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Suze’s Projections for 2026 · Suze Orman's Women & Money (And Everyone Smart Enough To Listen)

0:08
Suze: January 11th, 2026. Welcome everybody to the Women and Money
0:13
Suze: podcast and everybody smart enough to listen. Suze O here
0:18
Suze: and today is Suze School, and this is the podcast
0:22
Suze: that many of you have been waiting for. You have
0:26
Suze: wanted to hear about what's gonna happen to money, what
0:30
Suze: should you be investing in? Where is the economy going?
0:34
Suze: You have been waiting and waiting cause it's a new year.
0:37
Suze: So, everybody's making new projections, but I opened up this
0:41
Suze: year not making new projections. I opened it up with
0:45
Suze: telling you things that I really wanted you to know
0:47
Suze: that had nothing to do really with, if the stock
0:50
Suze: market went up or the stock market went down. It
0:53
Suze: had to do with how you make more money out
0:56
Suze: of the money you already have, which is really the
0:59
Suze: focus of the Women and Money podcast.
1:03
Suze: This isn't a podcast, everybody, if you're just joining us
1:06
Suze: for the first time, where all we talk about is
1:10
Suze: what you should invest in, what you should be buying,
1:12
Suze: you should be selling the economy, we talk about you.
1:17
Suze: It's personal finance. It's what do you personally need to
1:21
Suze: know to make your life better. The things that nobody
1:26
Suze: really wants to deal with a trust, a will, what
1:29
Suze: kind of retirement account? Should you refinance your house? Should
1:33
Suze: you even buy a house? Not is real estate going up,
1:36
Suze: is real estate going down? No. Of course, we talk
1:39
Suze: about some of those things, but not everything
1:44
Suze: hat has to do with you being financially successful is
1:48
Suze: about buying and selling stocks.
1:52
Suze: So, just know that the other day I was interviewed
1:56
Suze: by Kiplinger's magazine. I don't know when it's coming out,
1:59
Suze: but that's all right, and they asked me something to
2:03
Suze: the effect of, what is it that I would want
2:06
Suze: everybody to know? Something like that. I don't remember the
2:08
Suze: exact phrasing.
2:10
Suze: And I said, the most important thing everybody should know
2:15
Suze: is that you can never fix a financial problem with money.
2:20
Suze: And so many of you think that your problem out there.
2:25
Suze: It is all about not having as much money as
2:28
Suze: you need or want or knowing what to do with
2:31
Suze: your money or whatever it may be.
2:34
Suze: You and your money are one. I've said this before,
2:37
Suze: I'll say it forever. So if your money is a
2:41
Suze: financial chaotic mess, it means you are a chaotic mess
2:46
Suze: cause you're the one who controls your money.
2:50
Suze: The other thing that I found a little bit fascinating
2:53
Suze: is that as I was reading some of the posts
2:57
Suze: on the Women and Money podcast wall, so there is
3:01
Suze: a community app called Women and Money, and you can
3:04
Suze: download it by going to Apple Apps or Google Play,
3:08
Suze: and there's little boxes that you can search the podcast,
3:13
Suze: you can do all kinds of things, but there's a
3:15
Suze: wall where many people post, and I was reading a
3:18
Suze: few of them.
3:19
Suze: And people were saying, Suze, can you make this more
3:24
Suze: for retired people? I feel like everything is still for
3:28
Suze: people who are just working, and I'm now getting older.
3:32
Suze: Don't talk to me about getting older. I'm gonna be 75.
3:35
Suze: Right? But that I'm getting older and I need advice.
3:39
Suze: What do I do now that I'm no longer working,
3:42
Suze: now that I'm in my retirement years, what should I do?
3:47
Suze: Listen to me very closely, everybody.
3:51
Suze: What you do with money is not based simply on age.
3:57
Suze: It's based on
4:00
Suze: your economic situation. There are many, many people in retirement
4:06
Suze: that don't worry about money because they've done everything I
4:10
Suze: ever asked them to do over 30 or 40 years
4:12
Suze: and now they have a lot of money, their home
4:15
Suze: is paid off, everything is fine now they just kind
4:18
Suze: of wanna know how do they keep it safe, what
4:20
Suze: do they do, things like that. We talk about that
4:23
Suze: all the time if you think about it. Maybe you're 33.
4:28
Suze: And other 33 year olds are doing really great.
4:33
Suze: And you're trying to keep up with them, I don't know,
4:36
Suze: but you're a different 33 year old based on your
4:40
Suze: economic situation, cause maybe you haven't been able to find
4:43
Suze: a job or whatever it is. So, stop feeling like
4:47
Suze: I'm in retirement. You need to talk to retirement people
4:51
Suze: more than you're talking to others.
4:54
Suze: And some of you on the actual app agreed with everybody. Yeah,
5:00
Suze: I wanna hear more about what should I do now
5:02
Suze: with my money that I'm in retirement.
5:05
Suze: I was like, can you tell I got a little
5:07
Suze: aggravated at all of you? I wanted to say, really?
5:11
Suze: Do you think I haven't been talking directly to all
5:14
Suze: of you? Of course I have. But if you are
5:18
Suze: in your retirement years and you've done everything that I've
5:23
Suze: ever asked you to do, you would be investing then
5:27
Suze: like a 45 year old, a 55 year old. You
5:31
Suze: wouldn't be investing because you were older if all your
5:35
Suze: bases were covered.
5:39
Suze: So, depends on your individual situation, what you need to know.
5:45
Suze: And there's so much you need to know. There are
5:48
Suze: basic rules.
5:50
Suze: Own your home outright if you're going to stay in
5:52
Suze: it forever by the time you retire. Make sure that
5:55
Suze: you're totally out of debt. Downsize to decrease your expenses
5:59
Suze: so that you can afford things. Cut out things if
6:03
Suze: you don't have enough money. Maybe look into getting a
6:06
Suze: guaranteed income source through an immediate annuity. There are so
6:10
Suze: many things, and especially for you, for those of you
6:13
Suze: 50 and older, my book,
6:16
Suze: The Ultimate Retirement Guide for 50+. I wrote an entire
6:19
Suze: book for all of you. Are you kidding me?
6:23
Suze: By the way, I think if you go on the
6:25
Suze: Women in Money app,
6:27
Suze: and you look at the Suze shop. I think that
6:30
Suze: book is there still for $10 and that includes shipping.
6:34
Suze: Might want to check that out. Just know if you're
6:39
Suze: needing something, I'll eventually get to it cause I do
6:42
Suze: cover everything you need to know sooner than later when
6:47
Suze: it comes to money regardless of your age, but
6:53
Suze: today, I do want to give you an overview of
6:57
Suze: what I think is happening in the economy and also
7:00
Suze: kind of tell you why I just wanted to wait
7:03
Suze: and not come out of the gate 11 days ago with,
7:07
Suze: this is what I think, here's your new forecast for
7:09
Suze: the year. I just wanted to see what was gonna happen.
7:13
Suze: I just did. I wanted to see what we'd be
7:16
Suze: affected by Venezuela because it was obvious that was going
7:19
Suze: to happen.
7:21
Suze: What was going to happen with ICE? What was gonna
7:23
Suze: happen if something went wrong, and it did.
7:27
Suze: So, I just wanted to see how would it affect
7:30
Suze: the markets.
7:33
Suze: Were the markets going up? Were they going down? What
7:35
Suze: were they doing? What was AI doing? I just wanted
7:38
Suze: to see things get a hold for me to be
7:42
Suze: able to then say, OK.
7:45
Suze: This is what I think, and now I'm gonna share
7:49
Suze: it with you, so I want all of you to
7:51
Suze: listen to me now.
7:53
Suze: I just said it, but I'm going to say it again.
7:56
Suze: There is so much noise right now about the markets,
8:00
Suze: about politics, about interest rates, about what should I do,
8:04
Suze: what shouldn't I do, AI, oil prices, elections, headlines, and
8:10
Suze: in my opinion, they are all designed to scare you.
8:16
Suze: And they scare you so badly, you don't even want
8:19
Suze: to open your statements. You become this little thing that
8:22
Suze: sticks their head in the sand and goes, I can't
8:25
Suze: deal with anything. I can't watch TV. I don't want
8:27
Suze: to see the news, I don't wanna do this, I
8:29
Suze: don't wanna do it. I just don't wanna know, and
8:32
Suze: you turn on HGTV.
8:36
Suze: Well, that's what KT says. Can we just watch HGTV?
8:38
Suze: Can we just stop watching the news? So, here is
8:42
Suze: the truth though, that I want you to hear loud
8:46
Suze: and clear from me.
8:48
Suze: I personally believe that the foundation of this market remains
8:55
Suze: strong and that the trends that matter most are still,
9:00
Suze: in my opinion, working in your favor. I want to
9:04
Suze: talk about the United States of America for a second,
9:08
Suze: cause a lot of people are emailing and saying, Suze,
9:11
Suze: don't you think we should invest overseas? Don't you think
9:14
Suze: you should be recommending cause you never have some global
9:18
Suze: investments and things like that?
9:20
Suze: And the answer to that is no, I don't think so.
9:24
Suze: I think that the United States is still the place
9:28
Suze: of the most extraordinary opportunity out there, and it has
9:32
Suze: nothing to do with politics.
9:36
Suze: You have got to leave politics out of the decisions
9:40
Suze: that you make with money. Have I not said to
9:43
Suze: you that anger is the number one internal obstacle to
9:48
Suze: wealth when you are angry, when you are afraid, when
9:51
Suze: you are ashamed.
9:53
Suze: You buy at the wrong time, you sell at the
9:56
Suze: wrong time, your emotions rule you versus you ruling your emotions,
10:02
Suze: and therefore you ruling your money.
10:05
Suze: So, I personally believe that right here in the United
10:09
Suze: States of America, when it comes to investing,
10:12
Suze: I'm going to keep my money at home, just that simple.
10:18
Suze: There's a lot going right in the markets and in companies,
10:23
Suze: but there's a lot going wrong for many, many people
10:27
Suze: out there. It is true that many of you are
10:31
Suze: losing your jobs, you're losing your health insurance, you're losing
10:36
Suze: all kinds of things. I get that.
10:40
Suze: And I'm sorry to say that's not what this podcast
10:44
Suze: today is about, cause those are serious, serious problems that
10:49
Suze: I don't know how they're gonna fix. But sometimes what
10:53
Suze: goes on, broad-based, doesn't necessarily believe it or not, reflect
10:59
Suze: in the market.
11:01
Suze: So the economy is one thing, the stock market is another,
11:07
Suze: how you live, I'm repeating this now, how you are
11:11
Suze: affected by what's going on and how you live and
11:14
Suze: how it's affecting your personal lives is different for every
11:17
Suze: single one of you. So I want you to keep
11:21
Suze: in mind before I now go on to tell you
11:24
Suze: what I think about just the stock market, about investments.
11:30
Suze: I want you to keep in mind I so get
11:33
Suze: how hard it is on many of you.
11:36
Suze: But again I'm just talking about the markets here, number one.
11:44
Suze: Number two, anything that you hear me say obviously can
11:47
Suze: change if things in the world change because we're living
11:51
Suze: in a very volatile time.
11:55
Suze: When I tell you I like an ETF or a
11:58
Suze: stock or something like that, rule of thumb is you
12:02
Suze: are not to go out and rush and buy it.
12:06
Suze: You are to throughout this entire year dollar cost average
12:11
Suze: into everything little by little.
12:15
Suze: And it's just that simple. So when you hear me say,
12:19
Suze: I like such and such over this, I like this
12:22
Suze: over that, which I'm going to say in a little bit,
12:25
Suze: that doesn't mean tomorrow you go out and you just buy, buy, buy.
12:30
Suze: You are to wait till these stocks go down, till
12:33
Suze: the ETFs go down, cause this market is not gonna
12:37
Suze: go straight up. This market is still gonna be a
12:40
Suze: serious roller coaster.
12:43
Suze: So when I give you pricing and things like that,
12:46
Suze: I'm talking about probably by the end of the year.
12:50
Suze: This is where many of those things will be, but
12:53
Suze: they will not be there next week or two weeks
12:56
Suze: from now. So if you are going to be investing
13:00
Suze: in these markets.
13:02
Suze: Just no, bottom line, they will go up and down.
13:07
Suze: They're gonna go in and out, they're gonna go all
13:09
Suze: over the place. We still have to deal with tariffs,
13:13
Suze: they still have an effect on everything, so all of
13:16
Suze: that has to be dealt with, but overall.
13:20
Suze: This is what I want to tell you. I have
13:22
Suze: noticed and I think will probably happen with certain areas
13:27
Suze: of the market over the next year. And the number
13:32
Suze: one rule of investing is you only invest with money
13:37
Suze: that you do not need for at least five years
13:41
Suze: or longer. When I say investing, that means in the
13:44
Suze: stock market. So this is long term.
13:49
Suze: Even if we have a bad year this year, it's OK.
13:52
Suze: Years from now, everything, if you keep dollar cost averaging
13:57
Suze: and have the patience to just stick it out, you
14:02
Suze: should be fine. So with that, let's begin.
14:08
Suze: What's interesting about what is changing right now, if you
14:12
Suze: look at the big picture.
14:14
Suze: Is that when I look at everything, I'm seeing a
14:18
Suze: very broad-based expansion in the market. What do I mean
14:23
Suze: by that? I'm not just seeing that a handful of
14:26
Suze: tech stocks are just pulling everything higher and higher and higher,
14:31
Suze: and if you weren't invested in those seven stocks or
14:33
Suze: whatever they were, you really didn't make as much money
14:37
Suze: as you could have, which depressed a lot of you.
14:41
Suze: But what's happening right now really matters, everybody, because when
14:47
Suze: growth spreads across financials, industrials, these are different areas of
14:52
Suze: the market, all right?
14:54
Suze: Financials, industrials, consumer spending, what else? Material, maybe, health care,
15:00
Suze: small companies, value stocks, that tells me something very important.
15:07
Suze: It tells me that this is not a fragile market,
15:11
Suze: but this actually is a healthy one.
15:16
Suze: Now, the other day, I went in and I have
15:18
Suze: a CD somewhere, and it came due, and the person
15:23
Suze: that I like dealing with was saying to me, Suze,
15:26
Suze: do you want to renew for another three months, six months,
15:29
Suze: one year, whatever it is, and I personally decided, all right,
15:33
Suze: I'm going to renew for one for six months and
15:36
Suze: then one for 12 months because it's possible interest rates
15:41
Suze: are going to continue lower. Do I know if they're
15:44
Suze: going to go lower or not? No. Do I understand
15:48
Suze: anything about what the feds are going to do? Who
15:51
Suze: even controls the feds? Do I understand any of that anymore? No.
15:55
Suze: But when I don't know exactly, I split what I do.
16:01
Suze: Six months, OK, gave me a little bit higher interest
16:03
Suze: rate than a year, but if interest rates go down,
16:06
Suze: at least I lock that money up for a year,
16:08
Suze: and this was all very short term money. It was
16:12
Suze: not long term, not for investment. It was just for
16:15
Suze: me to see.
16:17
Suze: What's happening, right? Cause as all of you know, we
16:19
Suze: sold the island, so we have some money, more money
16:23
Suze: to invest, so I just want to see what's really
16:26
Suze: happening out there.
16:28
Suze: So, yeah, lower interest rates possibly, lower mortgage rates, maybe
16:33
Suze: a little bit, lower gas prices, most likely, a weaker dollar, probably,
16:40
Suze: but all of that helps companies earn more money. And
16:45
Suze: when companies earn more, guess what? Stock prices tend to
16:51
Suze: follow now.
16:53
Suze: This isn't me speculating. No, this is me just telling
16:57
Suze: you what happens in history. Let's begin this investment outlook
17:04
Suze: with the Standard and Poor's 500 index. The reason I
17:08
Suze: like to start there is because out of all the
17:11
Suze: indexes which are compiled of many, many stocks that are
17:15
Suze: indicators of is this section going higher, how are we doing.
17:20
Suze: I like the Standard and Poor's 500 index, and I
17:24
Suze: really thought that last year it would finish at least
17:29
Suze: between 7,000 and 7,400 if you remember. It almost got
17:34
Suze: there but not quite. On Friday it closed, I think,
17:38
Suze: at 6,966. OK, so we were almost there, not quite, but.
17:44
Suze: I would not be surprised if in 2026,
17:50
Suze: if we saw the Standard and Poor's 500 index hit
17:55
Suze: at like 7,600 right in there, I would not be
17:59
Suze: surprised if it even went as high as 8,000. However,
18:03
Suze: only time will tell. Now, the reason that I like
18:08
Suze: that is that the majority of you, if we're right,
18:12
Suze: if that happens, and remember it's gonna go up, down,
18:14
Suze: it's gonna do its thing.
18:16
Suze: A lot of you are invested in the Standard and
18:20
Suze: Poor's 500 index through a Standard and Poor's 500 index ETF.
18:26
Suze: Whether it's VOO, SPLG, even VTI, which is even more expansive,
18:31
Suze: you already are exposed to that.
18:35
Suze: So, I like that for you, and the reason that
18:38
Suze: I told you over the past year or so, wouldn't
18:41
Suze: kill you to have 50% of your money in something
18:44
Suze: like VOO, which is an ETF that invests in the
18:47
Suze: Standard and Poor's 500 index, or SPLG, same thing.
18:52
Suze: And then maybe go deeper into individual stocks that we
18:57
Suze: named in the past, and I'll go through those again
19:00
Suze: before this session is over. I thought that would give
19:03
Suze: you the biggest bang for your buck. So, for me,
19:08
Suze: I find this encouraging, and the reason
19:14
Suze: that it makes me feel encouraged is because the Standard
19:18
Suze: and Poor's 500 is going up without it relying on
19:23
Suze: the Magnificent Seven.
19:26
Suze: It means again that participation in this stock market is widening,
19:34
Suze: and if it's widening in the stock market, it's because
19:37
Suze: it's widening in the economy, and that means strength is spreading.
19:43
Suze: So when markets broaden like this, I take it as
19:48
Suze: a very bullish signal and again for those of you
19:52
Suze: who don't know,
19:54
Suze: when it's a bull, the market tends to go up.
19:56
Suze: When it's a bear, the market tends to go down
20:00
Suze: because you get eaten. But I'm feeling positive about it,
20:05
Suze: just so you know. We all have to be very
20:09
Suze: clear about something here, and I wanna talk about technology
20:13
Suze: and artificial intelligence.
20:17
Suze: I'm going to say it over and over again, just
20:20
Suze: like I do most things in life. Artificial intelligence is
20:25
Suze: not a trend.
20:27
Suze: It is a transformation.
20:31
Suze: Do you hear that?
20:34
Suze: The semiconductor sector, which is the backbone of AI, it's
20:41
Suze: those little chips and things that run everything, they remain essential.
20:49
Suze: So these companies are no longer optional, they are the
20:53
Suze: infrastructure of everything that is happening out there.
20:58
Suze: And as I said a minute ago, now that we're
21:00
Suze: seeing this strength expand beyond just those biggest names into
21:05
Suze: other things like memory, analog chips, equipment makers, all of that.
21:10
Suze: Again, I'm gonna go back to, if you own broad-based
21:16
Suze: market funds such as the Standard and Poor's 500, which
21:20
Suze: I already talked to you about, you already own this theme,
21:25
Suze: cause the top holdings of the Standard and Poor's 500
21:30
Suze: are the stocks, and again, that's exactly how most of
21:34
Suze: you should be invested.
21:38
Suze: But a lot of you are saying, Suze, how can
21:41
Suze: this be true? I can't afford rent, I can't afford
21:45
Suze: to buy a home. I can't afford to buy food.
21:49
Suze: I can't afford to do all of these things. I
21:53
Suze: understand that very well.
21:55
Suze: And I understand that unemployment's a little crazy here. I
21:59
Suze: understand inflation did not do what we wanted. I get
22:02
Suze: that things are going up higher. I get that we
22:05
Suze: don't even get as much for our money when we
22:07
Suze: go out. Do you know, I love Taco Bell? Listen,
22:11
Suze: I just love Taco Bell, and I don't have any
22:13
Suze: problems saying it. And my favorite thing when I do
22:16
Suze: get to go to Taco Bell, cause it's always a treat,
22:19
Suze: is a bean burrito without cheese. So the other day,
22:23
Suze: we were out, and I said, KT, let's go to
22:26
Suze: Taco Bell. She said, OK, right? And we go to
22:30
Suze: Taco Bell, I get my usual bean burrito without cheese,
22:34
Suze: like I just told you. Now, I've been doing this
22:38
Suze: for probably almost 40 years now, just so you know.
22:44
Suze: And I know the size of a bean burrito. Not
22:48
Suze: only was it more expensive than normal, but the size
22:52
Suze: of it was, I swear, 25% littler than what a
22:58
Suze: normal one would have been.
23:01
Suze: And I'm like, oh well, that's great, you know, even
23:04
Suze: if they're charging the same, they're giving less. So, I
23:07
Suze: understand very well that the struggle that many of you
23:10
Suze: are going through personally.
23:13
Suze: And that is also what we try to deal with
23:15
Suze: on the Women in Money podcast. However,
23:18
Suze: Even if that is true.
23:22
Suze: That doesn't mean that the markets
23:26
Suze: aren't strong. Why is that? Because I have to tell you,
23:31
Suze: regardless of how hard it is out there, what I
23:34
Suze: don't understand is if it is so hard on you,
23:39
Suze: why is the consumer still spending? I don't know. I
23:44
Suze: don't know where that money is coming from. Are they
23:46
Suze: putting it on their credit cards? Probably. I don't quite
23:49
Suze: get it.
23:50
Suze: But they are still out there, so the American consumer
23:55
Suze: has not disappeared. And what's interesting is I find that
24:01
Suze: probably investing in consumer discretionary stocks or ETFs more than
24:09
Suze: traditional consumer staples
24:12
Suze: is probably the way to go. What is a consumer discretionary, everybody?
24:19
Suze: It's when the consumer has money,
24:22
Suze: and they go out and they buy things that they
24:25
Suze: don't absolutely need. It's at their discretion. A consumer staple
24:31
Suze: is when you go out there and you have to
24:33
Suze: buy toothpaste or whatever it is, it's something that you
24:37
Suze: absolutely need. Now, there are incredibly strong consumer staple names
24:44
Suze: like Procter and Gamble, and Walmart and Costco. I don't
24:48
Suze: have a problem if you own those.
24:50
Suze: However, there are also incredibly strong consumer discretionary stocks like Amazon, Tesla,
24:59
Suze: Home Depot, things like that. For those of you who
25:04
Suze: like ETFs better, exchange traded funds better than individual stocks,
25:09
Suze: all right, consumer discretionary is XLY.
25:13
Suze: Consumer staples are XLP, OK, if you even wanna venture there,
25:21
Suze: but that's something that's possible. So this isn't about chasing things.
25:27
Suze: This is about recognizing where everything is shifting to, and
25:32
Suze: believe it or not, that's where it's shifting. Financials.
25:38
Suze: I said this before, a little bit ago, but I
25:41
Suze: have to tell you, I think banks are benefiting from AI,
25:47
Suze: from all the scale, from efficiency of how they're doing everything,
25:51
Suze: so therefore,
25:54
Suze: Is it possible that there's money to be made in
25:57
Suze: buying the ETFs that invest in big banks, symbol BKX
26:03
Suze: or regional symbol for the ETF there is KRE. Very possible. So,
26:09
Suze: it's another area that's just a little bit of a
26:12
Suze: diversification away from AI and things like that.
26:18
Suze: You gotta look at right now, the industrials and the
26:23
Suze: transportation stocks. Think about this, industrial stocks, what our industry
26:28
Suze: here is made up of.
26:31
Suze: Transportation, how everything moves, all of those have hit new highs,
26:39
Suze: and that tells me one thing.
26:42
Suze: That economic activity is still moving just that simple.
26:49
Suze: Next, let's talk about energy.
26:52
Suze: Energy is very interesting here and a little bit difficult, however,
26:58
Suze: I personally like utilities versus energy. While it's true that
27:05
Suze: maybe we'll see oil and everything around 50, maybe even
27:09
Suze: lower and then some, you know, companies are gonna benefit
27:12
Suze: from it. Just for an overall view, I'm favoring the
27:17
Suze: ETF XLU. These are symbols that I'm giving you, everybody...
27:22
Suze: Over XLE, which was the energy ETF, and for a
27:29
Suze: long time I liked the Energy ETF XLE. We started
27:34
Suze: buying it, by the way, in March, I think it
27:36
Suze: was of 2020, and we made a lot of money
27:39
Suze: on that. But right now, if you're looking for other
27:42
Suze: things to do, I'm just telling you I like utilities
27:47
Suze: more than energy, but that's just me.
27:51
Suze: Next, health care.
27:53
Suze: Health care, believe it or not, is back and listen
27:57
Suze: to me, everybody, because this matters to every one of you.
28:02
Suze: Health care has quietly rebuilt itself. It's strong. Major health
28:08
Suze: care indexes are approaching new highs. Big insurers, believe it
28:14
Suze: or not, are stabilizing.
28:17
Suze: And I told you this again before, biotech, yeah, biotech
28:22
Suze: is beginning once again to show opportunity, and I told
28:27
Suze: all of you to purchase the ETF XBI and, you know,
28:35
Suze: it may be my favorite ETF of all.
28:39
Suze: Right now, it just might be. So, when it starts
28:43
Suze: to dip, that is when you want to buy. Now,
28:48
Suze: let me just give you individual things cause I know
28:50
Suze: you're saying, but Suze, do you still like Palantir? Do
28:53
Suze: you still like IONQ? Yes, of course I do. Palantir,
28:58
Suze: long term.
29:00
Suze: It's something you want a dollar cost average into, and
29:03
Suze: when it's taken down by the idiots out there, you
29:06
Suze: might wanna buy more. So, I still like Palantir, I
29:10
Suze: still like IONQ. I still like SMH, the ETF for
29:15
Suze: semis at $389 like it, I think it should be bought.
29:20
Suze: I like those things a lot. I like Nvidia.
29:25
Suze: I like almost everything that I've told you about. I
29:28
Suze: even like Amazon. I really do. I also like the
29:33
Suze: ETF QQQ at 626. Don't be surprised if it ended
29:37
Suze: the year around 760. So these are all things that
29:41
Suze: I really like, but here's what's really important.
29:47
Suze: I would not be afraid right now. Do not let
29:51
Suze: what's going on in this world scare you out of
29:55
Suze: making your money, make more money. I get it's not
29:59
Suze: great when something goes down dramatically.
30:03
Suze: But look at it as an opportunity versus a loss.
30:07
Suze: You only lose when you've sold something. If you own something,
30:12
Suze: and you still like what they're doing, you like their earnings,
30:16
Suze: you like the company, you like where it can go
30:18
Suze: in the future, just hold on. So, here's what I
30:23
Suze: really want you all to remember.
30:26
Suze: You do not need to trade to make money. You
30:30
Suze: do not need to predict. You do not need to panic.
30:34
Suze: Do you hear me? Here is what you need. You
30:39
Suze: need diversification. You need patience, and you need a long
30:44
Suze: term plan that you can stick with.
30:47
Suze: Because when the market's broaden like they're doing now, costs
30:52
Suze: come down, and when costs come down, guess what happens,
30:56
Suze: everybody earnings improve. This isn't fear this is opportunity and
31:02
Suze: as always I've told you, you wanna find the best
31:06
Suze: financial adviser in the world, look in the mirror.
31:10
Suze: Because what happens to your money directly affects the quality
31:13
Suze: of your life, not a financial advisor's life, not my life,
31:17
Suze: nobody's life but your own, and this is everything that
31:20
Suze: you can learn and know what to do. It's just
31:25
Suze: that simple overall, just a few more things, which is
31:30
Suze: real estate.
31:32
Suze: I do think depending on where you live, real estate
31:34
Suze: prices might go up a little bit. I don't think
31:37
Suze: you're gonna see the total escalation as you saw in
31:41
Suze: the past years. So it's starting to be more of
31:44
Suze: a buyer's market, in my opinion. Mortgage rates very possibly
31:49
Suze: will come down to around 5.9%.
31:52
Suze: And many of the people who have been hanging on
31:54
Suze: to their homes simply because they have a 2 or 3%
31:58
Suze: interest rate may realize they're never gonna see 2 or 3% again,
32:02
Suze: so they may start to move rents, because many places
32:05
Suze: are building more and more rental things. Rents could probably
32:10
Suze: be negotiated, something for you to think about if you're
32:14
Suze: renewing a lease where you are renting. Bitcoin.
32:19
Suze: Bitcoin up, down, just hold on for dear life. Its
32:23
Suze: future is there, it's not quite there yet, but just
32:28
Suze: if you're doing it, hold on again. I like buying
32:31
Suze: Bitcoin through the ETF iBit, IBIT. A lot of people
32:36
Suze: buy it directly. There's all kinds of ways to buy it.
32:39
Suze: It's a way that you can participate if you want.
32:43
Suze: Gold and silver, I don't know.
32:46
Suze: I don't know, they've gone up dramatically here. Maybe they'll
32:49
Suze: go up more, maybe not. Again, if you want a
32:53
Suze: little bit of your portfolio in there, OK, I favor Bitcoin,
32:56
Suze: by the way, over gold or silver, but it's just,
32:59
Suze: if you're gonna buy gold, can you just do me
33:02
Suze: a favor? Don't buy the actual commodity itself.
33:07
Suze: Once you own the actual commodity, somebody can steal it.
33:11
Suze: If you go to sell it, can you just tell
33:13
Suze: me how you're gonna sell it? You have to go
33:15
Suze: have it re-assayed to make sure that you didn't drill
33:17
Suze: out the middle of the bar. It's not that easy.
33:21
Suze: You wanna buy a few coins? OK. But if you
33:24
Suze: really wanna do it, then buy an ETF GLD or
33:28
Suze: whatever it may be. Just know, I think there's better
33:31
Suze: money to be made elsewhere.
33:34
Suze: I personally still love dividend paying stocks that will pay
33:38
Suze: you income, I think as time goes on, the way,
33:42
Suze: especially if you are in retirement years, is not to
33:47
Suze: necessarily buy bonds, and that's how you invest when you
33:50
Suze: get older, no.
33:52
Suze: As time goes on and you are older and you're
33:55
Suze: looking for income, dividend paying stocks that are good quality,
33:59
Suze: that pay you a good dividend along with some of
34:02
Suze: your money invested purely for growth, that will be your
34:06
Suze: key to be able to sustain yourself when it comes
34:10
Suze: to retirement. So, there are so many more things that
34:14
Suze: I can talk to you about, but that's why we
34:16
Suze: have another year
34:18
Suze: of the Women in Money podcast, and I don't have
34:20
Suze: to do it all at once. All right. So, until
34:25
Suze: Thursday when Miss Travis joins us again.
34:29
Suze: And tonight is another episode of Landman. In fact, it's
34:33
Suze: probably on right now. If you haven't watched that series,
34:38
Suze: you might wanna watch it. One of our favorite things
34:41
Suze: that we have seen. OK. Until next Thursday, there's only
34:47
Suze: one thing that I want you to remember, and it
34:48
Suze: is this people first, then money, then things. Now you
34:54
Suze: stay safe. Bye-bye.