1 00:00:41,259 --> 00:00:46,470 Suze: July 21st 2024. Welcome everybody to the Women and Money 2 00:00:46,479 --> 00:00:50,610 Suze: podcast as well as everybody smart enough to listen. And 3 00:00:50,619 --> 00:00:55,810 Suze: today is Suze School. It is also KT and her 4 00:00:55,819 --> 00:01:03,060 Suze: twin sister's birthday. They are 72 years of age today. 5 00:01:03,360 --> 00:01:06,639 Suze: So we have a great day plan, whether permitting, we'll 6 00:01:06,650 --> 00:01:10,389 Suze: see what happens. And at the very end of this podcast, 7 00:01:10,529 --> 00:01:14,128 Suze: I have a very special guest that's going to come 8 00:01:14,139 --> 00:01:18,440 Suze: in and join us. So stay tuned for that one. 9 00:01:18,589 --> 00:01:21,459 Suze: All right, Suze School. 10 00:01:22,129 --> 00:01:27,709 Suze: So I was in the pool on Friday with Lynn's husband, Tom. 11 00:01:28,290 --> 00:01:33,269 Suze: And Tom, just like all of us said to me, 12 00:01:33,910 --> 00:01:38,209 Suze: I wished I had bought NVIDIA years ago 13 00:01:38,970 --> 00:01:42,069 Suze: and I was saying to him who doesn't wish they 14 00:01:42,080 --> 00:01:47,510 Suze: bought NVIDIA years ago, but then out of my mouth 15 00:01:48,120 --> 00:01:54,150 Suze: came these words, you know, Tom, the biggest danger to 16 00:01:54,160 --> 00:02:00,389 Suze: your future investment success is your past wishes. 17 00:02:01,230 --> 00:02:03,220 Suze: And he just looked at me like, what do you 18 00:02:03,230 --> 00:02:04,410 Suze: mean by that. 19 00:02:05,150 --> 00:02:09,149 Suze: And then I explained to him and as I'm explaining 20 00:02:09,160 --> 00:02:12,220 Suze: to all of you, because I know this applies to 21 00:02:12,229 --> 00:02:16,000 Suze: every single one of you out there. At some point 22 00:02:16,008 --> 00:02:17,789 Suze: in your investment career, 23 00:02:18,880 --> 00:02:23,728 Suze: you look at these stocks like NVIDIA or Apple or 24 00:02:24,279 --> 00:02:29,309 Suze: Palantir or Broadcom or whatever the stocks would be or 25 00:02:29,320 --> 00:02:33,740 Suze: Meta or things that came out a long time ago 26 00:02:34,490 --> 00:02:38,139 Suze: that if you just had bought them, maybe you would 27 00:02:38,149 --> 00:02:41,668 Suze: have invested $10,000 and maybe today it would be worth 28 00:02:41,679 --> 00:02:47,350 Suze: $1.2 million. And you spend all of this time calculating 29 00:02:47,960 --> 00:02:52,190 Suze: how much money you would have made. If you simply 30 00:02:52,199 --> 00:02:55,309 Suze: invested in some of those stocks, 31 00:02:56,059 --> 00:03:01,039 Suze: when you spend time doing something like that, you should have, 32 00:03:01,050 --> 00:03:03,638 Suze: you could have, I wish I had, 33 00:03:04,860 --> 00:03:09,769 Suze: then you spend your time trying to find the next 34 00:03:09,779 --> 00:03:14,679 Suze: stock like in video like in Amazon, like in Apple, 35 00:03:14,690 --> 00:03:17,419 Suze: like so many that are out there 36 00:03:18,250 --> 00:03:22,990 Suze: rather than looking at the stocks that aren't necessarily the 37 00:03:23,000 --> 00:03:27,470 Suze: next NVIDIA. But why not continue to look at the 38 00:03:27,479 --> 00:03:33,479 Suze: stocks like NVIDIA like Apple, like Palantir, like Microsoft, like 39 00:03:33,490 --> 00:03:37,089 Suze: stocks that have so much further to go. 40 00:03:37,860 --> 00:03:41,470 Suze: Because I can tell you that there are people because 41 00:03:41,479 --> 00:03:44,880 Suze: I've been doing this now, almost 40 years, everyody, 42 00:03:45,750 --> 00:03:49,250 Suze: There are people that would say to me, God Suze, 43 00:03:49,259 --> 00:03:52,500 Suze: I wish I had bought Cisco when it was at 44 00:03:52,509 --> 00:03:55,539 Suze: X or I wished I had bought this stock when 45 00:03:55,550 --> 00:03:58,179 Suze: it was X or I wished I had done this 46 00:03:58,190 --> 00:04:01,449 Suze: when it was Y and I would always say to them, well, 47 00:04:01,460 --> 00:04:04,470 Suze: there's still good stocks, you know, and they would say, 48 00:04:04,479 --> 00:04:07,250 Suze: oh my God, they've gone up so much already. There's 49 00:04:07,259 --> 00:04:10,570 Suze: no way they could go up any further. Are you 50 00:04:10,580 --> 00:04:11,809 Suze: kidding me? 51 00:04:12,649 --> 00:04:16,299 Suze: You look at things and you write me and you 52 00:04:16,309 --> 00:04:21,609 Suze: keep asking is the portfolio that I recommended on January 7th, 53 00:04:21,619 --> 00:04:23,029 Suze: is it still good to buy? 54 00:04:23,779 --> 00:04:27,130 Suze: You ask me that you're in certain stocks that have 55 00:04:27,140 --> 00:04:30,839 Suze: gone up tremendously, do I think you should sell? 56 00:04:31,529 --> 00:04:35,529 Suze: And you start to get so nervous because you're watching 57 00:04:35,540 --> 00:04:38,209 Suze: the movements of these stacks go up and up and 58 00:04:38,220 --> 00:04:41,969 Suze: up and then all of a sudden a few days ago, 59 00:04:42,059 --> 00:04:44,630 Suze: the stocks that were going up and up and up 60 00:04:44,640 --> 00:04:48,428 Suze: have now been going down and down and down and 61 00:04:48,440 --> 00:04:51,149 Suze: you get so depressed. 62 00:04:52,230 --> 00:04:55,339 Suze: Are you kidding me everybody? If I was to tell 63 00:04:55,350 --> 00:04:59,790 Suze: you about the biggest mistakes I have ever made in investing, 64 00:05:00,428 --> 00:05:05,890 Suze: it would be selling too soon thinking, oh my God, 65 00:05:05,899 --> 00:05:08,519 Suze: the stock has gone up, it's doubled. I'll never forget 66 00:05:08,529 --> 00:05:11,049 Suze: when I first started out as a stockbroker and I 67 00:05:11,059 --> 00:05:14,279 Suze: would be investing in something and it went up 50% 68 00:05:14,779 --> 00:05:18,339 Suze: and I would sell it because 50% was a lot 69 00:05:18,350 --> 00:05:21,579 Suze: of money and then it would go up another 50% 70 00:05:21,589 --> 00:05:24,789 Suze: and continue to go up from there. But of course, 71 00:05:24,959 --> 00:05:29,329 Suze: when you've sold something that you've made money on, but 72 00:05:29,339 --> 00:05:32,130 Suze: then it continues to go up, you sit there hoping 73 00:05:32,140 --> 00:05:36,238 Suze: that it would come back down so that you could 74 00:05:36,250 --> 00:05:42,000 Suze: buy it again. Possibly what, when things start to go, 75 00:05:42,570 --> 00:05:45,790 Suze: you have to go with it and you just have 76 00:05:45,799 --> 00:05:49,630 Suze: to know that. So a lot of you, if you 77 00:05:49,640 --> 00:05:54,899 Suze: are invested in good quality ETFs, if you are invested 78 00:05:54,910 --> 00:06:00,339 Suze: in great individual stocks, maybe you need to just stop 79 00:06:00,350 --> 00:06:02,839 Suze: watching the markets altogether. 80 00:06:03,500 --> 00:06:07,170 Suze: Maybe you just need to know that over the long run, 81 00:06:07,250 --> 00:06:11,279 Suze: they're really going to be doing ok. But the key 82 00:06:11,290 --> 00:06:16,869 Suze: truthfully to your investment success is to have the courage 83 00:06:17,029 --> 00:06:20,359 Suze: that if you bought something and it now has gone 84 00:06:20,369 --> 00:06:25,118 Suze: down and you have extra money to buy more. 85 00:06:25,928 --> 00:06:28,700 Suze: You know, I'll tell you the truth the other day 86 00:06:29,279 --> 00:06:33,109 Suze: when things were going up, I continued to buy Palantir 87 00:06:33,420 --> 00:06:37,420 Suze: I continued to buy NVIDIA and Costco and quite a 88 00:06:37,428 --> 00:06:38,899 Suze: few stocks for Colo. 89 00:06:39,559 --> 00:06:43,170 Suze: And I was so proud because I said Colo, look 90 00:06:43,178 --> 00:06:47,970 Suze: how much these stocks have gone up right now. Look 91 00:06:47,980 --> 00:06:50,540 Suze: at this just in the past few days and he 92 00:06:50,549 --> 00:06:52,410 Suze: looked at the number that it was and he went, 93 00:06:52,420 --> 00:06:55,799 Suze: oh my God, that's a lot of money. Wow. And 94 00:06:55,809 --> 00:06:59,738 Suze: then of course, the next day or two after that, 95 00:07:00,470 --> 00:07:04,019 Suze: all that money that we had gained, plus some was 96 00:07:04,029 --> 00:07:06,769 Suze: not lost. But now all the way down. 97 00:07:07,320 --> 00:07:10,549 Suze: So rather than me freaking out about it because I 98 00:07:10,559 --> 00:07:15,320 Suze: didn't invest all of his money. I again tried to 99 00:07:15,329 --> 00:07:22,049 Suze: take advantage of it, especially on Friday when Crowdstrike absolutely 100 00:07:22,109 --> 00:07:27,010 Suze: obliterated all the global it systems and everything like that. 101 00:07:27,309 --> 00:07:31,059 Suze: I tried, in Colo's Schwab account, 102 00:07:31,450 --> 00:07:35,619 Suze: to buy Crowdstrike with some of his money. Not all 103 00:07:35,630 --> 00:07:38,850 Suze: of it again, knowing that it could go down even further. 104 00:07:38,859 --> 00:07:41,239 Suze: So I would just buy more. But I wanted to 105 00:07:41,250 --> 00:07:43,809 Suze: take advantage of the fact that it went down 40 106 00:07:43,820 --> 00:07:46,910 Suze: some odd points, whatever it was at that time. And 107 00:07:46,920 --> 00:07:49,899 Suze: I was like, oh my God, this is an opportunity. 108 00:07:50,700 --> 00:07:56,600 Suze: It's an opportunity. But because of Crowdstrike, Schwab wasn't able 109 00:07:56,609 --> 00:08:02,399 Suze: to initiate any trades and do anything online. So it's OK. 110 00:08:02,410 --> 00:08:04,440 Suze: I'll see what happens tomorrow. 111 00:08:05,260 --> 00:08:10,519 Suze: But it's important that you literally see when things like 112 00:08:10,529 --> 00:08:11,600 Suze: that happen. 113 00:08:12,440 --> 00:08:17,299 Suze: You have to look at things in the market as opportunities. 114 00:08:17,880 --> 00:08:21,339 Suze: You know, I all love Keith Fitzgerald. And in his 115 00:08:21,350 --> 00:08:25,619 Suze: letter that he sent out last Friday, he was talking 116 00:08:25,630 --> 00:08:30,630 Suze: about three things that he had always learned from somebody. 117 00:08:30,640 --> 00:08:33,539 Suze: I forget who it is now in his family. But 118 00:08:33,549 --> 00:08:39,169 Suze: those three things were chaos, always creates opportunity. 119 00:08:40,098 --> 00:08:45,249 Suze: Missing opportunity is always more expensive than trying to avoid 120 00:08:45,258 --> 00:08:47,249 Suze: risks you can't control 121 00:08:48,150 --> 00:08:51,809 Suze: and the markets are the only store on earth where 122 00:08:51,820 --> 00:08:54,210 Suze: people fear a sale. 123 00:08:55,140 --> 00:08:58,479 Suze: So I was reading his letter on Friday going, oh 124 00:08:58,489 --> 00:09:02,039 Suze: my God. I'm gonna tell everybody about those because they 125 00:09:02,049 --> 00:09:06,598 Suze: are so, so great. So I want you to write 126 00:09:06,609 --> 00:09:11,119 Suze: those down in your Suze notebooks because it's times like 127 00:09:11,130 --> 00:09:14,739 Suze: this when there is chaos in the world, there is 128 00:09:14,750 --> 00:09:18,439 Suze: chaos in the markets. This is when you start to 129 00:09:18,450 --> 00:09:20,960 Suze: dollar cost average. 130 00:09:21,679 --> 00:09:24,169 Suze: This is when you start to take advantage of the 131 00:09:24,179 --> 00:09:29,020 Suze: down days and dollar cost average into positions that you 132 00:09:29,030 --> 00:09:32,700 Suze: really love. Which is why I have been telling you 133 00:09:32,710 --> 00:09:33,978 Suze: now forever, 134 00:09:34,460 --> 00:09:38,960 Suze: always dollar cost average. If you get a large lump 135 00:09:38,969 --> 00:09:42,729 Suze: sum of money or you're going from a 401k into 136 00:09:42,739 --> 00:09:46,159 Suze: an IRA and you have a large sum of cash 137 00:09:46,570 --> 00:09:51,859 Suze: dollar cost average into the positions that you want. Don't 138 00:09:51,869 --> 00:09:54,450 Suze: be afraid that, oh, I have to invest in it 139 00:09:54,460 --> 00:09:57,080 Suze: right now because it's gonna go straight up and I'm 140 00:09:57,090 --> 00:09:59,880 Suze: gonna miss it. Nothing goes straight up 141 00:10:00,390 --> 00:10:03,929 Suze: and listen, if it goes straight up and it looks strong. 142 00:10:03,940 --> 00:10:07,488 Suze: All right. So buy it again at that point in time. 143 00:10:07,770 --> 00:10:11,619 Suze: But these are things that are really important for you 144 00:10:11,630 --> 00:10:13,369 Suze: to understand. 145 00:10:14,440 --> 00:10:20,090 Suze: So that's really what this short Suze school is all about. However, 146 00:10:20,099 --> 00:10:21,950 Suze: I do want to give you a little bit of 147 00:10:21,960 --> 00:10:27,260 Suze: an update about the portfolio that Keith happens to be 148 00:10:27,270 --> 00:10:31,549 Suze: working on for the majority of you that don't want 149 00:10:31,559 --> 00:10:34,829 Suze: to be quite as detailed or as involved as his 150 00:10:34,840 --> 00:10:37,059 Suze: One Bar Ahead portfolio 151 00:10:37,820 --> 00:10:40,789 Suze: and he has been working on it, we talk about 152 00:10:40,799 --> 00:10:45,909 Suze: it almost every other day and hopefully by this September, 153 00:10:45,919 --> 00:10:51,309 Suze: maybe October the latest. It will be ready to go 154 00:10:51,320 --> 00:10:54,590 Suze: for all of you. So I just want you to 155 00:10:54,599 --> 00:10:59,289 Suze: know that he is so excited about it. We came 156 00:10:59,299 --> 00:11:02,510 Suze: up with an idea. It's something that has never been 157 00:11:02,520 --> 00:11:03,710 Suze: done before. 158 00:11:04,309 --> 00:11:07,760 Suze: It will help you with doing something that both of 159 00:11:07,770 --> 00:11:10,569 Suze: us have been telling you to do and how to invest. 160 00:11:10,580 --> 00:11:14,489 Suze: So you might wanna wait for that. 161 00:11:15,200 --> 00:11:19,099 Suze: But it is something that I hope comes out this 162 00:11:19,109 --> 00:11:24,968 Suze: September or October the latest, if everything continues to go, right. 163 00:11:25,150 --> 00:11:28,619 Suze: Because these things take a lot of testing, a lot 164 00:11:28,630 --> 00:11:31,140 Suze: of making sure that all of it works that the 165 00:11:31,150 --> 00:11:34,859 Suze: logic has been programmed correctly so that you can get 166 00:11:34,869 --> 00:11:41,419 Suze: monthly correspondence that can tell you exactly. Keith's suggestions for you. 167 00:11:41,780 --> 00:11:45,039 Suze: All right. Now, before I bring the Suze school to 168 00:11:45,049 --> 00:11:50,140 Suze: an end, as you all know, it is July 21st, 169 00:11:50,150 --> 00:11:57,090 Suze: which is KT and her twin sister's birthday. And so 170 00:11:57,590 --> 00:12:02,000 Suze: I have a very, very special guest in the studio 171 00:12:02,010 --> 00:12:05,059 Suze: with me right now. He just came in and sat down, 172 00:12:05,530 --> 00:12:07,099 Suze: say hi to everybody Colo. 173 00:12:07,109 --> 00:12:09,799 Colo: Hi, everybody. It's Columbia here. 174 00:12:10,099 --> 00:12:13,869 Suze: Yes. And the two of us... So KT, doesn't know 175 00:12:13,880 --> 00:12:16,750 Suze: that we're in here doing this. She thinks that I'm 176 00:12:16,760 --> 00:12:20,919 Suze: just doing my regular Suze School and Colo slipped in 177 00:12:20,929 --> 00:12:23,859 Suze: through the back door. But what do you want to 178 00:12:23,869 --> 00:12:25,059 Suze: say to her? 179 00:12:25,080 --> 00:12:27,789 Colo: Well, I want to wish both of them a happy 180 00:12:27,799 --> 00:12:29,700 Colo: Happy Birthday. And then 181 00:12:30,200 --> 00:12:32,460 Colo: I want to tell KT how much I love her 182 00:12:32,469 --> 00:12:35,630 Colo: with all my heart and thank you for being so 183 00:12:35,640 --> 00:12:36,500 Colo: special with me. 184 00:12:36,599 --> 00:12:40,929 Suze: Oh, he's starting to cry. Yeah. And you know, Colo, 185 00:12:40,940 --> 00:12:43,580 Suze: I got a text the other day or on the 186 00:12:43,590 --> 00:12:46,929 Suze: women in Money app saying where's Colo been? He hasn't 187 00:12:46,940 --> 00:12:47,539 Suze: been on 188 00:12:47,820 --> 00:12:51,799 Suze: right. And I said, oh, that's a great idea. I'm 189 00:12:51,809 --> 00:12:54,239 Suze: going to put them on today. Do you miss coming 190 00:12:54,250 --> 00:12:55,349 Suze: on the air with us? 191 00:12:55,409 --> 00:12:58,340 Colo: Yeah, of course. But you know, I'm always a little 192 00:12:58,349 --> 00:12:59,979 Colo: nervous to be on here. 193 00:13:00,000 --> 00:13:01,400 Suze: Because you're a little shy... 194 00:13:02,359 --> 00:13:02,479 Colo: Yeah I am super shy. 195 00:13:02,570 --> 00:13:04,719 Suze: But you listen to the podcast every Sunday. 196 00:13:04,729 --> 00:13:06,718 Colo: I do. Yes, I do. Of course. 197 00:13:06,849 --> 00:13:09,109 Suze: And do you just love when you hear your name? 198 00:13:09,395 --> 00:13:12,164 Colo: Yeah, you always give me a nice shout out which 199 00:13:12,174 --> 00:13:14,864 Colo: I really appreciated and everything. 200 00:13:14,885 --> 00:13:16,544 Suze: How's our fishing been lately? 201 00:13:16,945 --> 00:13:20,603 Colo: Lets hope today we'll catch some good fish for KT 202 00:13:20,614 --> 00:13:21,705 Colo: and Lynn's birthday. 203 00:13:21,974 --> 00:13:25,135 Suze: Yeah, but we've been going out there. We've been getting skunked, 204 00:13:25,145 --> 00:13:25,885 Suze: haven't we? 205 00:13:26,244 --> 00:13:27,104 Colo: Yeah, it's been bad. 206 00:13:28,974 --> 00:13:30,265 Suze: Why do you think that is? 207 00:13:30,854 --> 00:13:33,464 Colo: Well, I think it's also the weather. You know, you 208 00:13:33,474 --> 00:13:35,224 Colo: haven't had good weather here and 209 00:13:35,690 --> 00:13:38,659 Colo: I hope it gets better by the end of July. 210 00:13:38,830 --> 00:13:42,799 Suze: Why not? Well, well, we keep trying every single day. 211 00:13:42,909 --> 00:13:44,460 Suze: All right. So what do you want to say? Really 212 00:13:44,469 --> 00:13:45,659 Suze: special to Lynn? 213 00:13:46,479 --> 00:13:49,530 Colo: Lynn, I want to wish you a happy birthday and 214 00:13:49,539 --> 00:13:52,280 Colo: then you're one of the most special people in this 215 00:13:52,289 --> 00:13:54,739 Colo: world and that I love you with all my heart 216 00:13:54,750 --> 00:13:55,400 Colo: as well. 217 00:13:55,409 --> 00:13:58,840 Suze: Yeah. So there we are. So KT and Lynn, 218 00:13:59,799 --> 00:14:05,210 Suze: we all wish you the happiest of birthdays. Um, what 219 00:14:05,219 --> 00:14:07,859 Suze: can I say to two of the most special women 220 00:14:07,869 --> 00:14:12,000 Suze: really in my life? And it's kind of funny how, 221 00:14:12,010 --> 00:14:14,609 Suze: when we're all in the pool together they sit there comparing, 222 00:14:14,619 --> 00:14:17,299 Suze: are they taller than each other? Are they thinner than 223 00:14:17,309 --> 00:14:17,760 Suze: each other? 224 00:14:17,770 --> 00:14:20,739 Colo: They have the most amazing smile in the whole world. 225 00:14:20,750 --> 00:14:23,179 Colo: They could just make you happy just by looking at them. 226 00:14:23,190 --> 00:14:27,640 Suze: It's true. It's true. But we just want all of 227 00:14:27,650 --> 00:14:29,200 Suze: you to know 228 00:14:29,700 --> 00:14:34,039 Suze: that we love those two girls more than life itself. 229 00:14:34,049 --> 00:14:39,580 Suze: We are planning a very special happy birthday for them. 230 00:14:39,729 --> 00:14:42,419 Suze: Want to tell everybody what you got for KT. 231 00:14:42,809 --> 00:14:46,200 Colo: Yes, I got her a small lemon tree that she's 232 00:14:46,210 --> 00:14:48,049 Colo: going to love more than life itself. 233 00:14:48,059 --> 00:14:50,159 Suze: Tell everybody why you got her a lemon tree. A 234 00:14:50,169 --> 00:14:53,700 Suze: little lemon tree like maybe three. How, what a foot tall. 235 00:14:53,729 --> 00:14:56,919 Colo: It's a small tree that um because it's coming on 236 00:14:56,929 --> 00:14:58,640 Colo: a small boat today. 237 00:14:59,159 --> 00:15:02,780 Colo: So I'm getting her a tree because a couple of 238 00:15:02,789 --> 00:15:06,940 Colo: months ago I broke one of her lemon trees and 239 00:15:06,950 --> 00:15:09,479 Colo: she wasn't so happy. So I'm going to make her 240 00:15:09,489 --> 00:15:10,900 Colo: happy on her birthday. 241 00:15:12,179 --> 00:15:16,460 Suze: And for me, I painted Lynn, right? This coconut, I'll 242 00:15:16,469 --> 00:15:19,520 Suze: put a picture up on it. Everybody I painted a 243 00:15:19,530 --> 00:15:20,659 Suze: coconut green 244 00:15:21,179 --> 00:15:25,359 Suze: and then made fins and everything out of dollars with 245 00:15:25,369 --> 00:15:28,369 Suze: it and made it look like a fish. So it's 246 00:15:28,380 --> 00:15:30,669 Suze: a money, it's a money. Coconut. 247 00:15:30,760 --> 00:15:31,460 Colo: Yeah, I know. I saw. 248 00:15:31,849 --> 00:15:36,739 Suze: It's kind of good. Right. Nobody can believe I'm artistic. Right. No. 249 00:15:38,390 --> 00:15:43,859 Suze: Right. And for KT, as always I wrote her my 250 00:15:43,869 --> 00:15:48,520 Suze: very special birthday letter that I will give to her 251 00:15:48,530 --> 00:15:52,659 Suze: later today. But I was telling Colo earlier I got 252 00:15:52,669 --> 00:15:53,940 Suze: her a bottle of shampoo. 253 00:15:55,679 --> 00:15:59,150 Suze: That's what I got KT for her birthday. She loves 254 00:15:59,159 --> 00:16:03,789 Suze: Aveda shampoo and she hasn't been able to find this 255 00:16:03,799 --> 00:16:06,469 Suze: one flavor of it or smell. It's called shampure or 256 00:16:06,479 --> 00:16:07,630 Suze: whatever you want to call it. 257 00:16:07,869 --> 00:16:11,729 Suze: And I got that for her. So we're pretty extravagant 258 00:16:11,739 --> 00:16:13,450 Suze: in the Orman household, aren't we? 259 00:16:13,909 --> 00:16:16,409 Colo: But she's going to love everything that we give her. 260 00:16:16,419 --> 00:16:19,690 Suze: All right. So I just wanted you to hear little 261 00:16:19,700 --> 00:16:23,729 Suze: Colo's voice. He's not so little is he? But anyway, 262 00:16:23,739 --> 00:16:28,419 Suze: he is our boy. There's one more person who wants 263 00:16:28,429 --> 00:16:32,960 Suze: to wish those twins a happy birthday from the bottom 264 00:16:32,969 --> 00:16:36,270 Suze: of his heart. And that is Robert. 265 00:16:36,619 --> 00:16:39,500 Robert: Well, thank you, Suze and Colo. Hi, KT and Lynn. 266 00:16:39,510 --> 00:16:42,330 Robert: I'm down the shore right now and I know two 267 00:16:42,340 --> 00:16:45,239 Robert: Jersey girls will know what that means. And of course, 268 00:16:45,250 --> 00:16:46,989 Robert: from the bottom of my heart, I wish you both 269 00:16:47,000 --> 00:16:50,479 Robert: a very, very happy birthday. I am so honored to 270 00:16:50,489 --> 00:16:52,940 Robert: know both of you and especially to work with KT. 271 00:16:53,280 --> 00:16:55,799 Robert: You know, the highlight of my week is editing the 272 00:16:55,809 --> 00:16:59,440 Robert: episodes where KT laughs, which of course, then sets Suze 273 00:16:59,450 --> 00:17:00,710 Robert: off laughing as well. 274 00:17:01,229 --> 00:17:03,530 Robert: But I have something very special for both of you 275 00:17:03,539 --> 00:17:06,379 Robert: this morning. You see, while I've been sitting here editing 276 00:17:06,390 --> 00:17:10,688 Robert: this podcast, my little niece Imogen is also an early 277 00:17:10,699 --> 00:17:13,530 Robert: riser and she's been here right next to me, watching 278 00:17:13,540 --> 00:17:14,910 Robert: me put the show together 279 00:17:15,218 --> 00:17:17,678 Robert: and then she heard Suze and Colo and then she 280 00:17:17,688 --> 00:17:19,119 Robert: wanted to say something too: 281 00:17:19,229 --> 00:17:23,448 Imogen: Happy birthday, KT and Lynn, thank you for making my 282 00:17:23,458 --> 00:17:24,999 Imogen: uncle Robert smile 283 00:17:25,009 --> 00:17:26,479 Imogen: while he works. 284 00:17:26,798 --> 00:17:29,029 Robert: All right. There we go. Happy birthday. 285 00:17:29,298 --> 00:17:33,529 Suze: So there's really only one thing KT and Lynn that 286 00:17:33,538 --> 00:17:37,078 Suze: we want you to seriously remember 287 00:17:37,729 --> 00:17:42,469 Suze: with our love and our devotion and our caring for 288 00:17:42,479 --> 00:17:47,469 Suze: both of you. We promise you you are unstoppable.