Episode Transcript
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Suze (00:46):
May 9th 2024. Welcome everybody to the Women and Money
podcast as well as everybody smart enough to listen today
is what KT?
KT (00:56):
Today is my brother's birthday.
Suze (01:00):
All right, tell everybody about your brother's birthday. Go on,
go on
What you were supposed to say there is today is what?
Today is Ask KT and Suze Anything.
KT (01:11):
They know that. There's millions of people that have been listening to
us for years. They already know that. Let's tell them something.
They don't know. Today's my brother Bob's birthday.
Suze (01:23):
Are you telling them what they don't know? Are you
telling them something they need to know?
KT (01:27):
What they don't know.
Suze (01:28):
They don't need to know what's coming up here.
KT (01:30):
We always called him the Mother's Day baby because it
was Mother's Day weekend in May that he was born.
Suze (01:37):
Nobody knows who you're talking about.
KT (01:39):
My brother. I said my brother Bobby's birthday.
Suze (01:42):
And how old is he?
KT (01:43):
I have no idea, but he's younger than me and
he lives in New Jersey.
Suze (01:47):
What does that tell you?
KT (01:49):
He makes the best barbecue chicken.
Suze (01:51):
That she doesn't know how old her brother...
KT (01:54):
How old is your brother?
Suze (01:56):
Well, one of them is going to be 80 believe
it or not.
KT (02:00):
And what's the other one?
Suze (02:02):
The other one is gonna be 77. He was 77.
Ok. So it took you a little while to get that.
All right. Let's get on with it.
But I got it out.
KT (02:12):
Let's get on with it.
Suze (02:12):
I have to say something before we start. As you know,
this is Ask KT and Suze Anything. So if you want
to ask a question in the hopes that Miss Travis
picks it to be answered on this podcast that you
have to write into Ask Suze Suze podcast at gmail.com
(02:37):
and we read them and if KT likes it, she
chooses it. But this is what I want to tell you.
You don't necessarily get a notice back that says, oh,
we're gonna be doing your question this week. So you
have to have to listen to listen. If we just listen,
just listen. That's number one, number two,
(02:59):
I want all of you to go and join up
for the Women and Community app. You do that by
going to Apple Apps or Google Play.
And the reason I want you to do that is
that is where I post charts and I make comments
and things that you should know sometimes photos and sometimes
photos that I don't post anywhere else. But recently I
(03:22):
posted for everybody that there seems to be a scammer
out there who is using my picture,
asking you for your email making it sound like they
are me. I'm gonna tell you this right now and
this will never ever change. Suze Orman herself will never
want your email address. Your phone number. Any information about you.
(03:47):
When you go to my alliant
dot com and you take the quiz and you put
your email in there. That's for my alliant.com for Alliant
Credit Union. Not for me. I would never see your
emails there. I would never see your names there. That
is private information between you and Alliant and it will
(04:10):
be there by the way and you only have till
June 5th my birthday to do it. Where if you
go to my alliant.com and take the quiz, that's right there.
Put in your email, one of you will be selected
and win $5000. All right, KT.
KT (04:29):
You ready?
Suze (04:29):
No.
KT (04:32):
Are you ready?
Suze (04:33):
No, there's one more thing.
KT (04:35):
What is it?
Suze (04:36):
What is one week from today? Think about it. Think
about it. This is your quizzy. Think about it.
KT (04:42):
We are leaving for our safari, Suze and I are
going on safari with some family members. We are so excited.
This was a promise we made to Travis and Sophia
when they were, I think six and nine years old They
were very young. They were so young they couldn't go on.
Suze (05:00):
Of course, Aunt Susie said, one day we'll take you
when you're older on a safari. Well, guess what? Now
that they're in their mid twenties, we decided, All right,
they're older.
Why are we doing it now, KT?
KT (05:12):
Before they get married?
Suze (05:14):
Because who knows if we're going to like who they marry.
But let's just hope we do.
KT (05:20):
Ok. First question I have is from Vena. She's, by
the way, Suze, she's 52 years old. Just keep, keep
that in mind.
So she said Suze, would it be ok to withdraw
$10,000 from my Roth IRA to increase my emergency fund?
I currently have 9000 in emergency funding in a high
(05:43):
yield savings account with Amex. I've been maximizing my Roth
IRA for the last nine years. So sweet.
Suze (05:51):
Right, girlfriend. Listen to me. Have you ever heard
say before that it's absolutely ok to use your Roth
IRA as a substitute emergency fund. And why is that
because any money you originally put in to a Roth Ira,
(06:11):
you can take out at any time without taxes or
penalties regardless of your age or how long it's been
in there.
So, if you were to take that $10,000 right now
that you have in your Roth, that maybe it's just
sitting in cash or whatever, why not just put that
within the Roth IRA into a high yield savings account
(06:34):
wherever you are holding it. So you are making the
exact same interest rate is probably you're making
on your savings account outside of your Roth. So just
do it that way. But no, don't take it out
of the Roth to put it in a high yield
savings account since you can do it within your Roth.
All right. Ok. Next question.
(06:55):
Should that have been your quizzy?
KT (06:57):
No
Suze (06:59):
No, no, because you would have gotten it wrong.
KT (07:02):
No, I would have definitely gotten it right. You don't
take money out of the Roth to put into an
emergency fund savings account. It goes the other way.
Suze (07:10):
And the other thing, I just have to say one
thing for everybody, the reason that I don't have a
problem with you using your Roth IRA as your emergency
funding is because number one of what I just said
that you can take it out any time you want
without taxes or penalties. However,
there's a limit every year you can only put in
(07:31):
depending on age seven or $8000 this year into your Roth.
As the years go on. If you don't take advantage
of those contributions, then you've lost that ability. So let's
say all of a sudden, you not only have a
lot of money in your Roth emergency fund,
(07:52):
but now you were able to also save money in
a high yield savings account somewhere that is your emergency fund,
then the money that's in your Roth that you wouldn't
have had in your Roth. Otherwise you could start investing
for your retirement. Brilliant, brilliant strategy if I must say
(08:13):
so myself. All right.
KT (08:15):
You are brilliant. Ok. Next question is from Laurie. Hi, Suze.
I have $18,000 in credit card debt.
Suze (08:24):
Ok. That's good.
Could have been 30 it could have been 50.
KT (08:29):
It should be zero. Laurie, in my opinion.
Suze (08:31):
But listen to me, you shouldn't feel bad because you
have $18,000.
KT (08:35):
Laurie has a plan and she needs your advice. Is
it better to get a new credit card that I
can transfer my balances over to and pay it off
in 20
21 months with zero interest or make the minimum payment
plus the interest so I can pay it off faster.
Suze (08:54):
What you didn't answer in your email or tell us about,
Laurie was what is the current interest rate that you
are paying on your credit card? I bet any amount
of money it's above 0%.
So for $18,000 would I do a balance transfer? The
(09:16):
question isn't, would I the question for you is, can
you because if you don't have a really great FICO
score in most cases, 760 or 780 or above, you're
not gonna be able to do that. But you should
at least try to see if in fact somebody accepts you.
It is also possible
(09:38):
that when you do a balance transfer of $18,000 you're
going to have to pay approximately a 3% balance transfer
fee to get it into your new card. Therefore, about
$540 is going to have to be paid to do that.
(09:58):
However, at $18,000 at 0% versus $18,000 on a credit card,
a lot higher than that. I'm sure it is if
you can absolutely worth your while to do a
balance transfer at 0%. Next question, KT.
KT (10:19):
Ok. This is from Eleanor. She said, Suze, my husband
died in 2019. I took his social security as a
widow benefit at the time I was 65.
I've continued part time work and wanna know that when
I turn 72 can I switch to my social security?
(10:40):
As I think it will be more.
Suze (10:42):
So, first of all, we always, it's so sad. It's
so sad when any of us lose somebody that we love.
And even though it's five years ago that that happened
for you, Eleanor, I know there's always still pain, there
will be pain forever on some level, but still our
condolences go out to you even at this time. First
(11:06):
of all, it's not when you turn 72 it's when
you turn 70.
I think a lot of you, by the way, are
getting when Mac Social Security is for you because of
when it used to be 72 for your required minimum
distributions from your retirement accounts. Now, by the way, that
(11:27):
is 73. So
after the age of 70 your social security does not
continue to increase like it did from your full retirement
age all the way up till 70. So, yes, you
can absolutely switch to your social security if your social
(11:48):
security is higher
than what you are getting right now in widow benefits.
That's the answer. Go on KT.
KT (11:57):
Ok. This is from Julie Suze. You're on a roll
this morning. I like it like the energy from Julie.
I'm 66. I own a home with about $80,000 in equity.
What document do I need to have in place for
my sons so that they will be able to take
ownership and sell my home. I'm assuming when she passes,
(12:20):
but she didn't say that.
Suze (12:21):
So it just depends on your situation really as to,
are you gonna be keeping this home? Are you selling it? Obviously,
you could put the name of your sons on your
home
as joint tendency with right of survivorship. So that the
day that you die, it automatically passes to them. But
then there's all kinds of things that can go wrong
(12:42):
with that scenario, meaning that maybe your house has gone
up significantly in value since you purchased it.
And if you do that, then you're giving your sons
your cost basis on the house as well. So the
truth of the matter is the best way financially to
pass an asset like a house down to your children
(13:05):
is by having a revocable living trust
where their names are the successor beneficiaries. Obviously, you would
be the primary beneficiary. You are the trustor, the one
who has created the trust. You are the trustee, the
one that decides. Do you want to sell it? What
do you want to do with it? Do you want
(13:25):
to eliminate one of your sons? What do you want?
And you are the beneficiary as well, the primary beneficiary
because it's held for your benefit while you are alive
on your death. It goes to your sons as the
successor beneficiary. That is the correct way that you should
do it next KT.
KT (13:46):
OK. This is from Donna. Hi Suze and KT. You
are both such a blessing. Thank you for continuing to
shower us with financial wisdom.
I think she means you.
Suze (13:59):
Don't you ever put yourself down.
KT (14:02):
I'm not.
Suze (14:02):
Don't say I think it's you, you...
KT (14:04):
I think it's you that shower us with financial wisdom.
I asked the questions.
Suze (14:09):
I want you to listen to me, Miss Travis and
you listen to me right here. And right now.
KT (14:13):
Slap down, slap down, Everybody that's called a Suze slap down.
Suze (14:19):
Your love, your generosity of spirit,
your entire being of who you are.
Combines everything I have ever said about money. Money isn't
just about money. Money is not just about what you have.
It's about who you are as well and you bring
(14:41):
to this podcast,
the love and the understanding and all of it that
is needed. So you are vitally important.
KT (14:52):
Thank you so much. So, this is what Donna is asking. I've
been blessed to be in a position in which I
earn too much money to qualify for a Roth. How
can I establish and fund one now with at least
a dollar for future conversions?
And then I love this. Your podcast is the best
(15:13):
part of my Thursday morning. So I didn't know you
can fund it with a dollar.
Suze (15:18):
Well, you could actually fund it with anything you want.
And the main reason,
KT (15:22):
I mean, as little as a dollar...
Suze (15:25):
As little as 50 cents if you want serious, stop it,
KT don't get me off track here. I see. Right now,
I complimented her and now look at her like, now
she just wants to take over the entire podcast anyway.
KT (15:41):
Ok, I do, but not today.
Suze (15:43):
All right. That's good. So, here's the thing Donna is
that the main reason that you want to start a
Roth IRA
is if you have money that's in a Roth 401k
A Roth TSP A Roth 403 B, whatever, it may
be a Roth IRA. A Roth Simple. You name it
(16:05):
and you want to transfer it from where it happens
to be at your ex-employer when you transfer it into
a Roth IRA, then the time limit has already started
and then you don't have to wait any time to do. So,
does that make sense? The problem is when you convert,
(16:27):
you convert from a traditional account to a Roth, regardless
of how long the Roth IRA has been opened,
the five year time period still starts every time there
is a conversion. But given that you don't qualify for
a Roth,
(16:48):
I don't think I would be worried about it so
much right now in your particular situation. All right.
KT (16:55):
Hi, Suze. My name is Roosevelt. I'm 59 years old,
single and living in Charlotte, North Carolina, by the way,
I love your TV show. So he watches you on Freebie.
All of you should watch the Suze Orman show on FreeVee.
So, here's the bottom line. His birthday is coming up
on May 17th. He pays $60 every three months for
(17:19):
his insurance term insurance, but it's gonna be renewed at
$160 every three months.
What his concern is and he's got savings. He has
a CD annuity. He has no expenses and his home's
paid off. So, here's the bottom line. He wants to know.
Should he drop the policy and just put money aside
(17:42):
that will allow
to be buried with his loved ones in California in LA.
That's his question.
Suze (17:49):
So wait, give me this for just one second. Let me
see it because usually there's a lot of information on
these emails that if we read it, it would just
be way too long.
He has a lot of money in savings. He's fine.
He has one son, 36 years old who lives on
his own. So here is the real question, everybody. Do
you want insurance or do you need insurance? If you
(18:12):
simply want insurance, don't waste your money if you need it.
That's another
story. So I have to tell you, Roosevelt, I would
not be doing this. You have enough money that you
could just put $10,000 aside or whatever it is and
just pay for it on your own. But insurance is
(18:33):
not the way to do it, by the way. Happy birthday.
All right.
KT (18:38):
Ok. Next is from Lou Ann. Hi. I don't know
where to start.
I love these. I don't know where to start. Oh, no,
I don't know where to start.
So basically she feels like she's stuck. She said I
have a small IRA around 150,000. A nice checking account,
(19:00):
small savings. I live in a condo. I can't stand it.
She can't stand the condo. You never know till you
move in. I've been here for one year and four months.
So she definitely wants out Suze. She's counting down how
long she's lived in her condo.
She said I want to move. I feel like I'm stuck.
(19:21):
I don't have a big down payment after sinking a
lot of money in this. Not so nice place, any suggestions?
Suze (19:29):
So it's a little confusing. KT, well, she's been there
a year. She says I don't have a big down
payment for a home, for a new home. What happens
is she sells this one? She has to, she wants
to sell it. So here's the thing, Lou Ann,
there's people first, then money, then things, you've heard me
say it over and over again. You cannot continue to
(19:54):
live in a place that you hate.
All right, you just can't do that it right. You
can't feel stuck. You have to put yourself in front
of your money. At this point in time, you are
never stuck. Even if you have to take a loss
(20:15):
to
move somewhere fine. Now, there's nothing wrong with you selling it,
getting out of there, maybe renting for a little bit
until you can figure out where you want to live,
what you really want to do
and then see what you can afford and what makes sense.
(20:36):
But put that condo on the market right now. Now
I just have to say something. I'm the one who
put
the word hate into Lou Ann's mouth. She says she can't
stand it. That's how she said it. That translates to me.
She hates it. Figure out the money later on, I
(20:59):
have another real estate one I picked because this one
made me like, whoa, these things happen.
KT (21:04):
This is hi, Suze, my wife and I will retire
in about eight years. Our home will be paid off
in 10 years. We have an emergency fund. We have
no credit card debt. So the home will be paid
off in about 10 years. We would love to stay
in this home until we die. We do not want
(21:25):
to leave the house to the Children. We do have
a will and a trust. My question is, is there
any way to get cash
out of our home without refinancing a home equity loan?
Would you recommend a reverse mortgage? We would like to
cash out the equity which is about half a million
dollars instead of moving, selling or leaving it to the Children.
(21:49):
So they basically want to live off this home and
die in this home.
Suze (21:53):
Ok. Ok. Now my dear Teresa... KT, what do you think?
They don't want to leave their house to their kids?
Not a big deal.
KT (22:00):
I think they want to retire and actually use the
equity in that home to live on
so that they, you know, they don't want to leave.
They definitely don't want, don't want to leave that says
do not in capital letters.
Suze (22:16):
But Teresa, here's the thing I need you to understand
in this email, you say that you're going to retire
in eight years and then you say that your home
will be paid off in 10 years. You did not
tell me how old you happen to be,
but when it comes to a reverse mortgage. You have
(22:38):
to be at least 62 years of age or older.
And the very best circumstance to do a reverse mortgage
is when you own your home outright. There are other
ways that you can do it, even if you don't
own your house outright. But I wouldn't suggest that. So
we are now looking 10 years off from now
(23:01):
and here's what I'd like to say to you a
lot can happen in 10 years. So to be thinking
about what is the best way to do it right
now in 2024 when really the answer to this question
will be revealed in 2034 believe it or not
(23:24):
is what I want you to remember. Number one, number two,
let's just say you retired, the house is paid off.
You're 62 years of age or older. Would I recommend
a reverse mortgage simply for you to get money out
of your house? Now,
(23:44):
as you get older, things really do change your health,
the maintenance on the house may get harder, things change
things in the house, start to break 10 years from now.
And if you do a reverse mortgage, you're pretty much
locked in to keeping that house no matter what
(24:08):
normally until you die. Because even if you then decide
later on, you wanna sell it, you're not gonna get
the equity out of it that you really think you
have in it. So if you need a reverse mortgage
to stay in that home,
(24:28):
I ask you at the time when this will become
relevant to you, that you really think about that because
if you need a reverse mortgage to stay there, I
would be telling you that is your first indication that
you need to sell it and move somewhere that you
(24:48):
can afford where you use the equity in your home
to your advantage. So what you think you want right
now
may not be on any level, what you want 10
years from now. So just think about that. All right, KT.
KT (25:09):
This, this um next question is very interesting. This is
from a Melissa who met you at 11. She was
11 years old
Suze (25:20):
Or in 2011.
KT (25:22):
At 11, I met you at a book signing. No,
she said now I'm 39. No, she was 11 years old, ready.
So we're old. That, that makes sense. 11 years old.
So 20 years later, I met you at a book
signing which inspired my journey to financial independence. So you
really influenced her. You're gonna like where she's at.
(25:43):
I'm 39. I'm a single mom of 2, 10 and
12 years old. I manage full financial responsibility. I own
my home outright. I built a rental property on her land,
I suppose I hold a corporate position with max contributions
to retirement, ready, ready, everyone. And I have investments totaling
(26:08):
around $4 million.
So, Suze Orman, you made an impression on an 11
year old little girl. Now. Ready? Wait, wait, wait, this is,
this gets even better after a tech layoff. I'm in
a less fulfilling
W-2 job. That means she gets a paycheck everyone. But
she enjoys some side consulting though. It lacks FTE benefits
(26:33):
as I navigate this time, employee benefits. As I now
is her question ready? This is it. I'm getting to
the question as I navigate the crossroads, she's 39. Everyone.
What advice would you give me? And how long should
I work
now? That's very interesting. She's 39. How, I mean,
(26:54):
it seems like she's done more than an average lifetime
worth of self accomplishments and financial savings.
Suze (27:03):
Go back to when you were 11 and you met
me and think about what is it when you met
me
that allowed you to become who you happened to be?
Because it would seem to me that you are somebody
who is very in touch with who you are and
(27:27):
what you want to be.
And maybe you looked at me at that time and
you said, oh, now that's a woman who knows who
she is. Oh, that's a woman who knows what she
wants to be. Oh, that's a woman who loves doing
what she is doing and what she does.
(27:47):
And I have a feeling that you have the ability
to know that about yourself as well. You are probably
in a situation that you never really have to work
again for money. You need to understand
that the crossroads that you stand at which are so fabulous.
(28:10):
It is your choice which direction you wanna go. And
if you start to go down a direction and you
don't like it, it is your choice that you get
to do a U turn. It is your choice if
you want to try the other road or not. And again,
if you don't like it, you can turn around
that you have to reside in your own power, you
(28:32):
have to reside in knowing what you want and what
makes you happy. But more important than anything. You have
two little ones
that are 10 and 12. They are right where you were,
you were in the middle of those two kids when
you first met me. So let them meet a mother
(28:57):
that represents the same qualities that I represented to you
that day. So that your two Children grow up to
be exactly like you.
KT (29:11):
Wait, I'm giving her a standing ovation. That was, that
was great. That was like Suze standing in her truth.
Suze (29:18):
Now, KT, we're almost ready for your quizzy. You have
another one or a short one?
KT (29:24):
Yeah, let's do Karen's, I'm 70 years young. I have
no spouse or immediate family. I'm single. How can I
tell if I have enough money to last till I die?
Is there a formula I'm in good health. Please advise
70 years young baby, younger than us, baby. She's younger
(29:45):
than us. How does she know what she needs in
terms of money till she dies? We don't know how
long you're gonna live.
So, here's the thing, that's a question for God. Not Suze.
Suze (29:55):
Well, it's kind of the same thing. No, just joking, joking, joking. Right.
So here's the thing, Karen, nobody knows
when they are no longer here
that you know, that just will happen when it's meant
to happen somehow. All right,
you would look and see how much money do you
(30:16):
actually have? How much income does it generate for you,
including your social security, including all your possible other sources
of income. How much do you generate today after taxes?
And is your after tax income enough to pay currently
(30:40):
your expenses that you have,
if it is now you are starting from a really
strong position as time goes on. It is possible that you,
in fact, may need more than what you need today.
Maybe you need a helper, maybe who knows what it
(31:01):
may be. So then do a calculation
as to at a two or 3% whatever it is,
growth rate on your money. Just so you can be
really conservative assuming that you took out 4% a year
from your accounts. How long would that last? You?
(31:25):
And then you'll kind of know if you have enough,
will it last you until you're 100 years? Of age,
will it last you till you're 110 years of age?
If it would, I would feel pretty safe that you
are ok. However, you just never know in life. So
just do your homework, do that calculation. I think you
(31:49):
probably will find out that you're ok. Now, if you're not,
if you don't have enough money, given that you are
70 years young. All right. Find a sign job, do
something else that brings in more money right now.
So you can continue to contribute to a Roth IRA.
Maybe you pay down the mortgage on your home, but
(32:11):
there's always something you can do.
She was smart enough to write in to ask Suze
podcast at gmail.com. Are all of you smart enough? Derek
was absolutely smart enough to write in and this is
the "Can I Afford It?" quizzy for today's podcast. I
(32:33):
will read this and you will all have to decide.
Do you approve him or do you deny him?
And let's see if Miss Travis gets it right.
Dear, Suze and KT. You never left out. Are you? No?
All right. Recently my mom gave both my brother and
(32:55):
me $3500 each. Are you writing that down, KT and
my little Suze notebook? All right, there we go. Mom
told me I could use the money any way I wanted. However,
she said it would be nice if I used the
gift so that my husband and I would take a
(33:19):
more relaxing vacation than we usually take. Ok, whatever that is.
My brother, however, is an accountant and says that I
should use the money for a vacation but should put
all $3500 in my Roth IRA.
(33:42):
He says that for a person my age, I haven't
saved enough for retirement,
but a modest vacation relaxing with my husband sounds very attractive.
So here are the numbers. if we were on TV,
I would say Derek show me the money. Derek is
(34:06):
50 years old.
He takes home $2400 a month. His share of the
household expenses come to $2140 per month. He has no
debt other than the mortgage on their home, which has
(34:29):
an interest rate of 3.8%
and a balance of $88,720. His emergency fund is $26,100
and between his Roth IRA and his 403 B at work,
(34:50):
that's a pre tax account there. He only has a
Roth IRA is a traditional 403 B at work. What
are you thinking, Derek?
It contains a total of $137,957.
Can Derek
(35:11):
afford to take $3500 and go on a vacation.
A modest one with his husband.
All right. Are you all thinking about that? Everybody
KT (35:29):
I know exactly what my answer is.
Suze (35:31):
All right. Do you all know if you're going to
approve or deny Derek, KT?
KT (35:37):
You are so denied, Derek
Suze (35:40):
Really denied?
KT (35:41):
Absolutely no. Listen to your brother. You're 50 years old.
Take the $3500 gift, put it in the Roth and
just forget it and set it, let it grow. You
have $88,000 left on a mortgage at 3.8%. You've got...
Suze (36:00):
We know what he has in savings. He doesn't have
that much in savings and he does have one year
of emergency expenses, doesn't matter. He's 50 years old. His
brother's right. Final answer.
KT (36:13):
Derek, you are DENIED. Suze goes DENIED.
Suze (36:19):
KT is absolutely correct. Although you have to just hear
me say it, you are just so denied. I can't
even tell you
when you are given a gift. You should never look
at the present value of that gift.
Yes, it's $3500 today. What you need to think about
(36:44):
is what if I took that $3500? I listened to
my brother, I put it into a Roth IRA and
I left it
there for the next 20 years until I was 70
over all that time, it was averaging about 9%. That's
not a 9% interest rate people. One year it goes
(37:04):
up one year it goes down. But in an average
annual gain when it's averaged over 20 years, 9%. Do
you know in 20 years from now that 3500 would
be worth, what, $20,000?
How do you feel about that? Now, if just out
(37:26):
of curiosity, would that have changed your mind?
So whenever you look at money, it's not what it's
gonna cost you today, what is it going to cost
you in future earnings in future growth? And then if
you still want to do it and think you can
(37:47):
afford it. Ok? But thank God you have a brother
who's just a little bit smarter,
then you. All right, KT that brings us to the end of
another KT and Suze Anything podcast. So until Sunday, when
we will have Suze school again, there's only one thing
(38:08):
that we want you to remember when it comes to
your money and what is it, Katie?
It's people first, then money, then things...
And if you live your life like that, you will be. What, KT?
KT (38:22):
Unstoppable!
Suze (38:24):
Yeah. Girlfriend.