1 00:00:41,290 --> 00:00:46,779 Suze: November 24th, 2024. Welcome everybody to the Women and Money 2 00:00:46,790 --> 00:00:51,970 Suze: podcast as well as everybody smart enough to listen, Suze O, 3 00:00:51,979 --> 00:00:55,419 Suze: here and today is Suze School. So make sure you 4 00:00:55,430 --> 00:00:59,130 Suze: get out your notebooks along with either that or pen 5 00:00:59,139 --> 00:01:01,889 Suze: and paper, whatever it is because there are some numbers 6 00:01:01,900 --> 00:01:04,819 Suze: here that I am going to give you that you 7 00:01:04,830 --> 00:01:08,180 Suze: might just want to contemplate when I give them to you. 8 00:01:08,559 --> 00:01:10,639 Suze: What does that mean, Suze Orman? I don't know, but 9 00:01:10,650 --> 00:01:13,010 Suze: it kind of sounded good at the second. Anyway, I 10 00:01:13,019 --> 00:01:19,339 Suze: love talking to myself so much so that this morning 11 00:01:19,610 --> 00:01:22,589 Suze: when KT brought me a cup of coffee into my 12 00:01:22,599 --> 00:01:27,180 Suze: little studio, she was saying to me, what are you 13 00:01:27,190 --> 00:01:28,660 Suze: mumbling about? 14 00:01:29,860 --> 00:01:33,779 Suze: And she said, who are you talking to? And I 15 00:01:33,790 --> 00:01:39,019 Suze: said me, she said, why are you talking to yourself? 16 00:01:39,029 --> 00:01:42,279 Suze: And I said, I'm trying to figure something out, KT. 17 00:01:43,150 --> 00:01:46,940 Suze: And she said, what are you doing, Suze Orman? I said, 18 00:01:46,949 --> 00:01:52,339 Suze: I've been reading emails and so many times within an email, 19 00:01:52,919 --> 00:01:57,000 Suze: I'm finding that all of you, some of you whoever's 20 00:01:57,010 --> 00:02:02,059 Suze: writing in somewhere in that email, you use the word can't, 21 00:02:02,510 --> 00:02:06,080 Suze: I can't do this. We can't have that. We can't 22 00:02:06,089 --> 00:02:11,679 Suze: afford this. We can't, C-A-N-T, we can't. 23 00:02:13,410 --> 00:02:14,830 Suze: And she said so... 24 00:02:15,529 --> 00:02:20,229 Suze: and I said, we gotta change that. KT we've got 25 00:02:20,240 --> 00:02:25,228 Suze: to change. Can't, I can't, to: I can. And she said, 26 00:02:25,240 --> 00:02:27,850 Suze: and how do you expect to do that by talking 27 00:02:27,860 --> 00:02:31,910 Suze: to yourself? And I said, no, I want people to 28 00:02:31,919 --> 00:02:37,860 Suze: understand truthfully when they say the word can't what it means. 29 00:02:38,869 --> 00:02:41,869 Suze: What does it mean? Suze? And I said, when you 30 00:02:41,880 --> 00:02:45,910 Suze: say the word can't, cant 31 00:02:46,589 --> 00:02:52,729 Suze: that stands for creating a negative thought. Think about that 32 00:02:52,740 --> 00:02:53,649 Suze: everybody right now, 33 00:02:54,800 --> 00:02:58,779 Suze: when you say the word can't, you have created a 34 00:02:58,800 --> 00:03:00,660 Suze: negative thought. 35 00:03:01,970 --> 00:03:04,579 Suze: Then of course, in KT's way, she said, so what 36 00:03:04,589 --> 00:03:06,789 Suze: is can mean? I said, well, that's what I was 37 00:03:06,800 --> 00:03:09,630 Suze: talking to myself about. She said, OK, just tell me. 38 00:03:10,089 --> 00:03:16,070 Suze: And I said, can, can is one word that can 39 00:03:16,080 --> 00:03:20,609 Suze: cancel all negativity. And she said, well, you better open 40 00:03:20,619 --> 00:03:23,228 Suze: up your podcast with that when you still remember it. 41 00:03:23,360 --> 00:03:27,059 Suze: So here I am. But actually 42 00:03:27,889 --> 00:03:31,990 Suze: what I just did there is so important. I really 43 00:03:32,000 --> 00:03:39,210 Suze: believe that words, your thoughts, your actions, but mainly your words, 44 00:03:39,220 --> 00:03:42,110 Suze: I have to tell you that they have the power 45 00:03:42,119 --> 00:03:45,970 Suze: to create or the power to destroy. And the choice 46 00:03:45,979 --> 00:03:50,470 Suze: is up to you when you speak negative words, 47 00:03:50,820 --> 00:03:56,520 Suze: when you think negative words or thoughts that negativity is 48 00:03:56,529 --> 00:04:01,429 Suze: within you keeping you from doing that, which you wanna 49 00:04:01,440 --> 00:04:04,539 Suze: do or you're able to do but you just use 50 00:04:04,550 --> 00:04:05,960 Suze: the wrong words. 51 00:04:06,610 --> 00:04:10,619 Suze: So I'm asking all of you as we approach the 52 00:04:10,630 --> 00:04:16,849 Suze: Thanksgiving holiday on Thursday, I ask all of you every 53 00:04:16,859 --> 00:04:22,618 Suze: time you say the word can't in any sentence. Now, 54 00:04:22,630 --> 00:04:25,600 Suze: I can't come at 6:30 I can't do this. I 55 00:04:25,609 --> 00:04:26,789 Suze: can't do that. 56 00:04:28,190 --> 00:04:32,738 Suze: Creating a negative thought. You don't want negativity in you 57 00:04:32,750 --> 00:04:35,928 Suze: at this point in time or ever for that matter, 58 00:04:36,250 --> 00:04:38,089 Suze: just change it to the word can. 59 00:04:39,640 --> 00:04:45,119 Suze: Rather than saying I can't come at 6:30. Why don't 60 00:04:45,130 --> 00:04:48,739 Suze: you just say I can come at six or seven. 61 00:04:48,750 --> 00:04:50,380 Suze: Which do you prefer? 62 00:04:51,369 --> 00:04:56,428 Suze: You don't have to use the word. Can't change it 63 00:04:56,440 --> 00:05:02,559 Suze: to can in every answer and everything that you say. 64 00:05:03,529 --> 00:05:06,920 Suze: All right, thats a Suze School for today. Not just joking. Now, 65 00:05:07,670 --> 00:05:11,599 Suze: the other thing that I've noticed the word can't with 66 00:05:11,609 --> 00:05:14,089 Suze: a lot, which is really how this all came up, 67 00:05:14,589 --> 00:05:17,980 Suze: is that the people who are on Social Security because, 68 00:05:17,988 --> 00:05:20,089 Suze: you know, the Women and Money podcast has a lot 69 00:05:20,100 --> 00:05:25,109 Suze: of men and women who are on Social Security and very 70 00:05:25,119 --> 00:05:29,328 Suze: afraid that something's going to happen to Social Security, but they're 71 00:05:29,339 --> 00:05:34,329 Suze: really afraid. Not so much for them, although they're a 72 00:05:34,339 --> 00:05:36,649 Suze: little faked for them, but for their children, 73 00:05:37,549 --> 00:05:40,820 Suze: Suze, my kids aren't doing that well. My kids are 74 00:05:40,829 --> 00:05:42,769 Suze: a lot older. I have a 50 year old who 75 00:05:42,779 --> 00:05:46,190 Suze: actually still lives with me. Suze, I don't have anything 76 00:05:46,200 --> 00:05:50,260 Suze: to leave to him and all he's planning on is 77 00:05:50,269 --> 00:05:54,789 Suze: social security. Do you think it will be there when 78 00:05:54,799 --> 00:05:56,769 Suze: he becomes 67 79 00:05:57,690 --> 00:06:01,440 Suze: in 17 years from now, do you Suze? 80 00:06:02,350 --> 00:06:06,769 Suze: And the answer to that question is yes. I think 81 00:06:06,779 --> 00:06:10,640 Suze: it is going to still be here. Not just in 82 00:06:10,649 --> 00:06:17,690 Suze: another 17 years, but really for a long, long time. 83 00:06:17,850 --> 00:06:21,579 Suze: I don't want you to worry if you're currently on Social Security. 84 00:06:21,950 --> 00:06:24,709 Suze: I don't want you to worry if you're 10 years 85 00:06:24,720 --> 00:06:27,928 Suze: away from it, 20 years away from it, whatever it 86 00:06:27,940 --> 00:06:32,089 Suze: may be, Social Security in some form 87 00:06:32,488 --> 00:06:36,299 Suze: will be here. What do I mean by some form? 88 00:06:36,519 --> 00:06:41,190 Suze: It is possible that they'll figure out a new formula 89 00:06:41,200 --> 00:06:43,970 Suze: for those who are younger right now and won't start 90 00:06:43,980 --> 00:06:47,289 Suze: collecting Social Security for 20 or 30 years or whatever it 91 00:06:47,299 --> 00:06:47,980 Suze: may be 92 00:06:48,640 --> 00:06:52,630 Suze: where the benefit is figured differently. So it's not as 93 00:06:52,640 --> 00:06:56,339 Suze: high as it would have been if nothing changed. 94 00:06:57,250 --> 00:07:02,269 Suze: Is it possible that rather than collecting full Social Security at 95 00:07:02,279 --> 00:07:03,549 Suze: 67 96 00:07:04,290 --> 00:07:08,910 Suze: maybe full Social Security, the full retirement age will be 70. 97 00:07:09,820 --> 00:07:13,290 Suze: Is it possible that maybe they'll find new ways to 98 00:07:13,299 --> 00:07:16,440 Suze: invest that money and make more money so that there's 99 00:07:16,450 --> 00:07:21,519 Suze: actually enough money in Social Security and none of these things 100 00:07:21,529 --> 00:07:24,040 Suze: have to happen and it's no longer a worry, 101 00:07:25,279 --> 00:07:28,570 Suze: but no matter and I've said this before, no matter 102 00:07:28,579 --> 00:07:34,660 Suze: what happens, you always have to be prepared. 103 00:07:38,049 --> 00:07:40,709 Suze: Now, I am not here to be a fear monger 104 00:07:41,250 --> 00:07:44,869 Suze: to put down any policies or anything that's going on. 105 00:07:45,540 --> 00:07:45,980 Suze: But 106 00:07:46,709 --> 00:07:49,570 Suze: I am shocked by the fact 107 00:07:50,510 --> 00:07:54,630 Suze: that in just a month or so, it's going to 108 00:07:54,640 --> 00:08:01,929 Suze: be 2025. And the reason that that shocks me is 109 00:08:01,940 --> 00:08:07,019 Suze: I remember for the past 10 years, 20 years, even 110 00:08:07,029 --> 00:08:09,329 Suze: 30 years ago, 111 00:08:10,420 --> 00:08:18,970 Suze: it was projected that in 2035, 2033 Social Security would 112 00:08:18,980 --> 00:08:23,750 Suze: probably run out of money and all the benefits would 113 00:08:23,760 --> 00:08:26,480 Suze: have to be reduced by some percentage. 114 00:08:27,279 --> 00:08:31,570 Suze: And I remember in 2010 thinking of course, they're gonna 115 00:08:31,579 --> 00:08:37,590 Suze: solve it. Now. 2035 is just 10 years away. There 116 00:08:37,599 --> 00:08:41,939 Suze: are many people who say it will be 2033. 117 00:08:43,119 --> 00:08:46,500 Suze: So now we're talking about eight years away 118 00:08:47,280 --> 00:08:49,539 Suze: and that is nothing. 119 00:08:50,280 --> 00:08:56,090 Suze: So therefore, what do I think we should do? Seriously? 120 00:08:56,669 --> 00:09:00,590 Suze: I could only hope and pray that the administration figures 121 00:09:00,599 --> 00:09:03,950 Suze: out a way to solve this crisis. But I want 122 00:09:03,960 --> 00:09:05,780 Suze: to see if I can just make a little sense 123 00:09:05,789 --> 00:09:08,890 Suze: to you right now, not to scare you, but just 124 00:09:08,900 --> 00:09:12,739 Suze: let's look at this really realistically speaking, 125 00:09:13,559 --> 00:09:18,210 Suze: which is the reason that Social Security is having such a 126 00:09:18,219 --> 00:09:19,140 Suze: hard time 127 00:09:19,919 --> 00:09:26,130 Suze: is that we have more people receiving Social Security benefits 128 00:09:27,030 --> 00:09:32,789 Suze: than people generating the income to pay the taxes to 129 00:09:32,799 --> 00:09:35,450 Suze: pay for the Social Security benefits. 130 00:09:36,590 --> 00:09:40,909 Suze: What concerns me is artificial intelligence, everybody. 131 00:09:41,570 --> 00:09:44,150 Suze: And I talked about this before 132 00:09:44,849 --> 00:09:47,510 Suze: I said I don't think it's impossible 133 00:09:48,299 --> 00:09:54,250 Suze: that by 2030 or so we could have a really 134 00:09:54,260 --> 00:09:56,080 Suze: high unemployment rate. 135 00:09:56,830 --> 00:09:59,450 Suze: And the reason that I said that about 10 years 136 00:09:59,460 --> 00:10:04,609 Suze: ago now is that you have all of this artificial 137 00:10:04,619 --> 00:10:12,080 Suze: intelligence doing things much faster, quicker, better, really, in some 138 00:10:12,090 --> 00:10:14,799 Suze: cases than human beings. 139 00:10:15,190 --> 00:10:20,750 Suze: Machines, robots, artificial intelligence on computers, they don't get sick, 140 00:10:20,760 --> 00:10:23,809 Suze: they don't need health benefits. They don't need a whole 141 00:10:23,820 --> 00:10:26,039 Suze: lot of things. They don't need to be replaced on 142 00:10:26,049 --> 00:10:28,510 Suze: a sick day because there is no sick days. They 143 00:10:28,520 --> 00:10:31,609 Suze: don't argue about, they're not going to come into the office. 144 00:10:31,619 --> 00:10:33,200 Suze: They like working at home. 145 00:10:34,210 --> 00:10:38,349 Suze: It's a serious problem on some level. And I think 146 00:10:38,359 --> 00:10:41,390 Suze: about way back when, when I lived in San Francisco 147 00:10:41,599 --> 00:10:43,590 Suze: and I would go across the bridge 148 00:10:44,609 --> 00:10:47,329 Suze: either to the Bay area or back to San Francisco, 149 00:10:47,340 --> 00:10:50,429 Suze: whatever it was. There was a person in a toll 150 00:10:50,440 --> 00:10:54,450 Suze: booth that took your 50 cents, then tolls went up 151 00:10:54,460 --> 00:11:00,079 Suze: and they took your dollar. And now even 15 years 152 00:11:00,090 --> 00:11:04,108 Suze: ago you went through and there wasn't one person there really, 153 00:11:04,489 --> 00:11:07,700 Suze: they're all there with little things that are automated and 154 00:11:07,710 --> 00:11:10,719 Suze: everything either goes on your license plate or whatever it is. 155 00:11:11,729 --> 00:11:17,348 Suze: You can see it coming. My main concern about that, everybody, 156 00:11:17,359 --> 00:11:18,750 Suze: is this: 157 00:11:19,950 --> 00:11:23,280 Suze: If artificial intelligence and I don't know if it's going 158 00:11:23,289 --> 00:11:28,809 Suze: to or not. If artificial intelligence gets to the place 159 00:11:28,820 --> 00:11:36,210 Suze: where everything is changed, people are replaced, the workforce continues 160 00:11:36,219 --> 00:11:41,609 Suze: to decrease in size because they're just not needed anymore. 161 00:11:42,140 --> 00:11:46,369 Suze: That means less people paying into the tax system, 162 00:11:47,000 --> 00:11:50,500 Suze: which means that the Social Security Trust Fund 163 00:11:51,580 --> 00:11:53,890 Suze: doesn't even have as much money as it has to 164 00:11:53,900 --> 00:11:58,569 Suze: day coming into it. So, could that 2035 day be 165 00:11:58,580 --> 00:12:01,919 Suze: moved up? I don't know. 166 00:12:02,760 --> 00:12:08,140 Suze: But these are serious things that we need to think about. Now, 167 00:12:08,150 --> 00:12:10,979 Suze: before I did this podcast, I have to tell you honestly, 168 00:12:10,989 --> 00:12:14,900 Suze: I'm like, oh, Suze... Thanksgiving is coming up and then 169 00:12:14,909 --> 00:12:18,640 Suze: there's Christmas and Hanukkah and Kwanzaa, all these holidays. You 170 00:12:18,650 --> 00:12:19,978 Suze: don't want to be a downer. 171 00:12:21,070 --> 00:12:24,380 Suze: And then I thought I'm not being a downer. This 172 00:12:24,390 --> 00:12:26,569 Suze: is also when KT kind of came in, right? I'm 173 00:12:26,580 --> 00:12:29,210 Suze: not being a downer. I'm being realistic 174 00:12:29,979 --> 00:12:35,000 Suze: and I always think you have to have a plan. 175 00:12:35,369 --> 00:12:39,319 Suze: I think it's important that all of us start to 176 00:12:39,330 --> 00:12:42,468 Suze: count on ourselves. 177 00:12:44,080 --> 00:12:46,739 Suze: If you're figuring out your future 178 00:12:47,450 --> 00:12:51,750 Suze: and part of your future retirement plan is I'm going 179 00:12:51,760 --> 00:12:55,770 Suze: to get this much money in social security. My spouse 180 00:12:55,780 --> 00:12:58,840 Suze: is going to get this much money in social security 181 00:12:58,880 --> 00:13:02,619 Suze: and that is part of your retirement formula. 182 00:13:04,219 --> 00:13:07,280 Suze: I would like you to see if you can make 183 00:13:07,289 --> 00:13:09,150 Suze: it work for yourself 184 00:13:10,150 --> 00:13:16,419 Suze: without including Social Security now. Fine. Maybe that's too drastic for you. 185 00:13:16,429 --> 00:13:18,419 Suze: But I sure would like to see if you could 186 00:13:18,429 --> 00:13:21,630 Suze: do that. If you feel like, no, I don't wanna 187 00:13:21,640 --> 00:13:24,799 Suze: do that, then I would suggest to you 188 00:13:25,570 --> 00:13:29,380 Suze: that whatever your Social Security benefit is going to be 189 00:13:30,440 --> 00:13:35,659 Suze: according to projections, reduce it by half. Just see if 190 00:13:35,669 --> 00:13:39,849 Suze: you can make your life work with a reduction of 191 00:13:39,859 --> 00:13:47,000 Suze: Social Security when planning your retirement future and income. That's number one. 192 00:13:47,250 --> 00:13:54,699 Suze: Number two, recently, there's been some important changes for 2025 193 00:13:55,260 --> 00:13:59,890 Suze: that are coming to 401k plans that will affect part 194 00:13:59,919 --> 00:14:07,109 Suze: time workers. Specifically, part time employees will need to work 195 00:14:07,119 --> 00:14:14,260 Suze: at least 500 hours per year for two consecutive years 196 00:14:14,799 --> 00:14:19,960 Suze: to become eligible for the 401k plan or 403 B 197 00:14:19,969 --> 00:14:22,419 Suze: or TSP whatever it may be. 198 00:14:22,830 --> 00:14:25,690 Suze: So, lets say you don't have a career right now 199 00:14:26,849 --> 00:14:29,320 Suze: and you only do part time work because you maybe 200 00:14:29,330 --> 00:14:31,270 Suze: have to stay at home and take care of the 201 00:14:31,280 --> 00:14:35,080 Suze: kids or whatever. Please remember what I just said to 202 00:14:35,090 --> 00:14:35,510 Suze: you 203 00:14:36,280 --> 00:14:41,099 Suze: because a 401k especially a Roth 401k is going to 204 00:14:41,109 --> 00:14:44,880 Suze: be essential the same way a Roth IRA is going 205 00:14:44,890 --> 00:14:46,409 Suze: to be essential 206 00:14:47,099 --> 00:14:52,109 Suze: to be able to supplement your income as you get older, 207 00:14:52,119 --> 00:14:58,919 Suze: especially if something happens to social security. What if you 208 00:14:58,929 --> 00:15:03,109 Suze: want to start saving more and more for retirement? I 209 00:15:03,119 --> 00:15:06,789 Suze: just scared you, you decided after this podcast, you're gonna 210 00:15:06,799 --> 00:15:10,849 Suze: make saving money your number one priority and you need 211 00:15:10,859 --> 00:15:15,950 Suze: to know that for 2025 the contribution limits have absolutely 212 00:15:15,960 --> 00:15:16,859 Suze: gone up. 213 00:15:17,260 --> 00:15:21,409 Suze: So write these down for a 401k or 403 B 214 00:15:21,419 --> 00:15:25,760 Suze: or 457 plan. You can now for a standard contribution, 215 00:15:25,770 --> 00:15:32,520 Suze: individual contribute up to $23,500 you can do that. 216 00:15:33,260 --> 00:15:37,119 Suze: The catch-up contribution, you know, when you're 50 or over, 217 00:15:37,130 --> 00:15:40,299 Suze: they allow you to put in money that's gonna stay 218 00:15:40,309 --> 00:15:46,719 Suze: at $7500. It is unchanged from 2024. All right. However, 219 00:15:46,729 --> 00:15:52,080 Suze: listen closely, there is a new catch-up contribution limit now, 220 00:15:52,219 --> 00:15:58,590 Suze: for those people who are only age 60 to 63 221 00:15:59,469 --> 00:16:10,250 Suze: only 60 to 63 that, that catch-up amount is now $11,250. 222 00:16:10,260 --> 00:16:14,090 Suze: Big difference. So the truth of the matter is that 223 00:16:14,099 --> 00:16:17,580 Suze: your total contribution limit now between the employee, the employer 224 00:16:17,590 --> 00:16:20,609 Suze: and everything is up to 70 thou. It's a lot. 225 00:16:21,479 --> 00:16:24,599 Suze: So just know that because there's a lot of you 226 00:16:24,609 --> 00:16:29,539 Suze: between the ages of 60, 63 that work for an 227 00:16:29,549 --> 00:16:30,419 Suze: employer 228 00:16:31,299 --> 00:16:34,960 Suze: and you should take advantage of it, especially if you're 229 00:16:34,969 --> 00:16:40,400 Suze: in a Roth 401k 403 B or 457 plan. 230 00:16:41,309 --> 00:16:47,200 Suze: Do you hear me? Let's talk about IRA contributions that 231 00:16:47,210 --> 00:16:51,510 Suze: includes whether it's a Roth IRA or a traditional pre-taxed, IRA. 232 00:16:52,169 --> 00:16:55,969 Suze: The standard contribution for 2025 it's gonna be the same 233 00:16:55,979 --> 00:16:59,130 Suze: as it was in 2024 $7000 a year. 234 00:16:59,700 --> 00:17:05,530 Suze: The catch-up contribution limit for age 50 over is still $1000. 235 00:17:05,699 --> 00:17:11,719 Suze: So that's unchanged from 2024. What is changed is the 236 00:17:11,729 --> 00:17:16,560 Suze: M A G I limits to qualify for a contributory 237 00:17:16,569 --> 00:17:22,839 Suze: Roth IRA. So the Roth IRA phase out range for 238 00:17:22,849 --> 00:17:26,920 Suze: a single person is now 100 and 50,000 239 00:17:27,160 --> 00:17:32,605 Suze: M A G I to 165,000 M A G I - 240 00:17:32,605 --> 00:17:37,260 Suze: modified adjusted gross income. That's a nice five or $6000 241 00:17:37,270 --> 00:17:44,599 Suze: raise there. And for married, filing jointly, it's $236,000 phases 242 00:17:44,609 --> 00:17:50,739 Suze: out after 246,000. So that's great. Now, I know these 243 00:17:50,750 --> 00:17:53,060 Suze: numbers probably have just driven you crazy. 244 00:17:53,689 --> 00:17:56,979 Suze: But there's a point to why I'm doing this number one, 245 00:17:57,079 --> 00:17:59,930 Suze: this allows you and do you see the trend that's 246 00:17:59,939 --> 00:18:03,939 Suze: happening here? The trend that's happening here is that they're 247 00:18:03,949 --> 00:18:08,069 Suze: increasing these amounts because they want you to save more 248 00:18:08,079 --> 00:18:11,760 Suze: and more. They want you to save more and more 249 00:18:11,770 --> 00:18:15,229 Suze: so that you're able to take care of yourselves 250 00:18:16,180 --> 00:18:20,939 Suze: really? And don't you want that for yourself? Everything that 251 00:18:20,949 --> 00:18:24,050 Suze: I said to you today was not to scare you, 252 00:18:24,819 --> 00:18:29,280 Suze: but it was to propel you into action, to propel 253 00:18:29,290 --> 00:18:31,958 Suze: you into saying I can do this 254 00:18:32,729 --> 00:18:36,239 Suze: to propel you to stop thinking that you can't 255 00:18:37,290 --> 00:18:42,819 Suze: and to really know that your future security is in 256 00:18:42,880 --> 00:18:44,650 Suze: your hands. 257 00:18:45,540 --> 00:18:49,380 Suze: So until Thursday, aren't you glad you turned into this one? 258 00:18:49,390 --> 00:18:55,319 Suze: Everybody anyway, until Thursday, when Miss Travis and I will 259 00:18:55,329 --> 00:18:59,079 Suze: be here for our Thanksgiving podcast. 260 00:19:00,430 --> 00:19:04,050 Suze: If you can just remember people first. And when I 261 00:19:04,060 --> 00:19:07,560 Suze: say people, I mean, you, I don't mean other people 262 00:19:07,569 --> 00:19:13,349 Suze: I mean, you people first then money, then things and 263 00:19:13,359 --> 00:19:17,150 Suze: if you could do it in that priority, I promise 264 00:19:17,160 --> 00:19:22,250 Suze: you you can be unstoppable.