Latest / Suze Orman's Women & Money (And Everyone Smart Enough To Listen) / How to Make Sure One Million Doesn't Turn Into Zero

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How to Make Sure One Million Doesn't Turn Into Zero · Suze Orman's Women & Money (And Everyone Smart Enough To Listen)

• 0:07
  Suze: October 18th, 2026. Welcome everybody to the Women in Money
• 0:12
  Suze: podcast and everybody smart enough to listen. Right around now, Ms.
• 0:17
  Suze: Travis and I are on our way back from Paris, right?
• 0:22
  Suze: And before that we were in Nairobi. Before that we
• 0:27
  Suze: were in Istanbul, and before that we were in LA.
• 0:31
  Suze: So I'm sure we are thrilled to be making our
• 0:34
  Suze: way home.
• 0:35
  Suze: But before we left, we promised all of you that
• 0:39
  Suze: on Sundays you would have a brand new podcast from us,
• 0:44
  Suze: and we keep our promise. So Ms. Travis, what do
• 0:48
  Suze: you have in store for us today?
• 0:49
  KT: This is special. This is a different podcast. Why? Because
• 0:54
  KT: we're gonna actually tell one story. So a few weeks ago,
• 0:59
  KT: some of you that were listening heard me get a
• 1:01
  KT: little weepy and I started crying.
• 1:03
  KT: Because I often wish you knew what Suze does and
• 1:08
  KT: the time, the effort, the work, and really how she
• 1:12
  KT: pours her heart into these responses. She doesn't respond to
• 1:17
  KT: every question or every email...
• 1:20
  Suze: Not even close,
• 1:21
  KT: ...but when one comes in where she feels she really
• 1:24
  KT: wants to make a difference, and needs to make a difference, she
• 1:28
  KT: will respond, and this is one of them.
• 1:30
  Suze: Now, before you start, normally I respond seriously, everybody, when
• 1:35
  Suze: I know somebody's about to make a big, big mistake.
• 1:39
  Suze: Number one, or somebody just lost a spouse or is
• 1:44
  Suze: ill or really, really needs help. But when I see
• 1:48
  Suze: somebody about to get a large amount of money and
• 1:53
  Suze: they are about to blow it. I respond. So Ms. Travis...
• 1:57
  KT: She steps in hard. So here you go, everybody. We
• 2:01
  KT: actually are gonna hold back the names out of respect.
• 2:04
  KT: They didn't ask us to, but we wish to, um,
• 2:07
  KT: just share this as a generic response.
• 2:10
  Suze: And just so you know what you can expect, KT
• 2:12
  Suze: will read the original email with some editing, obviously. I
• 2:17
  Suze: will read my response to that email. Then KT will
• 2:22
  Suze: read the person's response to my email, and then finally
• 2:27
  Suze: my response so that you can see the story and
• 2:32
  Suze: the progression that people can make when the correct information
• 2:37
  Suze: is provided to them, Ms. Travis, go for it.
• 2:40
  KT: OK, here we go. So we received this. And it said, Suze,
• 2:44
  KT: I never imagined that one of the hardest experiences of
• 2:48
  KT: my life would leave me with $1 million and absolutely
• 2:54
  KT: no idea what to do with it. I recently received
• 2:58
  KT: a settlement of approximately $1.1 million and everyone, that's after
• 3:04
  KT: the fees and taxes were paid as a result of
• 3:07
  KT: a lawsuit involving the loss of all 16 of our embryos.
• 3:13
  KT: But the reality is that this settlement has completely changed
• 3:18
  KT: my family's financial situation almost overnight and honestly, Suze, I
• 3:24
  KT: have absolutely no idea what I'm doing.
• 3:28
  KT: So everyone listening, I edited quite a bit of the
• 3:31
  KT: background out and now I'm just gonna get to the
• 3:34
  KT: gist of what is going on here with this family.
• 3:38
  KT: So then she said, I find myself struggling with what
• 3:41
  KT: to do next. I wanna help the people I love.
• 3:45
  KT: I want my sister to have a safe and stable home.
• 3:49
  KT: I would love to be able to help my family
• 3:51
  KT: and some of my close friends in ways that I
• 3:54
  KT: never could before, but at the same time I know
• 3:58
  KT: that there has to be a boundary.
• 4:02
  KT: So that is why I'm reaching out to you. I
• 4:05
  KT: know you have had your own experiences with significant amounts
• 4:09
  KT: of money and have probably learned things that most people
• 4:12
  KT: never have to think about.
• 4:14
  KT: Suze, if you could go back to the moment you
• 4:17
  KT: had your first million dollars, knowing everything that you know now,
• 4:22
  KT: what would you do differently? How much would you invest?
• 4:26
  KT: How much would you keep completely safe and accessible? What
• 4:30
  KT: would you spend on your home and family? What would
• 4:33
  KT: you absolutely not spend money on?
• 4:37
  KT: Did you work with a financial advisor, a CPA, an attorney,
• 4:41
  KT: or someone else you trusted? Most importantly, what mistakes did
• 4:46
  KT: you make that you wish you could go back and avoid?
• 4:50
  KT: So everyone, I think these were great questions that she
• 4:53
  KT: came up with. And then she closes with, I'm just
• 4:56
  KT: a woman from a small town who never expected to
• 5:00
  KT: have this problem in the first place. Funny, Suze, she
• 5:04
  KT: calls it a problem.
• 5:06
  KT: I went from spending most of my life worrying about
• 5:09
  KT: having enough money to suddenly having more money than I
• 5:12
  KT: have ever had, and I'm honestly a little scared of
• 5:16
  KT: getting it wrong. I do not want this money to
• 5:19
  KT: change who we are. I want it to give us options, security,
• 5:25
  KT: and the ability to do some good for the people
• 5:27
  KT: we love. So Suze, if you were standing where I
• 5:30
  KT: am right now, what is the one thing you would
• 5:34
  KT: tell me?
• 5:35
  KT: And then she said, even a few sentences of advice
• 5:38
  KT: would mean more to me than you probably realize. Thank
• 5:42
  KT: you so much for taking the time to read my story. Well, everyone,
• 5:47
  KT: Suze did a little more than a few sentences. So now, Suze,
• 5:51
  KT: let's share what you wrote back to this, um, listener.
• 5:55
  Suze: Yeah, before I begin with that though, KT, I just
• 5:58
  Suze: want to say to everybody, obviously when I made my
• 6:01
  Suze: first million, I was in a very different situation.
• 6:04
  Suze: In that I was and am a financial adviser. I
• 6:08
  Suze: know all about taxes. I know everything I needed to
• 6:12
  Suze: do to take care of it. And so it was
• 6:16
  Suze: a little bit different for me than truly most everybody else.
• 6:20
  Suze: But here's what I wrote back: First, I am so
• 6:24
  Suze: sorry for what you and your husband have been through.
• 6:27
  Suze: No amount of money could ever make up for the
• 6:29
  Suze: loss you experienced, and I understand exactly why you want
• 6:34
  Suze: something good and lasting to come from it, but I
• 6:37
  Suze: need you to hear me and hear me carefully. Do
• 6:41
  Suze: nothing quickly. This is the one thing I would tell you.
• 6:45
  Suze: You have spent most of your life without money, and
• 6:49
  Suze: suddenly you have 1.1 million.
• 6:52
  Suze: That can make you feel as though you can finally
• 6:55
  Suze: take care of everybody you love, but you cannot, not yet.
• 7:01
  Suze: You said something in your letter that tells me you
• 7:05
  Suze: already understand the most important truth. There is no second
• 7:09
  Suze: million coming, so this money has to last. Before you
• 7:14
  Suze: buy your sister's house, help friends, give money away, or
• 7:18
  Suze: make any other major financial decision.
• 7:22
  Suze: I want you to protect you and your husband first.
• 7:27
  Suze: You are considering a $399,000 home. If you pay cash
• 7:32
  Suze: for that house and then pay off both vehicles, you
• 7:36
  Suze: may immediately use close to 40% of this money. That
• 7:42
  Suze: completely changes the picture.
• 7:44
  Suze: So I would not make an offer on that house
• 7:47
  Suze: until you have sat down and looked at your entire
• 7:51
  Suze: financial life. How much do you both earn? How much
• 7:56
  Suze: will your husband eventually receive from the military? What will
• 8:00
  Suze: his health situation mean? How much do you have in
• 8:04
  Suze: retirement accounts? How much do you spend every month?
• 8:08
  Suze: How much will this new house cost you every year
• 8:11
  Suze: for property taxes, insurance, maintenance, and repairs? Those numbers matter
• 8:17
  Suze: far more than the fact that you have 1.1 million
• 8:21
  Suze: sitting in an account today. Please do not buy your
• 8:24
  Suze: sister a house right now. I understand why you want to.
• 8:29
  Suze: I love the generosity behind it, but generosity without financial
• 8:33
  Suze: boundaries can destroy your own security.
• 8:37
  Suze: So for at least the next year I would make
• 8:40
  Suze: a rule: no large gifts to anybody. You can always
• 8:46
  Suze: give money later. You cannot always get it back. For now,
• 8:51
  Suze: I would keep your money somewhere extremely safe while you
• 8:54
  Suze: make your decisions, insured savings, Treasury bills, or other appropriate
• 8:59
  Suze: short-term Treasury securities not sitting in a checking account where
• 9:03
  Suze: it feels available to spend.
• 9:06
  Suze: Then I would build your own financial foundation. I would
• 9:10
  Suze: make sure you have a substantial emergency fund. I would
• 9:14
  Suze: make sure both of you are properly protected with the
• 9:18
  Suze: must-have documents, a will, revocable living trust, durable financial powers
• 9:23
  Suze: of attorney and advance directives. I would review your insurance coverage.
• 9:28
  Suze: I would maximize the retirement opportunities available to both of you.
• 9:33
  Suze: And only after I knew exactly what you needed to
• 9:36
  Suze: secure your own future would I determine how much of
• 9:40
  Suze: anything you could afford to give away. As for investing,
• 9:45
  Suze: please do not hand this entire amount to someone simply
• 9:49
  Suze: because they call themselves a financial adviser.
• 9:52
  Suze: Anyone you work with should be someone you fully understand
• 9:56
  Suze: whose fees you fully understand and who is legally required
• 10:00
  Suze: to put your interests first. You do not need to
• 10:03
  Suze: turn 1.1 million into 10 million. You need to make
• 10:07
  Suze: sure 1.1 million does not turn into zero. There is
• 10:12
  Suze: another mistake I want you to avoid, do not let
• 10:15
  Suze: everybody know you have this money.
• 10:18
  Suze: Money changes relationships. People may not consciously mean to treat
• 10:23
  Suze: you differently, but suddenly their emergency can become your emergency.
• 10:29
  Suze: Their dream can become something they think that you can finance.
• 10:34
  Suze: And because you remember what it was like to struggle,
• 10:37
  Suze: saying no may feel terrible. You are going to have
• 10:40
  Suze: to learn to say no. That does not make you selfish.
• 10:44
  Suze: It makes you responsible.
• 10:47
  Suze: Some day when you know that your own future is
• 10:50
  Suze: completely secure, you may decide that helping your sister purchase
• 10:53
  Suze: a home is exactly what you want to do. If
• 10:57
  Suze: that day comes, you can do it from a position
• 11:01
  Suze: of strength rather than emotion, and yes, you should enjoy
• 11:06
  Suze: some of this money.
• 11:07
  Suze: Choose an amount that will not change your future and
• 11:10
  Suze: give yourself permission to enjoy it without guilt. Take a trip.
• 11:14
  Suze: Do something meaningful with your husband. Create a memory, but
• 11:19
  Suze: understand the difference between enjoying money and changing your lifestyle.
• 11:24
  Suze: The first can bring you joy. The second can eat
• 11:28
  Suze: through 1 million far faster than you can imagine.
• 11:33
  Suze: You asked what I wish someone had told me when
• 11:35
  Suze: I first had money. Here it is. Money should give
• 11:39
  Suze: you freedom. The goal of money is to be secure.
• 11:44
  Suze: It should never give you obligations you did not have before.
• 11:48
  Suze: You do not owe everybody a better life because something
• 11:53
  Suze: terrible happened to you and you received this settlement.
• 11:57
  Suze: Your responsibility now is to take this money that came
• 12:02
  Suze: from such profound pain.
• 12:05
  Suze: And make sure it protects you and your husband for
• 12:08
  Suze: the rest of your lives. So for the next 12 months,
• 12:12
  Suze: slow down. Protect it. And learn.
• 12:19
  KT: OK. Now, ready for her response to Suze after that
• 12:25
  KT: amazing advice? Suze, thank you so much for the insight.
• 12:31
  KT: I am definitely going to follow this and see where
• 12:33
  KT: it takes us. Your advice speaks so much louder than
• 12:37
  KT: my friend's opinions, and I'm so grateful for your response.
• 12:42
  KT: I want to make this stretch out as much as
• 12:44
  KT: possible and take care of all of our needs and
• 12:48
  KT: build us a firm foundation for the rest of our lives.
• 12:52
  KT: You asked how much we both earn. I am an
• 12:54
  KT: administrator for a church. I work for $22 an hour,
• 13:00
  KT: $3,000 a month take home after taxes, no benefits, nothing extra.
• 13:06
  KT: My husband is in the Navy. He currently is at
• 13:09
  KT: E6 pay, around $6,600 a month. Current combined monthly take-home
• 13:17
  KT: is $9,600 a month.
• 13:20
  KT: His current health has baffled the doctors. His labs are
• 13:24
  KT: all clear. No clotting factors. No high blood pressure. He's
• 13:28
  KT: even lost about 60 pounds and started a healthier lifestyle
• 13:33
  KT: after his health scare. So currently he's unable to go
• 13:38
  KT: back to deployment on the submarine due to the risk
• 13:42
  KT: of the pancreas flaring up and causing that same issue
• 13:46
  KT: that inflamed all of his organs last year and almost
• 13:50
  KT: took his life, so basically he's a liability for the
• 13:55
  KT: rest of his career.
• 13:57
  KT: So it's KT. I just want to clarify what her
• 14:00
  KT: husband went through. He had pancreitis which put him in
• 14:05
  KT: a coma for three months. He and all of his
• 14:09
  KT: organs shut down. This guy like almost died, so he
• 14:12
  KT: came out of it and that's why she's giving Suze
• 14:16
  KT: an update as to his health now.
• 14:19
  KT: But she also said, I do not have a retirement
• 14:22
  KT: account at all, Suze. He does, but I'm not sure
• 14:26
  KT: what's even in there. That's something I've never even thought
• 14:30
  KT: to look at. So she took the time, everyone, to
• 14:33
  KT: go through all of her expenses. She itemized everything with
• 14:38
  KT: great care and I have to say with great detail.
• 14:41
  KT: So Suze, we spend on average, about 6,175 to $7,400
• 14:49
  KT: a month. We both have savings, $10,000 in each of
• 14:54
  KT: our accounts, which we do not touch. That's for our
• 14:58
  KT: emergencies only. So they're both responsible folks anyway, she said
• 15:03
  KT: after paying off our vehicles 18k and 22k, and owning
• 15:08
  KT: a home outright, our monthly spending will decrease from $2,600
• 15:14
  KT: to $3,755 a month for all of our bills combined,
• 15:19
  KT: leaving us, she said, leaving us with $7,000 to $5,800
• 15:25
  KT: a month left over, which should be more than enough
• 15:29
  KT: to put back some into the account with the remaining
• 15:33
  KT: settlement balance and not touch it at all.
• 15:36
  KT: So I'm thinking to put this in some type of
• 15:39
  KT: account that pulls a high interest, right? And then she said, Suze,
• 15:43
  KT: thank you for taking the time to talk with me,
• 15:46
  KT: walk me through these steps. I'm so thankful for you
• 15:50
  KT: sharing your knowledge. Again, this is something I never thought
• 15:54
  KT: would be possible, so I never did the homework on
• 15:57
  KT: it until now. Thank you, Suze. We love you.
• 16:02
  Suze: However, everybody. It didn't end there for me because the
• 16:07
  Suze: biggest mistake that people make is when they think they
• 16:11
  Suze: know and I know they don't know. They think they
• 16:15
  Suze: know what their expenses are going to be. They think
• 16:17
  Suze: they know what their future holds. They think they know
• 16:20
  Suze: they're going to be healthy forever. They think all of
• 16:23
  Suze: these things and they make a plan based on hope
• 16:27
  Suze: versus reality of what's possible and most likely probable.
• 16:33
  Suze: So, I wrote back for one last time, right? And
• 16:39
  Suze: if I'm answered after this, KT, I'm not answering again.
• 16:42
  KT: OK. All right, this is the finale, everyone.
• 16:46
  Suze: Right, because it concerned me that a little knowledge can
• 16:50
  Suze: be dangerous. It can be dangerous when you think you know.
• 16:55
  KT: Can I, can I tell you what the keyword was
• 16:58
  KT: that both of us looked at each other like, uh oh,
• 17:01
  KT: red flag when she said: after all of our bills combined,
• 17:05
  KT: leaving us with $7,000 to $5,800 a month left over,
• 17:13
  KT: it was the leftover. When it comes to money, I
• 17:15
  KT: don't think there's leftovers, right, Suze?
• 17:17
  Suze: And it's interesting because we always think we have more
• 17:22
  Suze: is that after taxes, before taxes. What are the tax
• 17:26
  Suze: brackets going to be? What kind of money do you
• 17:28
  Suze: need for emergencies, all those things. So, the real red
• 17:32
  Suze: flags for me came up, KT, where it was like,
• 17:35
  Suze: we only have $10,000 each in an emergency fund.
• 17:39
  KT: OK, so what, what's, what's the finale here?
• 17:42
  Suze: So this is what I sent back, everybody.
• 17:46
  Suze: Thank you for sending me all this. Now I can
• 17:50
  Suze: give you much more specific advice, and oh, trust me,
• 17:53
  Suze: I did. All right. The first thing I want to
• 17:56
  Suze: tell you is this. Obviously you are in a far
• 18:00
  Suze: better position than you think you are if you do
• 18:02
  Suze: this correctly, but I want to correct one assumption. Do
• 18:07
  Suze: not build your financial future around what you think your
• 18:13
  Suze: husband is going to receive from military retirement and VA disability,
• 18:20
  Suze: his military retirement may be predictable based on his service,
• 18:25
  Suze: but his VA disability rating has not even been determined yet.
• 18:30
  Suze: So until money is actually guaranteed, I don't want you
• 18:35
  Suze: spending as though it is. Now let's talk about this
• 18:39
  Suze: 1.1 million.
• 18:40
  Suze: I understand why you want to buy the $399,000 house
• 18:45
  Suze: for cash and pay off the approximately $40,000 you owe
• 18:49
  Suze: on the vehicles. Given your income, the size of the settlement,
• 18:53
  Suze: I can understand doing it.
• 18:55
  Suze: It would leave you, as I told you before, with
• 18:58
  Suze: roughly $660,000 while eliminating your largest debts, but don't fool
• 19:05
  Suze: yourself into thinking.
• 19:07
  Suze: You know what a new home will cost. You know
• 19:11
  Suze: what your insurance will be. You know what your property
• 19:14
  Suze: taxes will be, even though it's a home that you
• 19:17
  Suze: told us in your email that's only two years old.
• 19:20
  Suze: You don't know what that really means. Does your roof leak?
• 19:23
  Suze: Did they build it in not a great way? You
• 19:26
  Suze: have no idea, and I'm here to tell you homes
• 19:31
  Suze: need maintenance. Insurance premiums go up.
• 19:35
  Suze: Property taxes can change. Appliances break. Roofs eventually need replacing.
• 19:43
  Suze: So I want a separate house reserve built into your plan.
• 19:48
  Suze: And for that separate house reserve, I would put away
• 19:51
  Suze: at least $1,000 a month into a maintenance plan to
• 19:58
  Suze: keep the house like it should be kept.
• 20:01
  Suze: Now your next assignment is something you admitted you have
• 20:05
  Suze: never even looked at.
• 20:07
  Suze: I want you to find out exactly what your husband
• 20:11
  Suze: has in his thrift savings plan. I want you to
• 20:15
  Suze: know the balance, what he is contributing, whether those contributions
• 20:19
  Suze: are traditional or wroth, what funds the money is invested in,
• 20:25
  Suze: and whether he is receiving the full government match available
• 20:29
  Suze: to him. And you, what about you? You need to
• 20:33
  Suze: start saving for retirement.
• 20:36
  Suze: At $22 an hour with no workplace retirement, you both
• 20:41
  Suze: should be funding a Roth IRA to the max you
• 20:45
  Suze: need besides the $10,000 each in an emergency fund, you
• 20:50
  Suze: need one year of expenses in an emergency fund, and
• 20:55
  Suze: I don't want your entire retirement future dependent upon your
• 21:00
  Suze: husband's military benefit or this settlement.
• 21:05
  Suze: I told you in your last email, you need a trust,
• 21:09
  Suze: a will, all those things you need to get the
• 21:12
  Suze: must-have documents, especially because your husband is prone to illness.
• 21:18
  Suze: You need to protect yourself. How are you going to
• 21:20
  Suze: title this new house that you buy?
• 21:23
  Suze: Is it going to be a joint tenancy with right
• 21:25
  Suze: of survivorship, and then then are you going to have
• 21:28
  Suze: it in a trust? What are you going to do
• 21:30
  Suze: that way? You have to get your affairs in order today,
• 21:35
  Suze: especially because of your husband's potential illness. That's probably far
• 21:41
  Suze: more important than you trying to figure out if you
• 21:44
  Suze: can buy your sister a house or not.
• 21:48
  Suze: Now listen to me: For the next year, I want
• 21:54
  Suze: you to automatically save $7,000 a month. You told me
• 22:01
  Suze: that after buying the house and paying off the cars,
• 22:05
  Suze: you could have approximately 6,000 to $7,000 left a month. Wonderful.
• 22:11
  Suze: I now need you to prove it for the next year.
• 22:15
  Suze: I want you to automatically save that money every month.
• 22:20
  Suze: Don't just tell yourself this is what you could save.
• 22:23
  Suze: I want to see you actually do it. You need
• 22:27
  Suze: to see that you can actually do it, because if
• 22:30
  Suze: you can live happily on your income after eliminating those
• 22:34
  Suze: payments and consistently saving 5,000 or 6,000 every month without
• 22:39
  Suze: touching the settlement, then we know this money really can
• 22:43
  Suze: become the foundation of your future.
• 22:46
  Suze: But guess what, yep, I still do not want you
• 22:50
  Suze: buying your sister a house, not yet. Promise me that
• 22:55
  Suze: you will give yourself one full year. Learn how it
• 23:00
  Suze: feels to own your home outright.
• 23:02
  Suze: Learn your real expenses. Find out what your husband's military
• 23:07
  Suze: future looks like. Start your retirement savings. Understand his TSP,
• 23:14
  Suze: and again get your must-have documents in order. If one
• 23:19
  Suze: year from now, two years from now, everything is working beautifully,
• 23:25
  Suze: then you can revisit what you can afford to do
• 23:28
  Suze: for your sister.
• 23:29
  Suze: One more thing, please don't let the $660,000 just sit
• 23:35
  Suze: in savings forever because you are afraid to invest it.
• 23:40
  Suze: Safety is appropriate while you're making these decisions, but at
• 23:44
  Suze: your ages, keeping hundreds of thousands of dollars in cash
• 23:48
  Suze: for decades creates another risk. Inflation will slowly destroy its
• 23:54
  Suze: purchasing power.
• 23:56
  Suze: Eventually you need to decide how much stays safe, how
• 24:00
  Suze: much is for emergencies and near term needs, and how
• 24:03
  Suze: much should be invested for your long term future. You
• 24:07
  Suze: do not have to figure that out today. Right now
• 24:10
  Suze: your job is much simpler. Buy nothing else. Give nothing away.
• 24:16
  Suze: Learn exactly what you own. Start funding your retirement. Keep
• 24:21
  Suze: the remaining settlement safe and prove to yourself for one
• 24:25
  Suze: year that you can live on your income without using
• 24:29
  Suze: this settlement money. You may be overwhelmed right now, and
• 24:34
  Suze: it's actually far better than being overconfident. Overconfidence is how
• 24:40
  Suze: people make enormous mistakes with sudden money.
• 24:44
  Suze: You don't need to know everything today. You just need
• 24:47
  Suze: to make sure you don't do something today that you
• 24:51
  Suze: will wish you could undo tomorrow. Take care of yourself
• 24:56
  Suze: and have a great life.
• 25:00
  KT: Amen to that, Suze. Can you imagine, everyone, if she
• 25:07
  KT: and her husband follow this? Wow, they will be set
• 25:11
  KT: for life and they'll be proud of themselves.
• 25:14
  Suze: But the main reason why KT presented this idea to me.
• 25:18
  Suze: I wanted to do it because so many of you
• 25:23
  Suze: are paralyzed when you don't have any money, and sometimes
• 25:27
  Suze: I have to tell you the truth, not having money
• 25:29
  Suze: and not having to deal with it and being like
• 25:31
  Suze: everybody else around you who doesn't have money can sometimes
• 25:35
  Suze: be easier.
• 25:36
  Suze: But if you happen to live a lifestyle where most
• 25:39
  Suze: people around you don't have money, they're making it paycheck
• 25:43
  Suze: to paycheck, and then you inherit money or you get
• 25:48
  Suze: money from something, it doesn't matter what, and you have
• 25:51
  Suze: a whole lot of money. The money produces such guilt
• 25:56
  Suze: it's not even funny, and it is that guilt.
• 26:01
  Suze: That can make it, so that you want to give
• 26:04
  Suze: away all this money, you want to get rid of it,
• 26:06
  Suze: cause you're more comfortable being like everybody else, versus being
• 26:11
  Suze: financially better off than everybody.
• 26:15
  Suze: Everybody has their own life in terms of what they
• 26:19
  Suze: need to learn about who they are, and there is
• 26:24
  Suze: no better teacher in life than money.
• 26:28
  Suze: So, keep your money safe when you get it. Keep
• 26:32
  Suze: it where you don't make any moves with it, and
• 26:35
  Suze: never let fear, shame, or anger control what you do
• 26:41
  Suze: with your money.
• 26:43
  Suze: So next Sunday we will be back and we will
• 26:46
  Suze: tell you about everything that has happened to us during
• 26:50
  Suze: this time that we've been away. I'm sure it has
• 26:52
  Suze: been incredible, totally different for us. We're all doing what
• 26:56
  Suze: KT we're doing this entire trip with a carry on.
• 26:58
  KT: One carry on each.
• 27:01
  Suze: That's it. That's it.
• 27:03
  KT: When we send photos or post them, we're gonna have
• 27:06
  KT: the same outfit on.
• 27:07
  Suze: No matter what. All right, but until then there's only
• 27:11
  Suze: one thing that we really want you to remember when
• 27:13
  Suze: it comes to your money, Ms. Travis, go for it.
• 27:16
  KT: People first, which means you, then money, then things.
• 27:21
  Suze: Now you stay safe.