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Is It Better To Own Actual Gold In My IRA Or In An ETF? · Suze Orman's Women & Money (And Everyone Smart Enough To Listen)

• 0:07
  Suze: January 29th, 2026. Welcome everybody to the Women and Money
• 0:12
  Suze: podcast and Everybody Smart enough to listen.
• 0:16
  Suze: What is today, KT?
• 0:18
  KT: Today is a great day, Suze. It's Oprah's birthday. Happy birthday, Oprah.
• 0:24
  KT: Wherever you are.
• 0:26
  Suze: You know, out of all the people in my life
• 0:29
  Suze: that if I were gonna name one person.
• 0:32
  Suze: That contributed the most to Suze Orman becoming Suze Orman,
• 0:36
  Suze: wouldn't you say it had to be Oprah?
• 0:37
  KT: Absolutely. I mean, that's without a doubt. Suze and Oprah, like,
• 0:42
  KT: you know, bread and butter.
• 0:44
  Suze: Yeah. Wanna tell everybody a secret about me and the
• 0:46
  Suze: Oprah Winfrey show and the 30 shows I did. How many,
• 0:50
  Suze: because most of them were taped.
• 0:52
  Suze: Right. How many did I ever see?
• 0:56
  KT: None, but I have them all. Matter of fact, we
• 0:59
  KT: have every one of the shows. We have every magazine
• 1:03
  KT: she ever wrote for, for Oprah, and Susie's never ever
• 1:07
  KT: sat down and seen herself on the Oprah Winfrey Show.
• 1:13
  KT: I don't think you've watched yourself on the Suze Orman
• 1:15
  KT: show either.
• 1:17
  KT: She doesn't watch herself...
• 1:18
  Suze: I can count on one hand, the number of shows
• 1:22
  Suze: that I did on CNBC.
• 1:24
  KT: What about Larry King? You were on there like 29 times.
• 1:28
  KT: Didn't watch that once
• 1:29
  Suze: Because it was live.
• 1:30
  KT: I know.
• 1:31
  Suze: But all the other shows were taped and everyone, everybody
• 1:34
  Suze: else was watching them and
• 1:36
  Suze: you would watch him. I'd go in the other room.
• 1:38
  Suze: Don't you think that's all strange, everybody, a little bit,
• 1:41
  Suze: but that is besides the point. All right, so happy birthday, O.
• 1:46
  Suze: Now this is the Ask KT and Susie Anything edition.
• 1:52
  Suze: What are you taking from me?
• 1:54
  KT: Julie.
• 1:55
  Suze: I was open with Julie.
• 1:57
  KT: You're gonna do it. You don't want me to do it.
• 1:59
  Suze: No, I was gonna do it. That's why it was in front of me.
• 2:01
  KT: OK, so I, I thought I was gonna tell everybody
• 2:04
  KT: who Julie is.
• 2:06
  Suze: No, I want to now, as you know, if you
• 2:10
  Suze: want your question to be answered on the podcast, first
• 2:15
  Suze: of all, KT has to choose it, and you would
• 2:18
  Suze: send in your question to ask Suze podcast@gmail.com. That is
• 2:23
  Suze: number one.
• 2:25
  Suze: However, just cause she chooses it doesn't mean that I
• 2:29
  Suze: haven't already read it. And the other day, about five days
• 2:34
  Suze: ago actually now, I was looking at some of the emails,
• 2:38
  Suze: and I read this one from Julie, and Julie was
• 2:42
  Suze: correcting me because I was wrong on something.
• 2:46
  Suze: And I have to tell you I love when that
• 2:48
  Suze: happens because there's no way everybody, that I could keep
• 2:51
  Suze: up on every single thing that's happening in the world
• 2:54
  Suze: when it comes to money. This wasn't a major wrong,
• 2:58
  Suze: but it was something that I want to correct. And
• 3:02
  Suze: here's what Julie said to me.
• 3:05
  Suze: I'll just read it directly from her. She says, in
• 3:08
  Suze: your podcast from January 22nd, there was a question from
• 3:12
  Suze: a listener with a TSP that had 50% in the
• 3:16
  Suze: G Fund.
• 3:17
  Suze: Which is everybody like a government fund, like a money market,
• 3:20
  Suze: so to speak, and 50% in the C Fund, C
• 3:24
  Suze: standing for common stocks. Suze, you shared the advice regarding
• 3:29
  Suze: retirees having at least three years of living expenses in
• 3:33
  Suze: funds such as the G Fund or money markets, etc.
• 3:37
  Suze: in case there is a market downturn so that retirees
• 3:41
  Suze: don't need to sell funds like the C Fund at
• 3:45
  Suze: a loss.
• 3:46
  Suze: Now that's great advice that I intend to live by. However,
• 3:50
  Suze: there is a TSP rule that every retiree should know.
• 3:56
  Suze: First of all, at TSP, everybody, is a thrift savings
• 4:00
  Suze: plan like a 401k or a 403B but for federal workers.
• 4:04
  Suze: Here's what Julie taught me. She said, when funds are
• 4:09
  Suze: withdrawn from a TSP in retirement.
• 4:12
  Suze: Money is withdrawn from each of the funds based on
• 4:17
  Suze: the percent invested in each fund. So for the listener
• 4:22
  Suze: with 50% in the G and 50% in the C,
• 4:26
  Suze: let's say the C Fund is down and this person
• 4:30
  Suze: is withdrawing $20,000 from her TSP. She can't sell just G.
• 4:37
  Suze: In that example, 10,000 would come from G and 10,000
• 4:42
  Suze: would come from C. Interesting. I did not know that.
• 4:48
  Suze: So what is the fix, everybody, to this problem?
• 4:53
  Suze: The fix really is that all of you need an
• 4:57
  Suze: outside retirement account or an account that has at least
• 5:01
  Suze: 3 months of living expenses above your guaranteed income within
• 5:07
  Suze: that account, and if you then have to take money out,
• 5:11
  Suze: you're taking it from where? You're taking it from either
• 5:14
  Suze: a Roth IRA or an investment account that's in a
• 5:17
  Suze: money market account or a savings account or something like that.
• 5:22
  Suze: That's one way that you could protect yourself and not
• 5:26
  Suze: have to take equal amounts out of your TSP. All right, KT,
• 5:31
  Suze: next question.
• 5:32
  Suze: Thanks, Julie, by the way.
• 5:34
  KT: Yeah, thanks, Jules. Next question is from Allie. Hi, Suze
• 5:39
  KT: and KT. I'm really grateful to you for introducing me
• 5:43
  KT: to the concept of Roth IRAs.
• 5:47
  KT: I, I love this. I have to admit I don't always...
• 5:51
  Suze: Ok, KT feels the exact same way.
• 5:52
  Suze: Wait, I have to admit I don't always completely follow
• 5:55
  Suze: you when you explain Roth strategies.
• 5:58
  Suze: Like I was saying, KT feels the exact same way.
• 6:01
  KT: So I play your podcast back multiple times until I
• 6:05
  KT: get it.
• 6:05
  Suze: That's the one thing KT doesn't do the same way.
• 6:08
  KT: Me too. The Roth strategy truly is powerful. Here is
• 6:12
  KT: my question.
• 6:13
  KT: I have a traditional IRA with 470,000. I want to
• 6:18
  KT: contribute to a Roth using a backdoor strategy. I did
• 6:24
  KT: some research and I'm able to roll my IRA into
• 6:27
  KT: my workplace 401k.
• 6:30
  KT: If I want to contribute for 2025, do I need
• 6:34
  KT: to roll my IRA funds into my 401k plan first,
• 6:40
  KT: then contribute to a traditional IRA and then convert to
• 6:45
  KT: a Roth, or does the order of operations not matter
• 6:50
  KT: as long as my traditional IRA is zero by year end?
• 6:56
  KT: OK, everybody repeat that three times back.
• 6:58
  Suze: Allie, here's what you gotta get. It's actually too late
• 7:02
  Suze: to do anything already for 2025. You have to do
• 7:05
  Suze: this for 2026. And why do I say you have
• 7:10
  Suze: to do it for 2026? Even though I know that
• 7:14
  Suze: you can open up an IRA or Roth IRA right
• 7:19
  Suze: now all the way till April 15th for 2025. That's true.
• 7:24
  Suze: But you want to do a backdoor Roth. So then you,
• 7:28
  Suze: once you open it up, you could do it this
• 7:30
  Suze: year if you wanted to, for last year, but when
• 7:34
  Suze: you convert it to a backdoor Roth, a conversion is
• 7:39
  Suze: deemed to have happened in the year you convert it.
• 7:43
  Suze: So that will now be a backdoor Roth for 2026,
• 7:50
  Suze: not 2025. Did that make sense?
• 7:55
  Suze: So, here's how I would do it if I were you.
• 7:59
  Suze: I would actually, right now, roll all of your money
• 8:04
  Suze: from your traditional IRA into your traditional 401k at work. Done.
• 8:11
  Suze: You don't have anything now at all in a traditional IRA.
• 8:16
  Suze: I would then fund a non-deductible IRA.
• 8:22
  Suze: And I would absolutely do what with it? I would
• 8:25
  Suze: convert it to a Roth right away, and you are fine.
• 8:29
  Suze: That's how you do a back door.
• 8:32
  Suze: Now, do you have to do it all at once? No,
• 8:35
  Suze: you could do little by little by little, as long
• 8:38
  Suze: as all the money in the traditional IRA is out
• 8:44
  Suze: by the end of this year, December 31st, just so
• 8:49
  Suze: you know. But just don't play around, just do it
• 8:52
  Suze: all at once.
• 8:54
  Suze: And then do the backdoor Roth. OK, KT.
• 8:57
  KT: I have another Roth question, Suze.
• 9:00
  Suze: Does that surprise you since you picked them?
• 9:03
  KT: From Nicole kind of making a little theme here.
• 9:06
  KT: So Nicole said, Hi KT and Suze. I'm 30 years old.
• 9:10
  KT: I've been following your advice for the last year.
• 9:13
  Suze: I thought she was going to say for the last 25...
• 9:13
  KT: No, last she's only 30.
• 9:16
  KT: Your advice has given me the confidence to plan for
• 9:19
  KT: my future. Good for you, Nicole. Last year I started
• 9:22
  KT: a city job. I make $41,500 a year. My job
• 9:29
  KT: offers a 457B and a Roth 457B.
• 9:35
  KT: I was planning to pick the Roth because you say
• 9:38
  KT: it's the better option, but the representative, Nationwide, convinced me
• 9:43
  KT: to pick the 457B. Should I convert it to a
• 9:47
  KT: Roth 457B or keep the 457B?
• 9:54
  Suze: Now, I won't get too mad at you, because you've
• 9:57
  Suze: only been listening to me for a year.
• 10:01
  Suze: But don't you think, Nicole, you'd rather take advice from
• 10:06
  Suze: somebody like me than this idiot who gave you the
• 10:10
  Suze: advice to do the 457B number one? All you are
• 10:14
  Suze: making right now is $41,500 a year.
• 10:20
  Suze: That will put you in one of the lowest income
• 10:23
  Suze: tax brackets out there. Why in the world would you
• 10:28
  Suze: do a traditional 457 to simply save money on taxes,
• 10:33
  Suze: which will be very little, and giving up compounding tax-free
• 10:39
  Suze: with a Roth? Are you crazy?
• 10:41
  Suze: So no, you are to do a Roth 457B and
• 10:45
  Suze: you are to never ever take advice from this person again. KT.
• 10:51
  KT: So, Suze, my next question is from Maria, so keep
• 10:54
  KT: up with me. I'm all over the road today. My
• 10:57
  KT: massage therapist mentioned she rolled over her husband's work traditional
• 11:02
  KT: 401k into a gold traditional investment IRA two years ago,
• 11:08
  KT: and it has doubled since then.
• 11:11
  KT: Is that possible, Suze?
• 11:12
  Suze: Yes, it's possible.
• 11:14
  KT: So now Maria said Suze, I was thinking of maybe
• 11:17
  KT: a Gold Roth IRA.
• 11:21
  KT: So what do you say to that? Is there a
• 11:23
  KT: gold Roth IRA?
• 11:25
  Suze: Actually, within a traditional Roth IRA or IRA for that matter,
• 11:31
  Suze: one that you would get at Fidelity, at Schwab, at
• 11:34
  Suze: a major brokerage firm, you cannot
• 11:38
  Suze: hold the physical commodity gold. You cannot do it. To
• 11:43
  Suze: buy the physical commodity and hold it in an IRA,
• 11:48
  Suze: you have to go through, uh, it's just a mess.
• 11:51
  Suze: There are ways for you to do it like your
• 11:54
  Suze: massage person did, but personally I don't think it's worth it. Maria,
• 12:01
  Suze: here's the thing.
• 12:02
  Suze: Right now when you have gold that has gone up
• 12:05
  Suze: so high.
• 12:07
  Suze: Do I think from here it can double? I do not.
• 12:12
  Suze: However, if you want to participate in gold within a
• 12:17
  Suze: Roth IRA, I think the best way for you to
• 12:20
  Suze: do it at this point is by buying an exchange
• 12:24
  Suze: traded fund by the symbol GLD. Just that simple. Why
• 12:29
  Suze: are you looking at me like that?
• 12:31
  KT: Well, because I have another gold question.
• 12:34
  Suze: Of course you do.
• 12:35
  KT: Are you ready? And this just kind of follows suit.
• 12:38
  KT: This is, um, this is from Janna. She said, my
• 12:41
  KT: husband and I listen to you all the time. Back
• 12:44
  KT: in June of 2022, you recommended a gold stock by
• 12:49
  KT: the name of Barrick Gold.
• 12:51
  Suze: I most certainly did. One of the best calls I've
• 12:53
  Suze: ever made.
• 12:54
  KT: All right. It was $18 at the time. The symbol
• 12:57
  KT: was G O L D.
• 12:59
  KT: All right,
• 13:00
  KT: I remember my husband wanted to buy 1000 shares, and
• 13:04
  KT: I didn't.
• 13:05
  KT: So we decided to only buy 500 shares or about
• 13:09
  KT: $9,000 in his Roth.
• 13:12
  Suze: Fabulous. See, there's gold in a Roth.
• 13:15
  KT: All right, there you go.
• 13:16
  Suze: Listen closely, Maria, what happened here.
• 13:19
  KT: Listen to what Janna said. She said he never shared
• 13:21
  KT: much with me about money. I always was afraid to
• 13:25
  KT: do anything. He recently died, so.
• 13:27
  KT: I'm trying to figure things out, Suze. I looked up
• 13:31
  KT: the symbol of G O L D, and it shows
• 13:34
  KT: a stock, but it's not Barrick. Did Barrick go belly up?
• 13:39
  KT: So is all the money gone? I'm just trying to
• 13:41
  KT: figure things out.
• 13:43
  Suze: So...
• 13:44
  KT: So Janna is really lost.
• 13:45
  Suze: So Janna, here's what happened sometime a year ago, maybe
• 13:48
  Suze: not even that. Barrick changed its symbol. It's on the
• 13:53
  Suze: New York Stock Exchange under the letter B.
• 13:56
  Suze: Let me tell you a little bit about Barrick so
• 13:59
  Suze: that you know. Number one, Maria, from the question before,
• 14:04
  Suze: listen closely, all right. The reason that I told everybody
• 14:08
  Suze: back in 2022 to buy Barrick gold is number one,
• 14:12
  Suze: I thought eventually it would go up, but it was
• 14:15
  Suze: also paying 40 cents a share of a dividend, so
• 14:19
  Suze: it was like a 2.something% return on your money even
• 14:23
  Suze: if gold did nothing.
• 14:25
  Suze: However, over the years, Janna, Barrick has raised its dividend
• 14:31
  Suze: to 70 cents a share, number one, based on the
• 14:36
  Suze: fact that you bought it at $18 a share. That's
• 14:41
  Suze: a 3.8% return just in dividends alone. Fabulous, given if
• 14:48
  Suze: you look at money markets and things like that, are
• 14:50
  Suze: even lower than that right now.
• 14:53
  Suze: Next, if you put in the letter B and look
• 14:57
  Suze: up the price of Barrick right now, it's about $50
• 15:02
  Suze: a share. So your 500 shares did not go belly up,
• 15:07
  Suze: my love. They are now worth about $25,500.
• 15:14
  KT: That's great, right?
• 15:16
  Suze: So, so here's the only thing I'm gonna say. I'm
• 15:19
  Suze: very number one, sorry for your loss.
• 15:22
  Suze: But the truth is you should have bought 1,000 shares.
• 15:25
  Suze: You should have listened to him, all right, but don't worry,
• 15:29
  Suze: everything is so great I can't even tell you. You
• 15:33
  Suze: did the right thing.
• 15:35
  Suze: There you go. All right.
• 15:36
  KT: Well, good, Janna, and now you know you never lost that.
• 15:39
  Suze: Barrick was a mining company, KT, and the reason I've
• 15:43
  Suze: kind of switched now to gold is that now gold
• 15:47
  Suze: is the commodity. Barrick has also gone up tremendously, obviously,
• 15:50
  Suze: far more than just a double, um, so that's why
• 15:54
  Suze: I kind of switched to GLD.
• 15:57
  Suze: The ETF. Oh, I'm so happy for her.
• 15:59
  KT: Me too. I'm really glad she found it. There's nothing
• 16:03
  KT: worse than trying to figure things out, and basically she
• 16:05
  KT: thought she lost all that money.
• 16:07
  Suze: Yeah, because you go to put in GOLD, and it's
• 16:09
  Suze: a whole different..
• 16:10
  KT: What... that was only four years ago.
• 16:12
  Suze: That's pretty great, right?
• 16:13
  KT: Yeah, that really, that's a huge...
• 16:14
  Suze: Actually, truthfully, it was in June.
• 16:18
  Suze: Of, um, 2022 that I first recommended it, so it
• 16:22
  Suze: wasn't even four years ago anyway, go on.
• 16:25
  KT: All right, so question from Lauren and, and this is
• 16:27
  KT: based on January 22nd episode she learned all about IRAs
• 16:32
  KT: and she said, Suze, is it possible to convert a
• 16:35
  KT: SEP IRA into a SEP Roth IRA?
• 16:39
  Suze: If you could find one.
• 16:41
  KT: All right. Second, if so, how should that be done properly? Three,
• 16:46
  KT: my current investments are down about 2%. Does that make
• 16:51
  KT: now a smart time to convert and potentially take advantage
• 16:55
  KT: of tax loss harvesting?
• 16:57
  Suze: Great. Now you're not gonna be able to do any
• 17:00
  Suze: tax loss harvesting.
• 17:01
  Suze: Because everybody tax loss harvesting is when you take your
• 17:05
  Suze: losses now and are able to offset them for your taxes.
• 17:09
  Suze: So everybody don't ever make the mistake that the money
• 17:14
  Suze: that you have in a retirement account is subject to
• 17:17
  Suze: capital gains or whatever when you sell within there or losses.
• 17:21
  Suze: It doesn't work that way. However, the truth of the matter,
• 17:25
  Suze: my dear Lauren, when the money in a SEP IRA
• 17:29
  Suze: is down.
• 17:31
  Suze: And you want to get it into a Roth, now
• 17:34
  Suze: is when you wanna do it, because since it's down
• 17:38
  Suze: and you do convert it, you're not gonna owe as
• 17:41
  Suze: much on taxes, but it's not known as tax loss harvesting. However...
• 17:48
  Suze: Here's the problem. Even though now legally you can have
• 17:53
  Suze: a SEP Roth IRA, OK, good luck finding one. None
• 17:59
  Suze: of the major brokerage firms allow them. I can't find
• 18:02
  Suze: any of them. So here's what you would do. Who
• 18:07
  Suze: cares if it's another SEP? Just take your SEP IRA
• 18:12
  Suze: and convert it to a Roth IRA knowing you are
• 18:16
  Suze: going to pay taxes on whatever amount you convert, and
• 18:20
  Suze: now it's all in a Roth IRA and you can
• 18:23
  Suze: keep your SEP IRA funding it for as much as
• 18:27
  Suze: you can every year and then just convert it to
• 18:30
  Suze: a Roth IRA every single year. And that's how I
• 18:34
  Suze: would do it if I were you. All right, KT.
• 23:38
  KT: Next question is from Anne. She said, thank you for
• 23:41
  KT: your podcast. They've been invaluable to me and to many
• 23:44
  KT: others who listen.
• 23:46
  KT: Regarding Social Security benefits after 20 years of marriage that
• 23:52
  KT: ended in an annulment...
• 23:54
  Suze: How is that possible?
• 23:54
  KT: I know, I don't know, would I be eligible to
• 23:58
  KT: receive one half of my former spouse's Social Security?
• 24:03
  Suze: Wait, did she say that it absolutely already ended?
• 24:07
  KT: After 20 years of marriage that ended in an annulment.
• 24:11
  KT: It already happened.
• 24:13
  Suze: Anne are you sure, or did your ex-husband tell you
• 24:17
  Suze: that it ended in an annulment? Are you positive that
• 24:20
  Suze: it did? 20 years is a long time to be
• 24:24
  Suze: married and end in an annulment, but let's just say
• 24:27
  Suze: for now it did. What's the question, KT?
• 24:30
  KT: So the question is.
• 24:33
  KT: Regarding Social Security, is she eligible to receive one half
• 24:38
  KT: of my former spouse's Social Security benefits?
• 24:43
  KT: She said she understands it's a complex situation.
• 24:46
  Suze: It's a complex situation because she allowed it to happen. Why, Anne,
• 24:50
  Suze: would you even allow that? Why didn't you just get divorced?
• 24:54
  Suze: If you look at the rules.
• 24:57
  Suze: You only get part of your spouse's or ex-spouse's Social Security,
• 25:03
  Suze: if in fact you were married legally at least 10 years.
• 25:09
  Suze: Or got divorced. Because it was annulled, meaning you were
• 25:15
  Suze: never married to him. That's what an annulment means. So
• 25:19
  Suze: given you were never married to him, you will not
• 25:24
  Suze: in most cases qualify for any of his social security, however.
• 25:30
  Suze: There are, I am sure, limited technical exceptions, um, and
• 25:35
  Suze: you should check whatever state you live in. There are specific
• 25:39
  Suze: state laws, in which case maybe Social Security treats it differently.
• 25:44
  Suze: It's something that I would absolutely look into, given how
• 25:49
  Suze: much money we're probably talking about here. If it were me,
• 25:53
  Suze: I would have an expert review your decree.
• 25:56
  Suze: That you really have an annulment and the annulment is valid.
• 26:01
  Suze: Wanna know what I really think, KT?
• 26:04
  Suze: I'm not sure Anne knows that it's absolutely valid. I
• 26:08
  Suze: think her, this is going to be crazy what I think,
• 26:11
  Suze: but that's not unusual. I think her ex-husband thought if
• 26:16
  Suze: she got benefits, he was going to have to be
• 26:19
  Suze: the one who paid her. He may not have gotten
• 26:23
  Suze: that if she got ex benefits from him. It doesn't
• 26:26
  Suze: come from him. It comes from Social Security.
• 26:30
  KT: It doesn't lessen his.
• 26:31
  Suze: It doesn't lessen his. And so why else would he
• 26:35
  Suze: most likely have wanted to do an annulment unless he
• 26:39
  Suze: just really wanted to punish her seriously. So, Anne, if
• 26:44
  Suze: I were you, I would get on my warrior outfit,
• 26:49
  Suze: and I would do whatever I can to get that
• 26:52
  Suze: annulment declared invalid and get a divorce from him if
• 26:57
  Suze: you can.
• 26:58
  Suze: Sad KT. So I think we have to end on
• 27:02
  Suze: that one.
• 27:03
  KT: It's sad, right? Annulment after... Annulments, I thought were when
• 27:08
  KT: two kids run away to Las Vegas. They drink too much,
• 27:10
  KT: they get married. They come home, tell their parents, and
• 27:13
  KT: the parents say, Oh, this is getting annulled. Something is
• 27:16
  KT: not right with the annulment.
• 27:19
  Suze: And are you sure he got one, or did he
• 27:21
  Suze: just tell you he got one?
• 27:24
  Suze: I don't know.
• 27:25
  KT: She would have to know. A marriage is a marriage. Two
• 27:28
  KT: people have to know.
• 27:29
  Suze: Well, let's just... Anne, you check it out. So everybody...
• 27:33
  KT: And let us know. I'm curious.
• 27:36
  Suze: Yeah, we are.
• 27:38
  Suze: I have no idea what I'm going to do for
• 27:39
  Suze: Suzie's school on Sunday. So,
• 27:43
  Suze: You wanna say anything else before we go, KT?
• 27:45
  KT: Happy birthday again, Oprah.
• 27:47
  Suze: All right, so until Sunday, there's only one thing that
• 27:50
  Suze: we want you to remember when it comes to your money, sweetheart.
• 27:53
  Suze: Tell him everything. What do I want them to know?
• 27:55
  KT: It is people first, then money, then things, and you
• 27:59
  KT: stay safe and warm across this country. Stay warm.
• 28:04
  Suze: Stay warm and seriously, given everything that's going on out there,
• 28:08
  Suze: which I think is such a heartbreak, and I have
• 28:11
  Suze: to tell you I think it is so wrong. It's
• 28:14
  Suze: not even funny. Please all of you stay safe. Bye bye.