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Transcript

How To Make Wise Financial Decisions · Suze Orman's Women & Money (And Everyone Smart Enough To Listen)

0:07
Suze: January 18, 2026. Welcome everybody to the Women in Money podcast,
0:13
Suze: and everybody's smart enough to listen. And today is Suze School.
0:18
Suze: That means you get me all to yourself.
0:21
Suze: I know a lot of you are saying, but I
0:23
Suze: miss KT. She's so sweet. She's so cute.
0:27
Suze: And trust me, I know how adorable she is. If
0:30
Suze: you think she's adorable on the podcast, you should see
0:35
Suze: her in real life. That vitality, that love, that spirit,
0:41
Suze: I'm telling you, just shines through when she's just doing
0:46
Suze: everything that she really wants to do.
0:50
Suze: On Thursday's podcast last Thursday.
0:54
Suze: We opened up the podcast with KT reading an email
0:57
Suze: from a man by the name of David, who said
1:00
Suze: that last Sunday's podcast, which was my market projection, was
1:04
Suze: his favorite podcast out of 25 years, I think of
1:08
Suze: him listening to me.
1:11
Suze: And KT just thought that was so great.
1:14
Suze: And then I said, but those kinds of podcasts are
1:18
Suze: not my favorite podcasts.
1:21
Suze: And the real reason is that I could give you
1:26
Suze: the best stocks to buy.
1:28
Suze: I can give you the best forecast, the best this,
1:31
Suze: the best that.
1:33
Suze: But there's something that prevents you, not all of you,
1:38
Suze: but many of you from doing that which I have
1:41
Suze: told you to do.
1:44
Suze: That's when I started to realize,
1:48
Suze: that why is it that you don't do what you
1:50
Suze: know you should do and you would say I'm afraid
1:53
Suze: I'm ashamed, I'm angry, whatever it is, the three internal
1:57
Suze: obstacles to wealth.
1:59
Suze: But the one internal obstacle to wealth that I really
2:03
Suze: want to focus on today is fear.
2:08
Suze: What will your fear do, and how does it show
2:12
Suze: up in your finances? OK, everybody.
2:17
Suze: Now, that's number one. Number two.
2:21
Suze: Many of you, and I mentioned this a little bit ago,
2:24
Suze: wrote in and said, can you just do a podcast
2:26
Suze: for us people who are in retirement, who are older
2:30
Suze: and everything, and I kind of let you have it
2:32
Suze: a little cause I was like, you know what, all
2:34
Suze: the podcasts are for everybody. And then I started to realize, no,
2:41
Suze: they're right. I was wrong.
2:44
Suze: There's a different element of fear involved when you are 60, 65, 70,
2:52
Suze: even 80, or 90, than when you are 25, 35, 45,
2:57
Suze: and even 50.
2:59
Suze: It is different.
3:01
Suze: Today's podcast is especially for all of you who are 60, 65, 70,
3:08
Suze: and 80. It is dedicated to you.
3:11
Suze: However, if you're younger than that,
3:14
Suze: this podcast can absolutely come to play in your life
3:19
Suze: as well. So I ask you to listen with every molecule, atom,
3:26
Suze: whatever else is in your body. So, I want you
3:29
Suze: to listen to this with what I call elephant ears.
3:34
Suze: As they say in India, listen carefully.
3:39
Suze: Here's the scoop, everybody.
3:41
Suze: When you're 60, 65, 70, 80, or 90, you have
3:49
Suze: experienced and lived through multiple market crashes.
3:56
Suze: And you think at this time that you're supposed to
4:01
Suze: feel safe.
4:03
Suze: But the history of living through all those market crashes up, down, up,
4:08
Suze: down the 70s, the 80s, all of it.
4:12
Suze: Here you are, you're supposed to feel safe, and yet
4:16
Suze: you don't. And why is that most likely? It's because
4:21
Suze: you're watching the markets move and
4:24
Suze: As I've said, you're gonna see the markets go up,
4:26
Suze: the markets go down, it's no longer gonna be straight up, really,
4:30
Suze: like it was back in 2025, especially with the technology
4:34
Suze: and the AI stocks. You're seeing stocks go up four
4:37
Suze: points in one day, and the next day they're down five,
4:40
Suze: and it's all over the place, so we feel like
4:42
Suze: we're not going anywhere.
4:45
Suze: You're hearing all these headlines, the headlines that are out there,
4:51
Suze: such as, are we gonna go to war with Greenland?
4:54
Suze: How about with Iran? What's happening in Minneapolis? What is
4:58
Suze: going on in Venezuela? We are like all over the
5:02
Suze: place and we are hearing and experiencing things that none
5:07
Suze: of us, I don't care what your political affiliation is.
5:10
Suze: Let's get real here, everybody.
5:13
Suze: Whether you agree with it or you don't agree with
5:15
Suze: it is not the point. All of us are experiencing
5:20
Suze: things that we're seeing on the news that we have
5:22
Suze: never ever seen before, ever, or even heard about before, ever.
5:32
Suze: So when that happens, you then start to wonder.
5:36
Suze: Do I have enough?
5:39
Suze: Should I be doing something? What if I make the
5:42
Suze: wrong move now?
5:44
Suze: And the reason that I know that's what you're thinking
5:48
Suze: is cause you write me and you tell me that.
5:52
Suze: But I want all of you to listen to me
5:55
Suze: really very carefully.
5:57
Suze: And I say this with all the love in my heart,
6:00
Suze: which is a lot of love, everybody.
6:03
Suze: What you are feeling is not irrational.
6:08
Suze: And it's not a sign that you're bad with money,
6:11
Suze: so stop thinking that. Believe it or not, it is
6:16
Suze: your nervous system talking.
6:21
Suze: Now, I know about this, and I'll tell you why
6:25
Suze: in a second, but here's what I want you to
6:28
Suze: also understand when you are younger.
6:33
Suze: And my little niece Sophia said this to me as
6:36
Suze: well as some friends who I watch their investments and
6:39
Suze: things like that. Oh, Suze, it doesn't matter. I'm in
6:42
Suze: my twenties. I have years. I don't personally care what
6:45
Suze: the market does. I'm not even watching it. I'm OK.
6:49
Suze: So when you are younger, market drops. They just kind
6:52
Suze: of feel like they're theoretical to you, not a big deal.
6:55
Suze: But when you are older they feel personal and why
7:01
Suze: is that? The truth is because there's less time to recover.
7:06
Suze: Why do you think I always say to you, money
7:08
Suze: that is in the stock market is money that you
7:11
Suze: do not need for at least five or 10 years
7:14
Suze: or longer. Why do you think I say that? Because
7:19
Suze: there's less time to recover it if something goes wrong.
7:24
Suze: Many of you are probably living on a fixed income,
7:29
Suze: and now you're seeing interest rates go down, you're not
7:33
Suze: getting as much on your CDs or in your treasuries.
7:36
Suze: You hear that it's even gonna go down further. You
7:40
Suze: felt safe because it was in a money market account,
7:42
Suze: making 4, 4.5% interest, and now that's all the way
7:45
Suze: down to 3%. All of those things play on you
7:50
Suze: not feeling safe.
7:53
Suze: Underline the word safe.
7:56
Suze: By the way, do all of you have out your
7:58
Suze: Suze notebooks? 'Cause there are things that I am probably
8:02
Suze: gonna say in this podcast, 'cause I don't know exactly
8:04
Suze: what I'm gonna say yet, but that I have a
8:07
Suze: feeling you're gonna wanna know and remember, all right? And
8:11
Suze: I know I always say, well, you can come back
8:13
Suze: and listen to the podcast, but here's the problem, you
8:15
Suze: can't remember what podcast it was. You don't wanna do that,
8:18
Suze: just read your notes, all right?
8:21
Suze: The next thing that is really personal to you right
8:25
Suze: now are health care costs. Everybody, listen, I don't care
8:32
Suze: whether you're older or younger, the cost of your insurance,
8:37
Suze: the cost of your Medicare or Mediap insurance, whatever it is,
8:42
Suze: it is skyrocketing on you if you are younger. I
8:46
Suze: was just with my niece Katie up when we went
8:48
Suze: to Amelia Island.
8:50
Suze: She lives in Jacksonville and oh my God, she was
8:54
Suze: telling me how her family, early forties, three young children,
8:59
Suze: I think it's eight, six, and maybe one year right
9:01
Suze: around there, $3500 a month for insurance for the five
9:08
Suze: of them. I want you to just think about that, OK?
9:13
Suze: That is a big deal for most people out there.
9:19
Suze: So, all of these things add to the fact that
9:23
Suze: you feel like every decision that you make right now
9:26
Suze: is final. It's final.
9:30
Suze: And all of this creates a specific kind of fear,
9:37
Suze: a fear that goes like this: If I mess this
9:41
Suze: up now, I can't fix it. Isn't that true? Don't
9:46
Suze: you all think this? Oh my god, Suze, if I
9:49
Suze: invest in this now and it doesn't work, I don't
9:51
Suze: have time to fix it. I'm just gonna leave it safe.
9:54
Suze: I'm coming out of the stock market because if it
9:55
Suze: goes down, I can't fix it.
9:58
Suze: And here is the bottom line.
10:01
Suze: When you feel this fear, right? It changes, underline this, everybody,
10:09
Suze: it changes how the brain works. Do you hear me?
10:16
Suze: There is a biological system in your body.
10:20
Suze: That decides whether you feel calm or panicked long before
10:26
Suze: logic kicks in. Now, how do I know this to
10:30
Suze: be true? Because I experienced it big time.
10:36
Suze: I experienced it starting five years ago in July of 2020,
10:42
Suze: after I had that really complicated and life threatening, lifestyle
10:48
Suze: altering surgery.
10:50
Suze: And after it was all over.
10:53
Suze: And everybody told me how serious it was and how
10:58
Suze: I would never recover 100%.
11:02
Suze: I started to panic at little things. Is my left
11:07
Suze: leg going to collapse and all of a sudden I'm
11:09
Suze: going to fall? And when I tell you I started
11:11
Suze: to panic, I honest to God started to panic.
11:17
Suze: And it wasn't even logical. The things I was panicking
11:21
Suze: about wasn't logical.
11:24
Suze: And that's when I was talking to the doctors about it.
11:27
Suze: It's like, this can't be. I'm Susie Orman. I'm strong.
11:31
Suze: I'm this, and they said, Suze, you've been through a
11:35
Suze: very traumatic event, so it is logical, but I want
11:40
Suze: you to research something called the Polyvagal system. And I said,
11:46
Suze: the poly what? They said, Suze,
11:49
Suze: We're gonna give you information and you need to research
11:52
Suze: it even more on your own, something called the Polyvagal system.
11:57
Suze: Which is based on the work that somebody by the
12:00
Suze: name of Stefan or Steven Porges, I think it's P
12:03
Suze: O R G E S. I never did know how
12:05
Suze: you pronounced his last name, what he created, cause this
12:10
Suze: is what is happening to you.
12:14
Suze: And my main question when I was going through all
12:19
Suze: of this, I had one question.
12:23
Suze: And my question was, am I safe?
12:26
Suze: Am I really safe?
12:29
Suze: And as time went on,
12:33
Suze: Right, I started to realize that if my body doesn't
12:38
Suze: feel safe, my brain cannot make wise decisions.
12:45
Suze: As time went on and I learned about this and
12:48
Suze: I learned how to control it, by the way, everybody.
12:51
Suze: I realized, oh my God, this just doesn't apply to
12:55
Suze: my health. This applies to every single one of you,
13:02
Suze: if you don't feel safe with your money.
13:07
Suze: And even though for years I've been saying fear is
13:10
Suze: the main internal obstacle to wealth.
13:14
Suze: I never actually knew why it was the main internal
13:18
Suze: obstacle to wealth. I just had put that together out
13:21
Suze: of all those years of seeing my clients not being
13:24
Suze: able to do what they needed to do with money,
13:27
Suze: even though they were brain surgeons at the time.
13:31
Suze: I'm going to make it all financial from this point on, OK, everybody.
13:36
Suze: But if your body does not feel safe, your brain
13:43
Suze: cannot make wise financial decisions.
13:48
Suze: Now, how do I know that that's true currently?
13:53
Suze: I know because again you write me and you tell
13:57
Suze: me this.
13:58
Suze: You tell me, Suze. I know I'm totally diversified, but
14:04
Suze: I'm still panicking.
14:07
Suze: Suze, I know I don't need to sell.
14:11
Suze: But yet I still feel desperate. I feel like I
14:13
Suze: have to get out.
14:16
Suze: Or you write me and you say I know we
14:18
Suze: have the perfect plan. I know it, but all of
14:22
Suze: a sudden, Suze, I want to blow it up. I
14:25
Suze: want to get out.
14:27
Suze: Why do you want to do those things? Because you
14:30
Suze: don't feel safe, do you hear me?
14:35
Suze: So this is not a weakness. This is not you
14:38
Suze: being bad with your money. This is not you being
14:41
Suze: financially capable. This is not you.
14:46
Suze: This is biology that is within you that is ruling
14:51
Suze: what you are doing.
14:53
Suze: So, here's what I can tell you.
14:57
Suze: That I have seriously learned and what I have taken
15:01
Suze: from Steven Porges or Porges, or whatever his name is,
15:05
Suze: let's just call him Steven, right? This is what I
15:09
Suze: have learned about the systems and how they work when
15:13
Suze: it comes to your money, OK?
15:16
Suze: The first state is the calm state, because whenever I
15:21
Suze: was calm.
15:23
Suze: I felt safe, and when I was safe, I didn't panic.
15:28
Suze: I didn't feel like, oh my God, I'm gonna da
15:30
Suze: da da da. I felt safe. So when it comes
15:35
Suze: to your finances,
15:38
Suze: when you feel safe, you're calm, and then what do
15:41
Suze: you do? Well, you stick to your plan. You understand
15:46
Suze: the risk that you've taken.
15:48
Suze: You ride out all the volatility of these stupid markets.
15:53
Suze: You make thoughtful choices by when the markets go down,
15:56
Suze: you continue to dollar cost average. And when you are
16:00
Suze: in the calm state.
16:04
Suze: That means you're safe, and this is where your wealth
16:07
Suze: is protected. And why is it protected? It's because your
16:11
Suze: brain is functioning, and you are doing things that are intelligent.
16:18
Suze: Versus from fear.
16:21
Suze: The next state is called the fear state.
16:26
Suze: They call it actually fight or flight, and this is
16:30
Suze: where you panic because when the markets start to go
16:36
Suze: up and down, you don't understand them. You saw it
16:39
Suze: happen everywhere in April when President Trump did what? He
16:45
Suze: started to raise tariffs and I still never understood them,
16:48
Suze: but that's besides the point and everybody panicked.
16:53
Suze: So, this is when the markets go nuts and that
16:58
Suze: triggers panic. So then what do you wanna do?
17:02
Suze: You want to sell everything.
17:04
Suze: You wanna move everything to cash. You wanna do something immediately.
17:09
Suze: You don't wanna wait, you don't wanna see what happens
17:12
Suze: next week. You call up your financial advisor or your
17:15
Suze: broker and you go, sell everything.
17:17
Suze: And you can't stop watching the financial news. It's like
17:22
Suze: you're attracted to it.
17:25
Suze: So again, you either fight it or flight, but this
17:29
Suze: causes the fear state. And again, let me be clear, urgency.
17:36
Suze: You doing something immediately, you feeling like you have to
17:41
Suze: act and you've never thought that way before, it is
17:44
Suze: the number one enemy of wealth. Fear more than shame
17:49
Suze: and anger really is the number one enemy of wealth.
17:56
Suze: You writing this all down?
17:59
Suze: Next, and this one makes me so sad, cause I
18:02
Suze: saw it so much during my Oprah years when I
18:06
Suze: would go into people's houses and I would, it, it's just,
18:09
Suze: it made me so sad.
18:12
Suze: And it is called the shutdown state.
18:17
Suze: This is where you freeze. you just totally freeze. And
18:23
Suze: what happens, I'll tell you, when you freeze, and you're
18:27
Suze: freezing cause you don't feel safe, right? And then fear
18:30
Suze: kicks in, you stop opening your statements.
18:35
Suze: You ignore your required minimum distributions that you need to
18:39
Suze: make and then you have a penalty. You don't call
18:42
Suze: your adviser and ask about anything, and the truth of
18:46
Suze: the matter is you just, you, you feel numb. You
18:50
Suze: feel tired. You're overwhelmed by everything, and I cannot tell
18:55
Suze: you how many 35 and 40 year olds are stuck
19:01
Suze: in this state.
19:03
Suze: There is a serious model who I love so much.
19:08
Suze: She's on cover. She is stunning, and I met her,
19:13
Suze: and when I met her, she couldn't look at her statements.
19:16
Suze: She didn't want to look at anything. She was making
19:18
Suze: great money, but she was frozen.
19:22
Suze: And we worked through her fear, what she was afraid
19:26
Suze: of all of that.
19:28
Suze: And now she is doing so fabulous with her money
19:33
Suze: that she actually wrote me last night an email saying
19:36
Suze: I was just with the financial advisor and I'm doing great.
19:40
Suze: Everything's going according to plan. I feel so safe and
19:44
Suze: I have to tell you truthfully, when she said that
19:47
Suze: and I read it, that's kind of what really triggered
19:50
Suze: this podcast today. But when you are in that frozen state,
19:56
Suze: the shutdown state.
19:58
Suze: Here's what you tell yourself.
20:00
Suze: You say, I just can't deal with this anymore. I
20:03
Suze: just can't do it.
20:05
Suze: But here's what I want you to know, if this
20:08
Suze: is you that I'm talking to. This is not giving up.
20:12
Suze: This is your nervous system trying to protect you.
20:18
Suze: That's right, it is your nervous system trying to protect you. Now,
20:25
Suze: why is it when we become older, we feel all
20:30
Suze: of this so intensely, it's not even funny.
20:35
Suze: And because of this, and I can talk about it
20:39
Suze: because I am aging.
20:42
Suze: I am 75 in the next few months here whenever
20:46
Suze: that comes in June, and I think about it. I think,
20:51
Suze: oh my God, next I'm gonna be 80, then 85,
20:54
Suze: and it's intense, everybody, when you start to get older,
20:58
Suze: whether you know it or not because our bodies are
21:01
Suze: getting older, some of us, but I'm like a 20
21:04
Suze: year old inside. KT tells me I'm like a 2
21:07
Suze: year old, but that's besides the point. All right, so
21:10
Suze: the truth is.
21:12
Suze: As we age, our tolerance for uncertainty absolutely decreases. It's
21:19
Suze: like loss feels more threatening. Like, truthfully, I live in
21:24
Suze: fear of possibly losing KT before I go, and it's,
21:30
Suze: I feel threatened by that because I love her so much.
21:35
Suze: And the body, I have to tell you, our stress
21:39
Suze: response as we get older activates faster when we don't
21:45
Suze: feel safe. So when the markets do swing, your body,
21:51
Suze: listen to me, actually reacts as if my survival is
21:56
Suze: at risk.
21:58
Suze: That's why volatility feels physical to you. That's why you
22:02
Suze: feel sick to your stomach, and that's why yelling at
22:06
Suze: yourself to stay calm doesn't work or if your spouse says,
22:10
Suze: just stay calm, it's OK, it doesn't work.
22:16
Suze: Now, I'm gonna get to something that I found did work. However,
22:20
Suze: but that is why everyone, you should never make money
22:25
Suze: decisions in fear. So when you feel like you are afraid,
22:29
Suze: when you feel like all of these emotions happening, you
22:32
Suze: have to promise me you are not going to do anything.
22:35
Suze: So again, I'm gonna say this as clearly as I can,
22:39
Suze: fear-based decisions destroy wealth.
22:43
Suze: And I know it for a fact because I have
22:45
Suze: watched you sell at the bottom, lock in losses, miss recoveries,
22:50
Suze: and regret it for the rest of your lives, not
22:55
Suze: because you were stupid, but because you were scared. I'm
22:59
Suze: now going to give you three of my rules that
23:03
Suze: I want you to write down and do.
23:07
Suze: Especially when the markets become really volatile, you are really afraid,
23:12
Suze: and you're afraid, why? Because you don't feel safe. Here
23:16
Suze: are three things that I want you to do. Now,
23:20
Suze: the first one,
23:22
Suze: I'm telling you because this is what I was taught
23:25
Suze: to do and believe it or not it works so
23:30
Suze: this isn't Suze Orman telling you to do this although
23:33
Suze: I am right now. I'm telling you what I did
23:36
Suze: to help me with my health when I was afraid
23:39
Suze: and I didn't feel safe and I learned this again
23:43
Suze: from that gentleman, Steven, who created this system when I
23:49
Suze: researched him, all right.
23:51
Suze: So the very first thing is, when you feel like
23:56
Suze: you are just freaked out, before you make any financial move,
24:03
Suze: I want you to take a breath through your nose.
24:08
Suze: Then I want you to take a small second sip
24:12
Suze: of air.
24:14
Suze: Then I want you to exhale slowly through your mouth,
24:19
Suze: and you need to do that three times. When you
24:23
Suze: do that, believe it or not, it tells your nervous system,
24:28
Suze: I'm safe right now. Only then should you really think
24:33
Suze: about touching your money, but only after you've done step two.
24:40
Suze: If you're now asking yourself what should I do.
24:46
Suze: I want you to ask it differently. I want you
24:51
Suze: to ask yourself the question, not what should I do now?
24:54
Suze: I want you to ask, do I need this money
24:59
Suze: in the next three to five years.
25:03
Suze: And if the answer to that question is no.
25:07
Suze: Then you don't do anything. Then the volatility that's out
25:12
Suze: there is just noise, but it's not danger.
25:16
Suze: And if you have really big fear, you're really afraid.
25:22
Suze: Then I want you to do this when you say,
25:24
Suze: but what if I lose everything?
25:28
Suze: What I want you to say, what is my next
25:31
Suze: right step to take? Just what is your next step?
25:35
Suze: Just one step, not 10, not five, just what is
25:41
Suze: your next step? Can you just try those three things? Now,
25:47
Suze: before I end this podcast, I wanna talk to you
25:51
Suze: about financial advisors, OK?
25:55
Suze: Because a lot of you think I hate financial advisors,
25:58
Suze: and I don't.
26:00
Suze: If you have a great financial advisor, they are worth
26:03
Suze: their weight in gold, but you have to know that
26:07
Suze: they have your best interests at heart versus their own
26:11
Suze: so I wanna talk about advisors and trust right now.
26:16
Suze: If you are over 60
26:19
Suze: and you don't trust your adviser enough. Listen to me.
26:23
Suze: You don't trust them enough to call them when you
26:27
Suze: are afraid you're scared. Ask them the same question twice, three times,
26:34
Suze: four times to admit to them that you are overwhelmed.
26:40
Suze: Then in my opinion you need a different adviser.
26:45
Suze: Because a good adviser regulates with you, and what do
26:49
Suze: I mean by that? They calm you down when you
26:53
Suze: are freaked out. They don't rush you. They don't shame you.
26:57
Suze: They don't pressure you. They regulate your fear because they're
27:03
Suze: not in a state of fear. They feel safe most
27:06
Suze: likely with what they have recommended to you.
27:09
Suze: So they're calm, so they need to be able to
27:13
Suze: calm you down, all right?
27:17
Suze: If you're older now, even if you're younger, and you're
27:21
Suze: listening to me right now, I want you to hear this.
27:25
Suze: You have survived wars.
27:28
Suze: Recessions, market crashes, personal losses, health scares.
27:37
Suze: You are not fragile.
27:41
Suze: Old is gold. I heard somebody say that the other
27:45
Suze: day on this webinar that I was watching. Brilliant.
27:51
Suze: She went on to say the sun is golden and
27:55
Suze: look how old it is and look how it shines.
27:59
Suze: So old is gold, so you are not fragile, you
28:04
Suze: are experienced.
28:07
Suze: And the markets, oh, they will go up, they will
28:10
Suze: go down, they always have, but panic for you to panic,
28:16
Suze: that's optional. Do you hear me? So here's my promise
28:21
Suze: that I wanna make to you.
28:23
Suze: If you learn to calm your nervous system, you stop
28:27
Suze: reacting to headlines.
28:30
Suze: You will trust your plan again. You will stop second
28:33
Suze: guessing yourself. You will feel steady even in uncertainty. And
28:39
Suze: if you ask me, that is real power.
28:45
Suze: And this is the last thing that I want you
28:47
Suze: to remember, you are not your portfolio, you are not
28:52
Suze: the market, you are not today's headlines. You are your
28:56
Suze: own greatest asset.
29:00
Suze: You really are your own greatest protector.
29:04
Suze: And you are also your own greatest rescuer.
29:09
Suze: So, until Thursday, when Ms. Travis, I can't wait for
29:14
Suze: her to hear this podcast, when Ms. Travis joins us
29:18
Suze: again on Ask KT and Suze Anything, you always have
29:22
Suze: time to go to my YouTube channel and subscribe, which
29:25
Suze: is youtube.com/ Suze Orman. There's only one thing that I
29:31
Suze: want you to remember, and it's this: people first, then money,
29:35
Suze: then things.
29:37
Suze: Now you're gonna all understand why I end every podcast
29:41
Suze: with the phrase, now you stay safe. Bye-bye now.