# What Is Scaring Me Right Now

An episode of [Suze Orman's Women & Money (And Everyone Smart Enough To Listen)](https://invisiblenetwork.ai/podcast/1439621652), 1 Nov 2026, 22 min.

Audio: https://traffic.omny.fm/d/clips/2df1102a-5761-4c99-b489-aabd0161f8fe/44e0936e-923c-43c7-9e2a-aade00edf4d3/a703f5af-af4e-43f6-806b-b4f401529c4a/audio.mp3?utm_source=Podcast&in_playlist=4e05fb00-5a5b-4ed9-b353-aade00edf4dd

On this Suze School, Suze talks about the latest in the markets and real estate and which of them is scaring her right now. Plus, an update on BitCoin and a great new offering from Alliant Credit Union. 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] Suze: November 1st, 2026. Welcome everybody to the Women and Money podcast,
[0:13] Suze: and everybody smart enough to listen. Today is Suze School,
[0:18] Suze: and yes, I still have a bad voice. So, hey,
[0:23] Suze: you have any remedies? Send it into podcast at askSuze.com,
[0:29] Suze: or you can put it on the Women and Money
[0:30] Suze: Community app. By the way, that is the email in
[0:34] Suze: case you want to ask a question.
[0:37] Suze: Send it in there and if KT chooses it, oh,
[0:40] Suze: I'll answer it with her. All right. It was kind
[0:44] Suze: of a little bit of a scary week last week
[0:47] Suze: in honor of Halloween if you ask me.
[0:51] Suze: Because the markets really had quite a tumble in the
[0:55] Suze: IT area, did they not? Tech stocks, AI, and all
[0:59] Suze: of that, and I'm sure it scared you to want
[1:03] Suze: to sell, to want to get out, so you can't
[1:06] Suze: take all this. So we're gonna talk about the stock market.
[1:11] Suze: I want to talk about something, however, that scares me
[1:13] Suze: even more, the real estate market, believe it or not.
[1:17] Suze: And then I also want to talk a little bit
[1:21] Suze: about Bitcoin.
[1:23] Suze: And maybe a little announcement that I'm willing to make here,
[1:27] Suze: but we'll see, we'll talk about that. All right. First
[1:31] Suze: of all though, before I begin, I want to start
[1:35] Suze: with what I think is one of the greatest treats
[1:37] Suze: of all.
[1:38] Suze: As you know, Alliant Credit Union came out with a
[1:42] Suze: one year certificate for 4.45% APY and 4.5% for $75,000
[1:50] Suze: or above, and it was supposed to end on Halloween. However,
[1:56] Suze: many of you said, please, Suze, we have certificates. We
[2:01] Suze: have money coming to. We want to take advantage of it.
[2:05] Suze: So can you ask them if they would extend it? Also, however,
[2:10] Suze: many of you were writing to say, Suze, I'm retiring.
[2:15] Suze: I have money in an IRA in a Roth 401k,
[2:19] Suze: and all these instruments, and I just want it safe
[2:22] Suze: and sound. Some of it can be invested, but where
[2:27] Suze: should I put money that I want safe and sound?
[2:33] Suze: And I went to them, and I told you this
[2:34] Suze: last week, by the way, right, that I wanted to
[2:37] Suze: create a TCL which stood for a time certificate ladder,
[2:44] Suze: and the reason I wanted them to do that is
[2:47] Suze: because you don't know and I don't know and nobody
[2:50] Suze: knows are rates going to go up? Are they going
[2:54] Suze: to go down? What are they going to do?
[2:58] Suze: So sometimes it just makes sense with money that you
[3:03] Suze: want safe and sound, you want to lock it in
[3:06] Suze: short term, medium term, maybe longer term, that you have
[3:10] Suze: an alternative to do so, and they came back with
[3:14] Suze: the following. And if you go to my alliant.com, you
[3:19] Suze: will see this, it is already up and running now.
[3:24] Suze: The one year stays at 4.45% APY and $4.575,000 or above.
[3:33] Suze: They are now doing a three and a five year
[3:38] Suze: certificate for 5% APY or 5.05% APY for $75,000 or above.
[3:50] Suze: Now if you ask me, those are great, great rates.
[3:57] Suze: Think about it. You could put some money in a
[3:59] Suze: one year, some in a three, some in a five,
[4:02] Suze: you could do it any way that you want now.
[4:06] Suze: A lot of you may be wondering, but Susie, how
[4:08] Suze: does that compare necessarily to a treasury? Well, as I speak,
[4:14] Suze: a one-year treasury is at 4.381. Three-year is at 4.664.
[4:23] Suze: Five-year is 4.727 all under the certificate rates at Alliant. Now,
[4:31] Suze: obviously if you are in a high income tax bracket
[4:35] Suze: for your state, the treasury still may make more sense.
[4:40] Suze: But here's the problem so many of you have no
[4:44] Suze: idea how to buy a treasury.
[4:47] Suze: And a lot of you think you have to do
[4:50] Suze: everything through TreasuryDirect.gov and the problem is TreasuryDirect.gov. A lot
[4:57] Suze: of you are writing me saying you're having a lot
[5:00] Suze: of difficulty. Nobody's answering the phone, you can't get through
[5:05] Suze: to them, you can't make a change, you're having difficulty
[5:08] Suze: getting your money out, and on and on. And a
[5:12] Suze: lot of that is happening, everybody, because of all the cutbacks.
[5:17] Suze: There aren't as many people working there anymore. A lot
[5:21] Suze: of people will still do things through Treasury Direct. You
[5:25] Suze: don't have to buy a Treasury bill, bond or note
[5:28] Suze: through Treasury Direct. You can do it through a brokerage firm.
[5:33] Suze: The only thing you have to do through Treasury Direct
[5:37] Suze: is like a series I bond, which I'll talk more
[5:41] Suze: about next week. Should you do it? Should you not?
[5:45] Suze: So if you don't know how to do a treasury,
[5:49] Suze: then these rates at a lion are great again.
[5:53] Suze: Good only for my peeps, and they know that you
[5:56] Suze: are my peeps when you go to my M Y
[6:00] Suze: A L L I A N T.com.
[6:05] Suze: A note here, because many, many people go to Alliant.com,
[6:12] Suze: not MyAlliant.com. They don't get these rates, so you have
[6:17] Suze: to possibly call in if you already have an account there,
[6:21] Suze: check on it, and do all of that. Now, one
[6:25] Suze: other thing that I want to say.
[6:28] Suze: Many of you have Roth IRAs or you want a
[6:32] Suze: Roth IRA or starting in just two months, you'll be
[6:36] Suze: able to make another contribution for a Roth. And if
[6:41] Suze: in fact you qualify for a Roth IRA or you
[6:45] Suze: have a Roth 401k, 403B or TSP at work, you
[6:50] Suze: are retiring.
[6:51] Suze: Or it's with an old employer and you wanna do
[6:55] Suze: a rollover with it, but you want it safe and sound,
[7:00] Suze: think about it. Alliant Credit Union also has retirement accounts,
[7:07] Suze: so if you opened up or did a rollover to
[7:10] Suze: a Roth IRA.
[7:13] Suze: That could be 4.45 or 4.5% APY or 5 or 5.05%
[7:21] Suze: APY tax free, everybody. Now we're talking about great, great rates,
[7:30] Suze: because in a retirement account, in a Roth retirement account, 5%
[7:36] Suze: beats hands down a treasury because it is tax free
[7:42] Suze: when you go to withdraw it, meaning you've done it correctly,
[7:46] Suze: it's been in there long enough, 59 and a half or older, tax
[7:51] Suze: free is tax free, and guess what, when it goes
[7:54] Suze: to your kids, tax free for them as well. Now
[7:58] Suze: this is an incredible offer, and here's what you really
[8:03] Suze: need to know.
[8:04] Suze: This offer ends November 30th at 11:59 PT Pacific time,
[8:13] Suze: so don't miss it.
[8:16] Suze: Don't miss it. I doubt highly they're going to extend
[8:19] Suze: it again. So the one year, the three year, and
[8:23] Suze: the five year all are extended until November 30th, 11:59 p.m.
[8:30] Suze: Pacific time. You have to go to myalliant A L
[8:35] Suze: L I A N T.com, and after you've done it,
[8:39] Suze: just make a call and make sure they put you
[8:42] Suze: in the correct one.
[8:44] Suze: All right, next.
[8:47] Suze: What scares me right now, the stock market isn't scaring
[8:51] Suze: me at all. What's scaring me is the housing market,
[8:56] Suze: and let me tell you why.
[8:58] Suze: Obviously you know and I know that prices are still high.
[9:04] Suze: And I have many friends who are home builders, and
[9:09] Suze: they're telling me because I talked to them, and they're
[9:12] Suze: telling me, Suze.
[9:13] Suze: We have incredible deals on some of these new homes
[9:16] Suze: that we've built, and we can't get anybody to come
[9:19] Suze: out and even look at them.
[9:22] Suze: That the traffic is as low today as it was
[9:26] Suze: all the way back like in 2012. Now, part of
[9:31] Suze: the reason for that is not just the price of
[9:33] Suze: the house.
[9:35] Suze: But 30-year mortgages are at about 7.24%, up from 6%
[9:42] Suze: going down by the way, before the Iran War.
[9:47] Suze: And when you combine high prices with a high mortgage,
[9:52] Suze: we have problems. How do I know we have problems?
[9:56] Suze: We have problems because in September, almost 15% of all
[10:01] Suze: the pending home sales where people were in contract, they
[10:05] Suze: all fell through. That says to me that all of
[10:09] Suze: you that are trying to sell are having a hard
[10:13] Suze: time selling.
[10:14] Suze: Those of you who want to buy, prices are too high,
[10:18] Suze: mortgages are too high, so you don't know what to do.
[10:22] Suze: And a lot of the reasons that this is happening
[10:25] Suze: is because of tariffs and immigration. Listen to me closely.
[10:30] Suze: The tariffs have made all the building supplies and everything
[10:34] Suze: that you put in a house and everything like that
[10:38] Suze: so expensive. I can't even believe it. We have some
[10:42] Suze: friends that were going to build a house on their
[10:44] Suze: property a year ago. It was like 250,000.
[10:49] Suze: Today it's 350,000 to do the exact same house. Why?
[10:56] Suze: Labor has skyrocketed partly because of immigration.
[11:00] Suze: No matter how you feel about it, don't feel about it.
[11:03] Suze: Just I want you to think about that, what it
[11:05] Suze: also cost you, because many of these people were here legally,
[11:11] Suze: besides the point, and how expensive everything is.
[11:16] Suze: So what are you gonna do about it? As you know,
[11:20] Suze: in the Ultimate Retirement Guide for 50+, I have said
[11:24] Suze: to you, as you are older, you have to make
[11:28] Suze: your money go further, and real estate, when you have
[11:32] Suze: a lot of money locked up in real estate, not
[11:35] Suze: really doing anything, and in fact it's decreasing in value,
[11:40] Suze: it's depreciating, number one, because of inflation. Think about this.
[11:45] Suze: And the longer you hold it, the less you're going
[11:49] Suze: to get for it if prices continue down, and the
[11:53] Suze: longer you're going to be spending money to keep something
[11:56] Suze: that you don't need. Maybe it's time you bring your
[11:59] Suze: price way down, you buy a home outright, because when
[12:04] Suze: it's not a good time to sell, if you don't
[12:08] Suze: need a mortgage, it's a fabulous time to buy.
[12:13] Suze: So, I just want you who are older, you want
[12:16] Suze: to downsize, you've been thinking about it. I want you
[12:20] Suze: to seriously consider it, because people who need to sell,
[12:27] Suze: They're moving, they've lost their job, whatever may be the
[12:30] Suze: perfect place for you. Stock market.
[12:34] Suze: I get very much that these markets went down last week,
[12:38] Suze: but we're still up 10% on the year. How many
[12:41] Suze: times have I said to you, you have to look
[12:43] Suze: at what you have, not at what you had. Your
[12:46] Suze: biggest problem is you look at a stock that was
[12:49] Suze: all the way up at 207. Now it's back down
[12:53] Suze: at 189, and you're so depressed, even though maybe you
[12:56] Suze: bought it at 50. What is wrong with you? You
[13:00] Suze: have got to understand, until you sell.
[13:04] Suze: You cannot think that, oh, look how great you're doing.
[13:08] Suze: You always have to have a plan.
[13:11] Suze: And if your plan is you need the money when
[13:15] Suze: it gets to a certain point, then you have to
[13:17] Suze: sell it. You have to pay taxes, you have to
[13:20] Suze: do certain things unless you're in a Roth, but you
[13:22] Suze: have to make the right decision. But if you don't
[13:26] Suze: need this money, you have five, 10,15, 20 years or longer,
[13:30] Suze: and you are invested properly.
[13:33] Suze: This is not the time to sell. And if anything,
[13:36] Suze: do you remember last week I said to all of you,
[13:39] Suze: do not buy now. Things have come down, but fine,
[13:44] Suze: this is not the time. Give it another week or two.
[13:48] Suze: Let's just see what happens with the election. Let's just see.
[13:52] Suze: And guess what? Oh, certain stocks that I know you
[13:56] Suze: would want to buy are down considerably.
[14:01] Suze: But don't go taking all of the money and put
[14:04] Suze: it all in now because they're down. Dollar cost average.
[14:09] Suze: That means if you have $10,000 12,000 dollars you want
[14:13] Suze: to put in the market, put $1000 each month. Don't
[14:17] Suze: go all in, because I don't know when it's gonna
[14:21] Suze: come back up. Is it gonna come back? I don't know,
[14:24] Suze: nor do you, but I do know one thing.
[14:27] Suze: Quite a few months ago when Iran first started.
[14:32] Suze: Do you remember Keith? We did a webinar. Keith Fitzy,
[14:35] Suze: Fitzy Fitzy came on and said his favorite number one
[14:40] Suze: stock was Chevron. Do you remember him saying that? And
[14:43] Suze: it was about 175, 180 right in there. And a
[14:47] Suze: lot of you, as it went up, you were happy,
[14:50] Suze: you went down, you were upset, whatever it is. Do
[14:53] Suze: you know that stock on Friday was up one and
[14:59] Suze: three quarters percent?
[15:00] Suze: And it closed at $235 and you know it's still
[15:06] Suze: paying a 3% dividend. Think about what it was paying
[15:09] Suze: all the way back then.
[15:12] Suze: So, you need diversification, not a lot of diversification, but
[15:19] Suze: you need diversification in dividend paying stocks, even the Schwab
[15:25] Suze: Fund that we talked to you about, the dividend fund,
[15:28] Suze: it didn't go down on Friday, it went up a
[15:31] Suze: little bit.
[15:33] Suze: So for me at this point in my life, remember
[15:37] Suze: how I said to you, I sold half of my
[15:40] Suze: position because it was huge in IONQ. I didn't sell
[15:44] Suze: the whole thing. I sold half of it when it
[15:47] Suze: was at 45.
[15:49] Suze: What did I do with that money? I put it
[15:52] Suze: in a diversified dividend portfolio that I have that is
[15:58] Suze: actually up last week. It's up 15% this year.
[16:05] Suze: So I want to know as I get older, that
[16:09] Suze: I want the money to generate income for me and
[16:13] Suze: that's why I did that. Now I still have half
[16:17] Suze: in IONQ and I've been doing a strategy called covered
[16:21] Suze: call writing on it that Keith also talks about which
[16:26] Suze: has really reduced my cost basis significantly on it. So
[16:31] Suze: there are things we all need to learn to do
[16:34] Suze: when the market is up.
[16:37] Suze: And when it goes down to protect our money, so
[16:41] Suze: I'll think about doing that in future Suzie schools, but
[16:45] Suze: here is the warning.
[16:47] Suze: If you have time on your side, this is not
[16:49] Suze: the time to sell. Obviously, if you are scared to death, OK,
[16:54] Suze: you sell, I'm telling you, it could go lower, but
[16:57] Suze: eventually it will come back. And if you didn't have
[17:00] Suze: time on your side, this money didn't belong in the
[17:03] Suze: stock market at all. Just know that.
[17:07] Suze: There's nothing wrong with the dividend ETFs we talked to
[17:11] Suze: you about on the webinar, with the REITs we talked about,
[17:15] Suze: with dividend stocks that we've talked about. Might wanna think
[17:20] Suze: about if you have extra money going that route as well.
[17:25] Suze: Last but not least, is I also want to talk
[17:29] Suze: to you about Bitcoin. Now, obviously Bitcoin got hit quite
[17:35] Suze: seriously the other day last week, and the main reason
[17:39] Suze: it got hit was because Binance, which is the largest
[17:44] Suze: Bitcoin exchange in the world, was hacked.
[17:48] Suze: They were hacked to the tune of $6.3 billion. They
[17:55] Suze: are saying that everybody's gonna be covered. Everything's OK.
[18:00] Suze: Now, I've told you that if you own Bitcoin, you
[18:04] Suze: should only own Bitcoin with money you can afford to lose.
[18:08] Suze: I still have faith in it, however, there are dangers
[18:12] Suze: to it, all right, even though I've told you that
[18:16] Suze: Bitcoin will make you more money owning it directly through
[18:20] Suze: an exchange or Coinbase or whatever.
[18:24] Suze: There's also more dangers there, which is why I like
[18:28] Suze: IBIT the exchange traded fund with Black Rock.
[18:33] Suze: Because at least I have not a lot of protection there,
[18:37] Suze: but I don't have my own wallet that can be hacked.
[18:40] Suze: I'm not on an exchange. I'm with somebody that really
[18:44] Suze: I just feel a little safer with now. The main
[18:48] Suze: thing I wanted to bring to your attention is this.
[18:51] Suze: Can you imagine a company, the largest bitcoin exchange in
[18:57] Suze: the world, got hacked? How did they get hacked?
[19:01] Suze: They got hacked because one person got into one of
[19:05] Suze: their employee's computer, or maybe many people did and it
[19:10] Suze: was through that one employee's computer that they were able
[19:14] Suze: to take out $6.3 billion. Now, they were able to
[19:19] Suze: stop $3 billion of it.
[19:22] Suze: And all through blockchains, but still think about that. That
[19:26] Suze: is why I've been telling you that you really have
[19:30] Suze: to have scam protection. Now. I'm not going to tell
[19:35] Suze: you why I'm bringing it up in great detail right now,
[19:39] Suze: but shortly I'm going to announce something that I am
[19:44] Suze: creating with CoverOn.
[19:47] Suze: CoverOn is with NordVPN. They're also the company that brought
[19:52] Suze: out my ultimate scam protection that many of you purchased,
[19:57] Suze: but I'm not sure that is enough any more, believe
[20:01] Suze: it or not. So sometime in November, which we're in,
[20:06] Suze: I will announce to you what CoverOn and I have
[20:11] Suze: come up with and what we're doing.
[20:14] Suze: And why I have created something called Suze's Choice full protection,
[20:22] Suze: but I'll talk to you about that when it is
[20:25] Suze: ready to go.
[20:27] Suze: All right, so before we go, I just want to
[20:31] Suze: say last night was the final of the WNBA, and
[20:36] Suze: truthfully I love watching the WNBA now better than the NBA.
[20:41] Suze: You know I'm a sports nut. I just want to
[20:45] Suze: congratulate the Valkyries. San Francisco, you did it. I can't
[20:51] Suze: believe it. Two years, and you're now winning. Are you
[20:56] Suze: kidding me?
[20:57] Suze: Wow, congratulations, San Francisco. But for all of you women
[21:04] Suze: out there, if you haven't been watching the WNBA, you
[21:09] Suze: gotta start watching. All right, that's about everything that I
[21:15] Suze: want to say to all of you right now. Stick
[21:18] Suze: with it. Don't worry about it.
[21:21] Suze: Again, markets will go up. Markets will go down. You
[21:25] Suze: just have to be invested correctly. So until next week
[21:31] Suze: when KT will join me for ask KT and Suze anything,
[21:36] Suze: there's really only one thing that I want you to
[21:38] Suze: remember when it comes to your money, and it is
[21:41] Suze: this people first, then money, then things, and now you
[21:47] Suze: stay safe.

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