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Suze: January 1st 2023 sounds so strange to say that.

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Suze: 2023 kind of like "2023 the year for you and me"

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Suze: and I hope that is true. I hope you spend

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Suze: this year with me all year to learn that which

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Suze: you need to know about money and who you are

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Suze: when it comes to life.

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Suze: Your life both inwardly and outwardly. So I want to

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Suze: start today rather than having a Suze School because today's

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Suze: podcast really was going to be all about the new

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Suze: retirement laws and financial laws that President Biden signed into

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Suze: place last year.

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Suze: The new age for required minimum distributions. The more money

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Suze: that you can put into what? Into retirement accounts. The

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Suze: reduction of the 50% tax penalty. If you don't take

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Suze: out enough RMDs, required minimum distributions. I was going to give

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Suze: you all of those changes, but today is New Year's

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Suze: Day

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Suze: and I decided, you know, all of that can wait

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Suze: until next Sunday. That now gives you a preview of

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Suze: what's coming up. But to start the new year

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Suze: out right,

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Suze: I want to start with a Suze story

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Suze: and the Suze story is all about all of us

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Suze: looking for a sign,

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Suze: a sign that says everything's gonna be okay, you're gonna

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Suze: be protected.

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Suze: Everything is going to work out the way that you

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Suze: really want it to.

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Suze: And there are signs around us all the time

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Suze: and I just think all of us are so busy

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Suze: doing this and doing that. We miss the signs that

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Suze: are presented to us.

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Suze: And for me, another sign just happened the other day.

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Suze: And maybe you remember me telling you, if I even did,

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Suze: a story about a year ago, I was sitting in

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Suze: the loggia

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Suze: of our home in the Bahamas and I was simply

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Suze: sitting there looking out

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Suze: at the ocean and the sand and how beautiful everything

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Suze: was around me gorgeous home, incredible relationship as you all know,

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Suze: I have with KT,

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Suze: everything in my life that I've been blessed with.

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Suze: But yet

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Suze: I really wasn't feeling happy.

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Suze: I didn't know, would I ever really be able to

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Suze: live the life that I used to live. The life

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Suze: of walking on the beach. The life of being able

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Suze: to fish and hold a fishing rod. The life that

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Suze: I loved so much. Would I ever experience a day

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Suze: without pain?

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Suze: And when I say pain, I don't mean a little pain.

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Suze: I mean a lot of pain. Would that ever be

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Suze: there for me again?

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Suze: And as I was thinking that, all of a sudden

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Suze: this huge bird landed just a few feet from me.

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Suze: And I'm like, what is that? And when I say huge,

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Suze: I am not exaggerating everybody. It was at least three

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Suze: ft tall. It was at least a foot or two wide.

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Suze: It was huge and it just landed there... long legs.

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Suze: It was gray and it was blue and I was like,

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Suze: what was that?

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Suze: So now I start looking up birds and I think

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Suze: I've identified it correctly as a blue heron.

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Suze: I still don't know if that's actually what it was,

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Suze: but that's what I came to identify it by.

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Suze: And then I would show other people the pictures of

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Suze: it and they would say, oh Suze, that is a

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Suze: blue heron.

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Suze: And it stayed there for... I want to say through

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Suze: New Year's Day through, through a few days after that.

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Suze: And then eventually about a week later

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Suze: it left it just stayed there. It let me get

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Suze: maybe a foot from it. If I got too close

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Suze: it would move and fly up to our fence. But

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Suze: it did not leave this property for quite a few days.

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Suze: And when I looked up the meaning of a blue heron,

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Suze: this is exactly what it said:

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Suze: in many cultures, blue herons are considered symbols of strength,

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Suze: grace and patience. They are often associated with water and

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Suze: the natural world and are often depicted in art, literature

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Suze: and folklore as symbols of wisdom, solitude and the passage

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Suze: of time.

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Suze: In the Native American cultures, blue herons are seen as

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Suze: spiritual guides and are believed to have the power to

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Suze: bring good fortune and protection.

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Suze: And I loved that

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Suze: and I thought oh Suze, you just need more patience.

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Suze: You just need more patience. And with the passage of

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Suze: time things will get better for you. So that blue

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Suze: heron became a sign

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Suze: of two blessings, a sign that God sent to me

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Suze: and people I believe in God so much, I can't

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Suze: even tell you I have such faith

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Suze: that it really is what sustains me more than anything

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Suze: else in life. So at that moment I really believe

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Suze: that this was something that God sent to me

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Suze: to help me understand everything will get better. But what

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Suze: I'm going through at that moment I needed to learn

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Suze: from

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Suze: And then as the year went on as many of

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Suze: you know,

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Suze: I got better and then I got worse and then

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Suze: I got better and then recently, recently for the first

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Suze: time in two and half years and I posted for all of

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Suze: you a picture of this.

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Suze: I was able to take a walk in the sand

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Suze: on the beach.

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Suze: And what was fascinating about that is it was actually

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Suze: easier for me to walk in deep sand than on

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Suze: the hard sand because the hard sand made it so

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Suze: that my nerves, you know, were affected because sometimes my

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Suze: left side, which is what was affected by the operation

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Suze: I had,

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Suze: that it went from my arm all the way down

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Suze: my left leg and sometimes my left foot just goes

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Suze: numb and tingles. So walking on the hard cement or

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Suze: hard sand was never comfortable for me.

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Suze: But walking in deep sand where it's really hard to walk.

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Suze: For some reason I was able to do that

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Suze: And that brought such joy to me and the desire

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Suze: to once again want to walk and it brought even

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Suze: more joy to KT because KT walks at least 20,000

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Suze: steps a day. She swims at least 25 laps, which

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Suze: is 50 lengths a day of our pool that is

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Suze: 70 ft long.

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Suze: KT gets up in the morning as you know, and

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Suze: she's dancing and she's gardening and she's all over the

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Suze: place and she loves life. But what she misses is

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Suze: that I used to do all of that with her

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Suze: and now I don't.

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Suze: And for years before we even lived here, we live

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Suze: in a condo in Florida. We would take a walk

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Suze: every day on the beach, we would walk three miles

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Suze: a day on the beach and then we started to

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Suze: walk in parks and we would walk at least five

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Suze: miles a day.

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Suze: And that is what prepared us by the way to

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Suze: walk the Camino in Spain and if any of you

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Suze: have never done that and you want a true experience,

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Suze: look up Marly Camino and sign up and do that.

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Suze: And that was like 100 kilometer walk that ends in

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Suze: Santiago in this church that it was just the most

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Suze: incredible experience of our life

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Suze: and I was able to do that with her and

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Suze: we always said we have to go back and do

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Suze: it again.

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Suze: But I never thought that I would be able to.

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Suze: So here we are

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Suze: in 2023,

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Suze: and just the other day,

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Suze: guess what happened again?

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Suze: KT came running in the house and she said Suze, Suze,

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Suze: you have to come out and see Malte is back

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Suze: and Malte was the name that we gave the hearing

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Suze: when the hearing was here

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Suze: and send Malte's back. I said what are you talking about?

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Suze: She said come look and there was Malte once again

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Suze: and I came out and she let me get pretty

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Suze: close to her and she just turned around and stared

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Suze: at me and kept staring and she's still out there

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Suze: right now as I'm recording this.

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Suze: and once again there is the sign

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Suze: that

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Suze: Malte is there to bring good fortune and protection to me.

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Suze: And obviously KT as well.

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Suze: So then I started to think

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Suze: what signs are there in your life?

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Suze: What signs that maybe when you're feeling lonely or you're

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Suze: feeling miserable or you're feeling like you're in a relationship

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Suze: and you need to get out of it and you

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Suze: don't quite know how, what signs are you missing

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Suze: That I would just like all of you

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Suze: every single day

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Suze: to think about. You know a long time ago I

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Suze: learned from a fabulous teacher. There's one thing in life

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Suze: that's known as the great destructor of all. It will

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Suze: destroy everything

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Suze: and that great destructor of all is known as time

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Suze: and that there is only one way to conquer time

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Suze: and that is through love.

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Suze: So it is really important

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Suze: that every moment that we spend now, every moment starting

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Suze: right here today, the day of New Year's.

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Suze: That every moment we spend, we love it. And if

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Suze: we're not loving it, that also is your sign, that

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Suze: is your sign that you need to change whatever it

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Suze: is that you are doing

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Suze: and change it and do something that you love because

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Suze: when you do something that you don't love, it destroys you,

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Suze: it destroys you inside, it destroys your spirit, it destroys

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Suze: your ability to be able to be strong that day

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Suze: and do what you need to do, which is to

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Suze: be happy and reside in love.

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Suze: But you have the ability to change that

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Suze: by doing something that you love. Now I know a

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Suze: lot of you are going to say, but Suze, I'm

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Suze: stuck in a job that I don't love. I'm stuck

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Suze: in a relationship because I don't have the money to

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Suze: get out. So I can't change it. Oh yes, you can,

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Suze: yes, you can. How many abused women survivors now finally

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Suze: gathered their courage and they left and whether they left

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Suze: and they ended up, you know, in a women's shelter

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Suze: or wherever it was, they changed it.

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Suze: So I'm asking you to just remember what I've just

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Suze: said right here and right now

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Suze: recently,

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Suze: KT and I decided

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Suze: that we were going to start every single day saying

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Suze: the following: today, wherever I go, I will create a peaceful,

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Suze: joyful and loving world. In fact, if you go on

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Suze: the women and money app, you'll see, I made a

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Suze: video saying that

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Suze: and since we've been saying that

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Suze: before we even get out of bed,

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Suze: I can't tell you how that has changed me.

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Suze: Actually I can,

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Suze: there are a few people in my life that I've

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Suze: been really, really angry with

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Suze: and I've been angry with them. And you know, I

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Suze: tell you anger is the main internal obstacle to wealth,

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Suze: but I've been angry at them. I haven't wanted to

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Suze: have anything to do with them.

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Suze: And they have been reaching out to me and reaching

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Suze: out to me and reaching out to me and saying,

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Suze: can I call you, can I facetime you? And I

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Suze: haven't been answering,

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Suze: I just haven't answered.

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Suze: And after I started to say, "today, wherever I go,

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Suze: I will create a peaceful, joyful and loving world."

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Suze: When they asked me could they call me? I said yes,

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Suze: when they asked me if they could face time with me,

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Suze: I said yes.

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Suze: And what's fascinating is they never did, but at least

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Suze: I said yes, because I didn't want to create anything

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Suze: other than peace and joy and love in this world

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Suze: and I can't tell you how empowered that made me

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Suze: feel

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Suze: Me feel.

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Suze: So I made a decision here for this podcast

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Suze: and you know how we've entered every single one of

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Suze: these podcasts for the last year or two with, "And

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Suze: there's only one thing that I want you to remember

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Suze: when it comes to your money and that is for

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Suze: you to be smart, strong insecure. Now you stay safe."

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Suze: I think you get that at this point in time,

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Suze: as you've been on this journey with me.

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Suze: So I am now going to end this podcast for

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Suze: this year

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Suze: in a very different way. A way that encompasses both the

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Suze: people listening and myself as well. Because I do see

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Suze: us as a community. I see us as a community

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Suze: that supports each other. I see it on the women

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Suze: and money app when you're answering each other

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Suze: and I feel it when I answer you directly, whether

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Suze: it's by email or a phone call. So I don't

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Suze: view this as an I, I view all of us

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Suze: as a "we."

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Suze: So

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Suze: the new ending for the podcast is this and there's

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Suze: only one thing that I want you to remember in

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Suze: life and it's this

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Suze: today, wherever we go, we will create a peaceful, joyful

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Suze: and loving world. Now you stay safe.