# When Is a Decision Right For You?

An episode of [Suze Orman's Women & Money (And Everyone Smart Enough To Listen)](https://invisiblenetwork.ai/podcast/1439621652), 25 Oct 2026, 25 min.

Audio: https://traffic.omny.fm/d/clips/2df1102a-5761-4c99-b489-aabd0161f8fe/44e0936e-923c-43c7-9e2a-aade00edf4d3/6d352d71-759d-4067-8834-b4ed012f07ba/audio.mp3?utm_source=Podcast&in_playlist=4e05fb00-5a5b-4ed9-b353-aade00edf4dd

On this Suze School, KT and Suze tell a story about their recent trip abroad and why it is so important that when you do what's right for yourself, everybody benefits from it. 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: Welcome everyone to the Women and Money podcast, and everyone
[0:11] KT: smart enough to listen.
[0:13] Suze: What's your name?
[0:13] KT: This is KT.
[0:14] Suze: This is Suze.
[0:16] KT: Listen to her voice.
[0:17] Suze: Do you recognize her voices everybody?
[0:21] KT: No.
[0:21] KT: OK, both of us have pretty froggy voices.
[0:23] Suze: First of all, it's October 25th, and today, before we
[0:26] Suze: even start, is Mike Axler's birthday. KT.
[0:30] KT: Oh, Mike, I wish I could bring you a big
[0:33] KT: key line pie.
[0:34] Suze: Mike is one of the greatest men God ever put
[0:38] Suze: on this earth.
[0:39] KT: We love him.
[0:39] Suze: We love him. So Mike, happy, happy birthday. All right.
[0:44] Suze: Because you gotta always put people first, KT. So today
[0:48] Suze: is the first day in two weeks that I've been
[0:53] Suze: able to talk. I haven't had a voice...
[0:55] KT: And she doesn't sound that great.
[0:57] Suze: I haven't had a voice at all for two weeks,
[1:00] Suze: and I'm like, KT, are we gonna be able to
[1:03] Suze: do a podcast? Am I gonna be able to do
[1:05] Suze: this webinar tomorrow or the next day that I'm supposed
[1:08] Suze: to do? It's like, oh my God, but we have
[1:11] Suze: a story that we want to tell you.
[1:14] Suze: And it's a story about a lesson that I have
[1:18] Suze: been teaching all of you now for so many years,
[1:22] Suze: which is people first, then money, then things, and do
[1:28] Suze: you all remember when I say people first.
[1:32] Suze: I always tell you that means you. Well, I was
[1:36] Suze: put to that test just a few weeks ago.
[1:40] KT: In Istanbul.
[1:42] Suze: Take it away, KT.
[1:43] KT: So Suze and I start this journey and we go
[1:47] KT: from LA to Istanbul, 15 hour flight. We get to
[1:52] KT: Istanbul basically to rest before she was to go on
[1:56] KT: to Kenya in Nairobi.
[1:59] KT: In order to meet and greet and speak to a
[2:03] KT: number of incredible women that she's been teaching for about
[2:07] KT: three years now.
[2:08] Suze: Now, wait, put a pin in that for a second.
[2:10] Suze: The whole purpose for this trip really was to celebrate
[2:15] Suze: the 20th anniversary of the Global Give Back Circle, which
[2:20] Suze: Linda Lockhart, again, the most extraordinary woman you'd ever want
[2:24] Suze: to meet, created 20 years ago.
[2:29] Suze: And she has been working to give back to everybody,
[2:34] Suze: especially in third world countries. Three years ago, Linda and
[2:39] Suze: I got together and we created something called the "Her
[2:44] Suze: Financial Freedom Program," and we started it in West Pocot, Kenya,
[2:51] Suze: with 700 women to teach them about financial freedom.
[2:59] Suze: And we've been doing this, we created a course for them,
[3:03] Suze: all of this, and it worked incredibly.
[3:06] Suze: So from there we decided, oh let's take it through Africa.
[3:12] Suze: So this event in Nairobi was for me to meet
[3:18] Suze: and speak to all the women in Kenya who have
[3:23] Suze: been the mentors to all these women throughout the country
[3:29] Suze: for the Global Give Back circle, and it was a
[3:33] Suze: big event.
[3:34] Suze: Because Suze Orman was coming to Kenya and all of
[3:40] Suze: a sudden their attendance skyrocketed. There was buzz everywhere. CNBC
[3:47] Suze: and everybody was to be there. It was a huge event.
[3:52] Suze: So KT and I thought, all right, let's get on
[3:54] Suze: the same time zone as Kenya because Istanbul happens to
[3:59] Suze: be the same time zone.
[4:02] Suze: So that's why we did that because when I arrived
[4:05] Suze: in Kenya, I would be hitting the ground running. All right, KT.
[4:11] KT: She hit a wall instead. We're in Istanbul. We had
[4:17] KT: the best three days of our life. We loved...
[4:21] Suze: And I, I discovered a donner.
[4:25] KT: A donner. Do you all know what a donner is?
[4:28] Suze: How can you hear them talk to you? This is
[4:29] Suze: a podcast.
[4:30] KT: I know, but I'm asking them a question. I didn't
[4:33] KT: actually know what a donner was. I, I knew what
[4:36] KT: it was, but I didn't know the name Donner. So
[4:39] KT: a donner is a delicious Turkish wrap made with a
[4:43] KT: very thin lavage bread toasted, and it's sliced with, I guess, a, um,
[4:49] KT: a spiced meat.
[4:51] KT: And they slice it and it's served with pickles and
[4:54] KT: lettuce and anyway, this wrap, this little donner is like
[4:59] KT: a snack people have street food. Suze loved it.
[5:03] Suze: My favorite meal there. But anyway, off topic anyway, go
[5:07] Suze: back KT.
[5:08] KT: So we're in Istanbul having the time of our life,
[5:12] KT: loving the harbor, the people, the food, the mezza, everything.
[5:17] KT: Suze has this scratchy throat coming on.
[5:21] KT: And we know that the next day we have to
[5:23] KT: leave to go to Kenya.
[5:25] Suze: So I'm thinking, OK, it'll get better. I'm taking the
[5:28] Suze: little herbs and things I always bring with...
[5:30] KT: Lots of honey.
[5:31] Suze: ...right, but all night long I'm coughing and I'm coughing
[5:35] Suze: and I'm coughing.
[5:37] Suze: And I wake up the next morning and I know
[5:41] Suze: I have to check in because we're leaving at 6:30
[5:45] Suze: that day for Kenya.
[5:48] Suze: And I know I can't disappoint them, and I am
[5:53] Suze: not feeling well at all. I've developed a fever, and
[5:57] Suze: I'm like, oh my God. So I say to KT KT,
[6:01] Suze: what do you think?
[6:03] KT: And I said, Suze, we've come this far you can
[6:06] KT: probably give it a shot maybe we just try. We've
[6:10] KT: got to give it a shot, Susie and she's getting
[6:13] KT: worse and worse.
[6:14] Suze: And of course all we're thinking about at that moment,
[6:18] Suze: oh my God, I can't disappoint them. In my entire career,
[6:25] Suze: I have never missed a talk except once, and that
[6:29] Suze: was because it was a snowstorm and nobody could even
[6:32] Suze: get to the venue that I was supposed to speak at.
[6:36] Suze: So why even go to it? That's the only time
[6:41] Suze: and I'm thinking, oh, Suze, in your past you've performed
[6:45] Suze: in South Africa with 103 fever to 12,000 people.
[6:51] KT: She's done the Suze Orman Show over and over again,
[6:53] KT: really sick.
[6:54] Suze: And I've done QVC one hour of live TV with
[6:58] Suze: horrible vertigo, and I'm like I can do this. I
[7:02] Suze: can do anything.
[7:05] Suze: And then the time is going on, and I go,
[7:07] Suze: all right, we're gonna do it. And I literally check
[7:10] Suze: in online and get our tickets. So now we're all
[7:15] Suze: ready to go, and it's 9:00 a.m. at this point
[7:19] Suze: in time.
[7:21] Suze: And all of a sudden I'm thinking to myself, people first,
[7:26] Suze: meaning you, Suze Orman, then money, then things.
[7:32] Suze: And I decided, Suze, you are 75 years of age.
[7:38] Suze: Doesn't matter what you used to be able to do.
[7:42] Suze: What matters is right now what is the smart thing
[7:47] Suze: for you to do for yourself.
[7:51] Suze: And I made the decision of I'm not going to go.
[7:57] Suze: I can't. It's not wise. I'm going to get sicker,
[8:02] Suze: and I'll probably make everybody else sicker as well.
[8:05] Suze: So I came up with this brilliant idea. That if
[8:10] Suze: we left in two hours from Istanbul and went to
[8:17] Suze: the airport for a 1 p.m. flight, we could make
[8:21] Suze: it back to Florida in time for me to zoom
[8:26] Suze: in at 6 a.m. the next morning. So I picked
[8:31] Suze: up the phone and I called Linda. That was the
[8:34] Suze: hardest phone call I ever had to make.
[8:37] Suze: And I said, Linda, I have to tell you, I
[8:40] Suze: can't do this. And Linda goes, I hear that. I
[8:44] Suze: see that. I can feel that.
[8:46] Suze: Therefore, Let's set up Zoom like you suggested, and we'll
[8:51] Suze: explain it to everybody.
[8:53] Suze: Go on now, KT.
[8:55] KT: OK, so we scramble, we pack, we, we do everything possible.
[9:01] KT: We're in traffic jams. We get out of Istanbul, head
[9:05] KT: to the airport, we make it back on the plane.
[9:08] KT: She takes a 10 hour flight coughing, and I hate
[9:12] KT: to say this, but she really was ill.
[9:17] Suze: Why do you hate to say it?
[9:17] KT: Because I'm sorry if we got people on the plane sick,
[9:20] KT: so that's why I felt bad. She was just beside
[9:24] KT: herself with a fever. We got her home, put her
[9:28] KT: to bed. She wakes up at 4 a.m. KT put
[9:32] KT: my makeup on. I said, What? She said, I have
[9:35] KT: to do this. I said, Suze, you can't even sit.
[9:39] KT: You're gonna faint.
[9:40] KT: Anyway, long story short, we got her makeup on, we
[9:44] KT: put the, the, the studio together, the lights on, cameras,
[9:48] KT: everything's ready. She does a test with Linda's team.
[9:52] KT: Sure enough, she sits there and for two hours gave
[9:58] KT: the most extraordinary, unbelievable, powerful, compelling, compassionate talk I think
[10:07] KT: I have ever heard in years.
[10:10] KT: And here's the thing, people, she didn't cough once, not once.
[10:16] KT: Now here's the clincher soon as it was over.
[10:22] KT: She opens the door, comes out of the studio, and
[10:26] KT: falls into this massive coughing attack and literally almost faints
[10:31] KT: in my arms.
[10:34] Suze: It wasn't that dramatic, KT.
[10:34] KT: We put we put her back to bed.
[10:37] KT: And sure enough, Linda said, Suze, I don't know how
[10:40] KT: you did this, and that's when, people, for the first
[10:43] KT: time I truly believed she was a vessel of God
[10:48] KT: because I don't know how she did two hours with
[10:52] KT: that kind of focus, concentration, and compassion.
[10:56] Suze: But here's the point, everybody, do you know how I
[10:59] Suze: always say everything happens for the best.
[11:04] Suze: Because we zoomed me in... I was actually more powerful
[11:11] Suze: because I was on these huge screens rather than just
[11:15] Suze: me on stage with all these people listening to me.
[11:20] Suze: The talk was even more powerful and do you know
[11:25] Suze: how I posted on the Women and Money Community app
[11:28] Suze: that I had gone from one standing ovation in LA
[11:32] Suze: to a standing ovation in Nairobi. If you look at
[11:37] Suze: that picture, you'll notice that you don't see me because
[11:41] Suze: I saw them standing for me.
[11:45] Suze: Right, and they were obviously facing the screen because I
[11:50] Suze: didn't want all of you at that point to know
[11:52] Suze: that I was sick. We were being protective of everybody,
[11:56] Suze: believe it or not, as to what happened to us.
[11:59] Suze: But here we are, and it was so powerful.
[12:05] Suze: After it was over, a few hours later, Linda wrote
[12:09] Suze: me and she said, there are no words. Everybody said, Suze,
[12:13] Suze: you were absolutely in that room with us, that they
[12:19] Suze: had never experienced anything like that in their lives.
[12:25] Suze: So we made the absolute best choice, not only for
[12:29] Suze: me and KT obviously, but for them as well. Next,
[12:35] Suze: we were supposed to go from Nairobi to Paris.
[12:41] Suze: The problem was if we had done that we would
[12:45] Suze: have been caught in all of the riots that are
[12:48] Suze: going on in France and that are still going on.
[12:54] Suze: So the decision that we made to put ourselves first
[13:00] Suze: because of our health, not because we didn't want to go,
[13:03] Suze: I wanted to go more than you have any idea.
[13:07] Suze: But because we did that.
[13:11] Suze: It turned out better for everybody in Nairobi. It turned
[13:15] Suze: out better for me and KT because we avoided all
[13:19] Suze: of the things going on in France.
[13:23] Suze: And then we came home and guess who I got sick?
[13:27] KT: KT. KT was actually in great shape until we got
[13:32] KT: back here to South Florida and I got really, really sick,
[13:37] KT: but we both were recovered. We're recovering.
[13:40] Suze: KT's doing far better than me.
[13:41] KT: I'm doing much better. Suze takes a little bit longer,
[13:44] KT: but we're both um on the mend. We have lots
[13:47] KT: of homemade chicken soup that I did and all kinds
[13:51] KT: of healthy things. It gave Suze an incredible amount of
[13:54] KT: time in her silence to be communicating and writing back
[13:58] KT: and forth with Linda, with the women, the reactions.
[14:03] KT: Um, she even wrote another course while she was recovering.
[14:06] Suze: For the women there.
[14:07] KT: So everything turned out even better than what we had expected,
[14:14] KT: but we put ourselves first, people first.
[14:17] Suze: Now the reason that we told you this story is
[14:21] Suze: that when you do what's right for yourself, when you
[14:27] Suze: do what's really right for yourself.
[14:31] Suze: Everybody else benefits from it when you do something that
[14:36] Suze: isn't right for yourself. Other people don't benefit. You may
[14:42] Suze: think that they will, but in the long run, I
[14:45] Suze: don't think that's true. That's part of the Suze school today.
[14:52] Suze: I just really wanna also talk to you a little
[14:55] Suze: bit about the markets because I know a lot of
[14:58] Suze: you are seriously freaked out as to oh my God
[15:03] Suze: they were horrible last week. AI crashed. It's going down
[15:08] Suze: and all of you are absolutely afraid again. Here's what
[15:12] Suze: I want to remind you. How many times have I
[15:16] Suze: told you that the market doesn't like inconsistency? It doesn't
[15:22] Suze: like not knowing what's going to happen.
[15:25] Suze: We have essentially one week left until the elections.
[15:29] Suze: Have you ever seen more inconsistency in your life? We're
[15:34] Suze: still going back and forth with Iran, Ukraine. All these
[15:39] Suze: things are still happening out there. Climate.
[15:45] Suze: I think climate is the biggest danger of all right
[15:48] Suze: now if you want to know the truth. It doesn't
[15:52] Suze: matter where you are, whether you're in Arizona, you get
[15:55] Suze: hit by a tornado that never comes to Arizona, South Carolina, Utah, everywhere,
[16:03] Suze: even here in Florida, we're being warned of be careful
[16:07] Suze: of the coastal flooding.
[16:09] Suze: We have all these inconsistencies. Now why am I telling
[16:14] Suze: you that?
[16:16] Suze: Maybe just slow down here. Let's see what's going to happen.
[16:21] Suze: Just let's see. You don't have to think, Oh, the
[16:25] Suze: markets went down. I have to dollar cost average. Now
[16:28] Suze: is the time. No, you don't always have to do something.
[16:34] Suze: Now, I get that it's your optimistic attitude that many
[16:38] Suze: of you want to feel like, oh, the market's gonna
[16:41] Suze: go up, up, up, and we're gonna be OK, and
[16:44] Suze: for some of you, it's your pessimistic attitude that the
[16:47] Suze: markets are gonna go down, down, down.
[16:52] Suze: You have to decide what's right for you. I personally
[16:56] Suze: am just holding to see what is going to go
[17:01] Suze: on with the elections. Is violence going to erupt? There's
[17:05] Suze: nothing wrong with just being patient. But here's one thing
[17:10] Suze: I just want to point out to you. Even though
[17:14] Suze: the Dow and everything was down for the week, do
[17:17] Suze: you know, that if you look at the market for
[17:21] Suze: this entire year, that the Dow Jones Industrial Average is
[17:26] Suze: still up approximately 9%.
[17:29] Suze: The Standard and Poor's 500 is still up more than 11%,
[17:34] Suze: and the NASDAQ, where all your tech stocks are, is
[17:37] Suze: up almost 12%, and the Russell 2000 for small stocks
[17:43] Suze: is up almost 12% as well. So if you looked
[17:48] Suze: at the past 20 days since KT and I were gone,
[17:51] Suze: you might think, oh my God, the market is doing terribly.
[17:55] Suze: But here's the thing, markets are not made in 20 days.
[18:01] Suze: They're not made in the past 10 months. Markets are
[18:06] Suze: made over 10 and 20 years, which is why I
[18:11] Suze: always say to you, you need at least 5 or
[18:15] Suze: 10 years till you need this money to be invested
[18:20] Suze: in the stock markets now things are obviously changing with
[18:24] Suze: these markets in my opinion.
[18:26] Suze: Next week I will do a Suze school just on
[18:30] Suze: the markets. However, for now, I just want you to
[18:35] Suze: be patient and let's just see what happens on November 3rd,
[18:40] Suze: what's happening with Iran, what's happening all over the place, all right?
[18:44] Suze: Now, inconsistency.
[18:49] KT: Many of you want a consistent return on your money.
[18:55] Suze: And many of you wrote in and asked KT and I, please, Suze,
[19:02] Suze: can you ask Alliant to extend the deadline of that
[19:08] Suze: one year certificate that's currently offering 4.45 APY for amounts
[19:16] Suze: under $75,000, minimum obviously is $1,000. Or 4.5 APY for
[19:24] Suze: $75,000 or above.
[19:27] Suze: Now if you look at the one year treasury, these
[19:32] Suze: rates are actually above right now a one year treasury, everybody.
[19:39] Suze: But this offer, because it was so great, was set
[19:43] Suze: to expire October 31st, and you were like, please can
[19:48] Suze: you ask them, will they extend it?
[19:52] Suze: And guess what?
[19:54] Suze: They said, All right, Suze, just for your people again,
[19:58] Suze: because this is only for the people who are listening
[20:01] Suze: to this, if you go to Alliant, just not going
[20:05] Suze: through MyAlliant.com, you just go to their normal website, you're
[20:10] Suze: not gonna see this offer.
[20:12] Suze: So you have to get this offer, by the way,
[20:15] Suze: by going to MyAlliant... A L L I A N T.com.
[20:21] Suze: Even if you are a current customer, you have to
[20:25] Suze: go through that portal or you're not gonna get that
[20:29] Suze: interest rate.
[20:30] KT: But, they did extend it for all of you, and
[20:35] KT: the new deadline now is November 30th, 2026 at 11:59 p.m.
[20:44] KT: Central Time.
[20:46] Suze: Because a lot of you were like, Suze, I have
[20:48] Suze: another certificate coming due like in a few weeks or whatever, please,
[20:53] Suze: and I want to take advantage of this. So it
[20:56] Suze: has been extended. Many of you have loved it. It
[21:00] Suze: has been received with incredible popularity.
[21:04] Suze: However, I want you to listen to me. You have
[21:08] Suze: got to tune in next week's podcast.
[21:13] Suze: Because a lot of you have also asked me for Suze,
[21:18] Suze: one year is great. What else can Alliant give us
[21:23] Suze: that maybe locks in our money a little bit more?
[21:27] Suze: Well, I went back to them again, and we have
[21:31] Suze: created something for you that I personally think you are
[21:35] Suze: going to love that I'm calling a TLC for you.
[21:41] Suze: All right, so you'll have to, you'll, you'll like this,
[21:44] Suze: I promise you.
[21:46] Suze: So make sure you listen next Sunday when I will
[21:50] Suze: be announcing it number one. Number two, it again, will only be
[21:56] Suze: available to those of you on this podcast, or for
[22:01] Suze: those of you who you tell about it.
[22:05] Suze: But it will not be available to any of Alliant's
[22:08] Suze: other customers who don't know about this podcast.
[22:14] KT: MyAlliant.com.
[22:16] Suze: How do you spell it, KT?
[22:17] KT: M Y A L L I A N T dot com. Myalliant.com.
[22:25] Suze: So again. You have now 'till November 30th, 2026 to
[22:32] Suze: take advantage of the one year certificate.
[22:36] Suze: And if you want to just wait until next Sunday
[22:39] Suze: and hear what else they will be offering you, I
[22:43] Suze: don't have a problem with that either. All right, KT...
[22:47] Suze: I did it.
[22:49] KT: Not too many coughs.
[22:51] Suze: No, but really tell them this first time you've heard
[22:54] Suze: my voice in two weeks...
[22:55] KT: Well, we've been sign language, typing, writing notes, everything, so that, well,
[23:02] KT: she didn't have a voice, nothing came out, no sound.
[23:05] Suze: And Fitzy and Norico, if you're listening to this, it's
[23:09] Suze: been so hard for you too, I know, because we
[23:11] Suze: usually talk every day, and all I'm doing is sending
[23:14] Suze: you little hearts, right? And Keith writes me back and
[23:18] Suze: he says, I miss our conversations, and I'm like, I'm talking, Keith,
[23:23] Suze: but I couldn't even tell him that because I wasn't
[23:25] Suze: allowed to talk on the phone, to do anything, and
[23:29] Suze: I think it paid off, right?
[23:31] KT: It did. I mean she sounds a little deep, a
[23:33] KT: little bit raspy, but it's coming back.
[23:37] Suze: There we go. All right, so until next Sunday, when
[23:41] Suze: we have a great, great offering for you.
[23:44] KT: A treat, no trick. A big treat.
[23:46] Suze: It's, I think I'm considering it a seriously a big treat.
[23:51] Suze: But until then, and I hope this podcast really brought
[23:56] Suze: home how we end every podcast, which is:
[24:01] KT: People first.
[24:02] Suze: That means you.
[24:04] KT: Then money, then things.
[24:06] Suze: Now you stay safe...
[24:08] KT: And healthy.
[24:09] Suze: Please. All right, bye bye.
[24:11] KT: Bye bye.

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