1 00:00:28,729 --> 00:00:34,250 Suze: November 26th, 2023. Welcome everybody to the Women and Money 2 00:00:34,259 --> 00:00:38,680 Suze: podcast as well as everybody smart enough to listen. 3 00:00:39,380 --> 00:00:43,080 Suze: Suze O here. But then again, as I always say, I'm 4 00:00:43,090 --> 00:00:46,930 Suze: sure you know that. So did you have a good Thanksgiving? 5 00:00:47,340 --> 00:00:48,439 Suze: Did you eat a lot? 6 00:00:49,110 --> 00:00:52,490 Suze: Were you happy? You ate a lot? We ate a 7 00:00:52,500 --> 00:00:55,610 Suze: lot and we were happy. We ate a lot and 8 00:00:55,619 --> 00:01:01,729 Suze: the truth is Colo and I cooked the most fabulous meal. Now, 9 00:01:01,740 --> 00:01:06,129 Suze: we happened to be on the island and this Thanksgiving 10 00:01:06,139 --> 00:01:11,610 Suze: different than most of our Thanksgiving were just Colo myself 11 00:01:11,620 --> 00:01:15,300 Suze: and KT, did you look on the Women and Money 12 00:01:15,309 --> 00:01:18,010 Suze: community app and see our pictures? 13 00:01:18,419 --> 00:01:22,269 Suze: You'd see the turkey that we made the stuffing, everything. 14 00:01:22,519 --> 00:01:29,660 Suze: It was fabulous. But anyway, we're here mainly on the 15 00:01:29,669 --> 00:01:36,980 Suze: island because yesterday was the island's Wahoo tournament 16 00:01:37,959 --> 00:01:42,330 Suze: and this is a big deal in especially my life 17 00:01:42,339 --> 00:01:45,050 Suze: and I'll tell you why in a second. But for 18 00:01:45,059 --> 00:01:48,160 Suze: those of you who don't know what a Wahoo is. 19 00:01:48,169 --> 00:01:51,440 Suze: And trust me, six years ago, we didn't know what 20 00:01:51,449 --> 00:01:58,440 Suze: a wahoo was either. However, a wahoo is a large fish. 21 00:01:59,029 --> 00:02:06,089 Suze: It's usually anywhere from 20 to 100 pounds. It can be 22 00:02:06,099 --> 00:02:11,520 Suze: anywhere from maybe 3 ft long to 6 ft long. 23 00:02:11,538 --> 00:02:15,330 Suze: It is a big, big fish. Ok. 24 00:02:16,050 --> 00:02:20,369 Suze: The thing about a wahoo is it's usually only in cooler 25 00:02:20,380 --> 00:02:25,630 Suze: waters here in the Atlantic when we're fishing for them anyway. 26 00:02:26,080 --> 00:02:32,179 Suze: And they like it cold and they swim about 60 27 00:02:32,190 --> 00:02:36,960 Suze: miles an hour. So they are without a shadow of 28 00:02:36,970 --> 00:02:41,289 Suze: a doubt. One of the top 10 hardest fish to 29 00:02:41,300 --> 00:02:45,869 Suze: catch out of all the species of fish 30 00:02:46,830 --> 00:02:52,589 Suze: and to catch it is a big, big process. Number one, 31 00:02:52,869 --> 00:02:56,869 Suze: you in the boat have to be going about 15 32 00:02:56,880 --> 00:02:58,050 Suze: miles an hour 33 00:02:58,779 --> 00:03:03,320 Suze: and then you on your pole need a weight and 34 00:03:03,720 --> 00:03:07,440 Suze: that's usually anywhere from 24 ounces all the way up 35 00:03:07,449 --> 00:03:12,679 Suze: to 80 ounces on a long li that's about 30 36 00:03:12,690 --> 00:03:13,600 Suze: ft long. 37 00:03:14,399 --> 00:03:17,168 Suze: And then all these other things on it and a 38 00:03:17,179 --> 00:03:22,070 Suze: huge lure that has a big hook on it. And 39 00:03:22,080 --> 00:03:24,820 Suze: a lure is like this thing that's like 14 inches 40 00:03:24,830 --> 00:03:27,270 Suze: long in this case and has all these feathers coming 41 00:03:27,279 --> 00:03:29,740 Suze: off of it and maybe I'll post a picture of 42 00:03:29,750 --> 00:03:32,940 Suze: it on the app and then you put it out 43 00:03:32,949 --> 00:03:35,949 Suze: and usually you have three lines or four lines at 44 00:03:35,960 --> 00:03:40,139 Suze: once and they're out anywhere from 100 and 50 ft 45 00:03:40,149 --> 00:03:41,059 Suze: behind the boat 46 00:03:41,350 --> 00:03:45,570 Suze: to 250 ft behind the boat, 350 ft behind the 47 00:03:45,580 --> 00:03:49,600 Suze: boat and 450 ft behind the boat. So you have 48 00:03:49,610 --> 00:03:54,130 Suze: like four lines out. You're going 15 miles an hour. 49 00:03:54,139 --> 00:03:57,990 Suze: Is your head already swimming with all this. And anyway, 50 00:03:58,300 --> 00:04:01,960 Suze: if the Wahoo bites, it will take the line out 51 00:04:01,970 --> 00:04:06,130 Suze: another 400 to 800 ft. 52 00:04:06,899 --> 00:04:10,080 Suze: And then you have to start pulling it in 53 00:04:11,080 --> 00:04:13,449 Suze: in the hopes that you can get it in the 54 00:04:13,460 --> 00:04:17,309 Suze: boat before it shakes the hook. So it gets off 55 00:04:18,348 --> 00:04:20,459 Suze: or a shark eats it. 56 00:04:21,170 --> 00:04:27,739 Suze: So it is an incredibly hard task to go Wahoo fishing. 57 00:04:28,428 --> 00:04:32,928 Suze: And it's something that KT and Colo and I got 58 00:04:32,940 --> 00:04:39,250 Suze: into a few years ago and somehow we won this contest. 59 00:04:39,260 --> 00:04:45,308 Suze: It's always the Saturday after Thanksgiving and the Wahoo fishermen 60 00:04:45,320 --> 00:04:48,429 Suze: on the island that we live on. It is a 61 00:04:48,440 --> 00:04:50,109 Suze: big deal 62 00:04:50,459 --> 00:04:53,558 Suze: and the boats leave at like six in the morning 63 00:04:53,660 --> 00:04:56,079 Suze: and they stay out till about two when you have 64 00:04:56,089 --> 00:04:58,779 Suze: to be back and then you have to catch at 65 00:04:58,790 --> 00:05:03,040 Suze: least three wahoos just to even enter the tournament and 66 00:05:03,049 --> 00:05:03,880 Suze: have your fish weighed. 67 00:05:05,529 --> 00:05:10,880 Suze: So a few years ago, KT Colo and I won 68 00:05:10,890 --> 00:05:14,789 Suze: the contest and that caused in my opinion, a lot 69 00:05:14,799 --> 00:05:18,589 Suze: of ruckus on this island because here were these two 70 00:05:18,600 --> 00:05:21,589 Suze: women really because I was the captain of the boat 71 00:05:21,940 --> 00:05:25,349 Suze: who didn't know anything about Wahu fishing at the time, 72 00:05:25,640 --> 00:05:29,649 Suze: won the contest against these men who had been fishing for, oh, 73 00:05:29,660 --> 00:05:33,390 Suze: I'd say at least 15 20 or 30 years 74 00:05:34,450 --> 00:05:37,859 Suze: and we're experts at it. We have a little tiny, 75 00:05:37,869 --> 00:05:42,010 Suze: 32 ft boat and I say tiny in comparison to 76 00:05:42,019 --> 00:05:46,880 Suze: their 60 ft 70 ft big Viking boats with all 77 00:05:46,890 --> 00:05:47,549 Suze: their crew. 78 00:05:48,760 --> 00:05:54,839 Suze: So Saturday was the wahoo contest, and 79 00:05:55,859 --> 00:05:59,920 Suze: did we win? Did we lose? I'm gonna wait until 80 00:05:59,928 --> 00:06:04,000 Suze: Thursday for KT and I to tell you the results 81 00:06:04,010 --> 00:06:07,890 Suze: of the contest because I just know she would want 82 00:06:07,899 --> 00:06:11,649 Suze: to be with me and tell you all about it. 83 00:06:12,049 --> 00:06:18,558 Suze: But because of that, I just want to say on Thursday, Robert, 84 00:06:19,100 --> 00:06:25,320 Suze: the producer of this podcast created a podcast because we 85 00:06:25,329 --> 00:06:28,480 Suze: needed to go practice our wahoo skills. 86 00:06:29,220 --> 00:06:32,160 Suze: And so I said to him, I have an idea 87 00:06:32,170 --> 00:06:36,618 Suze: for you, Robert, why don't you do the podcast on 88 00:06:36,630 --> 00:06:41,279 Suze: your own? And you tell people anything you want, you 89 00:06:41,290 --> 00:06:44,540 Suze: tell them why it's meaningful maybe for you to do 90 00:06:44,549 --> 00:06:48,820 Suze: this podcast or whatever, but you just do that and 91 00:06:48,829 --> 00:06:52,799 Suze: I'll listen to it at the exact same time that 92 00:06:52,809 --> 00:06:55,320 Suze: everybody else hears it. 93 00:06:55,970 --> 00:06:59,170 Suze: Now, I cannot tell you what a big deal that 94 00:06:59,178 --> 00:07:04,839 Suze: was because I have never let a TV show a 95 00:07:04,850 --> 00:07:10,170 Suze: radio show, a podcast go out without me giving its 96 00:07:10,179 --> 00:07:14,589 Suze: final permission, making all the edits on it. I would 97 00:07:14,600 --> 00:07:18,510 Suze: never ever let somebody just record something and put it 98 00:07:18,519 --> 00:07:22,350 Suze: out and I hear it after it's been put out 99 00:07:22,739 --> 00:07:24,470 Suze: except for Robert 100 00:07:25,119 --> 00:07:27,359 Suze: because I know him so well. 101 00:07:28,100 --> 00:07:33,269 Suze: If you haven't heard last Thursday's podcast, you should because 102 00:07:33,279 --> 00:07:40,390 Suze: Robert Fabulous. Fabulous. There wasn't one thing about it that 103 00:07:40,399 --> 00:07:44,630 Suze: I would have changed. So, thank you. 104 00:07:45,540 --> 00:07:49,720 Suze: All right. But it is Suze school today. 105 00:07:50,609 --> 00:07:53,559 Suze: It's hard for me on some level to want to 106 00:07:53,570 --> 00:07:57,480 Suze: talk about anything other than Wahoos and fishing. 107 00:07:58,399 --> 00:08:03,959 Suze: But I did learn a big lesson that I just 108 00:08:03,970 --> 00:08:07,890 Suze: want to pass on to all of you because just maybe, 109 00:08:08,450 --> 00:08:13,769 Suze: maybe you were or are going through what I had 110 00:08:13,779 --> 00:08:18,328 Suze: been going through for the past two or three years. 111 00:08:19,190 --> 00:08:22,529 Suze: So just take a listen for a second here. 112 00:08:23,529 --> 00:08:26,609 Suze: There was a time and I just told you that 113 00:08:26,619 --> 00:08:31,869 Suze: I was the Wahoo Captain. People admired it. They knew 114 00:08:31,880 --> 00:08:34,640 Suze: that wherever I was going that we would catch Wahu 115 00:08:34,650 --> 00:08:37,169 Suze: and people would follow us and we were called the 116 00:08:37,179 --> 00:08:40,468 Suze: Wahoo Girls. And our pictures were up in the little 117 00:08:40,479 --> 00:08:43,429 Suze: market that we have here. In fact, it's still up 118 00:08:43,440 --> 00:08:47,890 Suze: with Colo and the three of us really had quite 119 00:08:47,900 --> 00:08:49,150 Suze: the reputation 120 00:08:50,169 --> 00:08:54,770 Suze: then. As many of, you know, over 3 and a half years ago, 121 00:08:54,859 --> 00:08:58,630 Suze: I had the tumor removed from my neck and for 122 00:08:58,640 --> 00:09:05,169 Suze: over three years actually, really until just the other day, 123 00:09:05,179 --> 00:09:10,520 Suze: Thursday to be exact Thanksgiving Day, quite a special day 124 00:09:10,530 --> 00:09:15,330 Suze: to come back with it for three years. I couldn't 125 00:09:15,340 --> 00:09:17,309 Suze: even really go on the boat. 126 00:09:17,630 --> 00:09:21,848 Suze: I could just simply watch KT and Colo go out 127 00:09:21,900 --> 00:09:24,440 Suze: and watch them for my little tracker that I have 128 00:09:24,450 --> 00:09:28,609 Suze: on my iphone. And I learned to get tremendous joy 129 00:09:28,619 --> 00:09:32,130 Suze: out of just watching them and me not being able 130 00:09:32,140 --> 00:09:32,890 Suze: to do it. 131 00:09:33,950 --> 00:09:35,960 Suze: But I then started 132 00:09:37,059 --> 00:09:38,789 Suze: to buy the ticket 133 00:09:39,630 --> 00:09:44,289 Suze: that my fear was trying to sell me, which was Suze. 134 00:09:44,299 --> 00:09:48,780 Suze: You can't really do much anymore. Can't really exercise. You 135 00:09:48,789 --> 00:09:52,059 Suze: can't really run, you can't go on the boat, you 136 00:09:52,070 --> 00:09:55,880 Suze: can't drive the boat because you can't turn around easy. 137 00:09:55,890 --> 00:09:59,539 Suze: And I had every excuse, possible, 138 00:10:00,359 --> 00:10:04,080 Suze: possible to keep me from doing the things that I 139 00:10:04,090 --> 00:10:07,890 Suze: used to do. You can't travel, you can't climb all 140 00:10:07,900 --> 00:10:11,929 Suze: these hills. You can't walk the camino, all the things 141 00:10:11,940 --> 00:10:13,380 Suze: that I used to do. 142 00:10:14,750 --> 00:10:17,959 Suze: And I truthfully I know you may find this hard 143 00:10:17,969 --> 00:10:22,289 Suze: to believe. I settled into a life where I did 144 00:10:22,299 --> 00:10:27,039 Suze: some things, but I really didn't do much at all. 145 00:10:28,030 --> 00:10:32,409 Suze: And I just kind of was settled into that like 146 00:10:32,419 --> 00:10:36,988 Suze: it's ok. I'm not gonna do it, whatever it may be. 147 00:10:37,320 --> 00:10:37,849 Suze: And 148 00:10:38,590 --> 00:10:42,729 Suze: I was living my life like that, believe it or not. 149 00:10:43,950 --> 00:10:47,500 Suze: Then all of a sudden, I'm not exactly sure what happened, 150 00:10:47,710 --> 00:10:50,890 Suze: but we went on one trip, then we went on 151 00:10:50,900 --> 00:10:55,450 Suze: another trip and then I was able to see over 152 00:10:55,460 --> 00:10:56,090 Suze: time 153 00:10:57,020 --> 00:10:58,400 Suze: that my fear 154 00:10:59,190 --> 00:11:04,390 Suze: and my unwillingness to just go for something to do 155 00:11:04,400 --> 00:11:08,609 Suze: something was keeping me from doing all the things that 156 00:11:08,619 --> 00:11:12,489 Suze: I was capable of doing. But I kept telling myself 157 00:11:12,500 --> 00:11:18,650 Suze: I'm not capable and I kept saying that to myself 158 00:11:18,659 --> 00:11:24,619 Suze: over and over again without even realizing that I was 159 00:11:24,630 --> 00:11:26,849 Suze: creating that to be true. 160 00:11:27,619 --> 00:11:31,840 Suze: And what is so strange being Suze Orman is, I'm 161 00:11:31,849 --> 00:11:34,479 Suze: the one who tells all of you. You need to 162 00:11:34,489 --> 00:11:37,280 Suze: create a new truth. Don't let your fear get in 163 00:11:37,289 --> 00:11:40,799 Suze: your way. If you think you can't, you never ever will. 164 00:11:40,809 --> 00:11:44,289 Suze: How many times have you heard me say that? But 165 00:11:44,299 --> 00:11:47,640 Suze: without me even really realizing it, 166 00:11:48,440 --> 00:11:52,309 Suze: the silent thoughts of, oh, Suze, you can't do that anymore. 167 00:11:52,750 --> 00:11:56,699 Suze: It's ok that you can't do that. But it came 168 00:11:56,710 --> 00:12:00,238 Suze: down to me really thinking I can't do that. I'm 169 00:12:00,250 --> 00:12:03,849 Suze: just not capable. And that's ok because I'm still happy 170 00:12:03,859 --> 00:12:05,559 Suze: and there's lots of things I can do. 171 00:12:06,450 --> 00:12:08,909 Suze: But the bottom line of what I'm trying to say 172 00:12:08,919 --> 00:12:12,330 Suze: to all of you is I am capable. I am 173 00:12:12,340 --> 00:12:16,429 Suze: more capable than I ever had any idea. I kept 174 00:12:16,440 --> 00:12:19,010 Suze: in that boat. I can sit in that chair now 175 00:12:19,020 --> 00:12:23,119 Suze: for seven hours in rough weather and do everything that 176 00:12:23,130 --> 00:12:26,530 Suze: I used to do four years ago, five years ago, 177 00:12:27,590 --> 00:12:30,169 Suze: I can do it all now. 178 00:12:30,880 --> 00:12:35,520 Suze: So I have to stop thinking, I'm not capable and 179 00:12:35,530 --> 00:12:37,059 Suze: my new truth is 180 00:12:37,739 --> 00:12:41,359 Suze: I'm more capable than I have any idea. 181 00:12:42,099 --> 00:12:45,799 Suze: Now, I tell you all this in a money show 182 00:12:46,159 --> 00:12:52,840 Suze: because too many times when it comes to your money, 183 00:12:53,539 --> 00:12:56,559 Suze: you don't want to look at it, you don't want 184 00:12:56,570 --> 00:13:00,320 Suze: to deal with it because you don't think you're capable. 185 00:13:00,929 --> 00:13:03,489 Suze: And so what do you do? A lot of times 186 00:13:03,500 --> 00:13:07,130 Suze: you do absolutely nothing. You let it sit in a 187 00:13:07,140 --> 00:13:11,978 Suze: bank account making a quarter percent interest because you just 188 00:13:11,989 --> 00:13:14,949 Suze: don't want to deal with it because you're not capable. 189 00:13:15,619 --> 00:13:19,320 Suze: Or you hand it over to a financial advisor thinking 190 00:13:19,330 --> 00:13:23,250 Suze: that this person knows better than you because you're not 191 00:13:23,260 --> 00:13:28,250 Suze: capable or you just do what everybody else does that, 192 00:13:28,260 --> 00:13:31,030 Suze: you know, and you ask them for their advice and 193 00:13:31,039 --> 00:13:33,709 Suze: they're telling you, oh, they buy this mutual fund or 194 00:13:33,719 --> 00:13:36,609 Suze: this stock or whatever. So you just do it based 195 00:13:36,619 --> 00:13:40,929 Suze: on their decisions because you're not capable. 196 00:13:42,820 --> 00:13:46,140 Suze: That is no way to live a life. 197 00:13:47,010 --> 00:13:49,840 Suze: It was no way for me to live my life 198 00:13:50,619 --> 00:13:54,340 Suze: and it is absolutely when it comes to your money, 199 00:13:54,859 --> 00:13:59,439 Suze: it is no way for you to think it is 200 00:13:59,450 --> 00:14:02,880 Suze: no way for you to speak. It is no way 201 00:14:02,890 --> 00:14:05,059 Suze: for you to act. 202 00:14:05,900 --> 00:14:09,679 Suze: So as we bring in this new year, 203 00:14:10,299 --> 00:14:15,140 Suze: as the holiday season is really upon us, the most 204 00:14:15,150 --> 00:14:20,840 Suze: extraordinary gift that you can give yourself and in the 205 00:14:20,849 --> 00:14:25,479 Suze: long run to others as well, because when your Children, 206 00:14:25,510 --> 00:14:29,929 Suze: your friends, your spouse, whoever it may be, sees you 207 00:14:29,940 --> 00:14:31,580 Suze: doing things 208 00:14:33,159 --> 00:14:37,059 Suze: again that you were always capable of doing, but you 209 00:14:37,070 --> 00:14:41,820 Suze: projected an image that you weren't for whatever reason, 210 00:14:43,340 --> 00:14:45,760 Suze: it will be not only the greatest gift that you 211 00:14:45,770 --> 00:14:49,630 Suze: can give to yourself. But the greatest gift that you 212 00:14:49,640 --> 00:14:51,789 Suze: could give to others as well 213 00:14:52,929 --> 00:14:55,179 Suze: after the past three days 214 00:14:55,919 --> 00:14:58,919 Suze: that we've been on that boat in some good weather, 215 00:14:58,929 --> 00:15:00,419 Suze: some horrific weather. 216 00:15:01,109 --> 00:15:04,330 Suze: It was an incredible gift that I gave to myself 217 00:15:04,340 --> 00:15:05,669 Suze: because I went for it. 218 00:15:06,429 --> 00:15:10,460 Suze: But it was also an incredible gift to KT. 219 00:15:11,609 --> 00:15:15,830 Suze: I would look over at her and her smile and 220 00:15:15,840 --> 00:15:18,559 Suze: you know, she has a million dollar smile. No, I'm wrong. 221 00:15:18,580 --> 00:15:22,179 Suze: She has a multi billion dollar smile that lights up 222 00:15:22,190 --> 00:15:23,590 Suze: this entire world. 223 00:15:25,140 --> 00:15:26,789 Suze: It was lit again 224 00:15:27,820 --> 00:15:31,030 Suze: because she knew I was capable that she couldn't get 225 00:15:31,039 --> 00:15:35,780 Suze: me to just go for it until I went for 226 00:15:35,789 --> 00:15:40,979 Suze: it myself. So in today's podcast, 227 00:15:41,750 --> 00:15:43,090 Suze: get out your Suze Notebooks. 228 00:15:44,419 --> 00:15:48,039 Suze: I really want you to write down 229 00:15:48,719 --> 00:15:54,260 Suze: everything that you think you are not capable of doing. 230 00:15:54,950 --> 00:15:58,479 Suze: You're not capable of investing your money. You're not capable 231 00:15:58,489 --> 00:16:01,320 Suze: of getting out of credit card debt. You're not capable 232 00:16:01,330 --> 00:16:05,429 Suze: of saving for your retirement. You are not capable of 233 00:16:05,440 --> 00:16:09,400 Suze: saving for your kids', college education. You are not capable 234 00:16:09,409 --> 00:16:12,489 Suze: of ever being able to retire. You are not capable 235 00:16:12,500 --> 00:16:13,729 Suze: of what, 236 00:16:15,010 --> 00:16:16,890 Suze: write it down 237 00:16:18,570 --> 00:16:22,270 Suze: and then just choose one, just one. 238 00:16:23,710 --> 00:16:27,570 Suze: And I want you to do it. 239 00:16:28,559 --> 00:16:30,039 Suze: Just one. 240 00:16:31,080 --> 00:16:32,450 Suze: Not asking a lot, 241 00:16:33,469 --> 00:16:34,849 Suze: but I'm asking you 242 00:16:35,559 --> 00:16:38,700 Suze: to start living a life 243 00:16:39,419 --> 00:16:44,400 Suze: where you are more capable than you have any idea. 244 00:16:45,460 --> 00:16:49,400 Suze: So that's really all I wanted to say on this 245 00:16:49,409 --> 00:16:54,440 Suze: podcast because the most important thing that can come out 246 00:16:54,450 --> 00:16:55,719 Suze: of this podcast 247 00:16:56,630 --> 00:17:00,049 Suze: is for you to just realize that you are more 248 00:17:00,059 --> 00:17:04,579 Suze: capable than you have any idea when it comes to 249 00:17:04,589 --> 00:17:08,359 Suze: every aspect of your money. And if you do that, 250 00:17:08,969 --> 00:17:14,890 Suze: I promise you you will be unstoppable.