1 00:00:29,459 --> 00:00:34,439 Suze: October 19th, 2023. Welcome everybody to the Women and Money 2 00:00:34,450 --> 00:00:38,759 Suze: podcast as well as everybody smart enough to listen. 3 00:00:39,569 --> 00:00:43,330 Suze: Yes, it's just me again today. 4 00:00:44,080 --> 00:00:47,159 Suze: Now, KT is doing so much better. I can't even 5 00:00:47,168 --> 00:00:51,369 Suze: tell you. In fact, as I'm recording this, she's in 6 00:00:51,380 --> 00:00:55,700 Suze: the kitchen cooking, which is a great, great sign. And 7 00:00:55,709 --> 00:01:00,979 Suze: she said, ok, let's go do a podcast. And I said, KT, no, 8 00:01:01,029 --> 00:01:05,309 Suze: you're not doing a podcast quite yet. I don't want 9 00:01:05,319 --> 00:01:09,239 Suze: you to do that. She said, but Suze, I said KT, 10 00:01:09,639 --> 00:01:13,209 Suze: so she just wants to know she's doing so much better, 11 00:01:13,220 --> 00:01:18,139 Suze: but I just want to make sure. Ok, so I'm 12 00:01:18,150 --> 00:01:21,180 Suze: going to do both parts today. 13 00:01:22,110 --> 00:01:27,569 Suze: All right. Are we ready? The very first email is, Hi, Suze. 14 00:01:27,639 --> 00:01:33,330 Suze: I've been married for four years since 2019 and we 15 00:01:33,760 --> 00:01:41,120 Suze: live in my house which I had bought for $210,000 16 00:01:41,190 --> 00:01:44,610 Suze: in 2017. Now, before I go on, 17 00:01:45,279 --> 00:01:48,839 Suze: listen to the inflection in my voice because I'm like 18 00:01:48,849 --> 00:01:52,580 Suze: KT that just so sweetly reads all these emails. I'm 19 00:01:52,589 --> 00:01:56,330 Suze: giving you clues as to the things that jump out 20 00:01:56,339 --> 00:01:58,980 Suze: at me. As I read these emails, 21 00:01:59,779 --> 00:02:04,819 Suze: my husband gives me $1000 per month and buys a 22 00:02:04,830 --> 00:02:10,130 Suze: few essentials for the home such as detergent, paper, towels, 23 00:02:10,139 --> 00:02:16,720 Suze: and toilet paper. I make $75,000 per year. I don't 24 00:02:16,729 --> 00:02:21,399 Suze: know his salary because he has never revealed it to me. 25 00:02:21,919 --> 00:02:25,320 Suze: But he is a senior director at a company that 26 00:02:25,330 --> 00:02:28,168 Suze: he has worked for 30 years at 27 00:02:29,160 --> 00:02:35,339 Suze: I am pain all the utilities and the maintenance including landscaping. 28 00:02:35,949 --> 00:02:40,149 Suze: He only mows the lawn and takes out the garbage 29 00:02:40,240 --> 00:02:44,949 Suze: but pays for nothing else. My question to you is, 30 00:02:44,960 --> 00:02:49,580 Suze: do you think I am being taken advantage of? 31 00:02:50,479 --> 00:02:53,138 Suze: He has told me that if I put him under 32 00:02:53,149 --> 00:02:57,300 Suze: my mortgage, he would fix up the house since the 33 00:02:57,309 --> 00:03:01,940 Suze: house needs a lot of work. I understand his position, 34 00:03:02,710 --> 00:03:05,350 Suze: but I don't know if I would be making a 35 00:03:05,360 --> 00:03:09,009 Suze: mistake by adding him to my mortgage in case it 36 00:03:09,020 --> 00:03:12,570 Suze: doesn't work out for us. I am now having to 37 00:03:12,580 --> 00:03:16,519 Suze: either put him on my mortgage or possibly having to 38 00:03:16,529 --> 00:03:20,779 Suze: separate because I needed a new roof urgently which I 39 00:03:20,788 --> 00:03:25,729 Suze: cannot afford. If I was separated, I might qualify for 40 00:03:25,740 --> 00:03:29,809 Suze: home improvement assistance programs because of my salary. 41 00:03:30,169 --> 00:03:35,149 Suze: I don't qualify for anything now because his salary disqualifies 42 00:03:35,160 --> 00:03:39,070 Suze: me since we are married. I'm really confused about what 43 00:03:39,080 --> 00:03:40,029 Suze: to do. 44 00:03:41,399 --> 00:03:45,179 Suze: All right, everybody, these are all your quizzies on some level. 45 00:03:45,830 --> 00:03:48,039 Suze: What did you think about that email there? 46 00:03:49,009 --> 00:03:52,850 Suze: Do you think this person is being taken advantage of? 47 00:03:53,529 --> 00:03:58,429 Suze: Do you think this person should put her husband's name 48 00:03:58,509 --> 00:04:00,070 Suze: on the mortgage? 49 00:04:01,369 --> 00:04:05,470 Suze: Do you think that they should stay married or do 50 00:04:05,479 --> 00:04:12,039 Suze: you think they should separate? What do you think? Because 51 00:04:12,050 --> 00:04:14,809 Suze: it is not impossible that many of you could end 52 00:04:14,820 --> 00:04:18,599 Suze: up in that exact same situation or you're in that 53 00:04:18,609 --> 00:04:23,470 Suze: situation or you have a friend that is in that situation? 54 00:04:24,440 --> 00:04:27,459 Suze: So, what do you think? What would you say? How 55 00:04:27,470 --> 00:04:28,760 Suze: do you feel about it? 56 00:04:29,670 --> 00:04:33,260 Suze: What do you advise this person to do? 57 00:04:34,350 --> 00:04:37,410 Suze: The first thing that I would say is this person 58 00:04:37,420 --> 00:04:41,850 Suze: is not a victim to her circumstances. She is not 59 00:04:41,859 --> 00:04:47,539 Suze: being taken advantage of by her husband. She is making 60 00:04:47,549 --> 00:04:51,649 Suze: it and put herself in my opinion, in a very 61 00:04:51,660 --> 00:04:57,289 Suze: subservient position where she has allowed this to go on 62 00:04:57,299 --> 00:04:59,799 Suze: for the past four years. 63 00:05:00,450 --> 00:05:05,000 Suze: The good news is that she bought the home in 64 00:05:05,010 --> 00:05:12,219 Suze: 2017 for $210,000. I'm sure the house is worth significantly 65 00:05:12,230 --> 00:05:17,500 Suze: more than that right now. The good news is because 66 00:05:17,510 --> 00:05:20,118 Suze: he really hasn't paid for anything. He hasn't been a 67 00:05:20,130 --> 00:05:24,109 Suze: part of it and all of that could be proved, hey, 68 00:05:24,440 --> 00:05:28,820 Suze: I'm sure if they got divorced. Maybe. Yes, maybe. No, 69 00:05:28,950 --> 00:05:31,700 Suze: she would be able to just keep the house as 70 00:05:31,709 --> 00:05:35,059 Suze: it is in her name. Maybe she did a prenup, 71 00:05:35,070 --> 00:05:38,260 Suze: maybe she did not. But here's the thing that I 72 00:05:38,269 --> 00:05:40,619 Suze: really want to say in this situation, 73 00:05:41,320 --> 00:05:44,779 Suze: she says that she doesn't know how much her husband 74 00:05:44,790 --> 00:05:48,260 Suze: makes because he has never divulged it to her. 75 00:05:49,529 --> 00:05:52,609 Suze: Are you telling me that you never looked at your 76 00:05:52,619 --> 00:05:56,630 Suze: joint tax returns that you sign that you are legally 77 00:05:56,640 --> 00:06:00,950 Suze: responsible for? Is that what you're telling me here? 78 00:06:01,809 --> 00:06:05,579 Suze: Every single one of us that is married do not 79 00:06:05,589 --> 00:06:10,089 Suze: just go blindly signing a joint tax return because if 80 00:06:10,100 --> 00:06:12,790 Suze: there is something on that tax return that is not 81 00:06:12,799 --> 00:06:18,190 Suze: legitimate and you in fact sign for it everybody, you 82 00:06:18,200 --> 00:06:20,308 Suze: are responsible for that. 83 00:06:21,178 --> 00:06:24,738 Suze: So have you just over all these years, the past 84 00:06:24,750 --> 00:06:28,839 Suze: four years just blindly signed the tax return 85 00:06:29,589 --> 00:06:33,450 Suze: and didn't happen to look at how much income tax 86 00:06:33,459 --> 00:06:37,469 Suze: you jointly have recorded. So you very easily could have 87 00:06:37,480 --> 00:06:40,850 Suze: figured out how much money you were making and how 88 00:06:40,859 --> 00:06:46,510 Suze: much money he was making, however you chose not to 89 00:06:46,519 --> 00:06:51,928 Suze: do that. So don't put this on him. You really, 90 00:06:51,940 --> 00:06:57,928 Suze: really need to take responsibility for this in this particular situation. 91 00:06:58,700 --> 00:07:01,839 Suze: Now, he may want you to put his name on 92 00:07:01,850 --> 00:07:02,750 Suze: the mortgage, 93 00:07:03,579 --> 00:07:07,450 Suze: but having a name on the mortgage is very different 94 00:07:07,459 --> 00:07:10,480 Suze: than having a name on the deed 95 00:07:11,359 --> 00:07:15,140 Suze: if his name is on the mortgage. And for whatever reason, 96 00:07:15,230 --> 00:07:17,859 Suze: you stop paying the mortgage, 97 00:07:18,970 --> 00:07:22,119 Suze: that means that he's responsible for it, 98 00:07:23,070 --> 00:07:27,290 Suze: not you. So who in the world would want to 99 00:07:27,299 --> 00:07:31,209 Suze: put their name on a mortgage and be legally responsible 100 00:07:31,220 --> 00:07:32,760 Suze: for paying for a house 101 00:07:33,589 --> 00:07:37,489 Suze: when the house isn't legally in their name. 102 00:07:38,359 --> 00:07:43,649 Suze: So you could do that if you want. But ethically speaking, 103 00:07:43,660 --> 00:07:47,959 Suze: it's not the right thing to do if he wanted 104 00:07:47,970 --> 00:07:52,619 Suze: his name on the house and the mortgage. Ok. 105 00:07:53,149 --> 00:07:57,619 Suze: But you are not in a relationship with somebody who 106 00:07:57,630 --> 00:08:01,869 Suze: in your opinion has been your equal partner. Given that 107 00:08:01,880 --> 00:08:04,920 Suze: he's only given you $1000 a month and buys a 108 00:08:04,929 --> 00:08:08,570 Suze: few essential, takes out the garbage and mows the lawn 109 00:08:09,929 --> 00:08:14,079 Suze: and is holding the fact that the house needs repair 110 00:08:14,089 --> 00:08:19,420 Suze: over your head for him to be part of that. No. 111 00:08:20,489 --> 00:08:23,790 Suze: Is it really that you want to stay involved with 112 00:08:23,799 --> 00:08:30,230 Suze: this person? Simply because you could afford home improvements when 113 00:08:30,239 --> 00:08:33,549 Suze: you write to me with such an email like this. 114 00:08:34,080 --> 00:08:37,270 Suze: Can you see what you are actually saying? 115 00:08:38,179 --> 00:08:42,218 Suze: What you're saying is you could qualify to fix up 116 00:08:42,229 --> 00:08:46,419 Suze: the house if you separated from him. Why? Because then 117 00:08:46,429 --> 00:08:49,518 Suze: you would qualify for home improvement assistance? 118 00:08:50,659 --> 00:08:54,030 Suze: But you can't get that because you are married. 119 00:08:55,169 --> 00:08:56,609 Suze: Are you really married? 120 00:08:57,429 --> 00:09:03,250 Suze: Are you really married? Not only just legally but in love, 121 00:09:03,260 --> 00:09:07,289 Suze: in spirit and responsibility in wanting to take care of 122 00:09:07,299 --> 00:09:09,848 Suze: each other and wanting to take care of each other's 123 00:09:09,859 --> 00:09:14,640 Suze: possessions and really being in equal partnership? Are you? 124 00:09:15,510 --> 00:09:18,650 Suze: And I have to tell you my friend you are not. 125 00:09:19,400 --> 00:09:23,569 Suze: And that's why you wrote in. You knew exactly what 126 00:09:23,580 --> 00:09:26,809 Suze: I was going to say. You knew exactly what everybody 127 00:09:26,820 --> 00:09:28,700 Suze: listening to this would tell you, 128 00:09:29,570 --> 00:09:34,630 Suze: they would tell you that the way your husband acts 129 00:09:34,640 --> 00:09:40,489 Suze: with money towards you says a lot about how he feels. 130 00:09:41,070 --> 00:09:46,710 Suze: It also says a lot about how you feel as well. 131 00:09:48,080 --> 00:09:50,130 Suze: So what should you do? 132 00:09:50,789 --> 00:09:55,739 Suze: I truthfully think that you should somehow talk about having 133 00:09:55,750 --> 00:09:57,570 Suze: an amicable separation, 134 00:09:58,929 --> 00:10:03,450 Suze: see how that goes for a while, but under no circumstances, 135 00:10:03,460 --> 00:10:06,510 Suze: would I be putting his name on the title to 136 00:10:06,520 --> 00:10:12,140 Suze: your home and, or the mortgage on any level? 137 00:10:13,299 --> 00:10:16,700 Suze: So I think the writing here is on the wall 138 00:10:17,250 --> 00:10:21,640 Suze: and I think you need to choose what you know, 139 00:10:21,650 --> 00:10:26,709 Suze: would make you feel secure again, protect your home, protect 140 00:10:26,719 --> 00:10:30,719 Suze: what you can do and make it work for you. 141 00:10:31,780 --> 00:10:37,020 Suze: All right, that's one, everybody. The next one is a 142 00:10:37,030 --> 00:10:43,039 Suze: little bit different. This one is one of hope. This 143 00:10:43,049 --> 00:10:48,179 Suze: one is one of possibilities and probabilities because so many 144 00:10:48,190 --> 00:10:53,039 Suze: times you write me and you make it like you 145 00:10:53,049 --> 00:10:57,880 Suze: just can't do it. You've grown up with no money. Therefore, 146 00:10:57,890 --> 00:10:59,640 Suze: you'll always have no money. 147 00:11:00,299 --> 00:11:03,760 Suze: And the reason that I chose this one to follow 148 00:11:03,770 --> 00:11:06,760 Suze: the one that I just read to you 149 00:11:07,429 --> 00:11:12,489 Suze: is under the heading of we are not victims to 150 00:11:12,500 --> 00:11:18,510 Suze: our circumstances. We can change our circumstances. But you have 151 00:11:18,520 --> 00:11:22,030 Suze: to want to be as powerful as you were born 152 00:11:22,039 --> 00:11:26,559 Suze: to be. You have to embrace when I say there 153 00:11:26,570 --> 00:11:29,880 Suze: is not an excuse big enough to keep you from 154 00:11:29,890 --> 00:11:31,809 Suze: being who you are meant to be. 155 00:11:32,460 --> 00:11:36,659 Suze: You have got to remember that you are the only 156 00:11:36,669 --> 00:11:40,199 Suze: ones really that can be an obstacle in your own 157 00:11:40,210 --> 00:11:42,679 Suze: path to financial freedom. 158 00:11:43,580 --> 00:11:47,599 Suze: And this is an email that proves how you can 159 00:11:47,609 --> 00:11:50,280 Suze: overcome your past. 160 00:11:51,260 --> 00:11:52,929 Suze: It's by Steve M 161 00:11:53,609 --> 00:11:58,390 Suze: and the subject was positive. Powerful turning point, 162 00:11:59,479 --> 00:12:01,849 Suze: dear KT and Suze, 163 00:12:02,530 --> 00:12:06,150 Suze: I began working for a different company as a contractor 164 00:12:06,159 --> 00:12:07,150 Suze: with the government. 165 00:12:07,840 --> 00:12:10,289 Suze: I had to do an IRA rollover. 166 00:12:10,919 --> 00:12:16,400 Suze: The previous company won't do an electronic transfer. So I 167 00:12:16,409 --> 00:12:19,559 Suze: had to take a paper check to the newly built 168 00:12:19,570 --> 00:12:24,098 Suze: Schwab office. I've never been to a brokerage office before. 169 00:12:24,500 --> 00:12:28,309 Suze: Neither has anyone in my family. If you were to 170 00:12:28,320 --> 00:12:32,340 Suze: say the word brokerage, they wouldn't even know that term. 171 00:12:33,119 --> 00:12:37,459 Suze: As I walked into the office. I realized to myself 172 00:12:37,469 --> 00:12:42,098 Suze: that nobody in the history of my entire family had 173 00:12:42,109 --> 00:12:46,459 Suze: ever stepped foot in a rich people's place like this. 174 00:12:47,200 --> 00:12:50,059 Suze: I thought I was going to feel out of place, 175 00:12:50,229 --> 00:12:51,159 Suze: but I didn't, 176 00:12:51,640 --> 00:12:58,989 Suze: I felt perfectly comfortable, positive and powerful depositing my $18,000 177 00:12:59,000 --> 00:13:03,219 Suze: checks into my Roth and newly created rollover. 178 00:13:03,859 --> 00:13:07,710 Suze: I took my time. I savored the feeling of having 179 00:13:07,770 --> 00:13:12,669 Suze: that large amount of money to deposit and told myself 180 00:13:12,679 --> 00:13:15,919 Suze: you'll be back soon. And this is only the beginning 181 00:13:15,929 --> 00:13:20,309 Suze: of your wealth. I've come to do my deposits even 182 00:13:20,320 --> 00:13:25,239 Suze: at the ATM slowly really feeling the joy of saving 183 00:13:25,489 --> 00:13:28,829 Suze: and building myself to a better and stronger place 184 00:13:31,260 --> 00:13:35,559 Suze: I think to myself, yes, this is who I am. 185 00:13:35,919 --> 00:13:41,809 Suze: I am powerful and wealthy abundance, floods my life and 186 00:13:41,820 --> 00:13:45,630 Suze: I always land on my feet. I can still feel 187 00:13:45,640 --> 00:13:49,739 Suze: the power of standing in that brokerage office. I try 188 00:13:49,750 --> 00:13:53,159 Suze: to sustain it as long as I can. When I 189 00:13:53,169 --> 00:13:56,039 Suze: recall the visit a few days ago, 190 00:13:56,979 --> 00:14:00,119 Suze: if the majority of people were to see where and 191 00:14:00,130 --> 00:14:01,400 Suze: how I grew up, 192 00:14:02,229 --> 00:14:07,489 Suze: they would consider me and my family trailer trash or hillbilly. 193 00:14:08,080 --> 00:14:11,429 Suze: Thanks to your help. I no longer see myself through 194 00:14:11,440 --> 00:14:15,200 Suze: the eyes of others. I see myself as who I 195 00:14:15,210 --> 00:14:20,859 Suze: am in body, mind and spirit. I'm resiliently abundant and 196 00:14:20,869 --> 00:14:25,520 Suze: secure with the power of compassion to enrich the world 197 00:14:25,530 --> 00:14:29,409 Suze: in boundless ways. I know this may sound silly, 198 00:14:29,909 --> 00:14:33,530 Suze: but I am a gay 52 year old man. Being 199 00:14:33,539 --> 00:14:38,210 Suze: able to connect with my own empowerment has been an 200 00:14:38,219 --> 00:14:39,789 Suze: enormous journey. 201 00:14:40,510 --> 00:14:44,090 Suze: I'm curious, what you think is this similar to your 202 00:14:44,099 --> 00:14:50,849 Suze: affirming yourself as you created success. Love to you both Steve. 203 00:14:52,059 --> 00:14:53,390 Suze: So Steve 204 00:14:54,179 --> 00:14:58,119 Suze: from Albuquerque. Could you hear it? Could you hear it? 205 00:14:58,130 --> 00:15:00,909 Suze: As I started to read the ending of your email, 206 00:15:00,919 --> 00:15:05,270 Suze: the tears warming up in my heart and my voice. 207 00:15:06,580 --> 00:15:10,520 Suze: One of the reasons that I love doing the work 208 00:15:10,530 --> 00:15:11,520 Suze: that I do 209 00:15:12,789 --> 00:15:17,090 Suze: is to read an email just like this 210 00:15:18,059 --> 00:15:22,679 Suze: because I so relate to it, Steve in so many ways. 211 00:15:23,250 --> 00:15:26,510 Suze: You know, I remember telling everybody the story and how 212 00:15:26,520 --> 00:15:29,900 Suze: I began my journey at the path to where I 213 00:15:29,909 --> 00:15:34,479 Suze: am right now. When Fred Hasbrouk, many of you remember 214 00:15:34,489 --> 00:15:37,390 Suze: this story or maybe you don't know it when Fred 215 00:15:37,400 --> 00:15:41,030 Suze: Hasbrouk was a man who I waited on for seven 216 00:15:41,039 --> 00:15:42,880 Suze: years at the Buttercup Bakery. 217 00:15:43,640 --> 00:15:47,909 Suze: And I so wanted to start my own restaurant, but 218 00:15:47,919 --> 00:15:51,179 Suze: I didn't have the money to do so. And Fred 219 00:15:51,520 --> 00:15:56,940 Suze: gathered all these people and they all gave me $50,000 220 00:15:56,960 --> 00:16:00,140 Suze: to put into a brokerage firm at Merrill Lynch 221 00:16:00,859 --> 00:16:03,500 Suze: until I could figure out how to open up my 222 00:16:03,510 --> 00:16:04,320 Suze: own restaurant. 223 00:16:05,099 --> 00:16:08,030 Suze: And I'll never forget when he said no, put this 224 00:16:08,039 --> 00:16:09,239 Suze: in a brokerage firm 225 00:16:10,020 --> 00:16:14,229 Suze: in a money market fund. And I said to him, Fred, 226 00:16:14,239 --> 00:16:15,809 Suze: what's a Merrill Lynch? 227 00:16:16,469 --> 00:16:18,929 Suze: And what's a money market account? 228 00:16:19,590 --> 00:16:25,090 Suze: I had no idea what he was talking about. 229 00:16:25,890 --> 00:16:30,289 Suze: And I'll never forget walking into that place with those 230 00:16:30,299 --> 00:16:33,679 Suze: checks knowing that it was more money than I had 231 00:16:33,690 --> 00:16:35,789 Suze: ever had in my life 232 00:16:36,640 --> 00:16:38,619 Suze: and depositing it. 233 00:16:39,469 --> 00:16:44,020 Suze: And that is where my journey began to become who 234 00:16:44,030 --> 00:16:46,330 Suze: I am to this day. 235 00:16:47,479 --> 00:16:51,340 Suze: Every one of us needs to take a first step. 236 00:16:51,909 --> 00:16:56,979 Suze: Not necessarily walking into a brokerage firm or depositing money 237 00:16:56,989 --> 00:16:57,960 Suze: or whatever, 238 00:16:58,780 --> 00:17:01,039 Suze: but feeling the power 239 00:17:02,140 --> 00:17:05,879 Suze: of what it takes to start to take the right 240 00:17:05,890 --> 00:17:07,280 Suze: actions with your money, 241 00:17:08,170 --> 00:17:13,750 Suze: feeling the power that you belong there, that you're able 242 00:17:13,760 --> 00:17:18,430 Suze: to do this, that your past is no excuse for 243 00:17:18,439 --> 00:17:21,339 Suze: what you want to create your future to be. 244 00:17:22,708 --> 00:17:26,639 Suze: And that is exactly what was happening to Steve in 245 00:17:26,648 --> 00:17:31,609 Suze: this email. It's exactly what happened to me when I 246 00:17:31,619 --> 00:17:36,447 Suze: first was hired at Merrill Lynch and I didn't think 247 00:17:36,458 --> 00:17:37,808 Suze: I belonged there. 248 00:17:38,469 --> 00:17:42,479 Suze: Everybody else was driving BMWs and Mercedes. And remember this 249 00:17:42,489 --> 00:17:47,449 Suze: was 1980 I was still driving in 1967 Volvo station 250 00:17:47,459 --> 00:17:51,050 Suze: wagon that I would park on the streets to get 251 00:17:51,060 --> 00:17:53,879 Suze: a ticket so I could go do community service because 252 00:17:53,890 --> 00:17:57,780 Suze: I couldn't afford the $80 a month to park in 253 00:17:57,790 --> 00:18:01,060 Suze: the lot where every other broker parked, 254 00:18:02,089 --> 00:18:06,709 Suze: I didn't belong there. They would all go out to 255 00:18:06,719 --> 00:18:09,469 Suze: eat at fancy restaurants and I would go to Taco 256 00:18:09,479 --> 00:18:13,630 Suze: Bell and eat in my car and I did that 257 00:18:13,640 --> 00:18:15,910 Suze: for a year at least. 258 00:18:17,209 --> 00:18:21,170 Suze: So I get it, Steve. All of you need to 259 00:18:21,180 --> 00:18:23,010 Suze: get that. I get it. 260 00:18:24,270 --> 00:18:27,170 Suze: But what you really have to get 261 00:18:27,829 --> 00:18:31,359 Suze: is that your future is held in your hand. 262 00:18:32,239 --> 00:18:35,930 Suze: Steve gets it. The woman who wrote in the first 263 00:18:35,939 --> 00:18:40,949 Suze: email needs to get it and we all need to 264 00:18:40,959 --> 00:18:41,609 Suze: get it. 265 00:18:42,569 --> 00:18:46,969 Suze: And this is the time, the time of such uncertainty 266 00:18:46,979 --> 00:18:50,290 Suze: in the world. Are we going to have a World 267 00:18:50,300 --> 00:18:54,300 Suze: War Three? What is going to happen? Are we going 268 00:18:54,310 --> 00:18:58,030 Suze: to go into recession because of this, what is going 269 00:18:58,040 --> 00:18:59,109 Suze: to go on 270 00:18:59,819 --> 00:19:03,599 Suze: and while everybody else is holding the future of the 271 00:19:03,609 --> 00:19:07,040 Suze: United States and really the world in their hands, 272 00:19:07,790 --> 00:19:12,060 Suze: the least we can do is hold our own future 273 00:19:12,510 --> 00:19:16,359 Suze: in our own hands, in our own mind, in our 274 00:19:16,369 --> 00:19:17,770 Suze: own souls 275 00:19:18,540 --> 00:19:23,819 Suze: so that we remain powerful. We understand what we can do. 276 00:19:23,829 --> 00:19:28,359 Suze: We understand that we belong to the world of unlimited 277 00:19:28,369 --> 00:19:30,750 Suze: possibilities where anything is possible. 278 00:19:32,589 --> 00:19:39,319 Suze: And then, and only then can you really consider yourself 279 00:19:39,329 --> 00:19:41,209 Suze: a wealthy person. 280 00:19:42,579 --> 00:19:45,939 Suze: Wealth is not determined by the amount of money that 281 00:19:45,949 --> 00:19:49,099 Suze: you have in a bank account or the amount of 282 00:19:49,109 --> 00:19:55,479 Suze: money that you make true wealth. True wealth is that 283 00:19:55,579 --> 00:20:00,270 Suze: which can never be bought or sold at any price. 284 00:20:00,290 --> 00:20:04,540 Suze: True wealth is that which can never diminish 285 00:20:05,510 --> 00:20:10,170 Suze: the whole goal of my life's work. The whole goal 286 00:20:10,180 --> 00:20:14,050 Suze: of the Women and Money podcast is so that you 287 00:20:14,060 --> 00:20:19,800 Suze: can really, really, really live a life of true wealth. 288 00:20:20,760 --> 00:20:21,390 Suze: So 289 00:20:22,780 --> 00:20:27,280 Suze: that's today's podcast. I hope I was a good replacement 290 00:20:27,290 --> 00:20:34,770 Suze: for Miss Travis. Somehow. I know I was now, I 291 00:20:34,780 --> 00:20:37,280 Suze: have some good news to tell you 292 00:20:37,810 --> 00:20:42,399 Suze: For this Sunday and next Thursday we're going to do 293 00:20:42,410 --> 00:20:46,438 Suze: the best of. And why is that ready for the 294 00:20:46,449 --> 00:20:50,859 Suze: good news? It's because KT and I this weekend will 295 00:20:50,869 --> 00:20:53,238 Suze: be going to New York City 296 00:20:53,479 --> 00:20:56,140 Suze: and this is going to be my first time that 297 00:20:56,150 --> 00:21:00,780 Suze: I am on live television. You can watch me on 298 00:21:00,790 --> 00:21:05,800 Suze: October 24th, the five o'clock hour on CNBC. I'm gonna 299 00:21:05,810 --> 00:21:09,550 Suze: be doing another taping with who's talking to Chris Wallace. 300 00:21:09,560 --> 00:21:13,260 Suze: We'll see when that airs as well as going to 301 00:21:13,270 --> 00:21:13,329 Suze: a 302 00:21:13,415 --> 00:21:18,514 Suze: luncheon for the 50/50 which I have been named to. 303 00:21:18,704 --> 00:21:23,344 Suze: So I'm going for it again. Everybody just like I 304 00:21:23,354 --> 00:21:28,035 Suze: want all of you to do as well. So there's 305 00:21:28,045 --> 00:21:30,843 Suze: only one thing that I want you to say every 306 00:21:30,854 --> 00:21:33,224 Suze: single day. Come on, say it with me. 307 00:21:33,550 --> 00:21:38,010 Suze: And it is this today. Wherever I go, I will 308 00:21:38,020 --> 00:21:44,890 Suze: create a more peaceful, joyful and loving world. And if 309 00:21:44,900 --> 00:21:51,050 Suze: you do that, I promise you you will be unstoppable.