Over 10,000 of you have already signed up for it. It will be free if we stream it, obviously. Therefore, don't miss out. Are we ready to begin? 00:01:47 Suze: Today's, Suze School, I'm talking about Medicare. 00:01:52 Suze: That's right, Medicare. And there's a very specific reason why I am doing this Suze School right now. 00:02:02 Suze: October 15th through December 7th, Medicare has open enrollment. 00:02:11 Suze: That is only approximately 18 days away, but I don't know when you listen to the podcast. I don't know, do you wait a few days and then you listen to it. So, I wanted to give you plenty of time to make sure that you listen to this particular episode of this podcast. 00:02:32 Suze: You write everything down that pertains to you and that you really take in everything I'm about to teach you. Now listen, if you're already on Medicare, I do not want you to think, but Suze, I already have Medicare. I don't need to listen to this, really, everybody, because you may be the person who needs to listen to it the most because you got to get this, everybody. 00:02:59 Suze: Medicare is not necessarily something you choose once, and then you forget about it for the rest of your life. 00:03:06 Suze: Your plan can change, your prescription drug coverage can change, your premiums can change, your deductibles and other costs can change, your doctors can change networks, your medications can change, and your own financial situation can change. There is not a year that goes by that KT and I don't go through it in great detail. What worked for you this year may not necessarily be what you want for next year. 00:03:35 Suze: And for those of you who are not 65 yet, well, I want you to listen as well, because there are decisions you can make before you ever enroll in Medicare that can affect what Medicare eventually costs you. 00:03:52 Suze: Today, I want to answer four questions that I think you need to know the answers to. 00:04:00 Suze: Number one: if I already have Medicare, what should I be doing during open enrollment? 00:04:09 Suze: Two: When do I actually have to enroll in Medicare? 00:04:14 Suze: Three: what happens if I'm still working at 65 and contributing to an HSA, which is a health savings account, everybody, and four: why can two people with Medicare pay dramatically different amounts for essentially the same Part B coverage? 00:04:38 Suze: That last question will bring us to something called IRMAA, I R M A A, and that stands for the Income Related Monthly Adjusted Amount. And by the time today's Suze School is over, all of you are going to understand exactly what that means. Are you ready? Let's begin. Now, before I can talk about this, I have to make sure that you all know what Medicare is. 00:05:08 Suze: So, therefore, what you have to get is this, Medicare has all these letters A, B, C, and D. 00:05:19 Suze: And if you don't know what those letters mean, everything else I'm going to teach you today is going to be far more confusing than it needs to be. So, let's make this simple. Medicare Part A pays for your hospital. Think about it as hospital insurance when you go to the hospital, and it generally helps cover inpatient hospital care. 00:05:44 Suze: It can help for a short period of time care in a skilled nursing facility under certain conditions, hospice care, and some home health care. And what you have to understand is most people do not pay a monthly premium for Part A because they or their spouse paid Medicare taxes long enough while they are working or while they were working. 00:06:13 Suze: But I don't want you to hear "no monthly premium" and think "free." Part A has deductibles and other potential out of pocket costs, but for Part A, I want you to think hospital. So write down Part A, hospital insurance. 00:06:34 Suze: Medicare Part B. I want you to think doctors and outpatient medical care. Write that down. Part B generally, not all the time, but generally, helps cover things such as doctor visits, outpatient care, preventative services, and certain medical equipment and services. But what you really have to get is unlike premium free Part A, Part B normally has a monthly premium, and in 2026, this year... 00:07:15 Suze: The standard Part B premium is $202.90 a month, over $2,000 a year. Write it down, but in a little bit I'm going to show you why some of you pay considerably more than $202.90 and that's where IRMAA comes in. 00:07:42 Suze: So again, Part B, I want you to think doctors and outpatient care. 00:07:50 Suze: Now, Parts A and B together are what we call original Medicare. 00:08:00 Suze: But original Medicare does not pay for everything. Why? And I said it before, there are deductibles, co-insurance, other costs, and original Medicare generally does not include routine outpatient prescription drug coverage. Now I'm gonna say outright just here before I even go on. 00:08:26 Suze: If you can, I would really prefer if all of you had original Medicare more than anything else. 00:08:36 Suze: Just write that down and know that. 00:08:40 Suze: But that brings us to the next thing, which is Part D. Now, what is Medicare Part D? Just think about the letter D, and the D stands for drugs. Part D is prescription drug coverage that's offered through private insurance companies that contract with Medicare. So, if you have original Medicare, which is what I want you to have, 00:09:07 Suze: and want prescription drug coverage, you can generally purchase a separate Part D plan, and that is exactly why those of you who are already on Medicare need to pay attention during open enrollment. 00:09:25 Suze: Because your prescriptions can change, the drugs covered by your plan can change, your costs can change, and the plan that worked beautifully for you this year may not necessarily be the best fit next year. What is Part C? 00:09:44 Suze: Part C is Medicare Advantage. Now, why, since I know the alphabet is A, B, C, D, why did I choose to tell you first about A, B, and D Medicare? 00:09:58 Suze: Because those are the three that I want you to have. 00:10:01 Suze: If you choose Medicare Advantage, OK, but you have to be seriously careful. 00:10:08 Suze: So, Part C is Medicare Advantage. And this is where people, I'm telling you, you get confused. Medicare Advantage is another way for you to receive Medicare benefits. 00:10:25 Suze: These plans, they came about years ago. I'll never forget when they first came out. They are offered by private insurance companies that are approved by Medicare. So you still have Medicare, but instead of receiving Part A and Part B directly through original Medicare, you receive covered Medicare benefits through the Medicare Advantage plan. 00:10:55 Suze: And many Medicare Advantage plans also include Part D, Remember, prescription drug coverage, and many other additional benefits. Now, think about what's about to happen in the next few weeks. Every time you turn on your television, you're going to hear, "I got Medicare Advantage. I got this. I did that." 00:11:18 Suze: You are gonna be barraged with Medicare messages, you are, and so you have to really understand how they work. But it's really important that you understand the difference between the two. Now, even though Medicare Advantage plans offer additional benefits 00:11:42 Suze: that your doctor has to be part of a provider network, co-payments, you need prior authorization requirements and other plan rules that you so need to understand. 00:11:58 Suze: So, again, you know my preference, do your homework. 00:12:03 Suze: Now that you understand that, everything else we're going to talk about today, open enrollment, HSAs, when to sign up, and especially IRMAA is going to make a whole lot more sense. So, let's start with those of you who are already on Medicare. 00:12:22 Suze: October 15th through December 7th is Medicare open enrollment. Now, during this period 00:12:33 Suze: if you have Medicare, you have an opportunity to change your Medicare health or prescription drug coverage for the coming year, and here is the mistake I do not want you to make. Do nothing simply because doing nothing is easier. 00:12:52 Suze: Wrong. Every year I want you to review your coverage. That does not mean I want you to change plans every year. No. What I want is that if you have Medicare and your plan is working beautifully for you, great, but there is an enormous difference, everybody, between keeping your plan because you reviewed it and decided it is still right for you. 00:13:19 Suze: And keeping your plan because you never bothered to look. 00:13:24 Suze: So you're saying, all right, Suze, you've now repeated that like five times to me. What exactly, madam, do you want me to look at? 00:13:33 Suze: If you have Part D coverage, I want you to look at the medications you actually are taking now. 00:13:43 Suze: The medications I take this year are not the same as the medications I took three years ago, and I have a feeling they won't be the same I'm taking next year, cause I don't think I'll have to take them next year. 00:13:58 Suze: So, has your plan changed how it covers one of these drugs? Because these plans change all the time. 00:14:07 Suze: So it's possible that they covered something this year or last year and they might not cover it next year. Has your preferred pharmacy changed? That's important, people. What will your total expected cost be under that plan next year? And you are not to make your decision based. 00:14:30 Suze: solely on the monthly premium. This is not, "oh, what is the cheapest, that is what I'm going to choose." No. Why? Because a plan with a lower premium is not necessarily a less expensive plan for you. I need you all to start looking at the entire picture. 00:14:50 Suze: Now, I just want to talk about Medicare Advantage for a second. If you have a Medicare Advantage plan, 00:14:59 Suze: I want you checking your doctors, your specialists, your hospitals, your pharmacies. Are you writing all this down? And are they still participating in the plan? 00:15:12 Suze: And I don't want you to stop there. I want you to look at the plan's costs. I want you to look at the co-payment. I want you to look at the co-insurance. I want you to look at the maximum out of pocket limit. 00:15:27 Suze: I want you to look at what changed for the coming year, because when it comes to health insurance, you gotta believe me, people, cheap and inexpensive are not necessarily the same thing. You know, something can have a very attractive premium and become very expensive when you actually need medical care. 00:15:49 Suze: I also want you to read the information your current plan sends you and what the changes are for next year. So, you know how you get that in the mail and just throw it in a pile, and you say, "I'll look at it later," and before you know it, December 8th has already passed, and now you can't do anything about it. 00:16:11 Suze: Now, one other thing that I just want to say about Medicare Advantage, if you have it and you use it and they deny your claim. You are to absolutely challenge that, not just once, not just twice, as many times as you need to for them to approve it because it is no secret that they just think if they deny it, you'll say, "OK." 00:16:42 Suze: And they deny a lot of people knowing that in my opinion, so you are to actually appeal it and you are to go after it, after it and after it. Don't be ridiculous, everybody. 00:16:55 Suze: Open enrollment is not permission to assume you can move freely between every form of Medicare coverage without consequences. That is not what this is about, for example: 00:17:10 Suze: If you are considering right now moving from Medicare Advantage, which many of you do, after you've been on it, you decide, oh, that wasn't for me, I didn't quite understand it, and you wanna move back to original Medicare. 00:17:26 Suze: What you have to understand is when you originally apply for Medicare, you automatically qualify regardless of what's going on with you, for a Mediap policy which fills in the gaps of what Medicare does not pay. However, if you are on Medicare Advantage and now you want to go back to original Medicare and you want a Mediap policy... 00:17:58 Suze: You might not be able to get one. You'll only get one based on your ability to purchase it, the price of it, and your health circumstance and where you live. So be very, very careful and write down that I just said that. 00:18:18 Suze: Don't cancel one form of coverage like Medicare Advantage, assuming another form of coverage will automatically be available to you on the terms that you want. 00:18:32 Suze: Now, let's just look at this. What if you are about to turn 65? 00:18:39 Suze: I want to talk to those of you approaching Medicare because for most people, Medicare eligibility, as you know, begins at 65. Most of us couldn't wait to be 65 so we could get on Medicare because in its current form, truly everybody, original Medicare is so incredible, I cannot even tell you, so incredible. 00:19:06 Suze: However, your initial enrollment period generally lasts seven months. Write it down. It begins three months before the month you turn 65. It includes the month you turn 65, and it continues for three months afterwards. Suppose your 65th birthday is June 15th. 00:19:35 Suze: Your initial enrollment period begins March 1st and runs through September 30th, but please do not hear like seven months and think, "Oh, I have plenty of time." 00:19:50 Suze: If you know you need Medicare when you turn 65, then I need you to start dealing with this before your birthday. I do not want you to accidentally create a gap in coverage, and I especially do not want you unnecessarily creating a late enrollment penalty. 00:20:11 Suze: Well, what could be late, Suze? Part B. Be careful about Part B, because the late enrollment penalty will in most cases stay with you as long as you have Part B. 00:20:30 Suze: So if you're thinking, "Oh, I'll just wait" and you pass that period, oh, there is a penalty once you eventually sign up for Part B. Now, some of you are thinking maybe, "But Suze, I'm gonna keep working after 65." Great, no problem. Now we need another lesson. 00:20:53 Suze: If you or your spouse are still actively working, and you have employer group health coverage based on that current employment, OK, you may be able to delay Medicare Part B without the normal late enrollment penalty. 00:21:11 Suze: But if you're not and you do not enroll in Medicare Part B, you have got to understand that the Part B late enrollment penalty is generally 10%, write this down, of the standard Part B premium for each full 12 month period. You could have had Part B, but you didn't enroll. 00:21:39 Suze: And what you've got to understand is you pay that higher amount for as long as you have Part B. So, for instance, I guess I should give you an example, is in 2026, the standard Part B premium is $2,002.90. So if you delayed for two full years without qualifying for a special enrollment period, meaning that you work for somebody, all right. 00:22:09 Suze: The penalty is going to be 20%. So the example here puts the premium at about $243.50 versus $202.90. So you have to get this, everybody, and it can go every year. So, it's 10%, then 20%, then 30%, then 40%. I had a woman just recently, by the way, write me. 00:22:38 Suze: And for 13 years, they did not enroll in Part B. Think about that penalty. Let me go back now to what I think I was just talking about. 00:22:53 Suze: Current employment is key here. 00:22:57 Suze: So for you to not have to enroll in Medicare Part B, you need current employment. 00:23:05 Suze: Do not simply say "I have health insurance, therefore I don't need Medicare." No, that's not good enough. The type of coverage you have really matters, everybody. The circumstances matter. The employer matters. So you're going to need to verify exactly how your employer coverage coordinates with Medicare. 00:23:31 Suze: I really need all of you, if you're not going to apply for Medicare Part B because you are still working, you are currently working. I need you to talk with your benefits administrator and Medicare before making the decision not to enroll. 00:23:49 Suze: Now, there's one word here that I really want you to remember, because this one word may affect a lot of you, and that is called COBRA. 00:24:02 Suze: COBRA is not the same thing as health insurance based on current employment for purposes of the Medicare B special enrollment period, and this catches many, many people. Suppose you stop working, and when you stop working, the place you worked for, if you can't get health insurance somewhere else, they offer you something called COBRA. 00:24:30 Suze: And you think, "Oh, I have COBRA for 18 months." Because that's how long they have to offer it to you for, and by the way, it's more expensive than just regular insurance, but when I have COBRA for 18 months, and you think when COBRA ends, I'll enroll in Medicare Part B, nope, that's when you get yourself into serious trouble. 00:24:59 Suze: The Part B special enrollment period only lasts eight months after your employment ends or your employer group health coverage based on your current employment ends, whichever happens first. 00:25:20 Suze: Now, the reason that I'm going over this is this has happened to many of you. Just remember, having health insurance is not the same thing as having coverage based on current employment, and you need to know which one you have. Now, a lot of you have HSAs, health savings accounts, right? 00:25:45 Suze: I think it's important that you understand how they work, not necessarily an HSA works, but how they work when it comes to Medicare, so that you don't make this mistake. 00:25:59 Suze: Let's just say you're 67. 00:26:02 Suze: And let's say you are still working and you have an HSA along with an eligible high deductible health plan and you have not enrolled in Medicare yet and you still are contributing to your HSA. Remember, an HSA, a health savings account, is money that you can put in. 00:26:29 Suze: That you've never paid taxes on, put it into the savings account you can invest it in many of the mutual funds that they offer and when you go to take it out for a qualified medical expense, it is also tax free. 00:26:46 Suze: So, it is the only way to save triple tax-free, tax write-off when you do it, tax-free while it's building up, tax-free if you use it for a qualified medical expense. So, again, just to recap, you're 67, you have an HSA and an eligible high deductible health plan, and you haven't enrolled in Medicare yet, and you're still contributing to your HSA. 00:27:16 Suze: But now you're going to retire and you want to enroll in Medicare. You need to pay very close attention here. Once you are enrolled in Medicare, you can no longer make HSA contributions, so Medicare A counts. 00:27:38 Suze: But here's the mistake that most of you can make. If you enroll in Premium Part A after age 65, so you're waiting, you're waiting a bit, your Part A coverage can generally be retroactive for as much as six months, although it cannot begin earlier than the month you first became eligible for Medicare. So why should you care? Listen closely. 00:28:08 Suze: Because your HSA eligibility can be affected for those retroactive months. So imagine you continued making HSA contributions right up until you enrolled in Medicare. 00:28:23 Suze: Then Medicare Part A becomes effective retroactively. Then you discover that some of your HSA contributions were made for months when you were no longer HSA eligible. Well, guess what, everybody, now you have a tax problem. 00:28:40 Suze: PThat's why everyone, Medicare advises people who are working beyond 65 and contributing to an HSA to stop contributing. Listen closely, six months before applying for Medicare or Social Security benefits. And everybody, I gotta tell you, employer contributions count as well, so this isn't just simply about what you personally put into an HSA. 00:29:08 Suze: It's what they put in as well. Now, I just want you to understand something here. When you stop HSA contributions, it doesn't mean that you get rid of your HSA. 00:29:23 Suze: So those are two completely different things. The money already inside your HSA remains yours. So you can continue using HSA money for qualified medical expenses, and I'm just gonna repeat this so you understand it. After the age of 65, 00:29:43 Suze: HSA money can generally be used tax-free, as I said before, for certain Medicare premiums and other qualified medical expenses. However, 00:29:56 Suze: You cannot use HSA money tax free to pay Mediap premiums, so an HSA can remain really for you an extremely valuable asset in retirement. I absolutely think it's even better than a Roth IRA if you want to know the truth, but you just need to know when you are no longer allowed to contribute to it. 00:30:21 Suze: Now, let's talk about what most of you get so upset about, and that's something called IRMAA, Income-Related Monthly Adjusted Amount. And here's what I want you to understand, not everybody pays the same amount for Medicare Part B. 00:30:45 Suze: In 2026, I've already told you the standard Part B premium, the least you're gonna pay is $202.90 per month, but higher income Medicare beneficiaries can pay substantially more because of IRMAA. 00:31:05 Suze: Now, IRMAA doesn't just affect Part B, and I don't think all of you know this, it also adds a surcharge to Part D. 00:31:16 Suze: And that's the part that always surprises you when I tell you that the government generally isn't working at what you're earning today. However, for your 2026 IRMAA, Social Security generally looks at your 2024 tax return. There is a two year look back, so I want you to think about what that means. 00:31:46 Suze: A financial decision you made, for instance, two years ago can affect what you're paying for Medicare today. 00:31:54 Suze: That is why I want those of you who are 63 and 64 listening, you may not be on Medicare yet, but decisions you are making right now could affect what you pay once you are. So what income counts for IRMAA? 00:32:14 Suze: IRMAA uses modified adjusted gross income, and essentially when I talk about modified adjusted gross income, it includes your adjusted gross income plus tax exempt interest. 00:32:32 Suze: So what can potentially increase that number is what you have to be asking yourself. 00:32:38 Suze: Ready? A large traditional IRA withdrawal. A Roth conversion. Capital gains, certain investment income, selling appreciated assets, all of those affect your income. 00:32:59 Suze: And therefore your IRMAA. That is why I am begging all of you, stop thinking about the tax write-offs today for these stupid traditional 401ks, 403bs, IRAs, whatever they are. The younger you are, the more you have all your money into a Roth IRA. It is not going to affect IRMAA when you go to take that money out. 00:33:30 Suze: Also, it's not going to affect the taxation calculation on your Social Security. 00:33:37 Suze: IRMAA is one of the biggest reasons that you want to do Roth conversions early on in life far before you turn 65. So, if you're converting now in your 50s, your 60s, when you turn whatever, it's not gonna be part of the calculation for IRMAA, even though it's a two-year look back. 00:34:00 Suze: So I would want to make sure all my Roth conversions were done before I turned 62. Just saying. Now, I told you that the standard Part B premium is $202.90 and the highest Irma level for Part B is $689.90. 00:34:25 Suze: That is an additional $487 every month, but it doesn't end there, cause the highest part D IRMAA surcharge is $91 a month. So we are now talking about an additional $578 a month. Now, I will put on the Women and Money community app for you, exactly what the IRMAA charges are, the amounts of money, and what the brackets are, just so you can see. For those of you who aren't part of the community app, it's a Women and Money community app. Go to Apple Apps or Google Play and download it for free, and I will put that on it today, so all of you can see. 00:35:12 Suze: But what's important is, that was for one person. 00:35:17 Suze: That's $6,936 a year more for just one person if you're making over the max for a married couple where both spouses are on Medicare. 00:35:33 Suze: And both are subject to those highest surcharges like myself and KT. 00:35:41 Suze: That's $13,872 in additional Medicare costs for the year. Now, do you understand why IRMAA matters? So don't make this mistake. After hearing those numbers, I know, I know it's going to happen. 00:36:01 Suze: You're going to become obsessed with staying below the IRMAA threshold. Now, how do I know that? 'Cause all of you write me and say, "Suze, I'm gonna do this, I'm gonna do that, because I don't want to pay IRMAA." I don't want you doing that either. The goal is not never to pay IRMAA. 00:36:20 Suze: IRMAA should be the name of somebody, right? The goal is to understand IRMAA before making financial decisions. So, suppose a Roth conversion causes you to pay an additional 2,000 or 3,000 in Medicare costs down the road, but that conversion is projected to save you substantially more in taxes over your lifetime and your beneficiary's lifetime, you have to take that into consideration. 00:36:49 Suze: So you don't automatically reject the conversion because of IRMAA. You run the numbers. I don't want you spending $10,000 to save $1,000 and I don't want you to give up $10,000 in potential long-term benefits because you're terrified of spending $1,000. 00:37:08 Suze: Know the entire cost, then make the decision. 00:37:13 Suze: I'm almost done here. Just stick with me a little while longer. 00:37:18 Suze: I want to talk to the women. I want you to especially listen to me right now. 00:37:23 Suze: And imagine you've been married for 40 years. You and your spouse have been filing jointly. Your spouse dies. Your household income may decline, but it does not necessarily decline by half. 00:37:39 Suze: Maybe investment income continues, maybe IRA distributions continue, maybe pension income continues, Social Security changes, but let's say expenses don't necessarily fall by 50% either. 00:37:54 Suze: And eventually your tax filing can change. Remember those IRMAA numbers for 2026. The first threshold for married couples filing jointly is $218,000. For a single person, it's $109,000. So that's a massive difference. There is another version of what many of us call the widow's penalty. 00:38:24 Suze: And that is one reason why both spouses need to understand the household finances before one of them is suddenly forced to handle everything alone. 00:38:37 Suze: Here's some good news, OK. Suppose Social Security is using a tax return from two years ago when you were earning significantly more money. 00:38:49 Suze: But you've retired or you've gotten divorced or your spouse died. 00:38:55 Suze: Or another qualifying life changing event occurred and your income decreased. Let's just say that it's true. 00:39:03 Suze: Do you simply have to accept the IRMAA amount? And the answer to that is, I don't think so. Why? 'Cause there are specific life changing events that can allow you to ask, listen closely, 00:39:20 Suze: Social Security to reconsider your IRA using more recent income information. So the form I want you to remember, you write this down is SSA-44. 00:39:36 Suze: If you receive an IRMAA notice and your income has dropped because of a qualifying life changing event, do not throw the notice in a drawer and complain about how much Medicare costs. I want you to read it. I want you to understand why you're being charged, IRMAA. I want you to determine whether your circumstances qualify for a reconsideration. 00:40:02 Suze: And if they do, you need to take action. 00:40:07 Suze: All right, this was like two Suze Schools in one. Let's bring this all together for you. If you're on Medicare, October 15th is coming. I want you to review your medications, your doctors, your hospitals, your pharmacies, and what your coverage is actually going to cost you next year. 00:40:26 Suze: For those of you approaching 65, know your enrollment dates. Do not wait until the last minute. Do not assume that simply having health insurance means you can delay Medicare. For those of you who are still working after 65, know exactly how your employer coverage works, and if you have an HSA. 00:40:46 Suze: I want you to know when those contributions have to stop before Medicare begins and for every single one of you on Medicare or approaching Medicare, know the letters IRMAA because I'm telling you, I'm begging you to understand this, the financial decisions you make today, 00:41:09 Suze: can and will affect what Medicare costs you two years from now. Do not let IRMAA run your financial life. Do not avoid a smart Roth conversion or a capital gain or other financial moves simply because you are afraid of paying more for Medicare. IRMAA is one factor. Taxes are another. Your retirement income is a factor. Your health is another factor. 00:41:36 Suze: Your future is the whole picture, and that is what I want you to understand. 00:41:43 Suze: I think I'm maybe done. 00:41:45 Suze: Is there anything else I want to say to you? I'm thinking, I'm thinking, oh yes, there's only one thing I want you to remember when it comes to your money besides all of this, and that's for you to remember people first. That means you, then money, then things. Now you stay safe. Bye bye.