Suze: February 20th, 2025. Welcome everybody to the Women and Money
Suze: podcast and everybody smart enough to listen. Today is blinking KT.
KT: Stop wait when you say blinking KT that sounds like,
KT: you know, um, you're, you're beeping or blinking me out
KT: as a swear word or something.
KT: Doesn't it?
Suze: No...
KT: It means that you're bleeping, bleeping, bleeping me.
Suze: I'm not bleeping you. I'm blinking you. today, wait, but
Suze: blinking KT and Suze anything show, which means if you
Suze: have a question and you want to write in and
Suze: if KT chooses it, it will be on the podcast
Suze: write ask Suze SUZE podcast at gmail.com.
Suze: And there you go. All right, what is it that
Suze: you want to say?
KT: Congratulations, Suze. I want to congratulate you.
Suze: On what KT?
KT: On your last New York Times bestseller is now out
KT: in paperback, the retirement guide for 50 plus.
KT: Plus for everybody, not just women and money for everybody.
Suze: It came out on February 18th, right? That was two
Suze: days ago.
KT: Yeah, good, good, good job, Suze. Wait, it's completely updated.
KT: I mean, it's a really great, it's a nice size
KT: book too. It's easy to carry around.
KT: I like it. It's pretty.
Suze: Well, if KT likes it, that's a good enough reason
Suze: why you should all go out and get it. But truthfully, everybody,
Suze: we did redo the book and we did do all
Suze: the updates because there were so many.
KT: So many, it's like a new book.
Suze: Venture into it once again the ultimate retirement guide for 50 plus.
KT: And if you're under 50, get it now so you
KT: know everything by the time you're 50. And if you're
KT: over 50, it's never too late.
Suze: But it's 50 plus 50, 60, 70. This is gonna
Suze: be one of those podcasts. Shake your head, shake your head.
KT: I'm blinking and shaking at the same time, everybody. This
KT: is from Lydia. Hi, Suze and KT. Up to a
KT: few months ago, I was totally oblivious to my financial status.
KT: You're not alone.
KT: Although my husband asked me numerous times to get involved
KT: in our finances, my mantra was, as long as our
KT: bills are paid, I'm good. This changed when my husband
KT: came across your podcast and suggested I listen to a
KT: few episodes. At 61 years old, I was drawn in
KT: and I got hooked. See, Suze, they get hooked on you,
KT: or do they get hooked on me?
Suze: Can you just read?
KT: In just a few months I became so much smarter
KT: when it came to our finances. I now ask questions
KT: about everything why we open certain accounts, what are the
KT: IDs and passwords, how are we funding the accounts? This
KT: also
KT: included speaking up when I didn't agree with the decision.
KT: In addition, I started sharing your wisdom with my daughter-in-law
KT: after hearing you say on one of your podcasts, who
KT: is teaching our young women to be smart with money?
KT: Thank you both for unleashing the beast within me so
KT: that I can be that financially savvy woman I was
KT: meant to be. That's from Lydia. Isn't that great? So
KT: she doesn't have a question. I just had to share
KT: that with everyone.
Suze: But Lydia, I just want to say this to you
Suze: and everybody listening,
Suze: which is this, what is it when you finally turn
Suze: that switch on? What happens because so many of you
Suze: seriously are still like, I don't want to go there.
Suze: I don't want to do it. I don't need to know.
Suze: I don't... and so it be so fascinating to be
Suze: able to harness the answer to that question. What triggered
Suze: you to want to be involved?
Suze: With your true financial life support system known as money.
Suze: Next question, KT.
KT: OK, this is from Joanna. Joanna said, Hi, Suze and KT.
KT: I love listening to you both each week, and now
KT: that I'm 62 and reorganizing my funds, I need to
KT: ask a question.
KT: If I invest in a dividend ETF when the stocks
KT: within that ETF issue quarterly dividends, will I get some
KT: of that money, or will it just go into the
KT: ETF itself as a gain? Would I be better off
KT: buying individual stocks where I get paid their dividends directly?
KT: Please educate me
KT: as to how the disbursements work. Great question, Suze.
Suze: So Joanna, here's what you need to know. First of all,
Suze: when you have an ETF or any dividend paying stock,
Suze: even if it's an individual stock, you get to choose,
Suze: do you want to reinvest the dividend so it buys
Suze: more shares, or do
Suze: you want the dividend passed out to you, distributed to
Suze: you for income. Either way you're going to pay tax
Suze: on it, but you get to choose one way or
Suze: the other. So it's not like the ETF automatically does that.
Suze: You get to choose. Now let's just quickly look at
Suze: the advantages and disadvantages. For an ETF,
Suze: the truth of the matter is you're doing it very passively.
Suze: They're choosing all the stocks. They're doing everything for you,
Suze: so you have less risk with that. And if one
Suze: of the companies in the ETF happens to reduce or
Suze: cut its dividend, that's not that big of a deal
Suze: because of how many stocks you probably own.
Suze: The disadvantage is that you will get a slightly lower
Suze: yield because all ETFs have an expense ratio. Individual stocks,
Suze: on the other hand, you get to directly control which
Suze: companies you want. They pay you directly. However, there is
Suze: a higher risk because if one company reduces or eliminates
Suze: its dividend.
Suze: You're kind of stuck with that one stock. So if
Suze: you want passive income and less risk, do the ETF.
Suze: If you enjoy researching companies and managing stocks, do individual stocks.
Suze: It's just that simple or do a combination of them both.
Suze: All right, KT.
KT: Next question, Suze is from Jackie. I purchased the must
KT: have documents some years ago after seeing you, Suze on PBS.
KT: Great show. I have yet to use them because I
KT: was scared. I am no longer scared.
KT: I live in Southern California and after the fires I
KT: decided I must get my affairs in order. So that's it.
KT: I'm doing it. Suze, can I still use the documents
KT: and the code? Is it still valid? As always, thank
KT: you for your honest financial guidance.
Suze: Yeah, let me tell you all something about the must-have documents.
Suze: I don't care if you bought them in the year 2000, 2005, 2010, 2015, 2020,
Suze: or this year.
Suze: The purpose of those documents is for you to protect yourself,
Suze: and if you bought them and you haven't used them,
Suze: of course it's still valid, but the good news for you, Jackie,
Suze: is that truthfully when you go on, it will say
Suze: update and it will update it to the current ones
Suze: that are brand new and out this year.
Suze: So it's just that simple, and if you lost your
Suze: code or whatever, just call the helpline, and they will
Suze: help you. So unlike any other program out there that
Suze: every time there is an update, buy it again, buy
Suze: it again, buy it again.
Suze: It was done so that you only needed to buy
Suze: it once and you never need to buy it again. Therefore,
Suze: if you don't have it yet,
Suze: go to musthadocs.com and you can get a will, a
Suze: living revocable trust, an advanced directive, and durable power of
Suze: attorney for health care, as well as a financial power
Suze: of attorney, all for $99. $2500 worth of state of
Suze: the art documents. Are you kidding me? All right, KT.
KT: All right, this next question is from Colleen.
KT: And Colleen, I first want to say that we, we
KT: send our condolences, she said, Suze, my husband passed away
KT: very unexpectedly recently. We have 3 young children. My husband
KT: had life insurance, and after his passing, I invested the
KT: majority of the payout with a financial advisor at Edward Jones.
KT: A family referral. As I had little investment knowledge for
KT: all of you listening, I'm gonna give you a real
KT: quick summary. $150,000 is in an advisory account, a million
KT: dollars in a money market. She maxes out her 401k
KT: contributions every year, and she has a
KT: small Fidelity advisory account less than 10,000 that she's kept
KT: to learn how to invest independently. Suze, I've been dedicating
KT: a little time to learning about investments by listening to
KT: your podcast, and I want to make informed decisions about
KT: my financial future. The question is, should I keep my
KT: investments with a financial advisor or invest independently?
KT: And then I read on and, and she said, Colleen
KT: said she's still in deep grief about losing her husband,
KT: and she's worried about that if she does this she'll
KT: be doing maybe the wrong thing. Yeah, she's also taking
KT: care of three young children, so very difficult.
Suze: So Colleen, my love, first of all, as KT said,
Suze: our love does go out to you, but I've always
Suze: had a rule of thumb.
Suze: That you are to do nothing with money other than
Suze: keeping it safe and sound for at least 1 to
Suze: 2 years or longer after suffering the loss of a
Suze: loved one. You are a little bit over 1 year
Suze: of suffering that loss, but you are still in deep
Suze: grief about losing your husband.
Suze: Therefore you should not do anything with that money, and
Suze: I mean anything. Maybe if you wanted to get out
Suze: a credit card debt or pay off a mortgage or
Suze: something like that, OK, but I would not be investing
Suze: any of it right now.
Suze: Until you no longer feel that you're in deep grief,
Suze: so all right, you have a million dollars in a
Suze: money market account. OK. You have $150,000 in an advisory account.
Suze: If the financial advisor happens to call you and say
Suze: to you, Hey, you know what, there's a good thing
Suze: you should do with money. Let's take some of that
Suze: million dollars and do it. You are to say no.
Suze: Absolutely not. You still want to play with the $10,000
Suze: that you have in your Fidelity account. OK, I don't
Suze: have a problem with that, but the goal of money
Suze: is for you to be secure. And the mere fact
Suze: that you wrote me this question, how many times have
Suze: I said to all of you, you don't ask me
Suze: a question like this without already knowing the answer.
Suze: So there's something about this that makes you feel uncomfortable
Suze: maybe with the brokerage firm maybe whatever I don't know,
Suze: but I would not be investing any other money at
Suze: all until you are no longer in deep grief. You
Suze: are even no longer in shallow grief.
Suze: But that you're feeling more in touch with who you
Suze: will need to become. All right, KT.
KT: That's nice. So this next question is from Michelle. I
KT: know that under the Secure Act 2.0, SEP Roth
KT: IRAs are allowed. However, none of the major brokerage firms
KT: Vanguard Schwab, Fidelity offer SEP Roth IRA accounts. Suze, do
KT: you know of any reputable firms that are offering it yet?
KT: I'd like to know that.
Suze: So don't ask me why that we're a year and
Suze: a half almost into when this was passed.
Suze: And these brokerage firms still don't want to offer them.
Suze: I can't understand why that is. So there are some
Suze: firms that are offering them, but they're not big named firms,
Suze: so I would be hesitant to recommend them to you.
Suze: But all of you should start complaining to Vanguard, Schwab, Fidelity,
Suze: all of them, and say, what the
Suze: heck is a matter with you. It's legal. You should
Suze: be offering them. Why aren't you? I've tried and I
Suze: can't get an answer from them, so maybe in mass,
Suze: if you were all to write them, maybe we can
Suze: change it because there is no reason in the world
Suze: that they're not offering them. But sorry about that. So aggravating, KT.
KT: I think I know the answer why they're not. They
KT: didn't do it yet.
KT: It takes they're like slowpokes. It takes a long time
KT: for them to change the system, the literature, the computer.
Suze: Don't aggravate me. It's almost, it's a year and a half now.
KT: They should have done it.
Suze: They have at least IRAs. It is not a big
Suze: deal to switch it to a RothA IRA. Do not
Suze: give them excuses.
KT: OK.
Suze: They're all just not wanting to do it.
KT: All wise Suze and KT, I'm hoping you can provide
KT: some guidance. I love this.. it's from Mister T. Mister
KT: T in Virginia.
KT: I love this um question.
Suze: What did Mr. T... whenever whenever a man starts with
Suze: a kind of a wise thing, it's because he's done
Suze: something that he knows I'm going to yell at him about.
Suze: What did he do?
KT: 20 years ago I was sold a variable adjusted life
KT: insurance product. I know I knew that when it's all wise,
KT: it's like I knew Mr. T.
KT: Luckily it was a relatively small policy for $300,000. I
KT: don't think that's small.
Suze: That's a death benefit. That's not a big deal.
KT: Yeah, but still I and cost around $80 a month.
Suze: That's a big deal.
KT: That is. I now know this was a bad choice. Wait, Mr. T,
KT: put that in bold, all caps.
KT: The surrender value is nearly 15,000 and the cost basis
KT: is around 19. Is it best to move this to
KT: my primary financial institution, which is Fidelity, as a variable
KT: annuity until I recover the loss or some alternative? Upon
KT: recovering the $4000 loss, what is the next best step?
KT: Please show some pity on this fool, sincerely, Mister T.
Suze: Oh my dear fool, Mr. T...
Suze: You're not a fool.
KT: You're not a fool. You're brave. You're brave to, you're
KT: brave to give Miss. Orman an insurance question.
Suze: So here's what I would do really if I were you.
Suze: There's no reason for you to keep it in this
Suze: policy anymore because there are fees in this policy. It
Suze: just doesn't make sense. Never did, never will. Therefore,
Suze: You cannot take the $4000 loss off your taxes. Fine,
Suze: no problem, but if I were you, I would surrender
Suze: it now. Get $15,000 will not be taxable to you
Suze: because you didn't make money.
Suze: And take that $15,000 and then take it to your
Suze: primary financial institution Fidelity and just start investing it on
Suze: a value cost averaging basis or dollar cost averaging basis
Suze: in either ETFs and or individual stocks and just make
Suze: it up that way. Remember,
Suze: in an annuity in this life insurance product when you
Suze: were going to take money out, chances are you'd have
Suze: to pay ordinary income taxes on it.
Suze: So you would have lost the gain possibly if it
Suze: went above what you put in in taxes anyway when
Suze: you are going to invest it now and put it
Suze: in ETFs and stocks while they're in there, you're not
Suze: going to be paying any taxes, it's tax deferred and
Suze: if you eventually sell them.
Suze: And you've had your money in there for longer than
Suze: a year, you'll pay capital gains. So that's what I
Suze: would do if I were you. I would get out.
Suze: Out
Suze: Out young Mr. T.
KT: OK, next question is from Karen. Hi, Suze and KT.
KT: You guys are so wonderful.
Suze: Yes, we are so wonderful.
KT: We've learned so much.
Suze: Even though she's still blinking.
KT: No, I'm not.
Suze: I'm telling you, you are. I'm looking to stop it, KT.
KT: We have a very important decision to make. My husband
KT: has a good chance of losing his job due to
KT: the government cutbacks.
Suze: You and like 20,000 other people.
KT: I'm I'm sorry, sorry, Karen to hear this.
KT: He is 65. I am 66.5. We are considering pulling
KT: out of our savings to pay the house off. My
KT: question is, is this the right thing to do?
Suze: So, does it say how much she still owes on
Suze: her house.
KT: Mm.
KT: Mortgage balance is $80,000.
Suze: Not bad.
KT: And there's a whole list of what she's got, but
KT: not not so bad.
Suze: All right, here's what I would do.
KT: Make it a quizzy.
Suze: I'm not making. I have your quizzy.
KT: Oh, all right, because I have the answer. I know
KT: the answer...
Suze: To here. What's the answer?
KT: Do it. (Suze makes the wrong answer noise)
KT: Why it's not $80,000. Pay it off. Own your home outright. (Suze makes the wrong answer noise again)
KT: All right, go ahead.
Suze: I can't even believe it. You, you're a little thingy today.
Suze: You're like, what are you, a little twitchy?
KT: A little speedy.
Suze: A little speedy. All right, so...
KT: Great coffee.
Suze: So Karen, here's what I would do. I would continue
Suze: to do everything just like you are doing it. Once
Suze: he loses his job.
Suze: Then I would go and take the $80,000 out of
Suze: savings because I see you have $335,000 in savings, but
Suze: take the $80,000 out of there and pay off the
Suze: mortgage at that point in time, but not now because
Suze: we don't know that he's going to definitely lose his job,
Suze: so you can always pay off the mortgage.
Suze: But why not let the 335,000 grow and make a
Suze: nice interest rate, because your mortgage balance is just gonna
Suze: continue to go down.
Suze: So until he loses his job, keep everything a status quo.
Suze: If he does lose his job, then take the 80,000
Suze: out of savings and pay it off.
KT: OK, I was partially right.
Suze: KT, You're either right or wrong.
KT: I was partially wrong, partially right.
Suze: You were wrong.
KT: Colleen.
Suze: You were wrong.
KT: Hello, Suze...
Suze: You were wrong.
Suze: You were wrong, you were wrong. Just say it.
KT: OK, I was wrong. I was almost right.
KT: I was wrong, but close to being...
Suze: Well, you, oh God, she's getting to me today, everybody
Suze: go on.
KT: Next question's from Colleen. Hello, Suze. I have a term
KT: life insurance policy for $150,000. Ready for this? I've had
KT: it for 20 years.
Suze: That's not unusual, KT.
KT: No, but, but that's a long time. But here's the
KT: big question.
Suze: No, it's not a long time.
KT: For term?
Suze: Most people buy term policies for 20 or 30 years.
Suze: They don't buy it for a short period of time
Suze: because they want their premiums to stay stable for the
Suze: entire term. So that's normal.
KT: So this is the question Is this normal? What can
KT: I do to keep it or at least get some
KT: of my money back? That's not normal is it?
Suze: KT...
Suze: What am I going to do, everybody, can you just
Suze: tell me? What am I gonna do? Anyway, so Colleen,
Suze: what can you do to keep it? Just keep paying
Suze: your premiums. There was a reason why you originally got
Suze: a $150,000 term policy.
Suze: Chances are you got it 20 years ago when somebody
Suze: was financially dependent on you and now there's nobody financially
Suze: dependent upon you if something, God forbid were to have
Suze: happened to you. So if you don't need it anymore,
Suze: then just stop paying for it or there are companies
Suze: that will buy a term life insurance byatical companies is
Suze: what they're called, right that will buy them
Suze: from you, even if they are term policies, haven't you
Suze: been watching TV and when you watch it, there's these
Suze: people that are like in a mine and people above
Suze: them are like hearing noises and they're saying they don't
Suze: even know they're living in a gold mine. But anyway,
Suze: that was our advertisements for people like you who want
Suze: to sell those policies. But I have to tell you
Suze: the truth, I don't know the name of any companies
Suze: because it's not really something that I believe in.
Suze: It's just... chances are you're going to end up just
Suze: stopping to make the payments, right, but remember you got
Suze: that term policy knowing that it was going to end
Suze: with absolutely no value whatsoever. All right.
KT: OK, next question is from Sam, but I think this
KT: is a woman, her name is Samia, and she signed
KT: it Sam. In 2021, 2022, and 2023.
KT: A 30 year old contributed to a wrath a total
KT: of $18,500 in 2024...
KT: Ready 30 year old, he cashed out the Roth IRA
KT: and got $17,000. He has a loss of $1500. Being
KT: the distribution was made before 5 years and he's 30
KT: years old, does he still have to pay a 10%
KT: penalty even though he has a loss? Does he have
KT: to pay any other things on the loss?
Suze: Should that be your quizzy?
KT: I think that you do have to pay a penalty
KT: if you're 30 years old and you're...
Suze: (Suze makes the wrong answer noise) Sam, the thing you
Suze: need to know is no. There is no penalty. There
Suze: is no tax, because with a Roth IRA you can
Suze: take out your original contributions any time you want without
Suze: taxes or penalties regardless if it's been in there less
Suze: than 5 years and if you're less than 59.5 years
Suze: of age. I've said it over and over and over
Suze: and over.
Suze: Again, and KT is looking at me like it's the
Suze: very first time she's ever heard that. That is besides
Suze: the point. So no, there is no tax or penalty
Suze: owed because he put in 18,500 of his original contributions.
Suze: He only took out 1700, no taxes or penalties whatsoever.
Suze: All right, KT.
KT: OK, my next question, Suze is from Natalie.
KT: What is more important, pay down debt or invest? Hard
KT: to know what my return will be on my investments.
KT: How do I know if I have the right balance?
KT: Do you want that to be your quizzy?
KT: Um, invest or hold on. All right, I can make
KT: this my quizzy. What's more...
Suze: You've already blown two quizzys.
KT: What's more important, paying down debt or invest?
KT: Personally, I would pay down my debt.
Suze: Ding ding ding ding ding ding ding, right? So, oh God,
Suze: I'm so glad because she's always so upset after these
Suze: podcasts are over.
KT: That's a good one, right? I would pay. Suze hates debt.
KT: I know that that's always going to be a winning.
Suze: You said it in your email.
Suze: Which is hard to know what my return will be
Suze: on my investments. I know the markets have been going up,
Suze: and it makes you go, Oh my God, I'm missing out.
Suze: I'm so upset I didn't participate. Oh my God, however.
Suze: It could be the other way as well. I always
Suze: give the example of 2007, 2008, where you decided, you
Suze: know what, I'm going to take my money that I
Suze: should be paying down my debt with and investing it,
Suze: and then you've lost all of it, almost or 50%
Suze: of it, and you still have the debt. The truth
Suze: is it depends what kind of debt you are talking about.
Suze: If you are talking about credit card debt at a
Suze: high interest rate, pay it down. If you are talking
Suze: about student loan debt that is at a high interest rate,
Suze: pay it down. If you're talking about mortgage debt that's
Suze: at 2%, and you can easily pay that, invest.
Suze: So it depends what kind of debt, but chances are,
Suze: since you didn't say mortgage debt, you just said debt
Suze: pay down your debt, and then you'll have even more
Suze: money to invest with the payments that you were paying
Suze: on that debt.
KT: Do you have time for one more?
Suze: One more. That's it, right?
KT: This, this is the one that I thought was really
KT: scary about butchering. Can I read this butchering? Yeah.
KT: This should be the title. This should be our title. Ready,
KT: it says.
KT: Suze and KT, thank you for being you. Thank you
KT: for all the financial help you give ordinary people like me.
KT: I love Thursdays and Sundays. Ready? My ex-husband, who has
KT: a law degree, fell into an internet crypto scam whereby
KT: he lost everything known as pig butchering. I never heard
KT: that over 2 million in dividend producing stocks, another.
KT: 1.5 million in retirement accounts and recently sold a fully
KT: paid off home and is now living with his 82-year-old mother.
KT: He is only 56.
Suze: Thank God, it's her ex-husband.
KT: Oh my God. But Suze, I never heard this. Point is,
KT: not everyone is aware of pig butchering. You reach so
KT: many people, Suze. I thought you would be willing to
KT: do a comment
KT: on what this is, there's nothing more heartbreaking than losing
KT: your life savings because you think you're going to make
KT: fast money on crypto.
Suze: How much you want to bet me...
KT: Some things are too good to be true, Maria.
Suze: How much you want to bet me that Maria actually
Suze: divorced her husband.
Suze: Because she was the one making the money and she
Suze: was the one good with it.
KT: I don't know.
Suze: I don't know.
KT: I don't know, but I know that I agree with you.
KT: I'm glad she's not married.
Suze: No way did he earn this money because if he
Suze: earned it, he probably wouldn't have lost it,
KT: He was a player. He was a player, and that's
KT: what you keep saying about this cryptocurrency. If you're a
KT: player and you can afford to lose it.
Suze: Right, so let me tell everybody about pig butchering, and
Suze: it really is a type of online investment fraud that's
Suze: really very rampant, and this is where people, they manipulate
Suze: their victims really into investing in all these fake ventures,
Suze: and usually it's in cryptocurrency and the term comes from
Suze: KT in that, you know how you fatten up a
Suze: pig before you slaughter it?
Suze: Right, I know she's looking at me like, don't say that,
Suze: but it's true that's what they do here. So they
Suze: fatten up, so to speak, their victims by building trust
Suze: over time, making their money go up and up and up,
Suze: and then they in essence slaughter them. And that's what happens,
Suze: and they do that by stealing their money and they all, oh,
Suze: I can go more and more into it, but it
Suze: originated KT in China.
Suze: And it's now all throughout the globe. So when something
Suze: seems like it's too good to be true, it is.
KT: Reminds me of Bernie Madoff.
Suze: I was just going to say...
KT: I know Suze was asked among so many of her
KT: friends that were invested with Bernie Madoff that Suze, you
KT: got to get on board, and she kept saying, Sorry,
KT: too good to be true for me. I remember her
KT: in New York saying that over and over again.
Suze: You want to know something, everybody.
Suze: The house that we live in in the Bahamas, the
Suze: reason that we were able to buy the land that
Suze: we built this home on is that there was a
Suze: woman who owned it. This was the premier lots on
Suze: this island. It had a big house, blue house on it,
Suze: and she not only owned this but she owned two
Suze: other lots as well.
Suze: And so there was like a fire sale on these lots,
Suze: and so we just bought them because it was like,
Suze: I'll take those.
Suze: And it was...
KT: It came on sale on a Sunday, and I'll never
KT: forget Suze hearing the price and said to the island manager,
KT: buy it, buy it now before Monday before everyone else
KT: knows about it.
Suze: But it's because she lost all of her money to
Suze: Bernie Madoff. He had gone to her kids' weddings, everything, so.
Suze: When it sounds too good to be true, it is,
Suze: don't go for these huge returns, and a lot of
Suze: you are gonna say, yes, I know Suze, but Palantir
Suze: sounds too good to be true, although the difference between
Suze: something like that
Suze: and these other things is you have control of the money.
Suze: You can buy and sell any time you want. Nobody
Suze: else is holding that money for you. It's in your
Suze: name at a brokerage firm, so it's yours, and you
Suze: can cash it out any time you want.
Suze: Now I have the hard job of Sunday, following last
Suze: Sunday's podcast, which everybody loved with Mister Fitz. So anyway,
Suze: we'll have to see what we come up with, but
Suze: we will have him as a guest once a month
Suze: or so, so we can
Suze: have his energy and discuss things that you need to know.
Suze: But until then, there's only one thing that we want
Suze: you to remember when it comes to your money, and
Suze: it's what KT?
KT: People first, then money, then things.
Suze: Now you stay safe.
Suze: And healthy cause there's a flu going around. Bye bye.
KT: Bye everybody!