1 00:00:28,889 --> 00:00:34,240 Suze: July 13, 2025. Welcome everybody to the Women and Money podcast, 2 00:00:34,490 --> 00:00:38,569 Suze: as well as everybody smart enough to listen. Suze O 3 00:00:38,569 --> 00:00:43,770 Suze: here and today is Suze School. But before I begin 4 00:00:43,770 --> 00:00:44,939 Suze: Suze School, 5 00:00:45,270 --> 00:00:48,769 Suze: I just want to say a few things. A lot 6 00:00:48,770 --> 00:00:52,610 Suze: of you out there have never joined the Women and 7 00:00:52,610 --> 00:00:56,009 Suze: Money community app, and I'm just gonna tell you now 8 00:00:56,009 --> 00:00:58,650 Suze: you're missing out on a lot. 9 00:00:59,169 --> 00:01:02,250 Suze: What do I mean by a lot? Very simple. I 10 00:01:02,250 --> 00:01:05,809 Suze: go on there quite often. Like this week, I went 11 00:01:05,809 --> 00:01:09,699 Suze: on and made an announcement about Bitcoin. Don't be surprised 12 00:01:09,699 --> 00:01:11,760 Suze: to see it do this and go all the way up, 13 00:01:12,010 --> 00:01:15,089 Suze: and I give you some thoughts. I do things that 14 00:01:15,089 --> 00:01:18,730 Suze: I don't necessarily do on the podcast, so you might 15 00:01:18,730 --> 00:01:22,650 Suze: just want to check out by going to Apple Apps 16 00:01:22,650 --> 00:01:26,279 Suze: or Google Play and check out the Women and Money 17 00:01:26,279 --> 00:01:28,010 Suze: Community app. It's free. 18 00:01:28,309 --> 00:01:30,699 Suze: And go to the wall and you never know what 19 00:01:30,699 --> 00:01:35,290 Suze: you will find there. Also, if you have a question 20 00:01:35,739 --> 00:01:39,940 Suze: that you want answered on the Women and Money podcast, 21 00:01:40,059 --> 00:01:43,949 Suze: if KT chooses it, please send your question to ask 22 00:01:43,949 --> 00:01:49,139 Suze: Suze S U Z E podcast at gmail.com. That is 23 00:01:49,139 --> 00:01:53,379 Suze: the best way for KT to see it and also 24 00:01:53,379 --> 00:01:55,970 Suze: make sure you visit and subscribe. 25 00:01:56,230 --> 00:02:00,410 Suze: To my YouTube channel, that's Y O U T U 26 00:02:00,410 --> 00:02:05,879 Suze: B E.com/ Suze Orman S U Z E O R 27 00:02:05,879 --> 00:02:09,758 Suze: M A N. All right, are you ready to start 28 00:02:09,758 --> 00:02:15,470 Suze: Suze School? Get out your little Suze notebooks. The theme 29 00:02:15,470 --> 00:02:20,959 Suze: of today's Suze School is very simple: It's let's get 30 00:02:20,960 --> 00:02:22,399 Suze: things straight. 31 00:02:23,190 --> 00:02:26,198 Suze: All of you hear me say something on this podcast, 32 00:02:26,389 --> 00:02:30,070 Suze: and you all go bazooy and you think that because 33 00:02:30,070 --> 00:02:32,750 Suze: I didn't say this or I'm saying that you all 34 00:02:32,750 --> 00:02:35,059 Suze: seem to take it, not all but many of you 35 00:02:35,429 --> 00:02:38,309 Suze: seem to take it the wrong way. Let me give 36 00:02:38,309 --> 00:02:43,380 Suze: you an example. Last Sunday I mentioned quite a few 37 00:02:43,380 --> 00:02:47,388 Suze: stocks that I like. All right, I've been mentioning stocks 38 00:02:47,389 --> 00:02:52,160 Suze: that I like on this podcast now for almost four years. 39 00:02:53,038 --> 00:02:58,739 Suze: And therefore just because I did not mention them last Sunday, 40 00:02:58,990 --> 00:03:02,589 Suze: you think I don't like them any more and you 41 00:03:02,589 --> 00:03:06,710 Suze: couldn't be more wrong if you tried. I tell you 42 00:03:06,710 --> 00:03:09,710 Suze: when I don't like a stock. I tell you if 43 00:03:09,710 --> 00:03:12,100 Suze: I've made a mistake or I feel like I did, 44 00:03:12,279 --> 00:03:15,190 Suze: and I think you should sell. I tell you that 45 00:03:15,508 --> 00:03:19,299 Suze: if you haven't heard me say that, then chances are 46 00:03:19,300 --> 00:03:22,350 Suze: you probably shouldn't be selling it. 47 00:03:23,029 --> 00:03:27,038 Suze: So it's important that you know I still like the 48 00:03:27,038 --> 00:03:29,750 Suze: stocks that I mentioned maybe two weeks ago or three 49 00:03:29,750 --> 00:03:30,600 Suze: weeks ago. 50 00:03:31,508 --> 00:03:35,110 Suze: And just cause I didn't mention them on Sunday doesn't 51 00:03:35,110 --> 00:03:39,820 Suze: mean I don't like them. OK, that is number one. 52 00:03:40,070 --> 00:03:43,110 Suze: The next thing I want us to all get straight 53 00:03:43,110 --> 00:03:46,210 Suze: is this. A week or two ago I did a 54 00:03:46,210 --> 00:03:51,550 Suze: podcast comparing income from a treasury which is taxed to 55 00:03:51,550 --> 00:03:56,759 Suze: you as ordinary income versus a dividend paying stock. 56 00:03:57,360 --> 00:04:02,839 Suze: That has qualified dividends and a stock that has qualified 57 00:04:02,839 --> 00:04:05,740 Suze: dividends you only pay 58 00:04:06,880 --> 00:04:11,639 Suze: capital gains tax on that stock dividend. Big difference between 59 00:04:11,639 --> 00:04:15,440 Suze: ordinary income. So I did this comparison for everybody, and 60 00:04:15,440 --> 00:04:17,719 Suze: I thought, oh well, that was a nice little Suze 61 00:04:17,720 --> 00:04:21,599 Suze: School for that day. Then I started to get emails. Suze, 62 00:04:22,079 --> 00:04:26,160 Suze: what's the difference between a qualified and a non-qualified dividend? 63 00:04:26,678 --> 00:04:30,869 Suze: Well, a non-qualified dividend means you're going to pay ordinary 64 00:04:30,869 --> 00:04:35,320 Suze: income tax on it, everybody. Again, a qualified dividend, you 65 00:04:35,320 --> 00:04:39,070 Suze: are going to pay capital gains tax on it. Just 66 00:04:39,070 --> 00:04:39,988 Suze: that simple. 67 00:04:40,649 --> 00:04:42,630 Suze: Well, in the past. 68 00:04:43,459 --> 00:04:50,510 Suze: I have recommended an REIT Care Trust CTRE as well 69 00:04:50,510 --> 00:04:54,279 Suze: as Reality Income symbol O, and both of them have 70 00:04:54,279 --> 00:04:58,320 Suze: done extremely well and gave you great income. 71 00:04:59,140 --> 00:05:03,910 Suze: However, they are an REIT, and by the way, an 72 00:05:03,910 --> 00:05:06,970 Suze: REIT is a real estate investment trust. 73 00:05:08,109 --> 00:05:12,070 Suze: Now the emails are coming in and saying, Suze, why 74 00:05:12,070 --> 00:05:17,469 Suze: are my dividends for my REITs non-qualified and I have 75 00:05:17,470 --> 00:05:19,989 Suze: to pay ordinary income tax on it. 76 00:05:20,928 --> 00:05:22,640 Suze: All right, listen to me, everybody. 77 00:05:24,220 --> 00:05:32,010 Suze: Real estate investment trusts, all their dividends are non-qualified because 78 00:05:32,010 --> 00:05:38,420 Suze: of how REITs are structured and taxed, so REITs don't 79 00:05:38,420 --> 00:05:46,779 Suze: pay corporate tax. REITs are simply passed through entities and 80 00:05:46,779 --> 00:05:51,049 Suze: to maintain the status and avoid paying corporate taxes. 81 00:05:51,420 --> 00:05:55,760 Suze: They are required to distribute at least 90% of their 82 00:05:55,760 --> 00:06:02,558 Suze: taxable income to shareholders. Just that simple. Listen, their dividends 83 00:06:02,559 --> 00:06:06,799 Suze: come from rental income, right? That's what a real estate 84 00:06:06,799 --> 00:06:11,200 Suze: investment trust is. They get income from rents. 85 00:06:11,730 --> 00:06:18,959 Suze: And therefore rents are not considered qualified corporate earnings, you know, 86 00:06:19,140 --> 00:06:24,118 Suze: dividends from a regular C corp or something, those are qualified. 87 00:06:24,790 --> 00:06:30,979 Suze: But rents are not considered qualified corporate earnings, so the 88 00:06:30,980 --> 00:06:37,209 Suze: IRS doesn't treat that income as qualified dividends. Again, for 89 00:06:37,209 --> 00:06:41,579 Suze: a dividend to be qualified, it must be paid by 90 00:06:41,579 --> 00:06:46,899 Suze: a US corporation or obviously a qualified foreign company from 91 00:06:46,899 --> 00:06:50,859 Suze: after tax profits, just that simple. 92 00:06:51,369 --> 00:06:57,899 Suze: So since REITs don't pay corporate tax, the dividend doesn't 93 00:06:57,899 --> 00:06:59,299 Suze: meet the standard. 94 00:07:00,369 --> 00:07:03,209 Suze: So if you have an REIT. 95 00:07:04,480 --> 00:07:07,140 Suze: And I was going to talk about this today, but 96 00:07:07,140 --> 00:07:09,579 Suze: I may be talking now obviously about other things. 97 00:07:10,450 --> 00:07:15,890 Suze: REIT should be held if you can where in your 98 00:07:15,890 --> 00:07:20,769 Suze: retirement accounts, so whenever you have a stock that's paying 99 00:07:20,769 --> 00:07:25,850 Suze: you a high dividend or a bond or whatever and 100 00:07:25,850 --> 00:07:31,809 Suze: it's not a qualified dividend, it's non-qualified, hold them in 101 00:07:31,809 --> 00:07:37,589 Suze: your retirement accounts if you can just that simple, but 102 00:07:37,589 --> 00:07:40,130 Suze: the majority of REITs. 103 00:07:40,440 --> 00:07:46,100 Suze: Are non-qualified dividends and now hopefully you understand that. 104 00:07:46,910 --> 00:07:49,700 Suze: Now, a lot of you want to know, why do 105 00:07:49,700 --> 00:07:53,828 Suze: I still think that the stock market, especially the Standard 106 00:07:53,829 --> 00:07:55,149 Suze: and Poor's 500, 107 00:07:56,029 --> 00:07:59,230 Suze: is going to go up and up and up and 108 00:07:59,230 --> 00:08:04,429 Suze: it's a very simple answer everybody it's because we currently 109 00:08:04,429 --> 00:08:11,660 Suze: have more than we have ever had before $7.4 trillion 110 00:08:12,070 --> 00:08:21,980 Suze: sitting on the sidelines. $7.4 trillion. That is a whole 111 00:08:22,269 --> 00:08:23,470 Suze: lot of money. 112 00:08:23,950 --> 00:08:27,690 Suze: And it has been sitting there and sitting there just 113 00:08:27,690 --> 00:08:31,089 Suze: waiting for the stock market to go down so they 114 00:08:31,089 --> 00:08:34,789 Suze: can maybe go into it or we'll see what happens 115 00:08:34,789 --> 00:08:37,090 Suze: with interest rates or they've just been waiting. 116 00:08:37,940 --> 00:08:42,919 Suze: And therefore they have been watching these markets go up 117 00:08:42,919 --> 00:08:47,049 Suze: and up and up. So what will make them want 118 00:08:47,049 --> 00:08:52,689 Suze: to go into the market? Well, maybe rate cuts, maybe 119 00:08:52,690 --> 00:08:57,099 Suze: J Powell will reduce the Fed funds rate and then 120 00:08:57,099 --> 00:09:00,409 Suze: interest rates will go down, and then people will stop 121 00:09:00,409 --> 00:09:03,609 Suze: getting these higher rates that they're getting, and then they'll 122 00:09:03,609 --> 00:09:07,090 Suze: put them back in the stock market or. 123 00:09:07,849 --> 00:09:11,049 Suze: They'll continue to watch stocks like NVIDIA, 124 00:09:11,969 --> 00:09:17,320 Suze: which hit for a little bit the $4 trillion mark. 125 00:09:17,770 --> 00:09:21,799 Suze: So when I say it hit the $4 trillion mark, 126 00:09:22,109 --> 00:09:27,609 Suze: I am referring to the company's market capitalization. It's called 127 00:09:27,609 --> 00:09:30,489 Suze: the value of the stock or the market cap of 128 00:09:30,489 --> 00:09:35,799 Suze: the stock, and what this means is that you take 129 00:09:35,799 --> 00:09:39,890 Suze: the price of the stock, what it's currently trading at. 130 00:09:40,330 --> 00:09:44,229 Suze: And you times it by the total number of shares 131 00:09:44,530 --> 00:09:48,319 Suze: that are owned just that simple and that is the 132 00:09:48,320 --> 00:09:52,080 Suze: market cap so for a short period of time there. 133 00:09:53,159 --> 00:09:58,679 Suze: NVIDIA's price stock times all the number of shares out 134 00:09:58,679 --> 00:10:06,478 Suze: there added up to $4 trillion. All right, now why 135 00:10:06,479 --> 00:10:10,320 Suze: does that matter? It matters because 136 00:10:10,650 --> 00:10:15,400 Suze: investors as a whole are willing to pay that kind 137 00:10:15,400 --> 00:10:20,598 Suze: of money for the stock at these current prices, so 138 00:10:20,599 --> 00:10:25,059 Suze: really it's not overvalued when you look at it that way. 139 00:10:25,119 --> 00:10:29,419 Suze: Now remember it's not that NVIDIA has $4 trillion of 140 00:10:29,419 --> 00:10:31,719 Suze: cash in the bank, no. 141 00:10:32,250 --> 00:10:38,949 Suze: It's simply their market capitalization. So when a lot of 142 00:10:38,950 --> 00:10:43,510 Suze: these stocks keep being in the news, just regular news, everybody. 143 00:10:44,159 --> 00:10:47,098 Suze: It starts to pique people's interest. 144 00:10:48,250 --> 00:10:51,228 Suze: And before you know it they see it go higher 145 00:10:51,229 --> 00:10:53,840 Suze: and higher and that's exactly what's happening with Bitcoin, by 146 00:10:53,840 --> 00:10:57,869 Suze: the way, and then they want to start participating in it, 147 00:10:58,119 --> 00:11:01,799 Suze: you know I'm talking about this by any chance to 148 00:11:01,799 --> 00:11:04,520 Suze: all of you remember what was the first company that 149 00:11:04,520 --> 00:11:07,679 Suze: ever hit $1 trillion of market capitalization. 150 00:11:08,380 --> 00:11:09,700 Suze: Do you remember who that was? 151 00:11:10,900 --> 00:11:14,380 Suze: That was Apple Computer, believe it or not, all the 152 00:11:14,380 --> 00:11:18,710 Suze: way back August 2nd of 2018. 153 00:11:19,590 --> 00:11:26,390 Suze: Here we are seven years later and they're at $3.3 154 00:11:26,390 --> 00:11:33,030 Suze: trillion of market capitalization. What's so interesting about it is 155 00:11:33,030 --> 00:11:35,630 Suze: that all right, it took them 7 years. 156 00:11:36,390 --> 00:11:38,700 Suze: To get to 3.3 trillion. 157 00:11:40,719 --> 00:11:46,559 Suze: NVIDIA first hit 1 trillion in May of 2023. 158 00:11:47,710 --> 00:11:49,950 Suze: Two years later, essentially, 159 00:11:50,849 --> 00:11:56,319 Suze: there are 4 times that amount of money at 4 trillion. 160 00:11:58,049 --> 00:12:04,359 Suze: Stocks like NVIDIA are growing so fast it's not even funny. 161 00:12:04,570 --> 00:12:08,609 Suze: They have just trounced all the other stocks that hit 162 00:12:08,609 --> 00:12:13,450 Suze: $1 trillion and continued to grow. Like you have Amazon. 163 00:12:13,489 --> 00:12:16,419 Suze: It took them 5 years to be at $2.4 trillion 164 00:12:16,419 --> 00:12:19,690 Suze: from 1 trillion. Microsoft, it took them, I think, 6 165 00:12:19,690 --> 00:12:24,130 Suze: years to reach 3.7 trillion from a trillion. 166 00:12:25,000 --> 00:12:29,400 Suze: So you have stocks like NVIDIA, which is why we 167 00:12:29,400 --> 00:12:35,630 Suze: love NVIDIA that is growing so fast it's not even funny. 168 00:12:36,119 --> 00:12:39,640 Suze: And what's interesting is that the other day I got 169 00:12:39,640 --> 00:12:43,510 Suze: a text from Phyllis Shelton. Do you all know Phyllis? 170 00:12:43,760 --> 00:12:48,000 Suze: Phyllis Shelton is, in my opinion, the world's expert on 171 00:12:48,000 --> 00:12:49,150 Suze: long-term care. 172 00:12:49,710 --> 00:12:52,859 Suze: And she has helped so many of you, and if 173 00:12:52,859 --> 00:12:56,820 Suze: you simply go to the Women in Money app and 174 00:12:56,820 --> 00:13:00,699 Suze: look in one of those little square boxes, look for 175 00:13:00,700 --> 00:13:04,099 Suze: long term care, and you will find the information of 176 00:13:04,099 --> 00:13:08,500 Suze: how to contact her just that easy. 177 00:13:09,270 --> 00:13:13,049 Suze: But she wrote me the other day and she said, Suze, 178 00:13:13,539 --> 00:13:17,579 Suze: the fact that Microsoft is laying off so many people 179 00:13:17,580 --> 00:13:20,950 Suze: and everything like that, is that good for Microsoft or 180 00:13:20,950 --> 00:13:22,020 Suze: is that bad? 181 00:13:22,659 --> 00:13:25,569 Suze: And I wrote her back and I said to her, 182 00:13:25,690 --> 00:13:32,010 Suze: Do you know that Microsoft has reduced their expenses, so 183 00:13:32,010 --> 00:13:37,650 Suze: a true reduction by reducing their workforce, but by AI 184 00:13:37,650 --> 00:13:43,359 Suze: as well, and it has saved them $500 million. 185 00:13:44,250 --> 00:13:49,228 Suze: So it's possible that AI may also be adding to 186 00:13:49,229 --> 00:13:53,219 Suze: the bottom line of many of these companies. 187 00:13:54,140 --> 00:13:58,799 Suze: So there are companies that you want to be involved with. 188 00:13:58,880 --> 00:14:03,390 Suze: You just do on a dollar cost averaging basis. Just 189 00:14:03,390 --> 00:14:10,039 Suze: remember for August and September it's usually their worst months. OK, 190 00:14:10,280 --> 00:14:11,080 Suze: just saying. 191 00:14:11,799 --> 00:14:14,718 Suze: The next thing is you're writing me and you're saying, 192 00:14:14,849 --> 00:14:18,729 Suze: but what about the tariffs? What about them? Well, that's 193 00:14:18,729 --> 00:14:21,690 Suze: a good question, everybody. What about them? It seems like 194 00:14:21,690 --> 00:14:24,210 Suze: we're all still trying to figure out, are they going 195 00:14:24,210 --> 00:14:26,929 Suze: to cause inflation? Are they not? Are they going to 196 00:14:26,929 --> 00:14:31,729 Suze: contribute to stagflation? Are they not? Or are we getting 197 00:14:31,729 --> 00:14:35,969 Suze: so used to them being on, being off, being on, 198 00:14:36,049 --> 00:14:39,530 Suze: being off that we're really not paying attention to them 199 00:14:39,530 --> 00:14:41,200 Suze: at all anymore. 200 00:14:42,010 --> 00:14:45,880 Suze: And that OK, President Trump announces that he's going to 201 00:14:45,880 --> 00:14:50,239 Suze: slap a 35% tariff on Canada and all these things again. 202 00:14:50,440 --> 00:14:52,719 Suze: And so Friday the markets go down. 203 00:14:53,419 --> 00:14:56,169 Suze: But I'm sure in the next few days you'll be 204 00:14:56,169 --> 00:14:59,729 Suze: seeing next week the market's going right back up again 205 00:15:00,049 --> 00:15:04,250 Suze: unless he comes out with another announcement, so I would 206 00:15:04,250 --> 00:15:08,400 Suze: not be paying a lot of attention right now to that. 207 00:15:08,729 --> 00:15:11,849 Suze: I would be more paying attention to when the market 208 00:15:11,849 --> 00:15:15,250 Suze: goes down, what a great time to dollar cost average 209 00:15:15,250 --> 00:15:19,039 Suze: into many of the stocks that have been mentioned on 210 00:15:19,169 --> 00:15:22,940 Suze: the Women and Money podcast, just that simple. 211 00:15:23,599 --> 00:15:26,919 Suze: Now if you had been on the Women and Money 212 00:15:26,919 --> 00:15:32,349 Suze: community app the other day when Bitcoin was at about 108,000, 213 00:15:32,719 --> 00:15:35,799 Suze: I posted, don't be shocked to see it go straight 214 00:15:35,799 --> 00:15:40,520 Suze: through 110 all the way up to 140, could happen 215 00:15:40,520 --> 00:15:47,320 Suze: pretty quickly, and right now it's around $117,000 of bitcoin. 216 00:15:47,979 --> 00:15:52,820 Suze: Now Bitcoin may be going up again because it's coming 217 00:15:52,820 --> 00:15:56,700 Suze: more and more part of the fabric of people in 218 00:15:56,700 --> 00:15:59,340 Suze: terms of they're comfortable with it. They don't even need 219 00:15:59,340 --> 00:16:01,659 Suze: to understand it. All they need to see is it's 220 00:16:01,659 --> 00:16:05,289 Suze: going up in value. People are making money and again 221 00:16:05,289 --> 00:16:08,460 Suze: the way that I like to invest in Bitcoin is 222 00:16:08,460 --> 00:16:13,059 Suze: through an ETF IBIT. I think last week when I 223 00:16:13,059 --> 00:16:14,940 Suze: mentioned it, it was at 62. 224 00:16:15,239 --> 00:16:19,309 Suze: It's now at 67, so those are nice moves. First 225 00:16:19,309 --> 00:16:21,070 Suze: time I mentioned it to you, I think it was 226 00:16:21,070 --> 00:16:22,219 Suze: at 52. 227 00:16:22,960 --> 00:16:26,659 Suze: So again those are nice moves. Now would you make 228 00:16:26,659 --> 00:16:30,020 Suze: more money if you just did the bitcoin directly? Yeah, 229 00:16:30,099 --> 00:16:34,409 Suze: you would, but I'm not still that comfortable in doing so. 230 00:16:34,650 --> 00:16:39,109 Suze: So in my own way I just like the ETF. 231 00:16:39,820 --> 00:16:44,179 Suze: So these are things that you really need to know 232 00:16:44,179 --> 00:16:45,380 Suze: and think about. 233 00:16:46,219 --> 00:16:50,289 Suze: Next, I know everybody wants to know what stock should 234 00:16:50,289 --> 00:16:56,710 Suze: you be holding in a retirement account versus a regular 235 00:16:56,710 --> 00:17:01,729 Suze: investment account. Now it depends how much money you are 236 00:17:01,729 --> 00:17:07,689 Suze: investing because remember retirement accounts have limitations as to how 237 00:17:07,689 --> 00:17:11,448 Suze: much you can put in there, but your true stocks 238 00:17:11,449 --> 00:17:13,890 Suze: that you think you are going to hold for a 239 00:17:13,890 --> 00:17:15,129 Suze: long time. 240 00:17:16,329 --> 00:17:20,649 Suze: That will give you tremendous growth such as many of 241 00:17:20,650 --> 00:17:25,040 Suze: the AI's and the Semi stocks and things like that 242 00:17:25,040 --> 00:17:29,050 Suze: and the ETFs like SMH. If you can, I would 243 00:17:29,050 --> 00:17:30,969 Suze: put those in my retirement account. 244 00:17:31,959 --> 00:17:34,859 Suze: Because if you want to sell when they have doubled 245 00:17:34,859 --> 00:17:38,760 Suze: or tripled, you don't owe taxes on it when it's 246 00:17:38,760 --> 00:17:43,640 Suze: in an investment account, some of us get trapped because 247 00:17:43,640 --> 00:17:46,879 Suze: things have gone up so much in value. 248 00:17:47,160 --> 00:17:50,510 Suze: That you don't want to sell because if you sold 249 00:17:50,510 --> 00:17:54,589 Suze: right now you would owe too much in taxes whether 250 00:17:54,589 --> 00:17:58,469 Suze: it's ordinary income tax or a capital gains tax it 251 00:17:58,469 --> 00:18:02,389 Suze: kind of prevents you from selling when you do want 252 00:18:02,390 --> 00:18:03,109 Suze: to sell. 253 00:18:04,000 --> 00:18:11,119 Suze: REITs should be in retirement accounts if you need income, however. 254 00:18:12,109 --> 00:18:16,079 Suze: Then you have to decide because you can hold certain 255 00:18:16,079 --> 00:18:21,189 Suze: income vehicles obviously in retirement accounts like treasuries and CDs 256 00:18:21,189 --> 00:18:22,420 Suze: and things like that. 257 00:18:23,150 --> 00:18:27,449 Suze: And especially if it's in a Roth retirement account. 258 00:18:28,270 --> 00:18:31,260 Suze: Then all of a sudden you're getting that income within 259 00:18:31,260 --> 00:18:35,750 Suze: the Roth retirement account and you're not paying taxes on it. 260 00:18:36,430 --> 00:18:38,969 Suze: And when you take it out, guess what. 261 00:18:39,750 --> 00:18:42,079 Suze: In most cases, if it's been in there for the 262 00:18:42,079 --> 00:18:45,880 Suze: right amount of time, you're of age, it's all tax free. 263 00:18:46,849 --> 00:18:51,569 Suze: So a lot of those stocks and treasuries and things 264 00:18:51,569 --> 00:18:54,530 Suze: if you don't need it right away might be really 265 00:18:54,530 --> 00:19:00,290 Suze: great to just compound in retirement accounts if you can 266 00:19:00,640 --> 00:19:05,968 Suze: municipal bonds cannot be held in a retirement account, so 267 00:19:05,969 --> 00:19:09,290 Suze: that's something that would just be held where in a 268 00:19:09,290 --> 00:19:11,530 Suze: regular investment account. 269 00:19:12,109 --> 00:19:16,040 Suze: If you have dividend paying stocks that are qualified dividends 270 00:19:16,310 --> 00:19:19,750 Suze: and maybe you've maxed out your Roth retirement accounts, then 271 00:19:19,750 --> 00:19:22,020 Suze: hold them in an investment account. 272 00:19:23,640 --> 00:19:27,859 Suze: But I will always tell you if you can you 273 00:19:27,859 --> 00:19:31,939 Suze: really high velocity stocks that you expect to go fast 274 00:19:31,939 --> 00:19:36,219 Suze: and up in retirement accounts, those stocks that are more 275 00:19:36,219 --> 00:19:40,859 Suze: slow movers, index ETFs, things like that, hey, I don't 276 00:19:40,859 --> 00:19:44,300 Suze: have a problem with you keeping those where in an 277 00:19:44,300 --> 00:19:49,179 Suze: investment account. So that's just a quick synopsis for you. 278 00:19:49,719 --> 00:19:54,339 Suze: All right, that was Suze School for today. I just 279 00:19:54,339 --> 00:19:57,020 Suze: wanted to make sure before we go on to other 280 00:19:57,020 --> 00:20:01,770 Suze: topics that you get things straight right now because otherwise 281 00:20:01,770 --> 00:20:03,859 Suze: you're all confusing yourselves. 282 00:20:04,300 --> 00:20:09,379 Suze: Right, and you're making mistakes. All right, everybody. So until 283 00:20:09,380 --> 00:20:12,900 Suze: Thursday when Miss Travis joins us again, there's only one 284 00:20:12,900 --> 00:20:14,780 Suze: thing that I want you to remember when it comes 285 00:20:14,780 --> 00:20:17,979 Suze: to your money, and it is this You are to 286 00:20:17,979 --> 00:20:22,930 Suze: make your money, make more money. That is what the 287 00:20:22,930 --> 00:20:27,260 Suze: Women in Money podcast is all about. Now what am 288 00:20:27,260 --> 00:20:29,410 Suze: I going to do for the rest of this day? 289 00:20:29,699 --> 00:20:31,060 Suze: I cannot wait 290 00:20:31,500 --> 00:20:36,079 Suze: to go and watch the finals of Wimbledon. Who do 291 00:20:36,079 --> 00:20:37,229 Suze: I want to win? 292 00:20:39,030 --> 00:20:42,550 Suze: Boy, I like them both so much. They're just gonna 293 00:20:42,550 --> 00:20:45,939 Suze: have to show me who wants it more. All right, everybody, 294 00:20:46,339 --> 00:20:46,790 Suze: take care. 295 00:20:47,030 --> 00:20:47,640 Suze: Bye bye.