Latest / Suze Orman's Women & Money (And Everyone Smart Enough To Listen) / Don’t Be Afraid of The Future

Transcript

Don’t Be Afraid of The Future · Suze Orman's Women & Money (And Everyone Smart Enough To Listen)

• 0:08
  Suze: February 1st, 2026. Welcome everybody to the Women in Money podcast,
• 0:15
  Suze: as well as everybody smart enough to listen. And today is,
• 0:20
  Suze: I guess it's Suze School. Maybe it's Suze Story.
• 0:25
  Suze: Maybe it's just Suze, who knows? But hopefully you'll listen
• 0:30
  Suze: and get something out of it. But I just want
• 0:33
  Suze: to tell you a little thing.
• 0:35
  Suze: Yesterday, I was in my studio, and as you know,
• 0:39
  Suze: we moved from the island, we sold the island and
• 0:43
  Suze: we moved back to Florida. And by the way, I
• 0:46
  Suze: keep having to tell all of you, Colo is great.
• 0:50
  Suze: He's doing fine. Doesn't matter how many times I say
• 0:54
  Suze: it on this podcast, it's like you don't believe me,
• 0:57
  Suze: so you keep writing it in. I'm telling you, he's listening. Colo,
• 1:01
  Suze: I know you listen every single Podcast.
• 1:04
  Suze: Tell everybody, you and Annie are doing great. OK. However,
• 1:11
  Suze: because we've moved back here, I've been so trying to
• 1:14
  Suze: get my studio together here in Florida, and it's very
• 1:19
  Suze: different than it was on the island because on the
• 1:21
  Suze: island I had this little room and I turned it
• 1:24
  Suze: into a soundproof room and it was just so easy
• 1:27
  Suze: to go in there and do TV and everything, the
• 1:30
  Suze: lights were set up perfect.
• 1:33
  Suze: Here, we don't have a little space like that, and
• 1:36
  Suze: the only place I can do it is we turn
• 1:38
  Suze: the second bedroom into the podcast studio and the TV studio,
• 1:44
  Suze: but it has windows and sun pours in, and it
• 1:48
  Suze: becomes very difficult to do cameras or anything. So, every
• 1:52
  Suze: day I've been trying to figure it out.
• 1:56
  Suze: And so yesterday, KT came in as I was trying
• 2:00
  Suze: to figure out what I was going to do today
• 2:03
  Suze: for all of you, and she kind of sat down
• 2:06
  Suze: and I had the camera going just to see what
• 2:10
  Suze: it looked like and could it be arranged that maybe
• 2:13
  Suze: we could ever do a podcast with both of us
• 2:16
  Suze: on the video. And so we pushed the button and
• 2:20
  Suze: we just recorded something.
• 2:22
  Suze: We don't have makeup on. We weren't ready to do this,
• 2:26
  Suze: nothing like that, and it was cute. So I'm gonna
• 2:29
  Suze: post it today. Do not tell KT cause she will
• 2:33
  Suze: absolutely kill me. But anyway, take a look at it.
• 2:38
  Suze: I think you'll enjoy it. We're gonna post it, by
• 2:40
  Suze: the way, on the Women and Money Community app on
• 2:44
  Suze: the wall there. I don't think it's quite ready for
• 2:46
  Suze: real prime time yet, but I think all the community members,
• 2:50
  Suze: I think you'll enjoy it.
• 2:52
  Suze: And you'll see what we really look like. OK, now, anyway.
• 2:58
  Suze: Today's podcast.
• 3:01
  Suze: You know, I want to say we live in a
• 3:05
  Suze: time and a place, where everything just seems so uncertain.
• 3:13
  Suze: So upside down. So going back to the past when
• 3:20
  Suze: so many things were just not equal. Women have been
• 3:24
  Suze: losing their rights. We've gone backwards there now. We have
• 3:28
  Suze: all kinds of discrimination throughout the United States and honest
• 3:32
  Suze: to God,
• 3:34
  Suze: it feels like we are going back to the days
• 3:39
  Suze: before really the United States experienced freedom for all.
• 3:45
  Suze: And I just can't even begin to tell you how
• 3:48
  Suze: much that upsets me, and I know it upsets all
• 3:51
  Suze: of you. There is no way that any of you
• 3:55
  Suze: can look and watch on television and see everything that's
• 3:58
  Suze: happening out there. You just can't. There's gotta be a
• 4:03
  Suze: different way to do it.
• 4:06
  Suze: And when uncertainty happens like that, and you add to
• 4:12
  Suze: that uncertainty... Are we going to have tariffs or are
• 4:15
  Suze: we not?
• 4:17
  Suze: Are interest rates going to go down, or are they not?
• 4:21
  Suze: Is the stock market going to go up, or is
• 4:24
  Suze: it gonna go down?
• 4:27
  Suze: And everybody is absolutely freaked out. Bitcoin, is Bitcoin gonna
• 4:34
  Suze: continue to go down, or is it gonna go back up?
• 4:38
  Suze: What are these things going to do?
• 4:42
  Suze: And what's interesting about all of that is that if
• 4:46
  Suze: you think about everything I just talked about.
• 4:50
  Suze: Stocks, even real estate, Bitcoin, all these things are controlled
• 4:58
  Suze: by people, people who are buying, people who are selling.
• 5:04
  Suze: And right now the fear barometer is so high, it's
• 5:10
  Suze: not even funny. It's like everything that's going on in
• 5:13
  Suze: the world, Venezuela, Iran, Ukraine, all this stuff, Israel still.
• 5:21
  Suze: All this stuff has seeped into the fabric of who
• 5:26
  Suze: we are as human beings, and it's very, very difficult
• 5:32
  Suze: to make a rational decision when you are coming from
• 5:37
  Suze: a place of fear.
• 5:39
  Suze: Which is why just a little bit ago I did
• 5:42
  Suze: a podcast on that. But it's even more than fear. It's,
• 5:48
  Suze: it's confusion. It's not knowing how do you solve these problems,
• 5:54
  Suze: especially when you're not even the one in most cases
• 5:59
  Suze: that are creating them, even though there's all this confusion
• 6:03
  Suze: out there and this, all these messages that don't make
• 6:06
  Suze: any sense if you ask me.
• 6:08
  Suze: The truth of the matter is you can't afford to
• 6:14
  Suze: be confused.
• 6:16
  Suze: You can't afford not to do what you need to
• 6:20
  Suze: do with your money and just block out all the
• 6:24
  Suze: noise that's out there. And I'm starting to want to
• 6:27
  Suze: just throw things at the TV when I hear some
• 6:31
  Suze: of these pundits go on CNBC and everything and say:
• 6:36
  Suze: "Gonna be an AI bubble. Yeah, everything's gonna go down considerably..."
• 6:42
  Suze: And they keep saying it, and they keep saying it,
• 6:45
  Suze: and they keep saying it, and yeah, a lot of
• 6:48
  Suze: these stocks have taken a serious hit.
• 6:52
  Suze: But aren't all of you that are invested in the
• 6:56
  Suze: stock market, aren't all of you invested with money that
• 7:01
  Suze: you are not going to need for at least five
• 7:05
  Suze: or 10 years or longer? Wasn't that the deal that
• 7:08
  Suze: we made for money that is in the stock market?
• 7:12
  Suze: And why did we make that deal?
• 7:15
  Suze: It's because of course things go up and up and
• 7:19
  Suze: up and then of course things go down and down
• 7:23
  Suze: and down and then they go right back up again
• 7:29
  Suze: but you need time for that to happen and if
• 7:33
  Suze: you just are investing and you're simply doing this thing
• 7:38
  Suze: where
• 7:39
  Suze: Oh, I was doing so great. Everything was up so much.
• 7:42
  Suze: Oh my God, I can't believe it, and now it's down,
• 7:45
  Suze: and now you're depressed or you don't know what to do.
• 7:48
  Suze: You are probably making serious mistakes, and what are the
• 7:54
  Suze: serious mistakes that you're making is you don't continue to
• 7:58
  Suze: dollar cost average into the stocks that you know are strong,
• 8:04
  Suze: you know they have a future, you know it.
• 8:08
  Suze: But yet you now have been scared to make any moves.
• 8:13
  Suze: Do you know that over the past 40 years, and
• 8:18
  Suze: I'm going to give you these numbers because I really
• 8:21
  Suze: want you to understand them.
• 8:24
  Suze: Because history has now proven that it does repeat itself
• 8:29
  Suze: and so many of you, even though you've been purchasing
• 8:33
  Suze: individual stocks, the advice really was purchase individual stocks to
• 8:38
  Suze: get a little bit more of a return. But there's
• 8:41
  Suze: nothing wrong with having 50% of your money in the
• 8:44
  Suze: Standard and Poor's 500 index. Do you remember us talking
• 8:48
  Suze: about that? Can you get out your little Suze notebooks?
• 8:52
  Suze: Can you do that for me?
• 8:54
  Suze: Do you know that out of the past 40 years
• 8:59
  Suze: since 1985, so we'll just go through 2025...
• 9:05
  Suze: That there were only seven years out of the past
• 9:10
  Suze: 40 years, OK.
• 9:14
  Suze: So, 33 of those years, the S&P 500 went up,
• 9:21
  Suze: seven of those years, the S&P 500 went down. Now,
• 9:27
  Suze: do you think that the odds are with you or not?
• 9:31
  Suze: You know, and I'm just gonna read these figures for you.
• 9:34
  Suze: In fact, here's what I'm gonna do. I'm gonna put
• 9:37
  Suze: a little picture on the Women and Money Community app
• 9:42
  Suze: and I will show you the returns of 1985 all
• 9:48
  Suze: the way through 2025 per year.
• 9:52
  Suze: And when you look at those, and you look at
• 9:55
  Suze: the 33 years that went up, and the seven years
• 9:59
  Suze: that went down,
• 10:02
  Suze: and you know that you have at least five years
• 10:07
  Suze: or longer till you need this money, because when I
• 10:11
  Suze: look at these numbers, so rather than giving you the numbers,
• 10:15
  Suze: I'm just gonna go up and down, all right? Starting
• 10:17
  Suze: in 1985, up, up, up, up, up, down.
• 10:22
  Suze: Up, up, up, up, up, up, up, up, up, down, down, down,
• 10:27
  Suze: see why you need five or 10 years or longer
• 10:30
  Suze: then up, up, up, up, up, down, up up up
• 10:33
  Suze: up up up up up up down up up up
• 10:38
  Suze: down up up up.
• 10:42
  Suze: Do you see that?
• 10:43
  Suze: So, let's just say that it is a down year
• 10:47
  Suze: this year. I don't think it's gonna be, but let's
• 10:50
  Suze: just say it is, and maybe next year. These are
• 10:54
  Suze: the years that you continue to invest in the things
• 10:58
  Suze: that you wanna own, and if you don't know what
• 11:00
  Suze: you want to own, all right, just buy the Standard
• 11:02
  Suze: and Poor's 500 index ETF. Fine.
• 11:06
  Suze: But over the long run you're going to have, if
• 11:10
  Suze: history does repeat itself, more up years taking away the
• 11:16
  Suze: down years, and you've got to have that in mind now.
• 11:22
  Suze: One of the reasons that I'm so aggravated about people
• 11:27
  Suze: thinking that AI is in a bubble, have you not
• 11:31
  Suze: also heard me say to you?
• 11:34
  Suze: You have to invest in the future.
• 11:37
  Suze: You have to have the ability at least to kind
• 11:40
  Suze: of look and see where we are going and how
• 11:45
  Suze: AI semiconductors, all kinds of things are going to rule
• 11:51
  Suze: as time goes on. So you have to not be
• 11:56
  Suze: afraid of the future.
• 11:59
  Suze: And I was trying to think to myself, how do
• 12:02
  Suze: I really get it across how AI and semiconductors and
• 12:09
  Suze: everything that's going on is so far beyond truthfully, chat
• 12:14
  Suze: GPT and this and that and all those things that
• 12:18
  Suze: it's going to change everything in our lives.
• 12:23
  Suze: And the one way that I thought I could talk
• 12:25
  Suze: about it in terms of how it's going to change
• 12:29
  Suze: your life, every one of our lives, is by talking
• 12:34
  Suze: about AVs. Do you happen to know what an AV is?
• 12:39
  Suze: An AV is an autonomous vehicle.
• 12:43
  Suze: A vehicle that will absolutely drive itself.
• 12:48
  Suze: The level 5, it's called, the robotaxi, you see them
• 12:52
  Suze: sometimes in San Francisco or wherever, and you get in
• 12:55
  Suze: and it takes you to where you wanna go, no
• 12:59
  Suze: driver at all.
• 13:01
  Suze: So just put a pin in that for a second,
• 13:05
  Suze: and let's go back to the year 1910.
• 13:10
  Suze: And do you know in 1910 when the car was
• 13:14
  Suze: first being developed that there were 130,000 horses in New
• 13:20
  Suze: York City. Do you know that? And do you know
• 13:23
  Suze: that by 1920 there were only 56,000 horses.
• 13:29
  Suze: And do you know that a lot of the people
• 13:31
  Suze: that rode those horses and everything, I'm sure, thought that
• 13:35
  Suze: it was going to always be the only mode of
• 13:38
  Suze: transportation to get from A to Z or wherever you
• 13:42
  Suze: wanted to go.
• 13:44
  Suze: And then all of a sudden, everything started to change, seriously.
• 13:50
  Suze: You know, there were like stables and carriage houses and
• 13:53
  Suze: all kinds of things, and they totally disappeared.
• 13:57
  Suze: And they were replaced with gas stations and dealerships and
• 14:02
  Suze: everything started to spring up everywhere and then we were
• 14:06
  Suze: able to travel and everybody drove themselves and in the
• 14:12
  Suze: same way, believe it or not, we've gone from horses
• 14:17
  Suze: to driving cars ourselves. The next step is we're gonna
• 14:22
  Suze: have cars that really will drive themselves.
• 14:27
  Suze: So, what does this have to do with the future
• 14:30
  Suze: and investing in AI? Well, I'll tell you what it
• 14:35
  Suze: has to do.
• 14:36
  Suze: The amount of technology for a level 5 car to
• 14:43
  Suze: absolutely drive itself and do everything is so much grander
• 14:50
  Suze: and greater than what a car today that will park
• 14:54
  Suze: itself and do all those things it takes. It will
• 14:57
  Suze: take seven times more of all the technology, the brain power,
• 15:03
  Suze: the GPS, all of that.
• 15:05
  Suze: Than what's called a level 2 car today, which is
• 15:08
  Suze: a car that will park itself and with you in it,
• 15:12
  Suze: drive around.
• 15:14
  Suze: That's why there will be such an extraordinary need for semiconductors, AI,
• 15:22
  Suze: and all the things that everybody's telling you is in
• 15:26
  Suze: a bubble, because it's not just cars, everybody, it's going
• 15:32
  Suze: to be all kinds of things. I want you to
• 15:35
  Suze: think about this.
• 15:37
  Suze: It's gonna be farming equipment, mining equipment, the long haul truckers.
• 15:44
  Suze: You're gonna see trucks going down the road all by themselves,
• 15:48
  Suze: all these military applications, everything. Obviously it's gonna reduce the
• 15:55
  Suze: need for labor and all of that, OK, but it's
• 15:59
  Suze: going to require so much AI it's not going to
• 16:05
  Suze: be funny.
• 16:07
  Suze: And therefore, this is not an area that by any
• 16:12
  Suze: level that you can turn your back on.
• 16:16
  Suze: So, semiconductors and software and AI all of that is
• 16:22
  Suze: the foundation of the future.
• 16:26
  Suze: So, it is impossible for it to be in a bubble. Now,
• 16:30
  Suze: it is not impossible that some of those stocks are
• 16:34
  Suze: going to go down dramatically. A lot of those stocks
• 16:37
  Suze: are investing billions of dollars to do things. So, all right,
• 16:42
  Suze: they may go down, they may go up, they may
• 16:45
  Suze: go all over the place, but in the long run,
• 16:49
  Suze: the reason that I'm telling you all this is I
• 16:52
  Suze: can sense that you are freaked when you see certain
• 16:56
  Suze: stocks going down dramatically 30%, 40%, and the more they
• 17:03
  Suze: go down rather than you dollar cost averaging into them,
• 17:07
  Suze: rather than you being smart, rather than you taking control
• 17:12
  Suze: over the confusion that is in this world right now.
• 17:15
  Suze: You are becoming part of that confusion, and you are selling.
• 17:20
  Suze: You are selling because you have lost faith in the
• 17:23
  Suze: picture and the future and the long run of what
• 17:27
  Suze: is probable, not what is possible, but what is probable.
• 17:33
  Suze: So, I am asking all of you, as long as
• 17:37
  Suze: you have five, 10, 15 years or longer to have your money invested.
• 17:45
  Suze: To just stay calm.
• 17:47
  Suze: To continue to dollar cost average, to be in the
• 17:51
  Suze: areas of the market along with the overall market, the
• 17:55
  Suze: Standard and Poor's 500, and just continue to participate in
• 18:01
  Suze: what's going on out there now. All right, everybody.
• 18:06
  Suze: Now with that said, I get it. I get it.
• 18:10
  Suze: Believe me, I have many stocks, serious positions in many
• 18:16
  Suze: of these stocks.
• 18:19
  Suze: And, OK, they go down.
• 18:22
  Suze: And either I dollar cost average into them, or I'm
• 18:26
  Suze: just holding them.
• 18:29
  Suze: I want you to remember, given that tax season is
• 18:32
  Suze: just around the corner, that a lot of you purchased
• 18:36
  Suze: these stocks as they were going up and up and up.
• 18:39
  Suze: You have not held them for at least a year.
• 18:43
  Suze: So for those of you that do have gains and
• 18:47
  Suze: you're selling now, that's going to be taxed to you
• 18:49
  Suze: as ordinary income, that will be an absolute loss to
• 18:54
  Suze: you at that point in time.
• 18:56
  Suze: So, if you have gains, and you have held longer
• 18:59
  Suze: than a year, and you wanna reduce your position cause
• 19:02
  Suze: you have a lot or whatever, and you just wanna
• 19:05
  Suze: do that, and it allows you to sleep at night.
• 19:08
  Suze: The goal of money is for you to be secure
• 19:09
  Suze: and sleep, OK, do that.
• 19:14
  Suze: But, if they're good quality stocks, if there's stocks that
• 19:18
  Suze: participate in the future, you have the S&P 500.
• 19:24
  Suze: If I were you, I would be holding on. However,
• 19:30
  Suze: there's more to investing than just the futuristic things of
• 19:35
  Suze: AI and semiconductors and so on.
• 19:38
  Suze: There are things that all of you really are putting
• 19:41
  Suze: a lot of money in, and I do just want
• 19:44
  Suze: to caution you from doing so.
• 19:47
  Suze: Thursday's podcast, one of the questions was about Barrick Gold
• 19:52
  Suze: and how I recommended it back in, I think it
• 19:54
  Suze: was June of 2022 at 18, went up to 53
• 19:59
  Suze: or 54, came back down on Friday, 4 or 5 points,
• 20:03
  Suze: quite a bit, but still, you write me and you say,
• 20:07
  Suze: why aren't you talking and telling people to invest in
• 20:10
  Suze: gold more?
• 20:11
  Suze: Can't you see, Suze, what's happening to the dollar, 'cause
• 20:15
  Suze: it's true. The dollar is getting weaker and weaker and weaker.
• 20:20
  Suze: But I just want to say something about gold here.
• 20:25
  Suze: Gold has had a tremendous run.
• 20:29
  Suze: And when gold runs as fast as it has run,
• 20:34
  Suze: I would be very skeptical at this point in time
• 20:38
  Suze: in terms of adding a whole lot of gold to
• 20:42
  Suze: my portfolio. You know, I don't necessarily believe in owning
• 20:47
  Suze: the actual commodity itself, and I mentioned on Thursday, as
• 20:51
  Suze: I've mentioned for a long time now, if you want
• 20:54
  Suze: to buy gold and participate, OK, buy the ETF GLD.
• 20:59
  Suze: But I am just saying to you, just be careful
• 21:04
  Suze: here because I think more is at play with gold
• 21:07
  Suze: than you have any idea. All right. In terms of
• 21:12
  Suze: the weak dollar, concerns me a little bit, concerns me
• 21:17
  Suze: because I always thought the United States wanted a strong
• 21:21
  Suze: dollar policy, but I don't think the United States has
• 21:24
  Suze: any clue what they're doing one way or the other
• 21:25
  Suze: right now because nobody can agree on anything.
• 21:29
  Suze: So again, we don't want to be part of that confusion.
• 21:32
  Suze: Just understand how a weak dollar will affect you only truthfully.
• 21:40
  Suze: On a personal level right now, if you are traveling,
• 21:44
  Suze: like if you're going over to Europe, if you're doing
• 21:47
  Suze: things like that, it will be far more expensive for
• 21:51
  Suze: you right now because of the exchange rates. So just
• 21:56
  Suze: keep that in mind, but I wouldn't be too worried
• 21:59
  Suze: about it if I were you. Bitcoin, yes, it has
• 22:03
  Suze: come down quite a bit, hasn't it? However,
• 22:08
  Suze: I'm still saying, all right, I don't care. I still
• 22:12
  Suze: have faith in Bitcoin long run. I'm not putting any
• 22:16
  Suze: more money into it. I have very little. I have
• 22:19
  Suze: it via the ETF, by the way, IBIT, and another
• 22:22
  Suze: one that pays a nice little dividend, but I still
• 22:25
  Suze: want to just stick with IBIT for all of you.
• 22:28
  Suze: A little exposure,
• 22:31
  Suze: great, but you might have to wait years or a
• 22:34
  Suze: while now. Know that if it doesn't hold right around
• 22:38
  Suze: this 88,000 area and close there over the next few
• 22:42
  Suze: days or whatever, it's very probable you'll see it go
• 22:45
  Suze: down to 69,000 or whatever, which is actually what it
• 22:49
  Suze: was around two years ago for the Super Bowl, and
• 22:53
  Suze: then it went all the way up, and now it's
• 22:55
  Suze: all the way back down again. See, we have a
• 22:56
  Suze: trend here.
• 22:58
  Suze: But don't freak about it. None of you should have
• 23:01
  Suze: all of your money in Bitcoin. None of you should
• 23:04
  Suze: have all of your money in gold. None of you
• 23:08
  Suze: should have those types of investments being a large part
• 23:13
  Suze: of your portfolio. I would not have it be more
• 23:17
  Suze: than 5% of a portfolio, and even that may be
• 23:20
  Suze: a lot for many of you. So it too has
• 23:24
  Suze: to go through its cycle.
• 23:26
  Suze: I think that it's very probable that the last half
• 23:29
  Suze: of February we'll see these markets rally, but who knows.
• 23:34
  Suze: And the reason that nobody can know anymore is because
• 23:36
  Suze: of the confusion out there. So we're now back to
• 23:39
  Suze: where I started the podcast.
• 23:42
  Suze: We have to get a handle on what's happening in Minnesota,
• 23:47
  Suze: what's happening throughout the United States. We have to get
• 23:51
  Suze: a handle and have our stories be right and not
• 23:56
  Suze: have one politician say something and then another politician say
• 24:00
  Suze: something else. We have to be on the same train
• 24:04
  Suze: going in the same direction so that we all get there.
• 24:09
  Suze: Confusion causes disruption. Disruption in your own stability causes you
• 24:17
  Suze: to do things like selling when you should be buying
• 24:20
  Suze: and buying when you should be selling, and therefore, the
• 24:25
  Suze: markets can be crazy for a while here.
• 24:28
  Suze: So, don't be one of those investors where you want
• 24:34
  Suze: how it was last year. It went up and up
• 24:36
  Suze: and up and up and up and up and up.
• 24:39
  Suze: Be one of those investors, where you have the understanding
• 24:44
  Suze: that when something goes up, something goes down, something goes up,
• 24:48
  Suze: it's building a foundation.
• 24:51
  Suze: A foundation under it to make it stronger for its
• 24:56
  Suze: next leg up in whatever those good stocks may happen
• 25:01
  Suze: to be.
• 25:04
  Suze: All right.
• 25:06
  Suze: Don't forget to go to the Women and Money app.
• 25:08
  Suze: You can get it on Google Play or Apple Apps
• 25:11
  Suze: to see the little video, the little video I'm gonna
• 25:14
  Suze: put up. It's only like maybe a minute long.
• 25:17
  Suze: But you'll see KT is so dang cute I can't
• 25:21
  Suze: even stand it. This afternoon, February 1st, we're all going
• 25:27
  Suze: to my brother-in-law Tom Stender's 75th birthday. His birthday really
• 25:33
  Suze: isn't until February 11th, but we're all going today. His
• 25:37
  Suze: kids came in. They surprised him, so the whole family
• 25:41
  Suze: is here.
• 25:42
  Suze: And what's funny is we're going to a little restaurant
• 25:45
  Suze: called Mai Kai, which is this like tropical Hawaiian place,
• 25:49
  Suze: and it's like 35 degrees here in Florida. So, Tom, happy,
• 25:55
  Suze: happy birthday, my dear brother-in-law.
• 25:59
  Suze: I hope you know what an extraordinary human being you are,
• 26:04
  Suze: and I hope you never ever forget that. But until
• 26:08
  Suze: Thursday when Miss Travis does join us for another Ask
• 26:12
  Suze: KT and Suze Anything.
• 26:14
  Suze: There's really only one thing that I want you to remember,
• 26:16
  Suze: and it's this people first, then money, then things, and
• 26:22
  Suze: you stay autonomous with your money and stay safe. Bye-bye now.