1 00:00:08,500 --> 00:00:13,569 Suze: June 7th, 2026. Welcome everybody to the Women and Money 2 00:00:13,569 --> 00:00:19,600 Suze: podcast and everybody smart enough to listen. Today is Suze School, 3 00:00:19,819 --> 00:00:22,540 Suze: and on Suze School today we're going to be simply 4 00:00:22,540 --> 00:00:26,659 Suze: replaying the webinar that Fitzy and I did a few 5 00:00:26,659 --> 00:00:30,799 Suze: days ago on June 4th. Most of you. 6 00:00:31,440 --> 00:00:35,639 Suze: In fact, I think all of you absolutely loved it. 7 00:00:36,000 --> 00:00:39,809 Suze: The response we got was tremendous. Do you know that 8 00:00:39,810 --> 00:00:46,009 Suze: there was approximately 120,000 of you that registered for it? 9 00:00:46,450 --> 00:00:50,689 Suze: So I hope all of you were pleased. However, I 10 00:00:50,689 --> 00:00:54,290 Suze: just wanna say a few things before I play it. 11 00:00:55,360 --> 00:00:58,930 Suze: Listen to me closely now, all right. As you know, 12 00:00:59,090 --> 00:01:04,029 Suze: there was birthday pricing for the Must-Have Documents as well 13 00:01:04,029 --> 00:01:06,410 Suze: as the Ultimate Scam Protection. 14 00:01:07,099 --> 00:01:11,389 Suze: The Must-Have Documents. Once you buy them, you never have 15 00:01:11,389 --> 00:01:15,389 Suze: to buy them again. If you purchased them years ago 16 00:01:15,389 --> 00:01:20,190 Suze: in any format, you don't have to buy them ever again. 17 00:01:20,430 --> 00:01:23,830 Suze: So you don't have to take advantage of the birthday pricing. 18 00:01:24,190 --> 00:01:26,870 Suze: You would look at your documents where it says help, 19 00:01:27,279 --> 00:01:30,589 Suze: and they will send you the updates so that you 20 00:01:30,589 --> 00:01:33,589 Suze: always have the latest and greatest, OK. 21 00:01:34,150 --> 00:01:37,019 Suze: So remember that because I don't want you to spend 22 00:01:37,019 --> 00:01:40,190 Suze: money when you don't have to spend money. If, however, 23 00:01:40,269 --> 00:01:44,709 Suze: you have never purchased the Must-Have Documents, if there was ever 24 00:01:44,709 --> 00:01:50,339 Suze: a time to do it for $75 now is the time. 25 00:01:50,790 --> 00:01:56,150 Suze: Most of you know that via musthavedocs.com, your price has 26 00:01:56,150 --> 00:02:00,099 Suze: been $99 for a long, long time. By the way, 27 00:02:00,309 --> 00:02:02,370 Suze: if you had gone to SuzeOrman.com 28 00:02:02,819 --> 00:02:07,889 Suze: and purchased it from there it was gonna be $199. 29 00:02:08,110 --> 00:02:11,830 Suze: That's how much it was there so I always wanted 30 00:02:11,830 --> 00:02:18,029 Suze: my podcast listeners to always get it for less sometime 31 00:02:18,029 --> 00:02:20,109 Suze: at the end of this month. 32 00:02:21,449 --> 00:02:26,440 Suze: The price is going up for my podcast listeners and 33 00:02:26,440 --> 00:02:33,059 Suze: everybody really to $153. Now who knows what Hay House 34 00:02:33,059 --> 00:02:35,179 Suze: is gonna price it? I'm sure it will be for 35 00:02:35,179 --> 00:02:39,380 Suze: probably $253 but still for you it will 36 00:02:39,630 --> 00:02:45,789 Suze: be $153 probably two weeks from now or so. So 37 00:02:45,788 --> 00:02:49,949 Suze: if you were ever going to buy the Must-Have Documents, you 38 00:02:49,949 --> 00:02:57,490 Suze: need to do it now $75. Now, that expires, everybody... 39 00:02:58,649 --> 00:03:04,410 Suze: Monday, June 8th, 11:59 Pacific time. Who knows, maybe Hay 40 00:03:04,410 --> 00:03:08,300 Suze: House will decide to extend it. You never know, but 41 00:03:08,300 --> 00:03:11,289 Suze: that right now is the deadline. But keep checking if 42 00:03:11,288 --> 00:03:16,130 Suze: you listen to this podcast after that date. You never 43 00:03:16,130 --> 00:03:19,589 Suze: know what they will do, but now is the time 44 00:03:19,589 --> 00:03:23,210 Suze: to do it. Just that simple. Wanna talk about the 45 00:03:23,210 --> 00:03:25,089 Suze: Ultimate Scam Protection. 46 00:03:25,550 --> 00:03:30,639 Suze: And it is this normally the Ultimate Scam Protection is priced at 47 00:03:30,639 --> 00:03:42,479 Suze: $95.88 but until June 8th, 11:59 Pacific time, it is $75. 48 00:03:43,039 --> 00:03:46,960 Suze: Many of you are confused, wondering, is that $75 a 49 00:03:46,960 --> 00:03:50,279 Suze: year from now on? And the answer to that is no, 50 00:03:50,360 --> 00:03:51,389 Suze: it is not. 51 00:03:51,800 --> 00:03:55,600 Suze: It is just $75 for one year after you have 52 00:03:55,600 --> 00:03:59,199 Suze: purchased it and then it will go for the next 53 00:03:59,199 --> 00:04:07,639 Suze: year to $95.88 just that simple, so do not be confused. However, 54 00:04:07,839 --> 00:04:12,759 Suze: please know it is not available in New York. 55 00:04:13,559 --> 00:04:16,079 Suze: So that's important for you to know if you happen 56 00:04:16,079 --> 00:04:18,820 Suze: to be in those two states and you did purchase it, 57 00:04:19,238 --> 00:04:23,519 Suze: please cancel it and you will get a refund. All right, 58 00:04:23,600 --> 00:04:27,989 Suze: I think that's everything I want you to know about that. So, 59 00:04:28,040 --> 00:04:30,140 Suze: are you ready, everybody? 60 00:04:31,279 --> 00:04:37,019 Suze: Now, it's time to start the webinar from June 4th. 61 00:04:37,238 --> 00:04:38,359 Suze: Let's go. 62 00:04:45,079 --> 00:04:47,670 Suze: Welcome everybody to what I think is one of the 63 00:04:47,670 --> 00:04:51,459 Suze: most important webinars you will have ever seen in your 64 00:04:51,459 --> 00:04:54,118 Suze: entire life, but I'm just gonna tell you what you 65 00:04:54,119 --> 00:04:57,399 Suze: should expect to see. Number one, we're going to be 66 00:04:57,399 --> 00:05:01,178 Suze: naming individual stocks that you might be interested in. 67 00:05:01,325 --> 00:05:07,815 Suze: ETFs, we're gonna talk about bonds, gold, Bitcoin, REITs, real estate. 68 00:05:07,855 --> 00:05:10,613 Suze: We're gonna talk about all of it, and you will 69 00:05:10,894 --> 00:05:13,934 Suze: be walking away with things that you can take action 70 00:05:13,934 --> 00:05:17,743 Suze: on if they're appropriate for you. Now, listen to me. 71 00:05:18,015 --> 00:05:22,454 Suze: I'm personally calling this the Dynamic Duo Webinar, and the 72 00:05:22,454 --> 00:05:24,035 Suze: reason is this. 73 00:05:24,640 --> 00:05:28,079 Suze: Keith Fitz-Gerald will be joining us in one second, but 74 00:05:28,079 --> 00:05:31,799 Suze: it takes two, in my opinion, two parts of your 75 00:05:31,799 --> 00:05:36,630 Suze: finances for you to be secure. It takes personal finance. 76 00:05:36,829 --> 00:05:39,420 Suze: Should you have a will? Should you have a Roth IRA, 77 00:05:39,488 --> 00:05:44,159 Suze: what should you do? And that is my specialty. However, 78 00:05:44,690 --> 00:05:48,809 Suze: it takes a true expert to be able to tell 79 00:05:48,809 --> 00:05:53,190 Suze: you what stocks you should be buying, what ETFs you 80 00:05:53,190 --> 00:05:58,410 Suze: should be in, everything, and that is somebody who spends 100% 81 00:05:58,410 --> 00:06:02,268 Suze: of their time stunning the markets, having been in this 82 00:06:02,269 --> 00:06:04,029 Suze: game for a long time. 83 00:06:04,480 --> 00:06:09,329 Suze: And that is Keith Fitz-Gerald. Just little about him. He's 84 00:06:09,329 --> 00:06:12,729 Suze: been doing this for 40 years. He has managed over 85 00:06:12,730 --> 00:06:16,589 Suze: billions of dollars and advised on tens of billions of 86 00:06:16,589 --> 00:06:20,969 Suze: dollars for certain corporations, certain institutions, as to what they 87 00:06:20,970 --> 00:06:23,250 Suze: should do with their money. But here's the most important 88 00:06:23,250 --> 00:06:28,730 Suze: thing I trust him. I work closely with him, and 89 00:06:28,730 --> 00:06:31,750 Suze: in the same way, I hope that you trust me. 90 00:06:32,309 --> 00:06:35,709 Suze: I am telling you, you should trust him as well. 91 00:06:35,829 --> 00:06:39,868 Suze: So therefore, Keith boyfriend, just so you know, I call 92 00:06:39,869 --> 00:06:42,899 Suze: him Fitzy. How do you feel about me calling you Fitzy? 93 00:06:43,190 --> 00:06:45,390 Keith: I love it. Thank you so much for that most 94 00:06:45,390 --> 00:06:49,390 Keith: gracious introduction and to your point today, we live at 95 00:06:49,390 --> 00:06:52,690 Keith: one of the most exciting, dynamic times I can recall 96 00:06:52,690 --> 00:06:56,190 Keith: in human history when it comes to investing in your money. 97 00:06:56,630 --> 00:07:00,130 Suze: All right, so let's start right there, Keith, which is, 98 00:07:00,428 --> 00:07:03,920 Suze: why are these times, number one, you say exciting, but 99 00:07:03,920 --> 00:07:07,390 Suze: why are they different than they were two years ago, 100 00:07:07,549 --> 00:07:10,989 Suze: five years ago, 10 years ago, where everybody thought they 101 00:07:10,989 --> 00:07:13,890 Suze: knew how to invest? How has it changed? 102 00:07:14,339 --> 00:07:19,899 Keith: The biggest single change, Suze, is a market concentration of 103 00:07:19,899 --> 00:07:24,369 Keith: not only wealth but earnings potential. Now, in the old days, 104 00:07:24,380 --> 00:07:27,299 Keith: you could spread your money around and you'd do just fine, 105 00:07:27,579 --> 00:07:31,459 Keith: but these days we have the world's best companies making 106 00:07:31,459 --> 00:07:33,700 Keith: must-have products and services dominating 107 00:07:33,920 --> 00:07:38,609 Keith: the earnings landscape and earnings propel stock prices over time, 108 00:07:38,720 --> 00:07:39,989 Keith: so you want to focus on them. 109 00:07:40,290 --> 00:07:42,489 Suze: But how does that differ? That's been true forever that 110 00:07:42,489 --> 00:07:46,959 Suze: earnings have propelled stock prices. What really makes a difference? 111 00:07:47,019 --> 00:07:50,250 Suze: Does AI make a difference? Do the computers make a difference? 112 00:07:50,910 --> 00:07:53,309 Suze: What makes it different, really, Keith? 113 00:07:53,890 --> 00:07:57,410 Keith: There are two layers that the average investor doesn't think about. 114 00:07:57,529 --> 00:07:59,989 Keith: Number one is all of the computerization. 115 00:08:00,500 --> 00:08:04,059 Keith: The options, the futures, the news, the dynamicism that we 116 00:08:04,059 --> 00:08:06,779 Keith: see in the headlines played out every single day that 117 00:08:06,779 --> 00:08:11,179 Keith: forces a concentration in the very best, most liquid, solid companies. 118 00:08:11,459 --> 00:08:14,980 Keith: The second thing is that an increasing number of companies 119 00:08:14,980 --> 00:08:15,500 Keith: themselves are 120 00:08:15,644 --> 00:08:19,894 Keith: dominated by visionary leaders, they're attracting huge amounts of capital, 121 00:08:20,174 --> 00:08:22,454 Keith: but they're attracting it not for the wrong reasons. They're 122 00:08:22,454 --> 00:08:24,845 Keith: attracting it for the right reasons because they're making products 123 00:08:24,845 --> 00:08:28,614 Keith: and services that we literally can't live without. We've never 124 00:08:28,614 --> 00:08:30,635 Keith: seen this in recorded human history before. 125 00:08:31,190 --> 00:08:34,229 Suze: So you know, over the past we've talked about the 126 00:08:34,229 --> 00:08:38,510 Suze: Magnificent Seven. We talk about these stocks, AI. Everybody says 127 00:08:38,510 --> 00:08:41,549 Suze: they are in a bubble. Get out of them. Don't 128 00:08:41,549 --> 00:08:45,109 Suze: invest in them anymore. Headlines have been, and yet they 129 00:08:45,109 --> 00:08:48,489 Suze: have been taking off over the past month or so. 130 00:08:48,869 --> 00:08:51,750 Suze: Everything has skyrocketed. Why? 131 00:08:52,479 --> 00:08:55,809 Keith: Well, it's a very common misconception, right? People are still 132 00:08:55,809 --> 00:08:59,130 Keith: thinking using a roadmap that was built 30, 40, 50 133 00:08:59,130 --> 00:09:01,479 Keith: years ago to navigate a market that looks nothing like 134 00:09:01,479 --> 00:09:02,608 Keith: it used to. 135 00:09:02,900 --> 00:09:06,459 Keith: So this idea that we're in a bubble is really 136 00:09:06,460 --> 00:09:09,770 Keith: sort of a recent memory. It's not accurate. The facts 137 00:09:09,770 --> 00:09:13,260 Keith: contradict that. If you look at the bubble of 1999, 138 00:09:13,299 --> 00:09:16,400 Keith: for example, that was talking socks and something that might 139 00:09:16,400 --> 00:09:21,280 Keith: be called the internet. Today's companies are backed by huge, huge, 140 00:09:21,289 --> 00:09:25,419 Keith: trillions of dollars of real revenue, real earnings, real products 141 00:09:25,419 --> 00:09:27,940 Keith: that are already working their way through the system. So 142 00:09:27,940 --> 00:09:30,619 Keith: it's a very, very different environment, and a bubble is 143 00:09:30,619 --> 00:09:31,559 Keith: the wrong term. 144 00:09:32,179 --> 00:09:34,869 Suze: All right, so you would still be investing at this 145 00:09:34,869 --> 00:09:36,250 Suze: point in time, correct? 146 00:09:36,710 --> 00:09:37,989 Keith: No question about it. 147 00:09:38,549 --> 00:09:42,190 Suze: All right, so let's talk about individual stocks. If you 148 00:09:42,190 --> 00:09:46,468 Suze: had to talk about 3 or 4 individual stocks that 149 00:09:46,469 --> 00:09:49,189 Suze: you would like everybody to at least look into and 150 00:09:49,190 --> 00:09:53,070 Suze: if appropriate, buy for themselves, what would they be and why? 151 00:09:53,869 --> 00:09:56,190 Keith: Sure, that's a great question because, you know, this is 152 00:09:56,190 --> 00:09:59,070 Keith: about charting a course to the future, right? At the 153 00:09:59,070 --> 00:10:01,679 Keith: very top of the list right now, at this moment 154 00:10:01,679 --> 00:10:05,419 Keith: in time would be Apple. And Apple is just got, 155 00:10:05,619 --> 00:10:08,659 Keith: everybody says it's done, it's not innovating, it's written off, blah, 156 00:10:08,669 --> 00:10:11,419 Keith: blah blah. I've learned to watch Apple over the years 157 00:10:11,419 --> 00:10:14,750 Keith: and one of the things that Apple does very deliberately 158 00:10:14,750 --> 00:10:17,530 Keith: before it changes the universe and the world we know 159 00:10:17,590 --> 00:10:18,669 Keith: is it goes quiet. 160 00:10:18,979 --> 00:10:21,909 Keith: And that was before the iPhone, before services, etc. I 161 00:10:21,909 --> 00:10:24,469 Keith: think they're going to make a huge move here this 162 00:10:24,469 --> 00:10:28,929 Keith: year or next when they bring AI down to the device. 163 00:10:29,229 --> 00:10:32,190 Keith: And what makes Apple so special, Suze, is they are 164 00:10:32,190 --> 00:10:37,869 Keith: the only company in history with 2.5 billion installed devices 165 00:10:37,869 --> 00:10:40,750 Keith: around the world, meaning nearly everybody has one, owns one, 166 00:10:40,789 --> 00:10:43,949 Keith: or has access to it. Nobody else has that advantage. 167 00:10:44,580 --> 00:10:46,659 Suze: All right, so then I just have to ask you 168 00:10:46,659 --> 00:10:49,179 Suze: this and bring this up. Do you remember a little 169 00:10:49,179 --> 00:10:53,859 Suze: while ago we did something together and I asked you 170 00:10:53,859 --> 00:10:56,940 Suze: what was your number one pick, and I said at 171 00:10:56,940 --> 00:11:00,260 Suze: the time mine was Apple, but you said at the 172 00:11:00,260 --> 00:11:06,219 Suze: time Microsoft. What has made you change from Microsoft to Apple? 173 00:11:07,070 --> 00:11:09,630 Keith: Well, yes, you did. My hat's off to you. That 174 00:11:09,630 --> 00:11:12,270 Keith: was awesome. But if you also recall at the time 175 00:11:12,270 --> 00:11:15,549 Keith: when I said Microsoft, Microsoft has now had a great 176 00:11:15,549 --> 00:11:18,789 Keith: run since then. So investing changes, and that's one of 177 00:11:18,789 --> 00:11:22,200 Keith: the other things about the current environment that is unique 178 00:11:22,469 --> 00:11:24,348 Keith: is you can't just be one and done, you know, 179 00:11:24,429 --> 00:11:27,070 Keith: the fact that I liked Microsoft six months ago, nine 180 00:11:27,070 --> 00:11:28,150 Keith: months ago, 12 months ago really, 181 00:11:28,280 --> 00:11:32,119 Keith: is moot today. The question is what would I buy today? Well, 182 00:11:32,159 --> 00:11:34,280 Keith: it's Apple. Microsoft is going to do great, and I 183 00:11:34,280 --> 00:11:35,960 Keith: hope I'm smart enough to hold it for a long 184 00:11:35,960 --> 00:11:36,280 Keith: time to come. 185 00:11:37,000 --> 00:11:39,939 Suze: Great. And so what would be another pick of yours? 186 00:11:40,280 --> 00:11:43,880 Keith: Another company is very controversial choice, and you're either going 187 00:11:43,880 --> 00:11:45,669 Keith: to love it or you're going to hate it, but 188 00:11:45,669 --> 00:11:47,840 Keith: there's no question in my mind that Tesla is the one... 189 00:11:47,840 --> 00:11:49,539 Suze: Want me to guess what you're going to say? 190 00:11:50,619 --> 00:11:52,559 Suze: He's gonna say Palantir, right? 191 00:11:53,190 --> 00:11:56,549 Keith: Well, it could be either Palantir or Tesla. Both of 192 00:11:56,549 --> 00:12:01,429 Keith: these companies are incredibly controversial, but they also are incredibly unique. 193 00:12:01,549 --> 00:12:04,840 Keith: And again, if we look at where we are in history, 194 00:12:04,869 --> 00:12:07,710 Keith: for the first time, we're not talking plow blades, we're 195 00:12:07,710 --> 00:12:10,309 Keith: not talking cars, we're not talking physical 196 00:12:10,515 --> 00:12:14,075 Keith: goods that you can kick, smell, touch, taste, eat. What 197 00:12:14,075 --> 00:12:18,174 Keith: we're talking about is data. And again, we've never seen 198 00:12:18,174 --> 00:12:21,114 Keith: this in recorded human history. The average person today, Suze, 199 00:12:21,424 --> 00:12:25,114 Keith: encounters more information in a single issue of The New 200 00:12:25,114 --> 00:12:27,994 Keith: York Times than a person living in the 1700s or 201 00:12:27,994 --> 00:12:30,565 Keith: 1800s would have seen in their lifetime. 202 00:12:30,919 --> 00:12:33,659 Keith: And the data is beginning to create data and we're 203 00:12:33,659 --> 00:12:37,979 Keith: drawing conclusions and decisions about medicine, about money, about health, 204 00:12:38,140 --> 00:12:41,489 Keith: about famine. We live in an age of abundance, not scarcity, 205 00:12:41,539 --> 00:12:44,270 Keith: and that's why the investment environment is so compelling right now. 206 00:12:44,440 --> 00:12:47,099 Suze: Let's just be clear with everybody because I told them 207 00:12:47,099 --> 00:12:51,099 Suze: they're going to walk away with actionable ideas if it 208 00:12:51,099 --> 00:12:54,840 Suze: fits their investment profile. So, so far we have Apple, 209 00:12:55,219 --> 00:12:55,978 Suze: and Tesla 210 00:12:56,065 --> 00:12:58,145 Suze: is what you were just talking about... 211 00:12:58,145 --> 00:12:58,704 Keith: And Palantir. 212 00:12:58,705 --> 00:13:01,844 Suze: And Palantir. Do you want to give them one more 213 00:13:01,844 --> 00:13:03,744 Suze: like outside of that realm? 214 00:13:04,065 --> 00:13:08,544 Keith: Absolutely, because it's not just about the data. One of 215 00:13:08,544 --> 00:13:12,065 Keith: the other great misconceptions about today's environment is people are 216 00:13:12,065 --> 00:13:15,005 Keith: thinking about nice to haves, for example, they're looking at 217 00:13:15,145 --> 00:13:17,375 Keith: all this stuff. I could get a new pair of shoes, Nike. 218 00:13:17,424 --> 00:13:20,445 Keith: I could get a Peloton. Fine. So you get a commodity. 219 00:13:20,585 --> 00:13:21,224 Keith: So what? 220 00:13:21,969 --> 00:13:24,130 Keith: What I think people ought to be thinking about is 221 00:13:24,130 --> 00:13:28,890 Keith: dividends and income and growth and sustainability. Chevron is at 222 00:13:28,890 --> 00:13:32,330 Keith: the very top of the list. Now, again, it's controversial 223 00:13:32,570 --> 00:13:35,848 Keith: but very deliberate on my part because oil is not 224 00:13:35,849 --> 00:13:37,228 Keith: an on-off switch. 225 00:13:37,760 --> 00:13:41,439 Keith: We have to have oil for many, many years to come. 226 00:13:41,520 --> 00:13:45,440 Keith: It's in hundreds of thousands of industrial processes. You don't 227 00:13:45,440 --> 00:13:48,309 Keith: just suddenly "on" oil one day, "off" the next. It 228 00:13:48,309 --> 00:13:51,119 Keith: pays a great dividend, has a global footprint. It is 229 00:13:51,119 --> 00:13:55,549 Keith: capable of surmounting and succeeding despite all of the global chaos, 230 00:13:55,799 --> 00:13:58,119 Keith: which I suspect is going to get rewired here within 231 00:13:58,119 --> 00:13:59,320 Keith: the next six to nine months. 232 00:13:59,559 --> 00:14:03,039 Suze: So you know what's interesting, I've always said that if 233 00:14:03,039 --> 00:14:03,869 Suze: you're going to 234 00:14:04,635 --> 00:14:08,606 Suze: own individual stocks. You should own at least 25 stocks, 235 00:14:08,716 --> 00:14:12,255 Suze: no more than 4% in each one, or 30 stocks, 236 00:14:12,476 --> 00:14:15,635 Suze: and you need to own a lot of stocks. But 237 00:14:15,635 --> 00:14:19,276 Suze: the truth is today, Keith, not many people have that 238 00:14:19,276 --> 00:14:22,595 Suze: much money that they can own that many stocks and 239 00:14:22,596 --> 00:14:26,796 Suze: know which ones to do. And so therefore exchange traded 240 00:14:26,796 --> 00:14:30,096 Suze: funds really, in my opinion, come to play. 241 00:14:30,512 --> 00:14:34,552 Suze: So for years now I've been telling people, listen, just 242 00:14:34,552 --> 00:14:37,552 Suze: dollar cost average every month into VOO, the Standard and 243 00:14:37,552 --> 00:14:42,392 Suze: Poor's 500 index, or VTI, the Vanguard Total Stock Market Index, 244 00:14:42,471 --> 00:14:46,552 Suze: the ETF, and things like that. But I've noticed over 245 00:14:46,552 --> 00:14:50,781 Suze: the years that there's only a few of the stocks 246 00:14:50,781 --> 00:14:55,331 Suze: within the entire index that are moving the entire index. 247 00:14:55,512 --> 00:14:56,431 Suze: Is that true? 248 00:14:57,239 --> 00:15:01,039 Keith: Yes, it's true, and it's actually becoming more and more pronounced. 249 00:15:01,549 --> 00:15:04,719 Keith: Our research shows, for example, over the last, I mean 250 00:15:04,719 --> 00:15:07,640 Keith: this is this is a mind blower. Our research shows 251 00:15:07,640 --> 00:15:12,239 Keith: that over the last 100 years, there are approximately 29-30,000 stocks, 252 00:15:12,520 --> 00:15:18,039 Keith: less than 1,000 of those stocks have contributed effectively 100% 253 00:15:18,039 --> 00:15:20,559 Keith: of the total wealth created in the stock market in 254 00:15:20,559 --> 00:15:21,080 Keith: the US. 255 00:15:21,469 --> 00:15:25,190 Keith: So what that means is the concentration because what you've 256 00:15:25,190 --> 00:15:27,950 Keith: proposed for years has worked, it's worked beautifully. I'm super 257 00:15:27,950 --> 00:15:30,520 Keith: proud of anybody that's done that because chances are they've 258 00:15:30,520 --> 00:15:32,669 Keith: done very, very well. What they need to do now 259 00:15:32,669 --> 00:15:35,469 Keith: is focus on where the world is going, not where 260 00:15:35,469 --> 00:15:38,119 Keith: it's been, and that's why this concentration is so important 261 00:15:38,590 --> 00:15:40,669 Keith: because the number of companies. 262 00:15:41,130 --> 00:15:44,570 Keith: That is creating that wealth is continuing to shrink. The 263 00:15:44,570 --> 00:15:47,890 Keith: number of public listings over, I think it's since the 264 00:15:47,890 --> 00:15:52,289 Keith: 1990s has dropped by roughly 50%. So the number of 265 00:15:52,289 --> 00:15:55,559 Keith: public companies has dropped. The rise of ETFs has focused, 266 00:15:55,760 --> 00:15:58,409 Keith: and on top of that, the earnings are concentrating, so 267 00:15:58,530 --> 00:16:01,849 Keith: you're getting this bull's eye effect that is really pronounced 268 00:16:01,849 --> 00:16:04,650 Keith: for investors who want to move the needle. You can't 269 00:16:04,903 --> 00:16:08,061 Keith: buy 29,000 stocks and hope you're going to stumble into 270 00:16:08,062 --> 00:16:10,662 Keith: the winners. My supposition is you need to focus on 271 00:16:10,663 --> 00:16:12,182 Keith: the winners to begin with now. 272 00:16:12,742 --> 00:16:15,062 Suze: But would you say, because I don't want to be 273 00:16:15,062 --> 00:16:16,732 Suze: wrong for all these years, but... 274 00:16:16,742 --> 00:16:17,932 Keith: You're not wrong. You're not. No. 275 00:16:18,112 --> 00:16:23,822 Suze: But would you say for the people that currently own VTI, VOO, 276 00:16:23,953 --> 00:16:27,572 Suze: whatever it may be, that they should probably stick in it, 277 00:16:27,622 --> 00:16:28,302 Suze: but also 278 00:16:30,085 --> 00:16:33,476 Suze: diversify among other exchange traded funds or individual stocks? 279 00:16:34,075 --> 00:16:37,156 Keith: Yes, I would. And here's why. Number one, if you're 280 00:16:37,156 --> 00:16:40,276 Keith: investing in things like VTI and VOO, number one, definite 281 00:16:40,276 --> 00:16:43,036 Keith: hat tip to you. Well done. Keep doing that if 282 00:16:43,036 --> 00:16:45,476 Keith: it works for you because those are great funds that 283 00:16:45,476 --> 00:16:47,916 Keith: get you where you want to go. You're using discipline. 284 00:16:47,986 --> 00:16:50,195 Keith: You're earning dividends. I mean all the great stuff that 285 00:16:50,195 --> 00:16:51,875 Keith: you want to be doing as an investor. 286 00:16:52,260 --> 00:16:55,260 Keith: The problem with diversification and concentration that we're talking about 287 00:16:55,260 --> 00:16:59,530 Keith: isn't diversification itself. It's not even concentration. It's that most 288 00:16:59,530 --> 00:17:03,700 Keith: investors in today's environment, Suze, don't own enough of the 289 00:17:03,700 --> 00:17:06,739 Keith: right stocks. So if you begin to branch out into 290 00:17:06,739 --> 00:17:11,060 Keith: ETFs that offer you a very select focus, then I 291 00:17:11,060 --> 00:17:14,660 Keith: submit that is a super smart, super appropriate move where 292 00:17:14,660 --> 00:17:15,380 Keith: we are in history. 293 00:17:15,890 --> 00:17:18,180 Suze: And I have to say to everybody, of course you 294 00:17:18,180 --> 00:17:21,420 Suze: would think that. And the reason that I say that 295 00:17:21,420 --> 00:17:28,239 Suze: is that you recently debuted an ETF under the symbol FITZ, 296 00:17:28,579 --> 00:17:32,379 Suze: and I just wanna say congratulations to you because the 297 00:17:32,380 --> 00:17:37,079 Suze: day that it debuted over 1 million shares, 298 00:17:37,244 --> 00:17:42,964 Suze: actually, were bought. Tell everybody about FITZ because I tell 299 00:17:42,964 --> 00:17:45,844 Suze: people about it. I've told people about it on the 300 00:17:45,844 --> 00:17:48,994 Suze: Women and Money podcast and everything, but people are like, 301 00:17:49,185 --> 00:17:52,165 Suze: what is a theme? What is he doing exactly? What's 302 00:17:52,165 --> 00:17:56,084 Suze: in it? Why did you do it? And why and 303 00:17:56,084 --> 00:17:58,603 Suze: who should be looking into purchasing it? 304 00:17:59,089 --> 00:18:01,699 Keith: Well, I will do my best. Those are some big questions, right? 305 00:18:01,849 --> 00:18:05,209 Keith: So the premise behind FITZ really drives to the heart 306 00:18:05,209 --> 00:18:07,930 Keith: of what we've just been talking about. You know, I 307 00:18:07,930 --> 00:18:10,609 Keith: think that the way to win is to flip everything around. 308 00:18:10,729 --> 00:18:14,030 Keith: Don't spread your money around willy-nilly. This is all stuff, 309 00:18:14,209 --> 00:18:16,290 Keith: no fluff, and we started with the premise of this. 310 00:18:16,859 --> 00:18:19,969 Keith: Would you, if you got the opportunity to buy 20 311 00:18:19,969 --> 00:18:23,829 Keith: to 30 of the world's best, most successful companies making 312 00:18:24,290 --> 00:18:28,329 Keith: must-have products and services and align your money in doing 313 00:18:28,329 --> 00:18:30,890 Keith: so with where the world is going versus where it's 314 00:18:30,890 --> 00:18:33,689 Keith: been in a single easy to buy ticker, would you 315 00:18:33,689 --> 00:18:34,010 Keith: do it? 316 00:18:34,489 --> 00:18:36,310 Keith: And a lot of people said yes. 317 00:18:36,500 --> 00:18:39,978 Suze: And is it your hope that over a long period 318 00:18:39,979 --> 00:18:46,180 Suze: of time that FITZ literally outperforms VOO or VTI or 319 00:18:46,180 --> 00:18:49,899 Suze: any of those, no promises here, but is that your goal? 320 00:18:50,459 --> 00:18:54,000 Keith: Absolutely, it's the intention because this is the living embodiment 321 00:18:54,000 --> 00:18:56,660 Keith: of 45 years of my research. You buy the best, 322 00:18:56,699 --> 00:18:59,419 Keith: you ignore the rest. All the data supports what we're doing. 323 00:19:00,012 --> 00:19:03,532 Keith: History supports what we're doing. If we're doing our jobs properly, 324 00:19:03,892 --> 00:19:07,733 Keith: my hope is that we perform very, very well and 325 00:19:07,733 --> 00:19:09,953 Keith: that everybody enjoys their trip at the table. 326 00:19:10,172 --> 00:19:13,093 Suze: Yeah, you know what's interesting, Keith, is that a lot 327 00:19:13,093 --> 00:19:16,213 Suze: of times people hear, Oh, FITZ just came out. I 328 00:19:16,213 --> 00:19:18,473 Suze: got to buy it. It's going to go straight up. Everybody, 329 00:19:18,571 --> 00:19:22,213 Suze: I personally want you to understand an ETF is not 330 00:19:22,213 --> 00:19:24,672 Suze: like an IPO where all of a sudden the 331 00:19:24,755 --> 00:19:28,326 Suze: stock comes out and everything. It is a process, and 332 00:19:28,446 --> 00:19:31,105 Suze: I think Keith, it took you two or three years 333 00:19:31,286 --> 00:19:34,744 Suze: to actually get it all together, everything that's behind it 334 00:19:35,005 --> 00:19:37,745 Suze: to make it be what you want it to be. 335 00:19:37,806 --> 00:19:40,485 Suze: But the point I want to make here is that 336 00:19:40,484 --> 00:19:43,326 Suze: would you agree with me that the way that you 337 00:19:43,326 --> 00:19:47,086 Suze: would want people to invest in FITZ is through a 338 00:19:47,086 --> 00:19:49,806 Suze: dollar cost averaging approach, number one. 339 00:19:50,290 --> 00:19:54,479 Suze: And number two, with the intention of holding it for 340 00:19:54,479 --> 00:19:58,770 Suze: five years, 10 years or longer, because you, I think, 341 00:19:58,969 --> 00:20:02,369 Suze: told me that you wanted to create an ETF with 342 00:20:02,369 --> 00:20:05,150 Suze: the stocks that are going to be there and that 343 00:20:05,150 --> 00:20:07,250 Suze: you must have, which is why you're calling it the 344 00:20:07,250 --> 00:20:11,689 Suze: must-have portfolio for a long, long time. Is that correct 345 00:20:11,689 --> 00:20:12,390 Suze: as well? 346 00:20:12,949 --> 00:20:15,150 Keith: Yes, it is. And you know, this is just as 347 00:20:15,150 --> 00:20:18,069 Keith: true for FITZ as it is for any other disciplined 348 00:20:18,069 --> 00:20:20,670 Keith: investment product. I'd love to be able to tell you, hey, 349 00:20:20,790 --> 00:20:22,910 Keith: take everything you got and put it in. But number one, 350 00:20:23,020 --> 00:20:25,550 Keith: that would be inappropriate. Number two, that would be a 351 00:20:25,550 --> 00:20:28,270 Keith: disservice to you as an investor because we live in 352 00:20:28,270 --> 00:20:31,069 Keith: an age where Wall Street's computers have run amok, where 353 00:20:31,069 --> 00:20:36,589 Keith: the go fast traders regularly exploit individual investors. Having a 354 00:20:36,589 --> 00:20:38,829 Keith: fund like this and using a tactic 355 00:20:38,984 --> 00:20:43,034 Keith: like dollar cost averaging or value cost averaging gives you 356 00:20:43,665 --> 00:20:47,625 Keith: the advantage because it removes the emotional uncertainty. It means 357 00:20:47,625 --> 00:20:50,044 Keith: you don't have to pay attention to the daily headlines 358 00:20:50,145 --> 00:20:52,305 Keith: if you have a confidence in the companies that are 359 00:20:52,305 --> 00:20:56,064 Keith: in the portfolio and you can just breathe easy, sleep 360 00:20:56,064 --> 00:20:58,464 Keith: at night. That's the goal because personally, I like to 361 00:20:58,464 --> 00:21:01,844 Keith: sleep at night. So a lot of my own desire 362 00:21:01,844 --> 00:21:04,925 Keith: to see a more stable, compelling story 363 00:21:05,369 --> 00:21:08,589 Keith: is embodied in that particular ETF and the companies we choose. 364 00:21:09,010 --> 00:21:11,290 Suze: You know, I want you all to understand that this 365 00:21:11,290 --> 00:21:16,290 Suze: is a managed ETF obviously managed by Keith. 366 00:21:16,790 --> 00:21:21,760 Suze: That means there's an expense ratio of 0.75% on it 367 00:21:21,760 --> 00:21:26,958 Suze: versus your indexed ETFs that have like 0.003 or whatever 368 00:21:26,959 --> 00:21:29,399 Suze: it may be, and I imagine a lot of you 369 00:21:29,400 --> 00:21:31,760 Suze: are going to look at that and say, Well, that's 370 00:21:31,760 --> 00:21:36,709 Suze: really high, Suze. Why should I pay 0.75% when I 371 00:21:36,709 --> 00:21:39,739 Suze: could pay 0.003 and buy the whole market? Keith, I 372 00:21:39,739 --> 00:21:42,520 Suze: just need you to address the answer to that question 373 00:21:42,520 --> 00:21:44,699 Suze: because people have been emailing me that question. 374 00:21:45,260 --> 00:21:48,229 Keith: Well, it's a very logical question, and my answer is 375 00:21:48,229 --> 00:21:50,069 Keith: very simple. You get what you pay for. If you 376 00:21:50,069 --> 00:21:52,099 Keith: want to buy the index, you're in the crew that's 377 00:21:52,099 --> 00:21:56,050 Keith: 29,000 stocks hoping to stumble into some big winners. This 378 00:21:56,050 --> 00:22:00,119 Keith: flips this around. What you're really getting is my expertise 379 00:22:00,349 --> 00:22:01,849 Keith: for better or for worse. 380 00:22:02,449 --> 00:22:06,020 Suze: Everybody, I'm telling you this is what I would be 381 00:22:06,020 --> 00:22:08,218 Suze: doing if I were you. If you're in VTI, if 382 00:22:08,219 --> 00:22:11,579 Suze: you're in VOO, if you even have some individual stocks 383 00:22:11,579 --> 00:22:15,609 Suze: that may be part of FITZ, that is the symbol 384 00:22:15,609 --> 00:22:19,819 Suze: FITZ on the New York Stock Exchange, you might want 385 00:22:19,819 --> 00:22:24,579 Suze: to consider adding FITZ to the mix because you're going 386 00:22:24,579 --> 00:22:26,540 Suze: to see when you see all the stocks that are 387 00:22:26,540 --> 00:22:27,339 Suze: in there, and I think 388 00:22:27,660 --> 00:22:30,379 Suze: there are about 28 stocks, so I'm just telling you 389 00:22:30,380 --> 00:22:33,099 Suze: I'm not making money off of you. I'm just telling you, 390 00:22:33,140 --> 00:22:36,380 Suze: and I've always brought to you the ETFs that I 391 00:22:36,380 --> 00:22:39,180 Suze: have wanted you to buy in the past, and I'm 392 00:22:39,180 --> 00:22:42,489 Suze: adding this one to the list. Let's move on for 393 00:22:42,489 --> 00:22:46,300 Suze: a second now. So we have growth. We've just talked 394 00:22:46,300 --> 00:22:50,260 Suze: about growth and making money in individual stocks and ETFs, 395 00:22:50,420 --> 00:22:52,619 Suze: but there are a lot of people out there. 396 00:22:52,839 --> 00:22:57,169 Suze: That need income and I personally believe that the best 397 00:22:57,170 --> 00:23:00,579 Suze: way to get income today is not through bonds. I 398 00:23:00,579 --> 00:23:03,419 Suze: personally don't like bonds if you're doing it for income. 399 00:23:03,729 --> 00:23:05,939 Suze: You want safety and you want a little bit of 400 00:23:05,939 --> 00:23:09,540 Suze: your money in treasuries right now. Maybe a 30 year 401 00:23:09,540 --> 00:23:12,619 Suze: treasury might not be a bad thing to do, but 402 00:23:12,619 --> 00:23:16,099 Suze: really I think inflation is here to stay for a 403 00:23:16,099 --> 00:23:16,410 Suze: long time. 404 00:23:18,060 --> 00:23:22,420 Suze: For, I want you to have income plus growth, and 405 00:23:22,420 --> 00:23:26,680 Suze: when interest rates go down, as maybe they will one day, 406 00:23:26,780 --> 00:23:31,540 Suze: who knows? Well then you're doing OK with bonds, but 407 00:23:31,540 --> 00:23:34,530 Suze: if interest rates stay up like they are right now, 408 00:23:34,780 --> 00:23:36,920 Suze: bonds are not going to help you when it comes 409 00:23:36,920 --> 00:23:41,619 Suze: to growth. So I like dividend paying stocks or ETFs. 410 00:23:41,810 --> 00:23:43,069 Suze: Talk to me, boyfriend. 411 00:23:43,859 --> 00:23:46,069 Keith: I'd be happy to. So I just happen to have 412 00:23:46,069 --> 00:23:48,819 Keith: a handy dandy cheat sheet here of some names that 413 00:23:48,819 --> 00:23:51,550 Keith: I really do like because you want two things. You 414 00:23:51,550 --> 00:23:54,250 Keith: want quality and stability when it comes to growth and income, right? 415 00:23:54,430 --> 00:23:56,030 Suze: Is that because you knew I was going to ask 416 00:23:56,030 --> 00:23:57,550 Suze: you for individual names? 417 00:23:57,910 --> 00:23:59,500 Keith: No, I'm good that way. 418 00:23:59,750 --> 00:24:00,150 Suze: All right. 419 00:24:00,229 --> 00:24:02,709 Suze: Good. There we go. Tell everybody what you think. Let's 420 00:24:02,709 --> 00:24:04,810 Suze: see if I agree with you this time. All right. 421 00:24:05,390 --> 00:24:07,790 Keith: Exactly. So I think you want a combination of the two. 422 00:24:07,869 --> 00:24:10,589 Keith: Now one of my favorite funds because it plays to 423 00:24:10,589 --> 00:24:12,910 Keith: many of the themes we're talking about, but you get 424 00:24:12,910 --> 00:24:15,430 Keith: growth and you get income, is you got the Fidelity 425 00:24:15,430 --> 00:24:16,649 Keith: Contra Fund, right? 426 00:24:17,010 --> 00:24:20,869 Keith: It's a good old fashioned plainly run, very experienced senior 427 00:24:20,869 --> 00:24:25,890 Keith: level fund. The ticker is FCNTX. You've got active US 428 00:24:25,890 --> 00:24:29,520 Keith: large cap growth. You've got top holdings of Meta, Nvidia, Amazon, 429 00:24:29,729 --> 00:24:32,129 Keith: you know, names we talk about regularly, and a low expense. Well, 430 00:24:32,209 --> 00:24:34,969 Keith: the expense ratio is 0.74%, but you get what you 431 00:24:34,969 --> 00:24:35,449 Keith: pay for. 432 00:24:36,000 --> 00:24:38,959 Keith: The other thing that gives great stability is the granddaddy 433 00:24:38,959 --> 00:24:44,040 Keith: fund of them all, Vanguard Wellington, 60/40 bonds, roughly, it 434 00:24:44,040 --> 00:24:45,880 Keith: varies from time to time, but it's been around since 435 00:24:45,880 --> 00:24:51,719 Keith: 1929 and you're talking fabulous stocks, quality picks, good appropriate 436 00:24:51,719 --> 00:24:54,359 Keith: balance between growth, income, and stability. 437 00:24:54,709 --> 00:24:56,310 Keith: So, you know, just the kind of fun, if I 438 00:24:56,310 --> 00:24:58,629 Keith: were sitting around and I had the option to do 439 00:24:58,630 --> 00:25:01,770 Keith: stocks and bonds that I would personally try to create, 440 00:25:01,900 --> 00:25:04,109 Keith: but you don't have to do that anymore. Vanguard did 441 00:25:04,109 --> 00:25:05,790 Keith: it and they did it a long time ago. It's very, 442 00:25:05,910 --> 00:25:06,709 Keith: very well run. 443 00:25:07,229 --> 00:25:11,760 Keith: And then finally, if we look internationally, right, the iShares 444 00:25:11,760 --> 00:25:19,359 Keith: International dividend Growth ETF IGRO, which tracks the XS dividend 445 00:25:19,359 --> 00:25:21,800 Keith: growth index. I have to read this because it's very, 446 00:25:21,910 --> 00:25:24,520 Keith: very particular language of its own, but what that means 447 00:25:24,520 --> 00:25:26,468 Keith: in plain English is it's looking at the rest of 448 00:25:26,469 --> 00:25:29,800 Keith: the world looking for great dividend producing companies that are 449 00:25:29,800 --> 00:25:32,390 Keith: outside the United States, and that should be some wonderful 450 00:25:32,390 --> 00:25:35,159 Keith: names to think about to potentially get started with. They 451 00:25:35,160 --> 00:25:36,540 Keith: will offer you a great combination. 452 00:25:37,339 --> 00:25:40,300 Suze: So a lot of you will have Schwab dividend, Noble, 453 00:25:40,579 --> 00:25:41,599 Suze: all of those. 454 00:25:41,699 --> 00:25:44,680 Keith: I forgot to mention that one, the Schwab dividend Fund. Yes, 455 00:25:45,099 --> 00:25:46,139 Keith: great one, great choice. 456 00:25:46,500 --> 00:25:49,780 Suze: All right, so, and that those are just some dividend 457 00:25:49,780 --> 00:25:52,260 Suze: ETFs that also offer you growth. 458 00:25:52,680 --> 00:25:55,239 Suze: That you might consider now I'm just gonna put a 459 00:25:55,239 --> 00:25:58,560 Suze: pin in all of this for a second and you know, Keith, 460 00:25:58,719 --> 00:26:02,579 Suze: things change and you know they change. So here we 461 00:26:02,579 --> 00:26:08,879 Suze: are giving this webinar June 4th, 2026. Would you be 462 00:26:08,880 --> 00:26:13,040 Suze: willing to join forces with me to make sure that 463 00:26:13,040 --> 00:26:17,349 Suze: everybody who's registered for this webinar and the last one. 464 00:26:17,839 --> 00:26:21,689 Suze: That we do a quarterly update for them about everything 465 00:26:21,689 --> 00:26:25,569 Suze: that we've recommended, how things are doing, and if anything 466 00:26:25,569 --> 00:26:28,989 Suze: is changing. You up for that, doing that with me. 467 00:26:29,369 --> 00:26:31,770 Keith: What an honor. I would love to. That's a great idea. 468 00:26:31,939 --> 00:26:35,530 Suze: Yeah. All right, so everybody just know, given that you're 469 00:26:35,530 --> 00:26:40,050 Suze: watching this, in three months, if we have your legit 470 00:26:40,050 --> 00:26:42,169 Suze: email and everything, we will 471 00:26:42,314 --> 00:26:45,685 Suze: send you a quarterly update in terms of how did 472 00:26:45,685 --> 00:26:48,244 Suze: we do with recommendations. Actually, how did Keith do, but 473 00:26:48,244 --> 00:26:51,354 Suze: that's besides the point. Maybe I will add some of 474 00:26:51,354 --> 00:26:54,925 Suze: my own recommendations to it and just to keep you 475 00:26:54,925 --> 00:26:58,364 Suze: abreast as to what's happening in the economy, interest rates, 476 00:26:58,405 --> 00:27:02,484 Suze: and things you need to know. Let's jump for a 477 00:27:02,484 --> 00:27:06,645 Suze: second here to real estate, OK. 478 00:27:07,920 --> 00:27:13,239 Suze: Real estate. I personally am not a fan right now 479 00:27:13,589 --> 00:27:18,400 Suze: of real estate, and the reasons are plentiful out there, 480 00:27:18,459 --> 00:27:22,419 Suze: but mainly it's not because of what mortgage rates are at. 481 00:27:22,599 --> 00:27:27,359 Suze: Oh no, no, it's because what's happening in the climate. 482 00:27:28,739 --> 00:27:31,438 Suze: You cannot watch television today, in my opinion. 483 00:27:31,939 --> 00:27:38,829 Suze: And see anything other than destruction, floods, hurricanes, tornadoes, all 484 00:27:38,829 --> 00:27:43,109 Suze: these things that are happening that are actually affecting the 485 00:27:43,109 --> 00:27:48,770 Suze: possibility of you maybe losing your home, that's number one. 486 00:27:49,069 --> 00:27:52,469 Suze: But number two, because of all that destruction that's happening. 487 00:27:52,869 --> 00:27:59,520 Suze: Insurance is over the top. It just is. So you 488 00:27:59,520 --> 00:28:03,060 Suze: have to know that unless you own your house outright, 489 00:28:03,540 --> 00:28:08,400 Suze: that you can afford the insurance premiums, the property taxes, 490 00:28:08,599 --> 00:28:11,500 Suze: the maintenance, and the climate risk. 491 00:28:12,140 --> 00:28:16,650 Suze: When you own a piece of real estate, especially your home, 492 00:28:16,979 --> 00:28:20,419 Suze: so I don't know. I don't think that the American 493 00:28:20,420 --> 00:28:23,319 Suze: dream has to be more where you own a home. 494 00:28:23,939 --> 00:28:26,609 Suze: I want you to have money. I want you to 495 00:28:26,609 --> 00:28:29,699 Suze: have security. I want you to know that no matter 496 00:28:29,699 --> 00:28:33,520 Suze: what happens in the climate or whatever in your life, 497 00:28:33,689 --> 00:28:38,300 Suze: that you're OK. However, there is a way to own 498 00:28:38,300 --> 00:28:38,660 Suze: real estate 499 00:28:39,790 --> 00:28:44,569 Suze: without owning a piece of property or a rental property itself. 500 00:28:44,829 --> 00:28:48,180 Suze: Tell everybody, Keith, see if you know what I'm thinking about. 501 00:28:48,390 --> 00:28:50,869 Keith: I do. I do, and you're gonna get into something 502 00:28:50,869 --> 00:28:53,530 Keith: called a real estate investment trust, yes. 503 00:28:54,290 --> 00:28:57,520 Keith: Yeah, yeah, and real estate investment trusts are a great 504 00:28:57,780 --> 00:29:01,140 Keith: potential investment because if you get the right one, you 505 00:29:01,140 --> 00:29:03,859 Keith: can get people who spend all of their time on 506 00:29:03,859 --> 00:29:07,060 Keith: real estate who have appropriate income coming in. You can 507 00:29:07,060 --> 00:29:10,060 Keith: get growth in professional management for not a lot of 508 00:29:10,060 --> 00:29:12,699 Keith: money without all the hassle or the risk that Suze 509 00:29:12,699 --> 00:29:13,479 Keith: just spoke about. 510 00:29:14,329 --> 00:29:18,150 Suze: So if they were to buy some REITs, and listen everybody, 511 00:29:18,209 --> 00:29:21,869 Suze: I'm not here saying you shouldn't buy a primary residency, 512 00:29:21,969 --> 00:29:24,310 Suze: you shouldn't own a home, you shouldn't do whatever, but 513 00:29:24,760 --> 00:29:26,829 Suze: those of you especially, 514 00:29:27,209 --> 00:29:31,170 Suze: that take real estate as your income, as the way 515 00:29:31,170 --> 00:29:35,729 Suze: you invest. I know people out there, Keith, that have 100% 516 00:29:35,729 --> 00:29:40,589 Suze: of their investments in real estate, apartments, this and that, 517 00:29:40,930 --> 00:29:44,209 Suze: because in the past they went up so much in value. 518 00:29:44,349 --> 00:29:46,790 Suze: And it was very different in the past and they 519 00:29:46,790 --> 00:29:51,430 Suze: still own them. So I'm talking about today. There are 520 00:29:51,430 --> 00:29:55,670 Suze: other ways, everybody, to make money other than buying a home, 521 00:29:55,829 --> 00:29:59,949 Suze: flipping it, having four rental properties, depending on somebody to 522 00:29:59,949 --> 00:30:01,390 Suze: be able to pay you rent. 523 00:30:01,709 --> 00:30:05,030 Suze: There are, and I personally think more wealth will be 524 00:30:05,030 --> 00:30:08,699 Suze: built in the stock market and owning the right ETFs, 525 00:30:08,750 --> 00:30:12,670 Suze: the right individual stocks, the right REITs, and so forth 526 00:30:12,869 --> 00:30:14,829 Suze: than real estate. Before I go on, do you agree 527 00:30:14,829 --> 00:30:16,290 Suze: with that or not, Keith? 528 00:30:16,750 --> 00:30:19,339 Keith: I do, and I'll tell you why, because I've lived through, 529 00:30:19,390 --> 00:30:21,500 Keith: you know, I remember if you remember the S&L crisis, 530 00:30:21,550 --> 00:30:24,469 Keith: if you remember Japan in the 90s, you know, I've 531 00:30:24,469 --> 00:30:28,189 Keith: personally witnessed several major real estate crashes during the course 532 00:30:28,189 --> 00:30:31,469 Keith: of my career. So I'm a huge fan of REITs, 533 00:30:31,630 --> 00:30:35,939 Keith: particularly if they're properly constructed in the right types of property. 534 00:30:36,349 --> 00:30:38,310 Suze: What are they, Keith? Do you have any on hand 535 00:30:38,310 --> 00:30:39,569 Suze: that you might want to suggest? 536 00:30:40,349 --> 00:30:42,349 Keith: Well, I tell you what, there's a couple, and this, 537 00:30:42,469 --> 00:30:44,910 Keith: this is an environment that is changing very rapidly. And 538 00:30:44,910 --> 00:30:47,150 Keith: so let me just give a couple of caveats. I 539 00:30:47,150 --> 00:30:51,890 Keith: would stay away from anything that is Class A office space, 540 00:30:51,989 --> 00:30:54,750 Keith: meaning big towers, all the kind of stuff you see 541 00:30:54,750 --> 00:30:57,900 Keith: in television that's vacant where the urban areas are struggling. 542 00:30:58,109 --> 00:31:01,670 Keith: I would stay away from shopping malls and strip malls 543 00:31:01,670 --> 00:31:04,180 Keith: and any of those things that, that again, you know, 544 00:31:04,349 --> 00:31:06,829 Keith: used to be great sort of backbones for REITs 545 00:31:07,719 --> 00:31:10,119 Keith: and I would instead flip that around to the things 546 00:31:10,119 --> 00:31:12,160 Keith: you and I've been talking about, the big themes of 547 00:31:12,160 --> 00:31:15,060 Keith: our time, one of which is we're all getting older 548 00:31:15,439 --> 00:31:18,079 Keith: and so if you look for REITs that focus on 549 00:31:18,079 --> 00:31:22,680 Keith: medical care, post-surgical, geriatrics, longevity, you know, my favorite is 550 00:31:22,680 --> 00:31:26,569 Keith: Care Trust CTRE because of all of those things. That's 551 00:31:26,569 --> 00:31:30,500 Keith: a growth trend in an industry that is otherwise unstable. 552 00:31:30,880 --> 00:31:33,699 Suze: And what's the dividend that that thing's paying right now? 553 00:31:34,510 --> 00:31:35,790 Keith: I knew you were going to ask me that, and 554 00:31:35,790 --> 00:31:37,930 Keith: I am having a brain cramp, and I don't have 555 00:31:37,930 --> 00:31:38,469 Keith: that off the top of... 556 00:31:38,540 --> 00:31:40,790 Suze: I think it's like 3 or 4% right now, but 557 00:31:40,790 --> 00:31:46,699 Suze: it's not bad for Care Trust or other REITs. Should 558 00:31:46,699 --> 00:31:50,680 Suze: they be owned inside of a retirement account or outside? 559 00:31:51,239 --> 00:31:53,319 Keith: I'm gonna defer to you on that one because you've 560 00:31:53,319 --> 00:31:55,939 Keith: really got more expertise in that area than I do. 561 00:31:56,050 --> 00:31:58,329 Keith: I'm of course going to say, you know what, you 562 00:31:58,329 --> 00:32:00,390 Keith: got to talk to your advisor on that, but you 563 00:32:00,390 --> 00:32:02,089 Keith: have been talking about this for years, Suze, so I'm 564 00:32:02,089 --> 00:32:02,760 Keith: gonna flip that one back... 565 00:32:02,800 --> 00:32:06,250 Suze: A lot of them because of how the income is taxed. 566 00:32:06,400 --> 00:32:09,310 Suze: Everybody, you would be far better off in my opinion, 567 00:32:09,319 --> 00:32:12,920 Suze: and the majority of REITs that you own should be 568 00:32:12,920 --> 00:32:19,199 Suze: owned within a retirement account, not outside. That's why it's important, seriously, 569 00:32:19,239 --> 00:32:21,520 Suze: that you did you see what Keith just did? 570 00:32:22,219 --> 00:32:25,939 Suze: There's a part that I know. Maybe Keith doesn't know 571 00:32:25,939 --> 00:32:28,430 Suze: when you should have a Roth IRA or an IRA 572 00:32:28,430 --> 00:32:31,280 Suze: or should you convert or should you not or whatever 573 00:32:31,280 --> 00:32:34,939 Suze: it may be. That's why really, Keith, we need to 574 00:32:34,939 --> 00:32:36,300 Suze: do a podcast together. 575 00:32:36,540 --> 00:32:37,900 Keith: We should, shouldn't we? That'd be fun. 576 00:32:38,619 --> 00:32:40,500 Suze: I don't know if I could take you every week. 577 00:32:42,390 --> 00:32:43,469 Keith: That's another story. 578 00:32:43,630 --> 00:32:48,150 Suze: That's a whole another story. But anyway, you need both 579 00:32:48,150 --> 00:32:51,910 Suze: of these things just so you know, to make your 580 00:32:51,910 --> 00:32:56,979 Suze: entire financial home really in perfect order. Do you have 581 00:32:56,979 --> 00:32:58,969 Suze: any others besides Care Trust? 582 00:32:59,520 --> 00:33:01,790 Keith: Well, there's a class that I want people to look 583 00:33:01,790 --> 00:33:04,189 Keith: at very seriously, and the two names that are in 584 00:33:04,189 --> 00:33:06,430 Keith: there are neck and neck. You know, I want people 585 00:33:06,430 --> 00:33:10,290 Keith: to think seriously about some of the public storage type 586 00:33:10,390 --> 00:33:15,030 Keith: ETFs or excuse me, REITs. And the reason is that 587 00:33:15,030 --> 00:33:19,310 Keith: as people begin to move around, as the housing market changes, 588 00:33:19,390 --> 00:33:22,589 Keith: as we've seen the migrations from to and from various 589 00:33:22,589 --> 00:33:23,520 Keith: states in this country. 590 00:33:23,920 --> 00:33:26,219 Keith: There's a lot of people who have to put stuff 591 00:33:26,219 --> 00:33:30,160 Keith: in storage. Now that can be a very significant source 592 00:33:30,160 --> 00:33:33,760 Keith: of income. And because I haven't vetted the two choices 593 00:33:33,760 --> 00:33:35,869 Keith: I'm thinking about, I'm just going to say, you know what, 594 00:33:36,359 --> 00:33:41,040 Keith: look at the public storage, type REITs, they see what 595 00:33:41,040 --> 00:33:44,520 Keith: you think. I'm very convinced that they are the real thing. 596 00:33:45,060 --> 00:33:47,869 Suze: Right, so that's one of the reasons, Keith, we need 597 00:33:47,869 --> 00:33:51,150 Suze: to do a quarterly update, because hopefully in three months 598 00:33:51,150 --> 00:33:53,189 Suze: you will have done your research and you can tell 599 00:33:53,189 --> 00:33:56,849 Suze: them what the public storage REITs happen to be. 600 00:33:57,150 --> 00:33:59,069 Keith: I will be able to do that, but one of 601 00:33:59,069 --> 00:34:01,589 Keith: the challenges in this business, right, in the world that 602 00:34:01,589 --> 00:34:02,530 Keith: I live in. 603 00:34:02,920 --> 00:34:06,900 Keith: I can't make recommendations flippantly. I've got to have the 604 00:34:06,900 --> 00:34:09,860 Keith: data to support it because, you know, if people are 605 00:34:09,860 --> 00:34:11,770 Keith: going to place their trust in me, that's something I 606 00:34:11,770 --> 00:34:14,779 Keith: take very, very seriously. I want to make sure I 607 00:34:14,780 --> 00:34:17,439 Keith: have my ducks in a row. So that's why respectfully, 608 00:34:17,699 --> 00:34:20,209 Keith: I don't have names on those two that I'm talking 609 00:34:20,209 --> 00:34:20,698 Keith: about just now. 610 00:34:21,340 --> 00:34:25,679 Suze: But you will in 3 months from now. All right, so... 611 00:34:26,179 --> 00:34:30,219 Suze: We've covered that. Let's briefly touch on bonds and just 612 00:34:30,219 --> 00:34:33,810 Suze: your opinion on bonds. I gave everybody my opinion. If 613 00:34:33,810 --> 00:34:35,759 Suze: you agree with me on it, then we can go on. 614 00:34:35,820 --> 00:34:36,639 Suze: What do you think? 615 00:34:37,219 --> 00:34:41,860 Keith: Well, bonds are far more dangerous than people realize right now. 616 00:34:41,939 --> 00:34:45,429 Keith: The global bond market, I think, is something like 160 617 00:34:45,429 --> 00:34:47,820 Keith: some odd trillion dollars. It's bigger than the stock market, 618 00:34:47,909 --> 00:34:49,779 Keith: which is $140 trillion or something. 619 00:34:50,229 --> 00:34:53,628 Keith: But the problem with the bond markets is structural, Suze, 620 00:34:53,698 --> 00:34:56,397 Keith: and let me explain what that means. Everybody talks about 621 00:34:56,398 --> 00:34:58,589 Keith: just like rates and here's the bond and here's this. 622 00:34:58,829 --> 00:35:01,989 Keith: What they don't understand is that institutions like pension funds 623 00:35:01,989 --> 00:35:05,638 Keith: and endowments and family offices, they have to go to 624 00:35:05,638 --> 00:35:07,518 Keith: market to buy these bonds. So they're effectively captive. 625 00:35:08,270 --> 00:35:11,949 Keith: This is why the Fed is struggling. So bonds to 626 00:35:11,949 --> 00:35:15,189 Keith: me are far more dangerous than people realize because of 627 00:35:15,189 --> 00:35:18,408 Keith: the institutional involvement. It's not just about the rates anymore. 628 00:35:18,709 --> 00:35:22,070 Keith: I would rather see quality stocks with quality management than 629 00:35:22,070 --> 00:35:24,360 Keith: a passive index that could go up or down based 630 00:35:24,360 --> 00:35:25,070 Keith: on a whim. 631 00:35:25,919 --> 00:35:27,179 Suze: All right, next. 632 00:35:28,419 --> 00:35:29,100 Suze: Gold. 633 00:35:29,389 --> 00:35:30,020 Keith: Oh, here we go. 634 00:35:30,459 --> 00:35:34,300 Suze: Yeah, I know. And gold has been very controversial because 635 00:35:34,300 --> 00:35:36,260 Suze: so many people, I think I told all of you 636 00:35:36,260 --> 00:35:38,899 Suze: this before, I would meet people and they'd go, Suze, 637 00:35:38,979 --> 00:35:41,899 Suze: you'd be so proud of me. I sold all of 638 00:35:41,899 --> 00:35:46,219 Suze: my stock and put 100% into it, physical gold, and 639 00:35:46,219 --> 00:35:49,399 Suze: I'm like, You idiot, are you kidding me? My goodness, 640 00:35:49,939 --> 00:35:52,139 Suze: would you be a buyer of gold hair or would 641 00:35:52,139 --> 00:35:55,020 Suze: you not, or would you be a seller of gold hair? 642 00:35:55,639 --> 00:36:00,429 Keith: Gold is a walkaway trade to me because of the institutions. 643 00:36:00,760 --> 00:36:03,510 Keith: People think they're buying gold and it's about the metal, 644 00:36:03,560 --> 00:36:06,229 Keith: it's about the currencies, it's about the dollar, it's about 645 00:36:06,229 --> 00:36:10,800 Keith: all these macro factors. It is not anymore. The linkage 646 00:36:10,800 --> 00:36:13,879 Keith: between gold and rates that had existed for 100 years 647 00:36:13,879 --> 00:36:19,040 Keith: broke in '21, '22, '23. And what you've got now, Suze, 648 00:36:19,120 --> 00:36:22,859 Keith: is a big institutional mosh pit. 649 00:36:23,320 --> 00:36:26,770 Keith: And there's options and futures and contracts as much as 650 00:36:26,770 --> 00:36:31,529 Keith: $50 in paper gold for every $1 in real gold. 651 00:36:31,570 --> 00:36:35,449 Keith: And what that means is that history shows we potentially 652 00:36:35,449 --> 00:36:39,310 Keith: are looking at a 20, 40%, even a 50% decline 653 00:36:39,449 --> 00:36:41,790 Keith: from the peak that was hit earlier this year. 654 00:36:42,639 --> 00:36:45,600 Suze: So obviously I've told many of you if you want 655 00:36:45,600 --> 00:36:48,399 Suze: to invest in gold, I don't have a problem with 656 00:36:48,399 --> 00:36:52,520 Suze: you putting a small amount, 1%, 2%, 3% - small into 657 00:36:52,520 --> 00:36:55,360 Suze: the ETF gold. You can disagree with me, Keith. Do 658 00:36:55,360 --> 00:36:56,389 Suze: you disagree with that? 659 00:36:56,639 --> 00:36:58,639 Keith: No, I don't. I think that, you know, again from 660 00:36:58,639 --> 00:37:01,759 Keith: a broader perspective, if you've got a little bit and 661 00:37:01,760 --> 00:37:05,189 Keith: the objective is to help stabilize everything else you own, 662 00:37:05,439 --> 00:37:06,459 Keith: that's a great idea. 663 00:37:06,830 --> 00:37:12,489 Suze: All right, one last topic then I will let you go. Bitcoin, crypto, 664 00:37:12,709 --> 00:37:13,330 Suze: your opinion. 665 00:37:14,350 --> 00:37:16,949 Keith: Well, it's one of those things that is sort of 666 00:37:16,949 --> 00:37:21,429 Keith: a mix between reality, fantasy, and delusion. I think probably 667 00:37:21,429 --> 00:37:24,110 Keith: owning a little bit of Bitcoin is great. I don't 668 00:37:24,110 --> 00:37:26,989 Keith: personally own any right now. I own the institutions that 669 00:37:26,989 --> 00:37:30,070 Keith: are moving it and trading it and developing all of 670 00:37:30,070 --> 00:37:33,629 Keith: the institutional vehicles that trade around it, but I don't 671 00:37:33,629 --> 00:37:35,750 Keith: like it itself. So if you're going to own it, 672 00:37:35,790 --> 00:37:39,629 Keith: you want to go into the ETF that you have recommended. 673 00:37:40,169 --> 00:37:45,820 Suze: All right, and the ETF that I've recommended is IBIT, IBIT. So, 674 00:37:45,969 --> 00:37:48,560 Suze: if you wanna do Bitcoin, that's how I would do it. 675 00:37:48,610 --> 00:37:50,320 Suze: I know a lot of you like to do it, 676 00:37:50,689 --> 00:37:54,049 Suze: just buying the Bitcoin, like buying the gold, but that 677 00:37:54,050 --> 00:37:55,889 Suze: is up to you. 678 00:37:57,189 --> 00:38:01,709 Suze: Now, don't go anywhere, anybody, because what we're gonna talk 679 00:38:01,709 --> 00:38:04,270 Suze: about actually what I'm gonna talk about after we say 680 00:38:04,270 --> 00:38:10,549 Suze: goodbye to Fitzy here, is my birthday and you know Fitzy. 681 00:38:11,139 --> 00:38:14,020 Suze: I'm so much older than you. Could I be your mother? 682 00:38:14,179 --> 00:38:15,250 Suze: Is that possible? 683 00:38:15,699 --> 00:38:17,819 Keith: No, it's not possible, but we're kindred spirits. 684 00:38:18,060 --> 00:38:20,149 Suze: I could be your older sister, right? 685 00:38:20,500 --> 00:38:21,139 Keith: Bingo. 686 00:38:21,340 --> 00:38:24,419 Suze: All right, so I want to talk to you about 687 00:38:24,419 --> 00:38:28,620 Suze: other things now, just briefly about things that you may 688 00:38:28,620 --> 00:38:32,379 Suze: not want, but I am telling you you need, you need, 689 00:38:32,449 --> 00:38:35,419 Suze: and we have a special birthday pricing on it, but, 690 00:38:35,685 --> 00:38:37,965 Suze: I just want to wish you the best of luck 691 00:38:37,965 --> 00:38:43,604 Suze: with your ETF. Again, the symbol, everybody is FITZ. Your 692 00:38:43,604 --> 00:38:48,084 Suze: dollar cost averaging into it. It's about $25.26 dollars a 693 00:38:48,084 --> 00:38:51,725 Suze: share right in there. It's something I really think all 694 00:38:51,725 --> 00:38:55,685 Suze: of you should do. And again, congratulations, boyfriend. 695 00:38:56,044 --> 00:38:58,564 Keith: Thank you so very much, Suze. That's, it's a real 696 00:38:58,564 --> 00:38:59,964 Keith: humbling journey and thank you. 697 00:39:00,479 --> 00:39:03,379 Suze: Don't you just love him? I have to tell you, 698 00:39:03,570 --> 00:39:07,199 Suze: I adore that man, not just because of who he is, 699 00:39:07,320 --> 00:39:10,459 Suze: not just because I trust him, but he is just 700 00:39:10,719 --> 00:39:15,759 Suze: such a great human being. All right, next, Listen, it 701 00:39:15,760 --> 00:39:20,459 Suze: takes more than just exchange traded funds, individual stocks, bonds, 702 00:39:20,600 --> 00:39:26,909 Suze: Bitcoin for your entire financial picture to be 100% secure. 703 00:39:27,600 --> 00:39:31,709 Suze: And therefore, I wanna talk to you right now briefly 704 00:39:32,169 --> 00:39:35,530 Suze: about just a few things that every single one of 705 00:39:35,530 --> 00:39:39,850 Suze: you needs if you already don't have it. Forever I've 706 00:39:39,850 --> 00:39:44,469 Suze: been talking to you about the Must-Have Documents. What are they? 707 00:39:45,000 --> 00:39:48,969 Suze: A will, a living revocable trust, an advanced directive, a 708 00:39:48,969 --> 00:39:52,250 Suze: durable power of attorney, and a durable power of attorney 709 00:39:52,250 --> 00:39:56,020 Suze: for finances. You need them. You may not want them, 710 00:39:56,250 --> 00:39:59,909 Suze: but I promise you, you need them. 711 00:40:00,135 --> 00:40:02,375 Suze: And for years, so many of you said to me, Suze, 712 00:40:02,455 --> 00:40:05,455 Suze: we don't have the money. It's $2,500 when we go 713 00:40:05,455 --> 00:40:09,495 Suze: to a lawyer or $5,000. We just can't afford them 714 00:40:09,495 --> 00:40:12,004 Suze: and we don't even know who to go to get them. 715 00:40:12,375 --> 00:40:17,935 Suze: So for over 20 years now, these Must-Have Documents have been 716 00:40:17,935 --> 00:40:24,764 Suze: serving tens of millions of you. Now currently, if you 717 00:40:24,764 --> 00:40:29,033 Suze: were to buy them on musthavedocs.com. 718 00:40:29,709 --> 00:40:37,590 Suze: They're $99. However, it is my 75th birthday, and on 719 00:40:37,590 --> 00:40:43,100 Suze: my birthday I love to give birthday presents. In this case, 720 00:40:43,229 --> 00:40:44,830 Suze: I'm not the one giving it to you. 721 00:40:45,570 --> 00:40:48,638 Suze: Hay House is the one giving it to you since 722 00:40:48,639 --> 00:40:55,139 Suze: they control the Must-Have Documents. It is theirs now. So starting 723 00:40:55,239 --> 00:41:01,120 Suze: right here all the way through till Monday night at midnight, 724 00:41:01,479 --> 00:41:07,489 Suze: the price is $75. Now you may think that's a 725 00:41:07,489 --> 00:41:11,840 Suze: big deal going from $99 to $75. I personally do. 726 00:41:12,520 --> 00:41:17,000 Suze: However, here's what you all need to know. Sometime at 727 00:41:17,000 --> 00:41:21,299 Suze: the end of June, maybe around June 22nd, the price 728 00:41:21,300 --> 00:41:27,540 Suze: is going up to $153. So if there was ever 729 00:41:27,540 --> 00:41:28,600 Suze: a time 730 00:41:29,300 --> 00:41:34,659 Suze: that you were going to purchase the Must-Have Documents. Now is 731 00:41:34,659 --> 00:41:37,360 Suze: the time. That's all I want to say to all 732 00:41:37,360 --> 00:41:41,850 Suze: of you. So again, good in all 50 states. Updates 733 00:41:41,850 --> 00:41:44,979 Suze: are free. You can share it with family members. Are 734 00:41:44,979 --> 00:41:49,520 Suze: you kidding me? Something you should all look into. 735 00:41:50,129 --> 00:41:53,560 Suze: Next, one thing that is happening throughout the entire United 736 00:41:53,560 --> 00:41:58,939 Suze: States is all of us are being subjected to scams. 737 00:41:58,959 --> 00:42:00,139 Suze: You know, it used to be 738 00:42:00,620 --> 00:42:04,860 Suze: identity theft protection. That's what we cared about. We got 739 00:42:04,860 --> 00:42:08,379 Suze: this one and that one. We protected our identity. But 740 00:42:08,379 --> 00:42:13,139 Suze: then the scammers went beyond stealing our identity. Who cares 741 00:42:13,139 --> 00:42:17,779 Suze: about our identity when they can steal our money? And 742 00:42:17,780 --> 00:42:20,739 Suze: how do they do that? They come directly into your 743 00:42:20,739 --> 00:42:25,290 Suze: home via email, however it may be, and they connect 744 00:42:25,290 --> 00:42:27,100 Suze: with you. And before you know it. 745 00:42:27,510 --> 00:42:31,750 Suze: You have been subjected to a scam. You're investing in something. 746 00:42:31,949 --> 00:42:34,750 Suze: They got your money. They pretended that your daughter or 747 00:42:34,750 --> 00:42:40,110 Suze: somebody was in an accident. Happens every way possible. But 748 00:42:40,110 --> 00:42:44,669 Suze: here's what's so sad identity theft doesn't solve that problem 749 00:42:44,669 --> 00:42:50,429 Suze: for you. You need a product. You need protection 750 00:42:50,949 --> 00:42:54,909 Suze: within that product so that if you are scammed or 751 00:42:54,909 --> 00:42:58,489 Suze: let's say you suffer a fraud, somebody actually did something 752 00:42:58,489 --> 00:43:01,310 Suze: to you and it wasn't even real. Sometimes it's known 753 00:43:01,310 --> 00:43:04,750 Suze: as a scam sometimes people call it frauds, all right, 754 00:43:04,790 --> 00:43:08,590 Suze: whatever it may be, you need your money back if 755 00:43:08,590 --> 00:43:12,270 Suze: you lost money. So about a year or two ago 756 00:43:12,270 --> 00:43:15,729 Suze: I started to work with a very well renowned company 757 00:43:16,070 --> 00:43:19,209 Suze: called Who Nord. All right. 758 00:43:19,850 --> 00:43:25,760 Suze: And together we created what's called the Ultimate Scam Protection. Now, 759 00:43:25,820 --> 00:43:28,659 Suze: let me tell you briefly how it works. If you 760 00:43:28,659 --> 00:43:32,439 Suze: suffer the loss of money online. 761 00:43:33,379 --> 00:43:38,139 Suze: Then in the majority of cases they will replace up 762 00:43:38,139 --> 00:43:43,439 Suze: to $100,000 of any amount of money that you lost 763 00:43:43,580 --> 00:43:48,979 Suze: with a scam that started online. Of course this product 764 00:43:48,979 --> 00:43:52,060 Suze: also has identity theft protection because you all want it. 765 00:43:52,340 --> 00:43:55,979 Suze: It has cyber attack protection. It has so many things 766 00:43:55,979 --> 00:43:57,860 Suze: in it, it's not even funny. 767 00:43:58,419 --> 00:44:02,149 Suze: But it's something that I really think every single one 768 00:44:02,149 --> 00:44:07,169 Suze: of you needs to get. I have it. KT has it, 769 00:44:07,550 --> 00:44:10,989 Suze: every one of you. So in the same way that 770 00:44:10,989 --> 00:44:14,750 Suze: all of you need the Must-Have Documents, you all need 771 00:44:14,750 --> 00:44:16,879 Suze: the Ultimate Scam Protection. 772 00:44:16,919 --> 00:44:24,100 Suze: Now normally it's $95.88 and that's per person. There isn't 773 00:44:24,100 --> 00:44:28,429 Suze: family plans or anything. Every individual needs it. So if 774 00:44:28,429 --> 00:44:34,569 Suze: you're married, you both need it, for instance. However, today 775 00:44:34,909 --> 00:44:39,590 Suze: all the way through till Monday midnight Pacific time. 776 00:44:39,959 --> 00:44:45,679 Suze: It's $75 so if I were you, I would so 777 00:44:45,679 --> 00:44:49,600 Suze: take advantage of those two offerings right now. It's not 778 00:44:49,600 --> 00:44:53,069 Suze: even funny. And last but not least is the Ultimate 779 00:44:53,070 --> 00:44:57,779 Suze: Retirement Guide for 50+. Listen, it's still $10. 780 00:44:58,340 --> 00:45:01,709 Suze: And the reason that it's $10 it's, it's, it's hardback. 781 00:45:02,179 --> 00:45:05,209 Suze: We pay for shipping. We can't go any lower than 782 00:45:05,209 --> 00:45:08,659 Suze: that because nobody's making any money on it, but if 783 00:45:08,659 --> 00:45:12,689 Suze: you are 50 or older, you wanna know a plan 784 00:45:12,689 --> 00:45:16,659 Suze: how to live an ultimate retirement, that is the guide 785 00:45:16,659 --> 00:45:20,179 Suze: for you. So those are the three things that I 786 00:45:20,179 --> 00:45:25,819 Suze: want all of you to consider purchasing before the deadline 787 00:45:25,820 --> 00:45:27,820 Suze: Monday when? 788 00:45:28,489 --> 00:45:33,408 Suze: Midnight Pacific time. So that look into FITZ and to 789 00:45:33,409 --> 00:45:35,250 Suze: all of you, there's only one thing that I want 790 00:45:35,250 --> 00:45:37,009 Suze: you to remember when it comes to your money, and 791 00:45:37,010 --> 00:45:41,409 Suze: it is this people first, then money, then things. Now 792 00:45:41,409 --> 00:45:43,049 Suze: you stay safe. 793 00:45:43,330 --> 00:45:43,850 Suze: Bye bye.