# You Can't Be A Financial Wimp in 2026

An episode of [Suze Orman's Women & Money (And Everyone Smart Enough To Listen)](https://invisiblenetwork.ai/podcast/1439621652), 19 Jul 2026, 30 min.

Audio: https://traffic.omny.fm/d/clips/2df1102a-5761-4c99-b489-aabd0161f8fe/44e0936e-923c-43c7-9e2a-aade00edf4d3/0e733b66-0a27-4cdd-8154-b48b0150bef4/audio.mp3?utm_source=Podcast&in_playlist=4e05fb00-5a5b-4ed9-b353-aade00edf4dd

On this brand new Ask KT & Suze Anything, KT asks and Suze answers your questions about last week's SEP IRA and Solo 401k master class. Plus, helping your parents out, protecting your financial future against AI and so much more. Learn more about the Ultimate Scam Protection here: SuzeOrman.com Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3G Help with the Must Have Docs: • Email:support@musthavedocuments.zendesk.com • Phone: 888-510-0510 Get your savings going with Alliant Credit Union: https://bit.ly/3rg0Yio Get Suze’s special offers for podcast listeners at suzeorman.com/offer Join Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMI See omnystudio.com/listener for privacy information.

## Transcript

[0:08] KT: Hi everyone. Welcome to the Women and Money podcast, and everyone,
[0:13] KT: everyone smart enough to listen. This is,
[0:16] Suze: What's the date?
[0:16] KT: Wait, this is KT in the house.
[0:18] Suze: They know it's you.
[0:19] KT: There's a reason why I'm opening this. Today is July 19th... 2026.
[0:26] Suze: Did you get stumped there for a second?
[0:27] KT: I did, because I'm realizing how old I am. July 19th,
[0:31] KT: and in a few days it will be my 74th birthday.
[0:35] Suze: That's on July 21st. So what do you got?
[0:38] KT: I have something for all of you.
[0:40] KT: I have a gift for all of you. On today,
[0:43] KT: July 19th, Hay House will be offering as a special
[0:48] KT: birthday pricing in honor of me because
[0:50] Suze: I know she gets jealous when I do it.
[0:52] KT: Yeah, plus you, you're gonna save a dollar, everyone.
[0:56] Suze: Mine was at $75. All right, go on.
[0:58] KT: The must-have documents will be available for anyone that needs
[1:03] KT: them and doesn't have them from today, July 19th through
[1:08] KT: July 21st, midnight Pacific time. They are $74 and that
[1:16] KT: is an incredible price because right now you have to
[1:18] KT: pay $153.
[1:20] KT: Suze's were 75.
[1:23] Suze: So wait, let me just step in here for one second.
[1:26] Suze: For those of you who don't know, the must-have documents
[1:30] Suze: are documents you must have. They are a will, a
[1:34] Suze: living revocable trust, an advanced directive, a durable power of
[1:37] Suze: attorney for healthcare, a financial power of attorney, and you
[1:41] Suze: can change them as often as you want.
[1:44] Suze: There's Suze Shareware, so what does that mean? Well, these
[1:47] Suze: will be KT Shareware. All right, you can share it
[1:50] Suze: with any of your family members, anytime there is an update,
[1:54] Suze: you get it for free, and on and on and
[1:58] Suze: on again, $2,500 worth of state of the art documents,
[2:02] Suze: good in all 50 states.
[2:05] Suze: So what that means everybody is to get this incredible
[2:09] Suze: B-Day offer. Please go to musthave docs.com, that's DOCS.com/birthday. If
[2:19] Suze: you don't put slash birthday, you aren't gonna get birthday pricing.
[2:25] Suze: All right, now, this is the Ask KT and Suze
[2:28] Suze: Anything edition. As you know, we are taking the summer off,
[2:33] Suze: so to speak, so on Thursdays, Robert will drop a
[2:38] Suze: best of Suze School or whatever he feels is appropriate.
[2:42] Suze: On Sundays we drop a new podcast. Sometimes it's Ask
[2:47] Suze: KT and Suze Anything. Sometimes, like last week, it was
[2:51] Suze: a serious Suze School. So it just depends on what's
[2:55] Suze: happening out there. What do you got for me, sweetheart?
[2:57] KT: So, based on what she just told you on the
[2:59] KT: community board, Roz sent in
[3:02] KT: a question after listening to last Sunday's Suze School, which
[3:07] KT: was a master class on the solo 401k versus the
[3:12] KT: SEP IRA.
[3:13] Suze: So did you listen to it?
[3:15] KT: I did. And Suze, all I can say to all
[3:18] KT: of you that haven't listened, listen up and listen, especially
[3:23] KT: to the part where it says two hats are better
[3:25] KT: than one.
[3:26] Suze: Oh, you liked that?
[3:26] KT: Yes, I did. I loved it.
[3:29] KT: And it pertained to me.
[3:30] Suze: All right, go on.
[3:31] KT: I was pretty much self-employed for a good part of my life.
[3:34] Suze: What is the question you have in front of you?
[3:37] KT: Ok, question from Roz. So where does the Roth IRA
[3:40] KT: fit in? Can both the SEP IRA and the solo
[3:45] KT: 401k people also contribute to their Roth IRA?
[3:51] Suze: Oh, so you picked this up from the Women and
[3:52] Suze: Money Community app. Well, that's good on you.
[3:56] Suze: Anyway, listen, everybody, there is an app called Women and Money.
[4:00] Suze: Go to Apple Apps or Google Play, and there's a
[4:04] Suze: community there that really helps one another out. I've stopped
[4:07] Suze: answering questions on that site, because there are imposters that
[4:12] Suze: pretend that they're me.
[4:15] Suze: So therefore, just know I'm not going to answer, and
[4:18] Suze: if I do, maybe it's a yes or a no,
[4:21] Suze: but I never invite you to go offline with me
[4:25] Suze: and answer questions. So be very, very careful. Also, I
[4:29] Suze: just have to say I never take individual appointments.
[4:34] Suze: I never do individual consultations where I invite that for you.
[4:40] Suze: Sometimes if you've just lost a spouse or something, we'll
[4:44] Suze: get together, but you'll know it's me when we do it.
[4:47] Suze: You don't have to doubt it.
[4:49] Suze: So, Roz, this one's very, very simple. Yes, you can
[4:53] Suze: have both. One has absolutely nothing to do with the other.
[4:58] Suze: You can have a SEP or a solo 401k, and yes,
[5:02] Suze: you can have a Roth IRA on top of it,
[5:05] Suze: just that simple. And it makes no difference if you
[5:08] Suze: have a Roth 401k at your employer, either. You can
[5:13] Suze: also have a Roth IRA. All right, go on.
[5:17] KT: OK, next question is from Anna. She said, I'm retired,
[5:21] KT: 57 years old. I have $2 million in a traditional
[5:25] KT: IRA that I'm converting to a Roth over 13 years,
[5:31] KT: staying in the 22 to 24% bracket. My advisor charges 0.60%.
[5:38] KT: Which is about $35,000 a year.
[5:41] Suze: Wait, wait, did I just hear that right? She has
[5:44] Suze: $2 million. She's paying $35,000 a year, and supposedly all
[5:51] Suze: he charges is 0.60%. Go on.
[5:54] KT: He manages individual equities.
[5:57] KT: Keep cash reserves and help her with tax planning on
[6:02] KT: the conversion. She said, I'm a low cost index fund believer,
[6:06] KT: and I'm wondering, Suze, at what point does it make
[6:10] KT: sense to move to self-management or a flat fee automated alternative?
[6:17] KT: And are platforms like Range a reasonable substitute for what
[6:22] KT: a traditional advisor provides? What's Range?
[6:26] Suze: I'll tell you about Range in a second, but here's
[6:29] Suze: the range that really concerns me: 0.60 on $2 million
[6:35] Suze: is not $35,000. $35,000 a year on $2 million, KT
[6:43] Suze: is a 1.75% advisory fee
[6:49] KT: Way too much.
[6:49] Suze: That is way, way too much. So something is radically
[6:55] Suze: wrong there, Anna. You have to go to him and
[6:58] Suze: you have to say, or her and say, why am
[7:01] Suze: I paying $35,000 a year just for you to manage
[7:05] Suze: individual equity and keep cash reserves and do some tax planning?
[7:10] Suze: That is ridiculous. That is ridiculous. That is ridiculous, OK.
[7:15] Suze: Now, next, all right, before I go on to my
[7:18] Suze: true thoughts here, right, is Range. What is Range? Range
[7:23] Suze: is this new company that started, I want to say
[7:25] Suze: maybe 5 or 6 years ago, KT, that rather than
[7:29] Suze: them charging you a percent of assets under management, like
[7:32] Suze: 0.60 or whatever it may be, they charge you a
[7:37] Suze: flat fee that has a range,
[7:40] Suze: depending on the services that you get from them, they
[7:45] Suze: can be simple to very complex, but their range goes from,
[7:50] Suze: I think, about maybe $4,000 a year to $12,500 a year,
[7:55] Suze: or even $20,000 a year, depending on what you want
[7:58] Suze: them to do. The catch is, though, you have to
[8:02] Suze: sign up for one full year, number one.
[8:07] Suze: Doesn't matter on whether they make money for you or
[8:10] Suze: they lose money for you. You still have to pay
[8:12] Suze: them that. Number two, I don't think you get your
[8:16] Suze: own individual advisor. It's done by a team of people. Also,
[8:24] Suze: the money isn't kept at Range. It's kept at a
[8:27] Suze: bit Altruist or whatever it may be. They're young, but
[8:30] Suze: here's what I don't like about it, truthfully.
[8:34] Suze: Which is this, there is no incentive really for them
[8:39] Suze: to make you more money. The reason that I'd like
[8:42] Suze: an investment advisory fee more if you want to use
[8:46] Suze: an advisor,
[8:47] Suze: is that they make more if you make more. So
[8:52] Suze: if they take your money from 2 million to 3 million,
[8:57] Suze: now they're making, let's just say 1% on 3 million
[9:00] Suze: versus 2. If they take your money from 2 million
[9:04] Suze: to 1 million, not only have you lost money on paper,
[9:07] Suze: but their fees have gone down as well. So it
[9:11] Suze: puts you on the same side of the fence, right?
[9:15] Suze: They do better when you do better. Just that simple.
[9:19] Suze: I don't see the incentive for range here except to
[9:23] Suze: have you keep coming back, but I don't think I
[9:27] Suze: would do it if I were you. I don't like
[9:29] Suze: that you have to pay number one up front and
[9:32] Suze: that you get a team.
[9:34] Suze: I really don't really love range bottom line. I don't
[9:38] Suze: know enough about them. I just don't think they're really
[9:41] Suze: what you need. You seem to be very simple in
[9:46] Suze: your needs. You have $2 million that's obviously already invested
[9:51] Suze: in a traditional IRA. You've already been converting it over
[9:56] Suze: the
[9:56] Suze: years to a Roth, you know how much per year
[10:00] Suze: you've been converting it, so you can either do that
[10:03] Suze: on your own or go back to your advisor that
[10:07] Suze: you have been working with and say something is wrong
[10:10] Suze: with the $35,000 that I'm paying.
[10:13] Suze: It is way, way too much, really, because 0.60% on
[10:18] Suze: $2 million is only about $12,000 a year, which is
[10:25] Suze: essentially what you would be paying at range for full
[10:28] Suze: services anyway.
[10:30] Suze: And you already know this advisor. Do you want to
[10:34] Suze: do it on your own? That is up to you.
[10:38] Suze: Before you do anything, Anna, I want you to go
[10:41] Suze: to the advisor that you have and really figure this out,
[10:44] Suze: because I think you have been seriously overcharged for a
[10:48] Suze: long time. Next question, KT.
[10:51] KT: Next question is from Kelly.
[10:53] KT: Hi Suze and KT. My old employer only offered a
[10:57] KT: traditional 401k. I now have $114,000 in that account. My
[11:04] KT: new employer offers a 401k Roth, which I will be
[11:09] KT: contributing to. My old employer plan only allows a complete
[11:14] KT: one-time all at once rollover to the new employer plan.
[11:20] KT: I know I will owe taxes on the conversion. I
[11:24] KT: do not want to pay taxes owed on the 114,000
[11:28] KT: all at once. Is there any other way to do this?
[11:32] Suze: Yea, simple. What you should be doing, you can do
[11:35] Suze: two things talk to your new employer. They obviously also
[11:39] Suze: have a traditional 401k.
[11:42] Suze: Roll it all at once to the traditional 401k, but
[11:46] Suze: make sure that they allow in plan conversions so that
[11:50] Suze: within your new employer's plan, you can convert little by
[11:54] Suze: little to the Roth 401k or better yet, if your
[12:00] Suze: income isn't really high and you know you're always gonna
[12:03] Suze: qualify for a contributory Roth, then you could roll it
[12:07] Suze: over into an IRA rollover.
[12:11] Suze: And little by little convert to a Roth IRA and
[12:15] Suze: by doing that you have far more investment choices that
[12:19] Suze: you can make. You can do treasuries, ETFs, individual stocks,
[12:24] Suze: all kinds of things in your employer's plan. You're only
[12:27] Suze: going to probably be able to do mutual
[12:29] Suze: funds and or the employer's stock if they have one.
[12:33] Suze: So yeah, you have two choices, not a big deal. Next, KT.
[12:37] KT: Suze, this is from Giovanna. I like this one a
[12:40] KT: lot because I think it's two Italian ladies. Hello. First
[12:45] KT: of all, thank you for your continued teachings. I am
[12:48] KT: a POA of a 96-year-old friend, Anna. Anna owns her...
[12:55] KT: so POA...
[12:56] Suze: Power of Attorney.
[12:58] KT: Anna owns her own house in which she lives alone.
[13:01] KT: She is very independent and strong-willed, good health overall, but
[13:06] KT: limited mobility.
[13:08] KT: Anna's financial situation: She owns her house outright. Her long-term
[13:14] KT: care insurance is about to end in a few months.
[13:18] KT: Anna has $58,000 in a bank. Her monthly expenses are
[13:24] KT: about $5,000 once the long-term care insurance ends.
[13:30] KT: Anna currently is starting to spend more than she earns.
[13:34] KT: Once her long-term care insurance runs out, she'll need to
[13:38] KT: spend even more. I'm thinking about increasing her income through
[13:43] KT: a reverse mortgage or in an equity loan. What are
[13:47] KT: your thoughts on each? Is, do you think, Suze, there's
[13:50] KT: another way to address this situation? And again, Giovanna says
[13:54] KT: thank you for your valuable recommendations. So sweet.
[13:59] Suze: Well, my dear Giovanna, it really depends.
[14:05] Suze: So your friend is 96 years of age, and Anna
[14:11] Suze: owns her home outright. I don't know how much it's worth,
[14:14] Suze: but here's the question. Is she always going to be
[14:18] Suze: able to remain in that home?
[14:21] Suze: Or is she, as she gets older, possibly going to
[14:25] Suze: need nursing care? She doesn't have long term care insurance anymore.
[14:30] Suze: Will she end up in a nursing home? Who's going
[14:33] Suze: to look after her? Who's going to take care of her?
[14:36] Suze: All of those things. And so you really need to
[14:40] Suze: make a decision now. Does it make sense for Anna
[14:46] Suze: to do truthfully because interest rates are relatively high right now.
[14:50] Suze: Does it make sense for her to do a reverse mortgage,
[14:54] Suze: take all the money out of the house little by little?
[14:57] Suze: Who knows how long she's going to live, and then
[15:00] Suze: all of a sudden she's no longer in the house.
[15:03] Suze: She's now in a nursing home. Will she need to
[15:06] Suze: sell the house? Will she not? Will she really net more,
[15:10] Suze: having done that?
[15:11] Suze: I think the real conversation is here, is she better
[15:16] Suze: off selling the house? You say she has limited mobility.
[15:22] Suze: Selling the house right now,
[15:25] Suze: taking that money and now she has it now she
[15:29] Suze: could always rent an apartment. She could go into an
[15:32] Suze: independent living facility like my mother did, and she loved it.
[15:37] Suze: She wasn't alone. She had people around her, and it
[15:41] Suze: was good and simply live off the interest.
[15:45] Suze: That the money from selling her home will probably generate
[15:49] Suze: for her to pay for all of that. And even
[15:52] Suze: if she goes into her principal little by little, I
[15:56] Suze: don't think she'll outlive it. But if she does a
[16:01] Suze: reverse mortgage, yes, she gets to stay in her home.
[16:05] Suze: The question is, can she.
[16:08] Suze: Does it make sense? And I don't think it makes
[16:12] Suze: financial sense, you know, KT, sometimes when we get older
[16:16] Suze: we latch on so strongly to our home. Like our
[16:20] Suze: home is our independence. Our home is what we love.
[16:24] Suze: We want to stay in our home, and I understand
[16:27] Suze: that feeling.
[16:29] Suze: But it's not always the wisest thing, and at 96, again,
[16:35] Suze: you have to think differently. If she falls, does somebody
[16:39] Suze: live with her?
[16:41] Suze: You say her expenses are going to increase. Is that
[16:44] Suze: because right now, her long-term care insurance provides an aid?
[16:48] Suze: I don't know enough.
[16:51] Suze: But in a situation like this, if I was forced
[16:55] Suze: to choose one or the other, I would choose a
[16:58] Suze: reverse mortgage because a home equity loan, your expenses are
[17:02] Suze: just going to go up and you're going to be
[17:04] Suze: paying the loan back with the money that you took out.
[17:08] Suze: But I really, really think the two of you should
[17:11] Suze: take a ride around and really look at places and
[17:15] Suze: just see what she thinks about it, all right, but
[17:18] Suze: you need to do it sooner than later. All right, KT.
[17:22] KT: And both of our moms lived in assisted living and
[17:25] KT: they loved it. They had friends. They had a community.
[17:29] Suze: Yes they did, but remember, KT, it's not something that
[17:32] Suze: they wanted to do right away.
[17:35] KT: Like once they did it, they really loved it
[17:37] Suze: They did, yes, and so you know it's hard everybody listen,
[17:42] Suze: I get it. I get when you get older you
[17:45] Suze: want the only thing that you've ever known.
[17:48] Suze: What you don't know is the unknown. Do you trip?
[17:52] Suze: Do you break your hip? Do you start forgetting things?
[17:56] Suze: Do you leave the stove on? Little things can happen.
[18:00] Suze: So even to be accepted in an independent living facility,
[18:04] Suze: you have to show
[18:05] Suze: that you're capable of living independently, otherwise they're not gonna
[18:10] Suze: want to do it. So, and there are many out
[18:14] Suze: there where you don't have to buy in. You can
[18:16] Suze: just rent like my mama did. All right, go on, KT.
[18:20] KT: OK, this is from Teresa.
[18:23] KT: Hi Suze, I'm trying to help my mom and dad
[18:26] KT: look over their finances. They are both retired, 64 and
[18:30] KT: 70 years old, living in California, and their only income
[18:35] KT: is Social Security, which is about $3,200 a month total
[18:42] KT: between the two of them. Not a lot.
[18:45] KT: She wants to move her Fidelity 401 money, $45,000 from
[18:50] KT: her previous employer somewhere, and I'm thinking she should roll
[18:54] KT: it over into a traditional IRA and then over the
[18:59] KT: next three to five years.
[19:00] KT: Roll it into a Roth IRA. Is that the right
[19:04] KT: thing to do?
[19:05] Suze: No.
[19:06] KT: Oh, OK. Tell Teresa O she signs it like Suze O.
[19:11] Suze: All right, Teresa O, here's the thing. There's no reason
[19:15] Suze: why your mom and dad, they have no income, therefore
[19:19] Suze: they don't pay any taxes even in the state of California.
[19:23] Suze: There is no advantage for them rolling it to a
[19:26] Suze: Roth when the truth of the matter is that there's
[19:29] Suze: only $45,000. You're going to have to start taking money
[19:34] Suze: out of it, and that's when you pay taxes on
[19:37] Suze: it little by little. So the truth is either leave
[19:40] Suze: it exactly where it is or roll it to an
[19:43] Suze: IRA rollover. Don't even bother converting it. It makes absolutely
[19:49] Suze: no sense whatsoever in their situation.
[19:54] Suze: However, they're only 64 and 70, my dear Teresa.
[19:58] Suze: They only have $45,000 in a retirement account. They're living
[20:05] Suze: on their Social Security, which jointly is $3,200 a month.
[20:10] Suze: When one of them dies?
[20:13] Suze: They lose one Social Security check. Now their income has
[20:20] Suze: gone down to probably about $1,600 a month or whatever
[20:25] Suze: the higher spouse's Social Security check was. Can you tell
[20:30] Suze: me how in the state of California or anywhere mamma
[20:35] Suze: or daddy,
[20:37] Suze: depending on who dies first, is able to survive on
[20:40] Suze: $1,600 a month. Oh, now we have to start taking
[20:46] Suze: out $2,000 or $3,000 from the $45,000 and really in
[20:51] Suze: one year that's gone. So all mommy and daddy have,
[20:57] Suze: especially if one of them dies, it will be approximately
[21:01] Suze: $1,600 a month after the $45,000 is gone.
[21:06] Suze: Your true job now when you say that you're looking
[21:10] Suze: over their finances is you need to figure out what
[21:15] Suze: are you going to do when that happens because usually
[21:20] Suze: what happens, Teresa is that that's when a child steps
[21:24] Suze: up and they pay for their mother. KT and I
[21:28] Suze: both paid for our mother's fully, everything for them. Luckily
[21:32] Suze: we had enough income to do so.
[21:34] Suze: I don't know your particular situation, but this is what
[21:39] Suze: my advice to you is here, not about what do
[21:42] Suze: you do with the $45,000 but do not convert it.
[21:46] Suze: Makes no sense. But the mere fact that you wanted
[21:49] Suze: to and you thought that was the right thing to
[21:51] Suze: do says to me that you also don't know what
[21:55] Suze: to do with your own money. Believe it or not.
[21:58] Suze: So, you need to look over your own money right now.
[22:02] Suze: Think about what are you going to do? Are you
[22:05] Suze: going to have to move one of them in with you?
[22:08] Suze: What are you going to have to do?
[22:10] Suze: But you need to make a plan right here, right now.
[22:14] Suze: I don't know if you're an only child or you
[22:16] Suze: have siblings, but you got to start looking over your
[22:20] Suze: own finances right now to figure out how you're going
[22:23] Suze: to be able to take care of mommy and daddy
[22:26] Suze: or just one of them after one of them have died.
[22:30] Suze: So sad, KT.
[22:31] KT: I know I'm saying, my goodness.
[22:35] Suze: First of all, the good thing about this situation is
[22:38] Suze: they have Teresa, right, and a family that helps one
[22:43] Suze: another in time of need is really the meaning of family.
[22:47] Suze: Obviously her parents were great. She's great and everything, but
[22:52] Suze: here's what I want to say to all of you.
[22:54] Suze: All right? It's very important that you don't wait 'till
[22:58] Suze: your parents are in their 60s or 70s for you
[23:02] Suze: to get involved with their finances.
[23:05] Suze: You know whether they've been responsible, whether they're saving, and
[23:10] Suze: for those of you who are older out there, you
[23:12] Suze: need to involve your kids right now. You need to
[23:16] Suze: make finances a family affair. Don't just say, oh, it's OK.
[23:22] Suze: I'll be OK. Just worry about yourself cause it never
[23:25] Suze: ends up that way.
[23:27] Suze: So kids, get involved with your parents' money right now
[23:31] Suze: and see, are they OK. See if you are going
[23:34] Suze: to have to help them. Make decisions now when you're younger, everybody,
[23:40] Suze: and if you're older and you know you're going to
[23:42] Suze: need help, involve your kids sooner than later. Just that simple.
[23:48] Suze: All right, KT.
[23:50] KT: OK, this is from Suzy. Hi Suze and KT. I
[23:54] KT: have a question about emergency and retirement funds in the
[23:59] KT: age of AI. I like this question because she's only 38.
[24:04] KT: She said, I'm 38, single, no dependents, and no debt.
[24:10] KT: I rent a small apartment instead of owning.
[24:13] KT: Even though I'm currently doing well financially, I am very
[24:17] KT: concerned about the impact AI will have on the job
[24:21] KT: market in the upcoming years. My current job security is shaky,
[24:27] KT: but I don't want to find a new one right
[24:29] KT: now for many reasons. Do you have any thoughts on
[24:34] KT: how to financially prepare for the fallout?
[24:37] KT: Thank you both for continuing to share your knowledge and
[24:40] KT: wisdom through the podcast and on the app. You're like
[24:44] KT: the two aunts, you're like the two aunts everyone needs
[24:48] KT: in their lives, always willing to speak the truth to
[24:52] KT: help others. Wishing you health and happiness. She sounds like Sophia.
[24:57] KT: Suze, Suze has her niece Sophia, and they speak often,
[25:01] KT: and they speak about money and finances, but we speak
[25:04] KT: the truth to each other, totally true, but Sophia listens
[25:07] KT: and wants, she wants that tough love sometimes.
[25:11] Suze: I hold the truth from all the other ones just
[25:13] Suze: so you know. Anyway, that's just what it is to
[25:17] Suze: be an auntie, I guess. Here's the bottom line here.
[25:22] Suze: Fear is the main internal obstacle to wealth, and for
[25:27] Suze: you to spend time right now being afraid of what
[25:30] Suze: the future brings keeps you from getting the most out
[25:35] Suze: of today. It renders you powerless. It probably prevents you
[25:40] Suze: from getting a promotion at work. You already say your
[25:44] Suze: current work is shaky.
[25:46] Suze: But you don't want to leave it. I feel fear
[25:50] Suze: throughout your entire email. You don't want to own a
[25:53] Suze: home cause it might be too much. You, you know,
[25:56] Suze: don't want to leave work right now, even though it's shaky,
[25:59] Suze: for reasons you didn't want to go in. Now you're
[26:02] Suze: fearing AI. Stop it.
[26:05] Suze: Stop worrying about the future and put 100% of your
[26:10] Suze: energy into what you can do right now to help
[26:15] Suze: yourself feel more powerful. The goal of money is for
[26:18] Suze: you to feel secure. Human beings will always be needed
[26:23] Suze: to do specific jobs. You're only 38. There'll be certain
[26:28] Suze: things that AI, in my opinion, is not going to
[26:31] Suze: be able to do.
[26:32] Suze: Hey, you wanna learn how to cut hair? You wanna
[26:35] Suze: maybe learn to be a boat captain, or a mechanic,
[26:38] Suze: or a contractor. There are many answers to AI.
[26:43] Suze: But you cannot turn your back on the battlefield. You
[26:47] Suze: have to stand in your truth that you have already
[26:50] Suze: at the age of 38, created a very significant financial pile,
[26:55] Suze: because I just saw all your numbers, and you should
[26:57] Suze: be so proud of yourself. It's not even funny. So
[27:01] Suze: little niece of mine listening to me right now, just
[27:05] Suze: stop it. Stop being
[27:07] Suze: a wimp and be the woman you were born to be.
[27:11] Suze: There is not an excuse out there big enough to
[27:13] Suze: keep you from succeeding. Do you hear me? Why are
[27:17] Suze: you laughing, KT?
[27:18] KT: I'm not. I'm just saying that's a great rap, Suze.
[27:22] KT: I love that.
[27:23] Suze: Right? And that's exactly how I talk to my niece, right? Yes,
[27:27] Suze: I do. I let them have it. Now. I didn't
[27:30] Suze: just let you have it.
[27:32] Suze: But it is with that energy, it is with that
[27:35] Suze: conviction that you have to live this life. You cannot
[27:40] Suze: be a wimp in 2026. You just cannot.
[27:47] KT: I love when Suze gets feisty like that, everybody.
[27:51] Suze: All right, she loves when I get feisty, period. However,
[27:56] Suze: just want to remind all of you, today, July 19th,
[28:00] Suze: all the way through midnight Pacific Coast time, July 21st,
[28:06] Suze: Hay House is offering the must-have documents in honor of
[28:11] Suze: KT's birthday, which is July 21st, and she's gonna be 74.
[28:16] Suze: They are offering it for you just for these few days.
[28:20] Suze: So those of you who listen to the Women and
[28:22] Suze: Money podcast early, you win if you need the must-have
[28:26] Suze: documents or want them for $74. If you were to look,
[28:32] Suze: you'll see normally they are now $153.
[28:36] Suze: Which is still a bargain, because once again, $2,500 worth
[28:41] Suze: of state of the art documents, good in all 50 states.
[28:46] Suze: You can share it with your loved ones, renew it
[28:49] Suze: whenever you want, when there's an upgrade, change it whenever
[28:52] Suze: you want, and I can go on and on, and again,
[28:57] Suze: They're called the must-have documents, a will, a living revocable trust,
[29:02] Suze: an advanced directive, a durable power of attorney for healthcare,
[29:04] Suze: and a financial power of attorney because you must have them,
[29:09] Suze: just that simple. So remember, go to musthavedocs.com/birthday.
[29:15] KT: So everyone, that's a wrap. I do want to wish
[29:18] KT: my twin sister a very, very happy day. I know
[29:22] KT: we're not together, and I will be thinking about you
[29:26] KT: as well. I love you, Lynn.
[29:27] Suze: All right, everybody, so until next Sunday, there's only one
[29:31] Suze: thing that we really want you to remember, and it
[29:33] Suze: is what KT?
[29:34] KT: People first, then money, then things.
[29:37] Suze: Now you stay safe in KT for everybody. Happy, happy birthday.

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