1 00:00:08,810 --> 00:00:13,189 Suze: June 4th, 2026. Welcome everybody to the Women and Money 2 00:00:13,189 --> 00:00:18,229 Suze: podcast and everybody smart enough to listen. Today is what KT? 3 00:00:19,420 --> 00:00:22,219 KT: It's Ask Suze and KT anything. 4 00:00:22,459 --> 00:00:24,340 Suze: Why did you put my name first? It's always when 5 00:00:24,340 --> 00:00:25,600 Suze: you do it, you say... 6 00:00:25,600 --> 00:00:26,770 KT: It's 'cause today your name goes first. 7 00:00:27,670 --> 00:00:28,030 Suze: And why is that? 8 00:00:28,620 --> 00:00:33,479 KT: Because today is a very auspicious day. Tonight is the webinar, 9 00:00:33,580 --> 00:00:34,619 KT: the long awaited 10 00:00:35,080 --> 00:00:40,040 KT: webinar featuring Suze and Keith. I can't wait to hear 11 00:00:40,040 --> 00:00:44,519 KT: what Keith has to say about his new ETF and 12 00:00:44,799 --> 00:00:49,139 KT: it's probably going to be one of the most informative, amazing, 13 00:00:49,200 --> 00:00:53,950 KT: riveting evenings we're ever gonna spend together with you and Keith. 14 00:00:54,279 --> 00:00:56,869 Suze: Well, it wouldn't be a lot harder to do that 15 00:00:56,869 --> 00:01:01,319 Suze: versus the April 23rd one. Seriously, everybody. 16 00:01:01,689 --> 00:01:04,649 Suze: I just have to be honest with you, that webinar 17 00:01:04,650 --> 00:01:08,180 Suze: didn't go exactly how I wanted it to go. It 18 00:01:08,180 --> 00:01:14,289 Suze: just didn't. However, I promise you, tonight's webinar is going 19 00:01:14,290 --> 00:01:18,269 Suze: to be fantastic. You should watch it, you should listen 20 00:01:18,269 --> 00:01:21,289 Suze: to it, cause it's just gonna be me and Keith, 21 00:01:21,410 --> 00:01:25,760 Suze: number one. It's also going to be repeated three or 22 00:01:25,760 --> 00:01:29,250 Suze: four times until June 8th. 23 00:01:29,860 --> 00:01:33,739 Suze: So if you can't watch it tonight, don't worry, it 24 00:01:33,739 --> 00:01:36,180 Suze: will be there for you. And then after that, it 25 00:01:36,180 --> 00:01:43,059 Suze: will also be on my personal YouTube channel, which is youtube.com/ 26 00:01:43,059 --> 00:01:46,260 Suze: Suze Orman. So you will always be able to 27 00:01:46,345 --> 00:01:50,665 Suze: watch it. If you haven't registered yet, go to Suzeorman.com 28 00:01:50,665 --> 00:01:54,184 Suze: and do so. It starts at 6 p.m. East Coast 29 00:01:54,184 --> 00:01:57,985 Suze: time tonight. And again, if you already registered for the 30 00:01:57,985 --> 00:02:01,964 Suze: one on April 23rd, you don't have to register again. 31 00:02:02,095 --> 00:02:04,934 Suze: All right, why are you looking like that? 32 00:02:05,425 --> 00:02:06,565 KT: Because it's your birthday. 33 00:02:07,980 --> 00:02:12,619 KT: Tomorrow is Suze's birthday, everybody, and I think that's why 34 00:02:12,619 --> 00:02:16,979 KT: we're gonna have a great celebration tonight because tomorrow Suze 35 00:02:16,979 --> 00:02:20,799 KT: and I are escaping to a secret destination, just the 36 00:02:20,800 --> 00:02:24,100 KT: two of us, and we're gonna have a great, great, 37 00:02:24,199 --> 00:02:30,990 KT: great birthday, 75, 75. I think that it's really special, Suze, 38 00:02:31,020 --> 00:02:34,709 KT: and I'm just honored that I was able so far, 39 00:02:35,059 --> 00:02:35,380 KT: so far... 40 00:02:35,725 --> 00:02:39,394 KT: to spend at least a third of your lifetime with you. 41 00:02:39,714 --> 00:02:41,404 Suze: And why do you say so far? 42 00:02:41,815 --> 00:02:45,235 KT: Because it's only a third, it's only one third. So 43 00:02:45,235 --> 00:02:47,755 KT: we're doing the math. So when I get to say 44 00:02:47,755 --> 00:02:50,514 KT: I've spent 50% of your life with you, then I 45 00:02:50,514 --> 00:02:53,514 KT: would be a little worried we'll be over 100. 46 00:02:54,494 --> 00:02:56,235 Suze: Do you wanna live to be over 100? 47 00:02:56,395 --> 00:03:00,335 KT: Probably not. Absolutely not. I'm, I wanna live as long 48 00:03:00,335 --> 00:03:01,894 KT: as I'm supposed to. 49 00:03:02,835 --> 00:03:03,514 Suze: Well, guess what? 50 00:03:03,979 --> 00:03:08,740 Suze: I promise you that will happen. That will absolutely happen 51 00:03:08,740 --> 00:03:13,020 Suze: for all of us. So, this is the Ask Suze 52 00:03:13,020 --> 00:03:16,380 Suze: and KT edition, as she said. If you have a 53 00:03:16,380 --> 00:03:20,220 Suze: question and you want it possibly chosen by KT to 54 00:03:20,220 --> 00:03:28,038 Suze: be answered on this podcast, please write into podcast at askSuze.com. 55 00:03:28,720 --> 00:03:32,559 Suze: Right, so we've changed it from the Gmail address, but 56 00:03:32,800 --> 00:03:38,479 Suze: just use the new email address. All right, KT. 57 00:03:38,720 --> 00:03:42,080 KT: Here we go. All right, we've got a nice assortment 58 00:03:42,080 --> 00:03:45,360 KT: of questions here. I'm gonna start with Patricia. Hi there, 59 00:03:45,559 --> 00:03:46,880 KT: Suze and KT. 60 00:03:47,399 --> 00:03:50,479 KT: Thanks for all your wisdom and insight over the years. 61 00:03:50,529 --> 00:03:53,970 KT: I'm hoping you can settle a debate between my husband 62 00:03:53,970 --> 00:04:01,279 KT: and myself around our children's life insurance policies. I'm sorry 63 00:04:01,279 --> 00:04:04,250 KT: I'm starting with a topic that is not easy. 64 00:04:04,490 --> 00:04:06,600 Suze: You don't even have to read me this question. The 65 00:04:06,600 --> 00:04:10,350 Suze: answer is, if there are life insurance policies on the kids, 66 00:04:10,529 --> 00:04:11,050 Suze: are you crazy? 67 00:04:11,565 --> 00:04:14,824 KT: So wait, she's we're ready for this. We have four 68 00:04:14,824 --> 00:04:20,183 KT: grown children. Each child has two policies that we currently still 69 00:04:20,184 --> 00:04:23,625 KT: pay for on a monthly basis. I'd like to continue 70 00:04:23,625 --> 00:04:27,265 KT: paying for the policies. Husband is saying we should either 71 00:04:27,265 --> 00:04:31,505 KT: turn them over to them or cancel the policies, and 72 00:04:31,505 --> 00:04:32,984 KT: none of them are term. Suze. 73 00:04:33,184 --> 00:04:33,424 Suze: What are they? 74 00:04:34,184 --> 00:04:39,924 KT: Well, they're universal. They're your favorite. They're universal or variable. 75 00:04:42,649 --> 00:04:47,609 KT: I know husband is right. Husband is right. Get rid 76 00:04:47,609 --> 00:04:50,070 KT: of them, and they have two on each kid. 77 00:04:50,690 --> 00:04:55,010 Suze: Just cash them out, period. You're not gonna owe taxes 78 00:04:55,010 --> 00:04:57,829 Suze: on it because you're gonna get less back most likely 79 00:04:58,010 --> 00:05:00,649 Suze: than you put in or whatever it is, and then 80 00:05:00,649 --> 00:05:03,910 Suze: just give them the money and let them decide what 81 00:05:03,910 --> 00:05:05,750 Suze: they wanna do with the money. 82 00:05:06,515 --> 00:05:09,795 Suze: Mistake. I have to tell you, big mistake from day one. 83 00:05:10,113 --> 00:05:14,714 Suze: Bottom line to everybody, do not, and I repeat, do 84 00:05:14,714 --> 00:05:20,113 Suze: not buy universal whole life or variable life insurance, especially 85 00:05:20,113 --> 00:05:23,195 Suze: if you are insuring your kids. If you're gonna insure 86 00:05:23,195 --> 00:05:26,704 Suze: your kids for whatever reason, can you just do term 87 00:05:26,704 --> 00:05:29,545 Suze: insurance as well as on yourself? All right, go on, KT. 88 00:05:30,075 --> 00:05:33,054 KT: OK. Next is my favorite topic. It's Roth. 89 00:05:34,220 --> 00:05:35,058 KT: My wife and I... 90 00:05:35,178 --> 00:05:37,539 Suze: Have you made friends with Roth over all these years? 91 00:05:37,940 --> 00:05:38,519 KT: I have. 92 00:05:38,700 --> 00:05:40,058 Suze: How do you feel about Roth today? 93 00:05:40,459 --> 00:05:43,238 KT: Um, very, very kind. 94 00:05:44,220 --> 00:05:44,940 Suze: You feel kind to Roth? 95 00:05:45,350 --> 00:05:46,980 KT: Yeah, kind about Roth. 96 00:05:47,190 --> 00:05:47,940 Suze: Why is that? 97 00:05:48,140 --> 00:05:50,578 KT: I just do. All right, let me read this to you. 98 00:05:51,220 --> 00:05:53,980 Suze: So wait, if I were to give you a quizzy on Roth's, 99 00:05:54,220 --> 00:05:58,140 Suze: would you still feel kind? No. All right, she still 100 00:05:58,140 --> 00:05:58,979 Suze: hates them. All right, go on. 101 00:05:59,040 --> 00:06:01,578 KT: No, I don't hate them. I just am not ready 102 00:06:01,579 --> 00:06:03,058 KT: for some of her quizzies. 103 00:06:03,488 --> 00:06:07,290 KT: I feel that she tests me a lot and I don't, I, 104 00:06:07,369 --> 00:06:09,678 KT: I don't like to be wrong and I'm still, I 105 00:06:09,678 --> 00:06:11,289 KT: have a lot to learn. I have a lot... 106 00:06:11,450 --> 00:06:14,250 Suze: Now, KT, let's just face it, you're never gonna learn it. 107 00:06:14,440 --> 00:06:17,039 Suze: This isn't an insult on you, and you know why? 108 00:06:17,450 --> 00:06:20,209 Suze: Because really you don't want to, because you are one 109 00:06:20,209 --> 00:06:24,209 Suze: of the smartest, brightest, most intelligent people I've ever met 110 00:06:24,209 --> 00:06:27,609 Suze: in my life. And if you don't wanna learn something, 111 00:06:27,850 --> 00:06:30,149 Suze: you are just not gonna learn it. It's like me. 112 00:06:30,839 --> 00:06:33,799 Suze: I don't really want to learn about directions, so I'm 113 00:06:33,799 --> 00:06:35,260 Suze: never gonna learn directions. 114 00:06:35,760 --> 00:06:37,760 KT: What is it with you in north, east, west, and south? 115 00:06:38,010 --> 00:06:39,880 Suze: I don't know. I still, when we're in a hotel, 116 00:06:40,000 --> 00:06:41,799 Suze: we were somewhere a little bit ago. 117 00:06:42,119 --> 00:06:44,928 KT: No, when we get in the car, I say, Suze, 118 00:06:45,000 --> 00:06:48,359 KT: which way are we going? I don't know, KT. I 119 00:06:48,359 --> 00:06:49,419 KT: mean west. 120 00:06:50,829 --> 00:06:54,769 Suze: So I don't want to, and I'm smart, so you're smart, 121 00:06:54,950 --> 00:06:56,589 Suze: so you don't want to, so who cares? I love you anyway. 122 00:06:56,630 --> 00:06:57,890 KT: So the question is: 123 00:06:58,549 --> 00:07:01,549 KT: My wife... thank you... my wife and I are 70 124 00:07:01,549 --> 00:07:04,410 KT: and 68 respectively and retired. 125 00:07:04,890 --> 00:07:09,929 KT: We have traditional IRAs, Roth IRAs, and saving accounts with 126 00:07:09,929 --> 00:07:14,170 KT: more than enough cash and treasuries to cover 10 years 127 00:07:14,170 --> 00:07:19,890 KT: of expenses if needed. Congratulations. I've been dollar cost averaging 128 00:07:19,890 --> 00:07:21,890 KT: for many years in the traditional account 129 00:07:22,220 --> 00:07:26,040 KT: only and the Roth IRAs and savings are in Treasuries, 130 00:07:26,899 --> 00:07:31,000 KT: which accounts, Suze, do you recommend should be my priority 131 00:07:31,420 --> 00:07:35,600 KT: to dollar cost average between the traditional Roth and savings, 132 00:07:35,899 --> 00:07:39,279 KT: and which should hold the 5 to 10 year cushion? 133 00:07:39,730 --> 00:07:40,720 Suze: Are they still working? 134 00:07:41,380 --> 00:07:42,730 KT: No, they're retired. 135 00:07:43,959 --> 00:07:47,920 Suze: So... a little confusing here because I'm not sure if 136 00:07:47,920 --> 00:07:52,070 Suze: you're making new contributions to your IRA and your Roths, 137 00:07:52,079 --> 00:07:53,679 Suze: cause you say you're retired. 138 00:07:54,119 --> 00:07:58,010 Suze: And you have to have earned income, everybody, to contribute 139 00:07:58,010 --> 00:08:01,880 Suze: to an IRA of any kind. So, I'm going to 140 00:08:01,880 --> 00:08:07,170 Suze: assume that you have a large cash position in a 141 00:08:07,170 --> 00:08:12,049 Suze: traditional IRA and a Roth IRA that you probably have 142 00:08:12,049 --> 00:08:15,089 Suze: in a money market account in there, and you are 143 00:08:15,089 --> 00:08:21,799 Suze: dollar cost averaging from those accounts into the markets. Now, 144 00:08:21,890 --> 00:08:23,130 Suze: if that's true. 145 00:08:23,660 --> 00:08:29,679 Suze: You should be doing the market, stocks, ETFs in your Roth, 146 00:08:30,339 --> 00:08:34,760 Suze: and treasuries and things like that in your traditional. 147 00:08:35,489 --> 00:08:39,210 Suze: Because remember, it's in your traditional that you're going to 148 00:08:39,210 --> 00:08:43,770 Suze: have to do required minimum distributions. You do not have 149 00:08:43,770 --> 00:08:47,968 Suze: to do required minimum distributions in your Roth. So, in 150 00:08:47,969 --> 00:08:51,329 Suze: just another three years for one of you, five years 151 00:08:51,330 --> 00:08:54,260 Suze: for the other if you both have accounts, you're gonna 152 00:08:54,260 --> 00:08:56,450 Suze: have to start taking money out. 153 00:08:56,950 --> 00:08:59,539 Suze: When you take money out, you don't want to have 154 00:08:59,539 --> 00:09:03,919 Suze: to take it out from anywhere that fluctuates its balance. 155 00:09:04,309 --> 00:09:08,530 Suze: So that money should be in either a money market account, treasuries, 156 00:09:08,630 --> 00:09:11,869 Suze: if they're very, very short term, and things like that. 157 00:09:11,989 --> 00:09:15,469 Suze: Your growth money, the money that you want to see 158 00:09:15,469 --> 00:09:18,789 Suze: grow and grow and grow, and really hopefully you don't 159 00:09:18,789 --> 00:09:22,619 Suze: touch for a long time. Guess what? That should be 160 00:09:22,619 --> 00:09:26,280 Suze: in your Roth. So, your five or 10 year cushion, 161 00:09:26,849 --> 00:09:30,000 Suze: given that you have to do RMDs and everything, I 162 00:09:30,000 --> 00:09:34,599 Suze: would have that where in my traditional IRA. All right, 163 00:09:34,690 --> 00:09:35,468 Suze: go on, KT. 164 00:09:36,090 --> 00:09:40,090 KT: So this is from Kim. I kind of like Kim's mindset. 165 00:09:40,169 --> 00:09:42,809 KT: She said, Namaste, Suze and KT. 166 00:09:43,840 --> 00:09:48,468 KT: I'm 67 with a 15 year and nearly $60,000 mortgage 167 00:09:48,469 --> 00:09:52,119 KT: remaining on my home. I could take about half of 168 00:09:52,119 --> 00:09:56,598 KT: the investment money left by my mom's passing away and 169 00:09:56,599 --> 00:09:58,358 KT: pay it off, but should I? 170 00:09:58,710 --> 00:10:02,569 KT: I keep my credit cards paid off monthly but often 171 00:10:02,570 --> 00:10:06,070 KT: have to dip into my money market account. I receive 172 00:10:06,070 --> 00:10:10,710 KT: a little over $1,000 a month in Social Security and 173 00:10:10,710 --> 00:10:17,140 KT: about $2,300 a month in government retirement money. No car payments, 174 00:10:17,150 --> 00:10:18,190 KT: but have had pretty 175 00:10:18,500 --> 00:10:22,739 KT: large dental expenses over the past couple of years on 176 00:10:22,739 --> 00:10:26,739 KT: special no interest promotions. Suze, what does that mean? 177 00:10:26,859 --> 00:10:31,500 Suze: It probably means that somebody is promoting a dentist or 178 00:10:31,500 --> 00:10:34,820 Suze: the dentist is promoting themselves, that if you need dental 179 00:10:34,820 --> 00:10:38,380 Suze: work and you can't afford to pay for it up front, 180 00:10:38,739 --> 00:10:41,659 Suze: that they'll finance it for you at no interest rate. 181 00:10:41,760 --> 00:10:42,219 Suze: All right, go on, KT. 182 00:10:42,780 --> 00:10:44,679 KT: You should go to dentalplans.com. 183 00:10:44,820 --> 00:10:45,500 Suze: All right, but go on. 184 00:10:45,570 --> 00:10:46,348 KT: All right, so. 185 00:10:46,969 --> 00:10:50,890 KT: I have a Roth. It's valued at about $2,500. 186 00:10:51,739 --> 00:10:52,530 Suze: She just started it. 187 00:10:52,890 --> 00:10:56,728 KT: Thankfully I'll enjoy TriCare for Life in the event there 188 00:10:56,729 --> 00:10:58,560 KT: are medical needs in my future. 189 00:10:59,049 --> 00:11:00,780 Suze: Fabulous. She was in the military. All right, go on. 190 00:11:00,969 --> 00:11:05,369 KT: So the question is, she's got this 15-year mortgage. 191 00:11:05,880 --> 00:11:07,049 Suze: Should she pay it off with the money? 192 00:11:07,130 --> 00:11:07,489 KT: Yes. 193 00:11:07,650 --> 00:11:08,630 Suze: The answer is yes. 194 00:11:09,159 --> 00:11:13,440 Suze: Now why is the answer yes everybody? It's because she 195 00:11:13,440 --> 00:11:16,989 Suze: gave us a few hints. Did you pick up the hints, everybody? 196 00:11:17,440 --> 00:11:21,919 Suze: The hints were this. Ready for this, everybody? KT just 197 00:11:21,919 --> 00:11:25,390 Suze: handed it to me. Every once in a while she 198 00:11:25,390 --> 00:11:29,089 Suze: has to dip into her money market account in order 199 00:11:29,090 --> 00:11:32,630 Suze: to pay off her credit card. What does that mean? 200 00:11:32,719 --> 00:11:36,359 Suze: It means that her expenses that she's putting on her 201 00:11:36,359 --> 00:11:37,260 Suze: credit card, 202 00:11:37,830 --> 00:11:41,289 Suze: she can't afford to pay for it with her income, 203 00:11:41,590 --> 00:11:45,400 Suze: so she uses the little amount of money in her 204 00:11:45,630 --> 00:11:49,760 Suze: money market account to do so. Also, the other hint 205 00:11:49,760 --> 00:11:54,140 Suze: was she only has $2,500 in a Roth, which means 206 00:11:54,150 --> 00:11:57,349 Suze: she has just started it. Third, 207 00:11:58,280 --> 00:12:01,880 Suze: she has pretty large dental expenses that she's paying for, 208 00:12:02,080 --> 00:12:06,679 Suze: but she's had to do the no interest promotions in 209 00:12:06,679 --> 00:12:12,200 Suze: order to get it done. Therefore, her largest expense, most 210 00:12:12,200 --> 00:12:18,500 Suze: likely is on the $60,000 mortgage that she has remaining. Remember, 211 00:12:18,880 --> 00:12:21,919 Suze: if you had a mortgage for let's just say $200,000 212 00:12:21,919 --> 00:12:23,000 Suze: at 6%. 213 00:12:23,549 --> 00:12:27,299 Suze: Then your payments would be $1,200 a month even if 214 00:12:27,299 --> 00:12:30,109 Suze: the remaining mortgage now you've been paying for it and 215 00:12:30,109 --> 00:12:35,150 Suze: paying for it is only $60,000 you're still paying $1,200 216 00:12:35,150 --> 00:12:39,108 Suze: a month. So you are far better off cutting out 217 00:12:39,109 --> 00:12:43,270 Suze: the biggest expense you have, which is obviously your mortgage payment... 218 00:12:43,549 --> 00:12:47,039 Suze: With half of the money that you got as an 219 00:12:47,039 --> 00:12:51,179 Suze: inheritance so that you get rid of the mortgage payment, 220 00:12:51,429 --> 00:12:54,179 Suze: you now own your house outright, which will then make 221 00:12:54,179 --> 00:12:56,789 Suze: you feel secure and then you won't have to go 222 00:12:56,789 --> 00:13:00,789 Suze: into your money market accounts to meet your bills. So yes, 223 00:13:00,869 --> 00:13:03,590 Suze: the answer to your question is pay off the mortgage 224 00:13:03,590 --> 00:13:05,218 Suze: with half of your inheritance. 225 00:13:05,479 --> 00:13:09,789 KT: Suze, funny enough, you're talking about dental plans and teeth 226 00:13:09,789 --> 00:13:13,599 KT: and insurance. Listen to this from Carol. She said, currently 227 00:13:13,599 --> 00:13:18,159 KT: I have a pretty significant proposed dental treatment plan given 228 00:13:18,159 --> 00:13:22,200 KT: to me during my last visit. Although I have dental 229 00:13:22,200 --> 00:13:24,130 KT: insurance through work, it 230 00:13:24,289 --> 00:13:28,968 KT: doesn't seem to even cover a night guard to protect 231 00:13:28,969 --> 00:13:33,919 KT: my teeth as I unconsciously clench at night or any 232 00:13:33,919 --> 00:13:36,209 KT: of the repair work to my front teeth that now 233 00:13:36,210 --> 00:13:39,690 KT: have some small cracks due to the same issue. I 234 00:13:39,690 --> 00:13:43,530 KT: do remember that you have recommended dental insurance that I 235 00:13:43,530 --> 00:13:44,530 KT: can explore, 236 00:13:44,869 --> 00:13:50,289 KT: that may help me navigate these significant expenses. So remember, 237 00:13:50,479 --> 00:13:53,549 KT: to everyone, one of our favorite programs is what, Suze? 238 00:13:54,229 --> 00:13:56,409 Suze: DentalPlans.com. 239 00:13:56,460 --> 00:13:58,929 KT: And, and we continue to use it and it's great. 240 00:13:59,299 --> 00:14:05,409 Suze: Right. Now, at DentalPlans.com you will find dental savings plans 241 00:14:05,549 --> 00:14:10,080 Suze: that are actually issued by the same insurance companies that 242 00:14:10,080 --> 00:14:13,750 Suze: offer you dental insurance, it's just nobody tells you about it. 243 00:14:14,070 --> 00:14:19,070 Suze: So approximately maybe $100 a year, that's it in premiums 244 00:14:19,070 --> 00:14:22,409 Suze: or more. It just depends on your plan you choose. 245 00:14:22,869 --> 00:14:27,099 Suze: There are family plans. Go to DentalPlans.com, look for a 246 00:14:27,099 --> 00:14:29,950 Suze: dentist in your area that accepts it. 247 00:14:30,340 --> 00:14:32,989 Suze: And you'll see how much money you can save. You 248 00:14:32,989 --> 00:14:37,150 Suze: can save about 10 to 60% on procedures. KT and 249 00:14:37,150 --> 00:14:42,229 Suze: I both have them. They're with Cigna, and seriously, we 250 00:14:42,229 --> 00:14:47,049 Suze: save thousands of dollars a year. It costs us, I think, 251 00:14:47,190 --> 00:14:50,590 Suze: maybe $200 a year for a family plan or whatever 252 00:14:50,590 --> 00:14:54,700 Suze: it is, but it, it saves us thousands and thousands. 253 00:14:54,830 --> 00:14:55,969 Suze: No waiting period. 254 00:14:56,525 --> 00:15:00,924 Suze: No, no, pre-existing thing. Go and check it out. And 255 00:15:00,924 --> 00:15:05,344 Suze: bottom line, I have no financial connection with them at all. Nothing, 256 00:15:05,445 --> 00:15:11,205 Suze: no sponsorship, nothing. It's just something you should do. Next question. 257 00:15:11,395 --> 00:15:14,565 KT: OK, this is from Jen. She said, I'm a newer 258 00:15:14,565 --> 00:15:18,604 KT: listener for five years and a 40-year-old single mom of 259 00:15:18,604 --> 00:15:22,244 KT: two teens, 14 and 16, in California. 260 00:15:22,640 --> 00:15:26,289 KT: After escaping a long history of abuse and starting over 261 00:15:26,289 --> 00:15:30,330 KT: with nothing, I put myself through grad school and recently 262 00:15:30,330 --> 00:15:35,809 KT: landed my dream job as a school reading specialist. Starting 263 00:15:35,809 --> 00:15:39,770 KT: this August, a 21% raise will bring my salary to 264 00:15:39,770 --> 00:15:45,890 KT: just over $100,000. Good for you, Jen. I have an 265 00:15:45,890 --> 00:15:49,890 KT: automatic pension, $1,000 across my Roth IRA. 266 00:15:50,190 --> 00:15:55,950 KT: And a Roth 403B and $10,000 student loan and a 267 00:15:55,950 --> 00:16:00,429 KT: three month emergency fund. I'm also working with a program 268 00:16:00,429 --> 00:16:07,909 KT: to pay off, ready for this, Suze, $54,000 in post-divorce debt. 269 00:16:08,539 --> 00:16:10,979 Suze: Oh, does it say what the monthly payments are? 270 00:16:11,460 --> 00:16:15,599 KT: Yes, the minimum payment is $1,412 a month. 271 00:16:15,739 --> 00:16:18,340 Suze: Good. Her raise will just cover now 50% of that. 272 00:16:18,539 --> 00:16:22,299 KT: So because I spend most of my kids' childhoods in 273 00:16:22,299 --> 00:16:24,309 KT: survival mode, I'm 274 00:16:24,835 --> 00:16:28,494 KT: desperately wanting to take them on their first ever family 275 00:16:28,494 --> 00:16:32,255 KT: vacation before they grow up and leave the nest. With 276 00:16:32,255 --> 00:16:35,854 KT: my upcoming raise, is it OK to earmark a little 277 00:16:35,854 --> 00:16:39,815 KT: cash each month to fund a family trip in a 278 00:16:39,815 --> 00:16:41,015 KT: couple of years, 279 00:16:41,520 --> 00:16:45,909 KT: or must every single new dollar go strictly towards my 280 00:16:45,909 --> 00:16:51,119 KT: emergency fund and aggressive debt payoff? I feel a ticking 281 00:16:51,119 --> 00:16:54,799 KT: clock with my teens, and I want to create this memory, 282 00:16:54,880 --> 00:16:57,390 KT: but I'm torn. What should I do? 283 00:16:57,640 --> 00:17:01,760 Suze: Uh-huh, KT, I can tell by your face that I 284 00:17:01,760 --> 00:17:02,489 Suze: can tell what you're thinking. 285 00:17:02,989 --> 00:17:05,899 KT: I do want her to put a little money away 286 00:17:06,160 --> 00:17:08,560 KT: for this family vacation, but I also want her to 287 00:17:08,560 --> 00:17:10,020 KT: get the kids involved. 288 00:17:10,800 --> 00:17:11,639 Suze: What does that mean? 289 00:17:11,810 --> 00:17:13,930 KT: Is that when they say, Mommy, can we have this? 290 00:17:13,969 --> 00:17:16,290 KT: Can we have that? No, let's put that money in 291 00:17:16,290 --> 00:17:17,750 KT: the vacation fund. 292 00:17:18,209 --> 00:17:20,409 Suze: All right, so that's not a bad thing. All right. 293 00:17:20,650 --> 00:17:22,770 KT: Get them engaged in it that they know they have 294 00:17:22,770 --> 00:17:24,569 KT: to save for this. 295 00:17:24,920 --> 00:17:28,728 Suze: They need to make finances a family affair. Yes, you know, 296 00:17:28,770 --> 00:17:32,949 Suze: it's funny, KT, I'm wondering, is her wish for them, 297 00:17:33,719 --> 00:17:37,000 Suze: the same that they have that they want to do 298 00:17:37,000 --> 00:17:37,829 Suze: with her? 299 00:17:37,829 --> 00:17:39,639 KT: She'll find out, she'll find out. 300 00:17:39,760 --> 00:17:44,859 Suze: All right, so KT gave you a very, very good solution. However, 301 00:17:45,479 --> 00:17:48,359 Suze: my answer would be you are so denied it's not 302 00:17:48,359 --> 00:17:55,020 Suze: even funny, denied. And why is that? You cannot assume 303 00:17:55,520 --> 00:17:57,458 Suze: that you're always going to be healthy. 304 00:17:57,880 --> 00:18:00,300 Suze: You're always going to be able to go to this job, 305 00:18:00,719 --> 00:18:03,399 Suze: that nothing's going to happen to you, and you only 306 00:18:03,400 --> 00:18:06,079 Suze: have a three month emergency fund. 307 00:18:07,119 --> 00:18:10,239 Suze: If all of a sudden, great, you got a raise, 308 00:18:10,410 --> 00:18:13,329 Suze: you know what that means, so I figured it backwards 309 00:18:13,329 --> 00:18:16,728 Suze: if you got a 21% raise that brings you to 310 00:18:16,729 --> 00:18:21,969 Suze: $100,000 before tax, that means it's going to be a 311 00:18:21,969 --> 00:18:25,369 Suze: raise of about $800 a month. That's what it's going 312 00:18:25,369 --> 00:18:31,109 Suze: to come down to after tax and everything for you. Therefore, 313 00:18:31,390 --> 00:18:33,448 Suze: $800 a month, 314 00:18:34,060 --> 00:18:37,619 Suze: is far better off for you to create an 8 315 00:18:37,619 --> 00:18:43,339 Suze: to 12 month emergency fund of your expenses. $800 is 316 00:18:43,339 --> 00:18:47,119 Suze: far better off to get rid of your student loan. 317 00:18:47,660 --> 00:18:49,819 Suze: $800 a month, 318 00:18:50,560 --> 00:18:53,369 Suze: needs to have a priority as to where it's to 319 00:18:53,369 --> 00:18:57,329 Suze: go before this thing of you want to go somewhere 320 00:18:57,329 --> 00:19:02,569 Suze: with your kids, but you yourself answered the question by 321 00:19:02,569 --> 00:19:06,689 Suze: the very last thing that you said. You said, but 322 00:19:06,689 --> 00:19:12,050 Suze: I'm torn. That means you know what you should do. 323 00:19:12,250 --> 00:19:14,810 Suze: The last thing you want to do for your kids 324 00:19:14,810 --> 00:19:18,449 Suze: is this you take them on a vacation, OK. 325 00:19:19,099 --> 00:19:22,859 Suze: Something now happens and now there's not enough money to 326 00:19:22,859 --> 00:19:25,780 Suze: either take care of them or whatever and they feel 327 00:19:25,780 --> 00:19:29,520 Suze: guilty about the fact that you all went on vacation. 328 00:19:29,900 --> 00:19:33,780 Suze: I would rather see you, honest to God, sit down, 329 00:19:33,989 --> 00:19:38,218 Suze: talk to them about this. They're 14 and 16 years 330 00:19:38,219 --> 00:19:39,079 Suze: of age. 331 00:19:39,859 --> 00:19:44,160 Suze: You can tell them your desire and maybe wouldn't it 332 00:19:44,160 --> 00:19:48,219 Suze: be great is if they could get maybe a part-time 333 00:19:48,219 --> 00:19:51,540 Suze: job just like KT was inferring or something like this 334 00:19:51,540 --> 00:19:57,550 Suze: and they save the money and take Mommy on a vacation. 335 00:19:57,890 --> 00:20:02,300 Suze: You gave your life to them. You raised them. 336 00:20:03,040 --> 00:20:06,040 Suze: The key to their happiness is not going to be 337 00:20:06,040 --> 00:20:08,948 Suze: going on a vacation. You're just coming from fear at 338 00:20:08,949 --> 00:20:11,319 Suze: this point in time that when they get older, you're 339 00:20:11,319 --> 00:20:13,869 Suze: going to lose them. You're never going to lose them. 340 00:20:14,780 --> 00:20:19,380 Suze: Not if you have an incredible relationship with them. So no, 341 00:20:19,459 --> 00:20:22,899 Suze: at this point in time, 100% of your money, honest 342 00:20:22,900 --> 00:20:26,780 Suze: to God, needs to go to the must pay expenses 343 00:20:26,780 --> 00:20:29,619 Suze: and emergency savings account. Next, KT. 344 00:20:29,819 --> 00:20:33,869 KT: All right, there you go. That was um. The truth. 345 00:20:34,790 --> 00:20:35,869 KT: This is from Sarah. 346 00:20:36,189 --> 00:20:37,630 Suze: Wait, why did you say it like that? Of course 347 00:20:37,630 --> 00:20:39,489 Suze: it's the truth. Do I ever lie? 348 00:20:39,790 --> 00:20:42,750 KT: No, but I mean that's very truthful of what you 349 00:20:42,750 --> 00:20:46,478 KT: just told her, and she said it herself. She's torn. 350 00:20:46,619 --> 00:20:50,160 Suze: Do you remember on the Suze Orman show, the "Can 351 00:20:50,160 --> 00:20:52,750 Suze: I Afford It?" segment? Of course you do, but do 352 00:20:52,750 --> 00:20:54,589 Suze: you remember the "Can I Afford It - Junior?" segment? 353 00:20:57,300 --> 00:20:59,849 KT: Oh yeah, she would deny these kids... 354 00:21:00,329 --> 00:21:03,489 Suze: That were 13 and 14, and when I would deny them, 355 00:21:03,530 --> 00:21:05,069 Suze: you would hear KT go: 356 00:21:05,250 --> 00:21:09,170 KT: "No, don't do that, Suze. They're all, they're so young, don't do that!" 357 00:21:09,170 --> 00:21:11,930 Suze: So if you don't teach kids when they're young, when 358 00:21:11,930 --> 00:21:12,770 Suze: are you gonna teach them? 359 00:21:12,905 --> 00:21:16,905 Suze: But that answer kind of reminded me of that. Anyway, go on. 360 00:21:17,204 --> 00:21:19,984 KT: OK, so this is from Sarah. She said, Hi, Suze. 361 00:21:20,064 --> 00:21:24,425 KT: Hi KT. Happy birthday. She knows it's your birthday coming up. 362 00:21:24,545 --> 00:21:30,425 KT: She said, I'm, I'm 40. I have a $60,000 student debt. 363 00:21:31,060 --> 00:21:33,560 KT: And she said, a good salary. I have four to 364 00:21:33,560 --> 00:21:38,630 KT: six private voice clients and seasonal revenue streams from music 365 00:21:38,630 --> 00:21:43,150 KT: publishing and performing a nest egg and so excited to 366 00:21:43,150 --> 00:21:47,919 KT: tell you, Ready, Suze drumroll, she has a Roth IRA. 367 00:21:48,630 --> 00:21:50,310 KT: That's a big deal for Sarah. 368 00:21:50,810 --> 00:21:53,770 KT: So she said, if my priority at 40 is a 369 00:21:53,770 --> 00:21:58,449 KT: steady foundation, what is the best next step? Should I 370 00:21:58,449 --> 00:22:02,010 KT: pay my student loan off, put a down payment on 371 00:22:02,010 --> 00:22:06,250 KT: a house, or start a business? I rent and travel 372 00:22:06,250 --> 00:22:09,550 KT: for work. I just want to feel safe. 373 00:22:10,280 --> 00:22:13,739 Suze: I'm not sure that you would feel safe starting a business. 374 00:22:14,479 --> 00:22:17,359 Suze: I'm not sure that you would feel safe even buying 375 00:22:17,359 --> 00:22:20,959 Suze: a home. So if the goal of money is for 376 00:22:20,959 --> 00:22:25,540 Suze: you to be secure, the answer to that question is 377 00:22:26,239 --> 00:22:30,680 Suze: what would make you feel most secure, and only you 378 00:22:30,680 --> 00:22:33,680 Suze: can answer that. The student loan, KT, does it say, 379 00:22:33,760 --> 00:22:34,430 Suze: let me see her email 380 00:22:34,430 --> 00:22:36,420 Suze: $60,000. 381 00:22:37,229 --> 00:22:41,208 Suze: Yes, but did you see that it said PSLF eligible? 382 00:22:41,670 --> 00:22:43,219 KT: No, I didn't. I didn't read that. 383 00:22:43,310 --> 00:22:46,510 Suze: I know, but that means it's a public service loan, 384 00:22:46,709 --> 00:22:50,069 Suze: which means in 10 years it will be forgiven if 385 00:22:50,069 --> 00:22:52,310 Suze: she stays there. So that, no, you don't want to 386 00:22:52,310 --> 00:22:55,510 Suze: pay that off, so your student loan debt isn't to 387 00:22:55,510 --> 00:22:55,910 Suze: be paid 388 00:22:55,984 --> 00:22:59,415 Suze: off beforehand. Just keep paying it like you are or 389 00:22:59,415 --> 00:23:02,854 Suze: however you're doing it. Just don't mess that up again. 390 00:23:02,994 --> 00:23:06,063 Suze: The answer to this question is what would make you 391 00:23:06,064 --> 00:23:09,704 Suze: feel most secure. And at this point in time it 392 00:23:09,704 --> 00:23:14,185 Suze: might be increasing your Roth, increasing your emergency savings, something 393 00:23:14,185 --> 00:23:17,704 Suze: like that. But I don't think buying a home or 394 00:23:17,704 --> 00:23:20,984 Suze: starting a business at this point in time is necessarily 395 00:23:20,984 --> 00:23:22,823 Suze: the answer to that question. Go on, KT. 396 00:23:23,385 --> 00:23:28,050 KT: OK. Suze, this is from Kim. She said, I'm writing 397 00:23:28,050 --> 00:23:30,790 KT: to share a perspective I hope will serve as a 398 00:23:30,790 --> 00:23:37,780 KT: vital wake-up call for your younger listeners and their parents. Ready? I, 399 00:23:37,949 --> 00:23:40,849 KT: this isn't a question, but it's a statement that's important 400 00:23:40,849 --> 00:23:44,229 KT: where it's going. Yeah. I recently suffered the loss of 401 00:23:44,229 --> 00:23:48,550 KT: my 25 year old son. While I have maintained my 402 00:23:48,550 --> 00:23:53,310 KT: own essential legal documents and discussed my estate plans with 403 00:23:53,505 --> 00:23:58,586 KT: my children, since they were preteens, I realized too late 404 00:23:58,765 --> 00:24:04,525 KT: that I had not ensured my own children were similarly prepared. 405 00:24:04,926 --> 00:24:09,505 KT: My son was a retired veteran with modest assets. However, 406 00:24:09,765 --> 00:24:13,806 KT: in the absence of formal designations, the process of settling 407 00:24:13,806 --> 00:24:20,045 KT: his estate has become unnecessarily painful. I urge all young 408 00:24:20,251 --> 00:24:25,552 KT: adults to take ownership of their financial affairs, please ensure 409 00:24:25,821 --> 00:24:31,102 KT: you have beneficiaries listed on all accounts and have your 410 00:24:31,102 --> 00:24:36,501 KT: essential legal documents finalized. Ask questions from the wisdom of 411 00:24:36,501 --> 00:24:40,732 KT: those who love you. Take the time to leave directions, 412 00:24:40,741 --> 00:24:45,141 KT: even if you feel you will be around forever. Tomorrow 413 00:24:45,141 --> 00:24:46,861 KT: is promised to no one. 414 00:24:48,339 --> 00:24:51,188 KT: Taking these steps prevents your loved ones... 415 00:24:52,420 --> 00:24:57,689 KT: ...from having to navigate legal complexities and family disputes while 416 00:24:57,689 --> 00:25:01,729 KT: they are already burdened by grief, I intend to honor 417 00:25:01,729 --> 00:25:04,569 KT: my son's memory to the best of my ability, and 418 00:25:04,569 --> 00:25:08,770 KT: I hope that sharing my experience will encourage others to 419 00:25:08,770 --> 00:25:14,810 KT: protect their families from these avoidable hardships. Grieving yet hopeful 420 00:25:14,810 --> 00:25:16,050 KT: Mamma Kim. 421 00:25:16,729 --> 00:25:19,449 KT: Yeah. Oh, Suze, tell everybody why Kim is so right. 422 00:25:19,170 --> 00:25:23,930 Suze: Yeah, what's happening here and the reason that KT is 423 00:25:23,930 --> 00:25:29,510 Suze: crying is we have a very, very, very dear, dear, 424 00:25:29,890 --> 00:25:31,010 Suze: dear friend. 425 00:25:32,160 --> 00:25:32,920 Suze: And... 426 00:25:33,800 --> 00:25:36,689 Suze: And it's not good, and she's been suffering now for 427 00:25:36,689 --> 00:25:40,669 Suze: three years, and it's been hopeful, and it's not hopeful. 428 00:25:40,890 --> 00:25:46,109 Suze: She's tried everything, and who knows what the ending will bring, 429 00:25:46,410 --> 00:25:48,609 Suze: but the ending may be closer 430 00:25:49,420 --> 00:25:53,630 Suze: then anybody knows, and it's, it's touched KT because she's 431 00:25:53,630 --> 00:25:57,300 Suze: very aware of it as well as I am. So, 432 00:25:57,310 --> 00:26:00,199 Suze: that's why KT is reacting like this right now. 433 00:26:02,319 --> 00:26:10,540 Suze: Hardships, everybody, befall all of us. Nobody is immune to loss. Nobody, 434 00:26:10,640 --> 00:26:14,479 Suze: because we have September coming up pretty soon here. Nobody 435 00:26:14,479 --> 00:26:18,640 Suze: expected to see what happened on September 11th. So you 436 00:26:18,640 --> 00:26:23,800 Suze: have to expect the unexpected. You just do. And one 437 00:26:23,800 --> 00:26:27,159 Suze: of the greatest ways you can help your family, you 438 00:26:27,160 --> 00:26:30,959 Suze: can help yourselves, is just like Kim has asked. 439 00:26:31,579 --> 00:26:36,719 Suze: Make sure if you have retirement accounts, insurance policies, anything 440 00:26:36,719 --> 00:26:41,819 Suze: that has a beneficiary designation opportunity to please list the 441 00:26:41,819 --> 00:26:43,458 Suze: beneficiaries that you want. 442 00:26:44,359 --> 00:26:48,709 Suze: Also, please check that your beneficiaries are up to date, 443 00:26:49,000 --> 00:26:51,599 Suze: because the last thing you want is to have listed 444 00:26:51,599 --> 00:26:55,520 Suze: a beneficiary that you no longer want that money to 445 00:26:55,520 --> 00:26:59,660 Suze: go to. Now I am going to take this opportunity 446 00:26:59,920 --> 00:27:05,939 Suze: to say, do you understand? That's why over 20 years ago. 447 00:27:06,619 --> 00:27:09,280 Suze: The must-have documents were created. 448 00:27:10,270 --> 00:27:13,670 Suze: They were created to stop you from going through the 449 00:27:13,670 --> 00:27:19,510 Suze: chaos that will absolutely happen if something happens to you 450 00:27:19,510 --> 00:27:24,829 Suze: and you don't have all four of those must-have documents 451 00:27:25,079 --> 00:27:28,909 Suze: a will, a living revocable trust, an advanced directive, and 452 00:27:28,910 --> 00:27:32,810 Suze: durable power of attorney for healthcare, and a financial power 453 00:27:32,810 --> 00:27:34,030 Suze: of attorney. 454 00:27:34,630 --> 00:27:38,119 Suze: You need those, so I am just going to take 455 00:27:38,119 --> 00:27:42,579 Suze: this moment and in honor of Kim and all of you. 456 00:27:43,410 --> 00:27:49,169 Suze: And honestly of our work for over 20 years now 457 00:27:49,619 --> 00:27:54,420 Suze: telling you this in 1995 when I brought out my 458 00:27:54,420 --> 00:27:57,979 Suze: very first book you've earned it, don't lose it. There's 459 00:27:57,979 --> 00:28:02,379 Suze: a whole section in that book dedicated to this one topic, 460 00:28:02,459 --> 00:28:05,890 Suze: but back then you didn't have the ability to go 461 00:28:05,890 --> 00:28:08,619 Suze: online and create those documents. 462 00:28:09,160 --> 00:28:14,349 Suze: Over those years millions and millions of people have purchased 463 00:28:14,349 --> 00:28:20,719 Suze: the must-have documents. No lawsuits, no problems, nothing. Therefore, I 464 00:28:20,719 --> 00:28:22,359 Suze: just want to remind you 465 00:28:23,510 --> 00:28:30,079 Suze: tonight and through Monday, June 8th, Pacific time midnight, all right, 466 00:28:30,500 --> 00:28:37,760 Suze: you can get the must-have documents for $75. Obviously they're currently, 467 00:28:37,780 --> 00:28:40,780 Suze: if you use must-have docs for my listeners only. 468 00:28:41,599 --> 00:28:45,560 Suze: $99. I also want to let you know that they 469 00:28:45,560 --> 00:28:49,439 Suze: will go after this offer birthday gift is done on 470 00:28:49,439 --> 00:28:54,319 Suze: Monday night. They go back to $99 but sometime shortly 471 00:28:54,319 --> 00:28:59,239 Suze: after that they are going up to $153. That will 472 00:28:59,239 --> 00:29:04,380 Suze: happen sometime this month. Just know that. So for any 473 00:29:04,380 --> 00:29:06,400 Suze: of you who really want 474 00:29:07,250 --> 00:29:10,250 Suze: to buy these, any of you who have been wondering 475 00:29:10,250 --> 00:29:11,270 Suze: if you should. 476 00:29:12,130 --> 00:29:13,390 Suze: Again. 477 00:29:14,209 --> 00:29:17,609 Suze: Good in all 50 states. $2,500 worth of state of 478 00:29:17,609 --> 00:29:21,890 Suze: the art documents. They are "Suze Shareware." You get just one 479 00:29:21,890 --> 00:29:24,969 Suze: of you. You get it. You get an activation code. 480 00:29:25,209 --> 00:29:28,770 Suze: You share that activation code with your family members. They 481 00:29:28,770 --> 00:29:31,699 Suze: get to go on, do their own passcode, so you're 482 00:29:31,699 --> 00:29:35,290 Suze: giving each one of your family members, as Kim would 483 00:29:35,290 --> 00:29:38,189 Suze: want you to do, a gift. 484 00:29:38,660 --> 00:29:43,890 Suze: Any updates free. Any changes free. This is not something 485 00:29:43,890 --> 00:29:46,949 Suze: that was created to make money off of you, not 486 00:29:46,949 --> 00:29:50,869 Suze: at this price. Think about it. Look at any other 487 00:29:50,869 --> 00:29:55,050 Suze: program out there, and you'll see what I mean. Again, 488 00:29:55,869 --> 00:30:02,010 Suze: something you all should do in my opinion. All right, KT, 489 00:30:02,510 --> 00:30:08,510 Suze: that brings us to the end of the webinar podcast 490 00:30:08,609 --> 00:30:11,150 Suze: that's tonight. Is that what we should call this? 491 00:30:11,369 --> 00:30:14,890 KT: I just wanna say don't miss this. It's really special 492 00:30:14,890 --> 00:30:19,239 KT: when Suze and Keith get together they're both excited. It's 493 00:30:19,239 --> 00:30:22,290 KT: a very, I'm looking forward to it. All I can 494 00:30:22,290 --> 00:30:24,849 KT: say is that this is the best birthday gift I'm 495 00:30:24,849 --> 00:30:26,209 KT: gonna get from Suze 496 00:30:26,936 --> 00:30:29,975 Suze: Basically, again, I'm just gonna say you will walk away 497 00:30:29,975 --> 00:30:34,895 Suze: from this particular webinar with Keith's top stock picks, his 498 00:30:34,895 --> 00:30:41,715 Suze: top ETF picks, his top REIT pick, his opinion on bonds, gold, 499 00:30:41,816 --> 00:30:44,416 Suze: and Bitcoin, and a lot of fun and a lot 500 00:30:44,416 --> 00:30:48,306 Suze: of fun because I'm gonna be asking him the questions. 501 00:30:48,501 --> 00:30:51,462 Suze: You will walk away with what you need to know. 502 00:30:51,501 --> 00:30:55,302 Suze: And again, if you miss watching it, either tonight or 503 00:30:55,302 --> 00:30:58,582 Suze: all the way through the repeats on June 8th, just 504 00:30:58,582 --> 00:31:01,661 Suze: know it will be on my personal YouTube channel, which 505 00:31:01,661 --> 00:31:09,302 Suze: is youtube.com/Suze Orman, starting about June 7th or so. And 506 00:31:09,302 --> 00:31:14,021 Suze: by the way, I will be replaying it on this 507 00:31:14,021 --> 00:31:18,362 Suze: podcast on Sunday, because KT and I are not gonna 508 00:31:18,819 --> 00:31:23,020 Suze: here so you will hear it then as well just 509 00:31:23,020 --> 00:31:27,219 Suze: so you know. All right, but until then, before you 510 00:31:27,219 --> 00:31:29,979 Suze: all wish me a happy birthday, thank you, thank you, 511 00:31:30,060 --> 00:31:32,540 Suze: thank you, because there's no way I'll be able to 512 00:31:32,540 --> 00:31:35,780 Suze: answer all of them. But if any of you do 513 00:31:35,780 --> 00:31:39,579 Suze: write in, I can tell you I will read every 514 00:31:39,579 --> 00:31:40,660 Suze: single one of them. 515 00:31:41,160 --> 00:31:45,520 Suze: So until a week from today, Miss Travis, there's only 516 00:31:45,520 --> 00:31:48,699 Suze: one thing we want everybody to remember, and what is that? 517 00:31:49,579 --> 00:31:50,910 KT: Happy birthday, Suze. 518 00:31:51,069 --> 00:31:54,349 Suze: There you go. That's good enough for me. All right, everybody... 519 00:31:54,380 --> 00:31:54,900 KT: Love you. 520 00:31:55,989 --> 00:31:56,729 Suze: Stay safe. Bye-bye.