# Are You Crazy? Are You Crazy? Are You Crazy?

An episode of [Suze Orman's Women & Money (And Everyone Smart Enough To Listen)](https://invisiblenetwork.ai/podcast/1439621652), 27 Aug 2026, 33 min.

Audio: https://traffic.omny.fm/d/clips/2df1102a-5761-4c99-b489-aabd0161f8fe/44e0936e-923c-43c7-9e2a-aade00edf4d3/dec74df6-5add-4242-b095-b4b3000b7665/audio.mp3?utm_source=Podcast&in_playlist=4e05fb00-5a5b-4ed9-b353-aade00edf4dd

For this all new Ask KT & Suze Anything, Suze and KT talk about an email they received from a woman who feels that she let her boyfriend down by not going "all-in" on a particular stock. Who was correct? Plus, KT and Suze share a special Dolly Parton memory. 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

[0:09] Suze: Surprise everybody. This is not a best of. This is live.
[0:16] Suze: This is us. We're here.
[0:17] KT: KT and Suze live in the house.
[0:19] Suze: And it's August 27th, 2026. And why did we decide
[0:25] Suze: to come and do a podcast today when normally for
[0:29] Suze: the summer schedule, and who knows how long that summer
[0:33] Suze: schedule may last because we're having a great time, everybody.
[0:36] Suze: We wanted to come to you because how could we not,
[0:40] Suze: given what happened two days ago.
[0:44] KT: Yeah, we have to honor our royalty, American royalty.
[0:49] Suze: Yeah, Dolly Parton. Oh my God, everybody, how sad were
[0:53] Suze: you when you originally heard the news. I wanted to cry.
[0:57] Suze: I think everybody wanted to cry.
[0:58] KT: I did cry. I was shocked actually, Suze.
[1:02] KT: Because I knew when her sisters talked about she wasn't
[1:05] KT: well and then she had to cancel her show in Vegas,
[1:09] KT: she canceled a...
[1:10] Suze: Yeah, many things in her last ride...
[1:12] KT: But then she came on air and told everyone, Don't worry,
[1:14] KT: I'm dealing with a couple little issues.
[1:17] Suze: When do you think she taped that? I think she
[1:18] Suze: taped that far before. She really...
[1:22] KT: You do?
[1:22] Suze: Yeah, I do.
[1:23] KT: And then all of a sudden she's radio silent and
[1:26] KT: then her nephew just stands up and tells the world
[1:29] KT: that she's gone.
[1:31] Suze: Yeah, but they had pre-recorded that as well as if
[1:34] Suze: they knew because she died, as you know, everybody at
[1:37] Suze: the hospital, and now they're saying with a brief bout
[1:41] Suze: of cancer, whatever the reason.
[1:45] Suze: The greatest thing of all about Dolly.
[1:50] Suze: She was a real doll. She was a doll that
[1:54] Suze: everybody loved. There was never one person in this entire world.
[2:01] Suze: That didn't love her, you know, nobody.
[2:04] KT: A lot of the interviews I listened to all day
[2:08] KT: on the 25th when she passed, one of the interviews
[2:12] KT: I found most fascinating was a single question, and it
[2:15] KT: was to a panel of people there and I think on,
[2:19] KT: on MSNnow or CNN, one of the shows we listened,
[2:22] KT: and they said, Have you ever heard anyone say anything
[2:27] KT: negative about Dolly Parton and they all stopped and they
[2:33] KT: said no, never men and women, men and women loved her.
[2:38] KT: Everyone loved her.
[2:39] Suze: Right. And for me, I'm happy that she's resting in
[2:43] Suze: peace now because obviously she suffered quite a bit over
[2:46] Suze: this time.
[2:48] KT: She missed her husband.
[2:48] Suze: It was only like a year after he died, I think,
[2:51] Suze: wasn't it?
[2:52] KT: Not too far apart.
[2:53] Suze: Yeah, so I'm sure she's happy that she joined him.
[2:57] Suze: But tell everybody about our experience with Dolly.
[3:00] KT: Oh, we were so, we, we had Suze and I
[3:03] KT: had a lot of fun with the Suze Orman Show
[3:05] KT: and being in New York, and Suze Orman was a
[3:08] KT: very frequent guest on the Today Show, as was Dolly,
[3:13] KT: and we would run into her and on one Friday
[3:16] KT: she was singing. We ran into her in the green room.
[3:20] KT: And I said, Dolly, can you do me a favor?
[3:23] KT: Can you say happy birthday to my friend Grover? He's
[3:26] KT: a Tennessee man. He would love to hear from his
[3:30] KT: Tennessee gal. He's not feeling well and it's his birthday.
[3:34] KT: She said, Sure, honey. What's his name? I said, Grover. Well,
[3:38] KT: of course it's Grover, and she whispered and said, Grover,
[3:43] KT: happy birthday. It's Dolly here, and I have to whisper
[3:47] KT: because we're on air live, and she just gave out
[3:51] KT: the biggest smile and hug and then, of course, saw
[3:55] KT: Suze and they did all their little love, love fest
[3:58] KT: photos together, but we enjoyed that moment and Grover...
[4:04] KT: To this day I'm sure now is just listening to
[4:08] KT: that message over and over again.
[4:10] Suze: And the reason she's sure now, is that when Grover
[4:15] Suze: got that message, he had just been admitted that day
[4:18] Suze: actually into the hospital with serious cancer, and nobody knew
[4:24] Suze: would Grover make it, would he not?
[4:26] KT: He made it with flying colors.
[4:28] Suze: Oh he made it. And so what did KT do
[4:31] Suze: the day that Dolly died? She sent that video to
[4:35] Suze: him to remind him...
[4:37] KT: How lucky he was.
[4:39] Suze: So no doubt, KT, he absolutely...
[4:43] KT: What was her, what was, what was the most favorite
[4:46] KT: song for you, Suze, that she sang?
[4:50] Suze: Oh boy, um, it's the one she wrote for her husband.
[4:55] Suze: Do you remember?
[4:57] KT: And then Whitney Houston...
[4:59] Suze: Because I...
[4:59] KT: Always, yeah, yeah, (KT sings a bit)
[5:03] Suze: Don't ruin it for people now. Don't ruin it for them. But,
[5:07] Suze: but I always thought of you when I heard that.
[5:11] KT: Me?
[5:11] Suze: Well, who else would I think about?
[5:13] KT: What a great song.
[5:15] Suze: Of course it was you, KT. So, but anyway, so Dolly,
[5:22] Suze: we hope wherever you are...
[5:25] KT: You're having a party and you're singing your heart out.
[5:28] Suze: You betcha.
[5:29] Suze: And all. All right. Next, tell everybody where we were just days ago.
[5:34] KT: We were back to New York now. Suze and I were
[5:37] KT: in New York last weekend, and we had a blast
[5:42] KT: first time for both of us at the Barclays Arena
[5:45] KT: in Brooklyn.
[5:46] KT: We had so much fun. I had never been to
[5:50] KT: a WNBA game. Have you, Suze?
[5:54] Suze: You know, I haven't.
[5:55] KT: Not with me, but have you ever?
[5:57] Suze: KT? No.
[5:58] KT: OK, so this was a really big night for us.
[6:01] KT: It's a Saturday night. We're in New York. It's summer.
[6:05] KT: We are so happy to be with our pals Cathy
[6:08] KT: and Hope having the best night. We get there and
[6:12] KT: Suze's pal, Karen Finnerman, Karen, I'm gonna give you a big, big,
[6:16] KT: I love love fest shout out.
[6:19] Suze: You can watch her, by the way, she's always on
[6:21] Suze: Fast Money and has been for years on CNBC.
[6:24] KT: Can I tell them? Karen is one of the owners
[6:26] KT: of Liberty.
[6:27] Suze: Yeah and the WNBA, by the way, KT.
[6:30] KT: Karen invited us, all four of us, to join her
[6:34] KT: and her family and some of her guests for dinner
[6:37] KT: at the Crown Club, which is in the Barclays Center.
[6:40] KT: We loved it. Wait, so we walk in and this woman,
[6:46] KT: blonde woman, very suntanned, looks and beelines to Suze Orman
[6:51] KT: and says, You are sitting next to me, and that
[6:54] KT: woman was another one of my heroes, Diana Nyad. And
[7:00] KT: for those of you that don't remember, and you should,
[7:03] KT: she is a legend mermaid in my opinion.
[7:07] KT: She's the woman that swam after a number of attempts
[7:12] KT: from Cuba to Key West, and she, they made a movie.
[7:16] KT: There was a great movie. I, I don't remember the
[7:18] KT: name of the movie, but a great...
[7:20] Suze: Diana Nyad, but anyway go on.
[7:21] KT: Was that the name of the movie?
[7:21] Suze: I think so.
[7:23] KT: They made a film, um, about her with, uh, Annette
[7:27] KT: Bening and Jodie Foster, and the woman that played that
[7:31] KT: Jodie Foster played Bonnie, who was Diana's kind of best
[7:35] KT: friend and coach throughout that was there, she was there
[7:38] KT: for dinner, so we had a great night.
[7:41] Suze: Tell them about the other woman.
[7:41] KT: There was one more guest there named Candace, a friend
[7:45] KT: of Diana's, also at the table, looked at Suze and said,
[7:49] KT: Have I got a story for you?
[7:52] KT: She said, Suze Orman, I first laid eyes on you
[7:56] KT: at the Buttercup Bakery back in the day when you
[8:00] KT: were a waitress and I had a crush on you.
[8:04] KT: And I would go there with my girlfriends and say,
[8:07] KT: I hope that blonde waitress serves our table.
[8:11] KT: And she said, I went many times for breakfast just
[8:14] KT: looking for you.
[8:15] Suze: But tell them my highlight.
[8:18] KT: Well, wait, then I had a bigger highlight than Suze's.
[8:21] KT: So Karen looks at me, says, KT, on your way
[8:23] KT: in to watch the, the warm up because we had
[8:27] KT: VIP seats on your way in,
[8:29] KT: don't miss the candy room, I said. The what? she said,
[8:33] KT: there's a candy room, and you get to pick all
[8:36] KT: the candy and popcorn you want, bring it to your seat,
[8:40] KT: and have a blast. So we...
[8:42] Suze: So I'm looking for KT. I'm looking all over for her.
[8:46] KT: It's like almost game time.
[8:47] Suze: It's the time for the game to start.
[8:50] Suze: Where is KT? Nobody can find her. All of a sudden, everybody,
[8:54] Suze: she comes walking out with an armful of candy, Good
[8:59] Suze: and Plenty, Nestle's Crunch, popcorn, M&Ms. Really, she couldn't hold
[9:06] Suze: anything else in her arms. I go, and we don't
[9:09] Suze: eat sugar. Got that?
[9:10] Suze: Well we did that night, but, and I go, are
[9:13] Suze: you crazy? So anyway, so then we head into the arena.
[9:19] KT: We go in and to our surprise, something happened that
[9:24] KT: none of us, none of us expected.
[9:27] Suze: Especially me.
[9:28] KT: And it wasn't my arm full of candy.
[9:31] KT: So Suze walks in with Cathy and Hope before me
[9:34] KT: and I'm struggling holding all the treats and all of
[9:37] KT: a sudden the whole section on the right side of
[9:42] KT: the arena burst into cheers and applause.
[9:48] KT: Not for the players, not for the team, not even
[9:52] KT: for Caitlin Clark, but for Suze Orman. Oh my God.
[9:58] KT: They were screaming, Suze, Suze, and in typical New York style,
[10:04] KT: they just rushed her, the fans, Suze fans from back
[10:09] KT: in the day, wanting pictures, autographs, and to tell her
[10:15] KT: how they listened to her and made a ton of money.
[10:19] Suze: Right, a ton of money. One woman...
[10:22] KT: What a night we had.
[10:23] Suze: One woman leaned over and said, Because of you, I
[10:24] Suze: have 1.5, and I said, 1.5 million? She said, Well,
[10:29] Suze: of course, Suze, what else would I be telling you about?
[10:32] Suze: It was fabulous.
[10:33] KT: It was fabulous. It was fun, fun, fun.
[10:35] Suze: Right? But I have to make an announcement, KT. I
[10:39] Suze: wore a jacket that night that was...
[10:42] KT: Wait, they have to look at the photos. Did you post them?
[10:44] Suze: Of course I posted them. All right, you can do
[10:47] Suze: it on the Women and Money app, see it, or
[10:49] Suze: on Instagram, however.
[10:51] Suze: I wore a jacket that said on the back of it,
[10:54] Suze: 'All You Need is Love,' and I wore that for
[10:57] Suze: a reason because I want the women to stop fighting.
[11:00] Suze: I can't stand it anymore. Stop being cruel to each other,
[11:04] Suze: being rough with each other. Understand that you have a
[11:08] Suze: great thing going now. Don't ruin it. And all of
[11:14] Suze: you sent me so many emails saying, where'd you get
[11:17] Suze: that jacket? I want that jacket. I love that jacket, jacket, jacket, jacket,
[11:22] Suze: and then I told a few of you, I got
[11:25] Suze: it online, at a place called Elan, E L A N,
[11:30] Suze: just a few of you, and then all of a
[11:32] Suze: sudden I realized, uh oh, and I went on Elan's site.
[11:36] Suze: It was only $67 by the way, not that that's only,
[11:40] Suze: but it wasn't like an expensive, expensive jacket, and now
[11:43] Suze: they're almost all sold out.
[11:45] Suze: So anyway...
[11:47] KT: (KT and Suze sing a little bit)
[11:47] Suze: All right, now, KT, we have now wasted, maybe wasted,
[11:54] Suze: but maybe not
[11:55] KT: No wasting. We're sharing...
[11:56] Suze: We're entertaining...
[11:58] KT: ... our fun stories.
[11:59] Suze: All right, because maybe you missed us and you missed
[12:01] Suze: our stories and what have we been doing. And now you know.
[12:04] KT: There's also some good advice you have to share with
[12:08] KT: everyone about Alliant.
[12:09] Suze: Oh, so, oh, listen to me.
[12:12] Suze: My Alliant.com. Write it down. My Alliant A L L
[12:18] Suze: I A N T.com. They have come out with a
[12:23] Suze: 12-month certificate for 4.10 APY and for amounts, by the
[12:31] Suze: way of $75,000 or more, 4.15 APY. Now the reason
[12:38] Suze: that I'm stressing this right now is that is one
[12:41] Suze: of the highest rates out there at this point in time.
[12:46] Suze: There's a few that have a little bit higher, but
[12:50] Suze: there's some catch to it. There's one that's higher, but
[12:53] Suze: it's for 14 months. But remember, with the Alliant Credit
[12:58] Suze: Union certificate...
[13:00] Suze: For 12 months, it could be for 12, 13, 14, 15, 16,
[13:07] Suze: or 17. So if you wanted to, because the minimum
[13:11] Suze: needed is $1,000 that's all you could stage it all
[13:16] Suze: the way for 12 months, 13 months, 14 months, and
[13:19] Suze: lock in that rate. Or you could just go to
[13:22] Suze: 17 months and lock in that rate for that period
[13:26] Suze: of time or just do the 12 month or whatever
[13:30] Suze: you want. That is a great, great rate. It is
[13:35] Suze: above the 12 month treasury right now, which makes it,
[13:39] Suze: no matter kind of what state you're in, OK to
[13:42] Suze: do it. Again, it is insured by NCUA. I am
[13:47] Suze: telling you, finally, and I have to say finally because
[13:50] Suze: it's been a while, sorry, Alliant, but it's true.
[13:53] Suze: It has been a while since you have offered a
[13:57] Suze: rate that is so competitive that it got me excited,
[14:01] Suze: and that is why I'm talking about it now. I
[14:04] Suze: don't know how long they're going to keep it in there.
[14:07] KT: Just do it.
[14:08] Suze: So, if you're looking to lock in a higher rate,
[14:12] Suze: if you have money that's in a bank account at
[14:15] Suze: like 0.5% or something, go to myalliant.com and now finally
[14:23] Suze: put your money, if you want to, in the twelve-month certificate.
[14:29] Suze: Just that simple. 4.10 APY - 75,000 or above, 4.15. All right,
[14:38] Suze: what do you got, KT?
[14:40] KT: So I have only one letter that I want to
[14:44] KT: discuss today.
[14:46] KT: Today's our kind of bonus pop-up day. I know how
[14:50] KT: I feel, but I don't know how she feels.
[14:52] Suze: And I want all of you to think about how
[14:55] Suze: you would feel if you were in this situation, because
[14:59] Suze: this is not the only letter that we get like this.
[15:02] Suze: All right, go on, KT.
[15:03] KT: OK, so this is, um, again about a breakup. It said,
[15:07] KT: Dear Suze and KT,
[15:09] KT: My boyfriend and I were together for a little over
[15:12] KT: 11 years. Over the last few years, he's been telling
[15:16] KT: me to go all in on Moderna stock by putting
[15:20] KT: everything I have in that stock. I am 44 years
[15:24] KT: old and I've been saving and investing since my early twenties.
[15:29] KT: I have a 401k, a Roth IRA, a traditional IRA,
[15:35] KT: a pension plan, and I have investments that have enabled
[15:40] KT: me to have almost $2 million in savings and investments.
[15:46] KT: I own my car, Suze, it's 13 years old and
[15:49] KT: I still love it.
[15:51] KT: I bought my first home for cash and sold it
[15:54] KT: at a profit a few years later, and now I've
[15:57] KT: been living with my mother, I've been working so hard
[16:00] KT: to make wise investments and build a fund where I
[16:03] KT: can buy a nice home in cash for my boyfriend
[16:06] KT: and I to live and build our life together. We
[16:10] KT: have had a tumultuous relationship and have been on and
[16:13] KT: off all these years. He's 12 years older than me
[16:18] KT: and doesn't have much money or savings.
[16:21] KT: So Suze, he's 56 right now. Ready? Listen to this, everyone.
[16:26] KT: So she said he keeps thin margins. He says he's
[16:30] KT: an entrepreneur that buys and sells internet domains for a living,
[16:34] KT: and he's great at it. Moderna stock has been not
[16:38] KT: for the faint of heart through the years. I have
[16:42] KT: bought shares and then lost quite a bit.
[16:46] KT: Then my boyfriend wanted to options trade and try to
[16:50] KT: make money that way on the stock, and we lost
[16:54] KT: everything we bet. I finally sold all the Moderna stock
[16:58] KT: I owned and invested in stocks that I thought were
[17:02] KT: wiser and that have consistently performed well for me throughout
[17:06] KT: the years.
[17:07] KT: I have an Alliant savings account per your advice, and
[17:11] KT: I've been focused on ensuring I have the money to
[17:14] KT: buy a home and have savings for emergencies. So when
[17:19] KT: Moderna stock went up significantly last Wednesday, August 19th, due
[17:25] KT: to the successful cancer trial, my boyfriend was furious with me.
[17:33] KT: I can't believe this. He kept pressuring me to invest
[17:37] KT: everything I could immediately to try to earn whatever I
[17:41] KT: could in the upswing that day, but Suze, I didn't
[17:45] KT: have any money to invest in that, and I failed
[17:48] KT: my boyfriend.
[17:51] KT: I, oh my goodness, wait, listen to this, everyone. All right,
[17:54] KT: I know how Suze and I both feel about him,
[17:57] KT: but listen to this. Ultimately he broke up with me.
[18:01] Suze: Thank God.
[18:02] KT: Wait, because that was our opportunity to buy one or
[18:06] KT: two homes anywhere we wanted, and I messed up. I
[18:10] KT: failed him. I made the biggest mistake by not listening
[18:14] KT: to him through the years, and I'll never be able
[18:18] KT: to make this right.
[18:20] KT: I feel so much shame. I feel stupid. I can't
[18:24] KT: fix this. I have tried to make wise decisions with
[18:28] KT: my money all these years, and I ultimately missed out
[18:32] KT: on the biggest opportunity by not at least keeping some
[18:37] KT: Moderna stock when it was $22 a share. I could
[18:42] KT: have put money towards that and kept the faith. Instead,
[18:46] KT: I failed.
[18:48] KT: Oh, I am not a big risk taker, and I
[18:51] KT: think things through before I act. Suze, so how can
[18:56] KT: I take more risk in the stock market and be
[18:59] KT: comfortable with it? How do I balance smart money moves
[19:03] KT: and the feelings and well-being of my partner? Well, not
[19:08] KT: my partner any more. And then it signs sincerely, filled
[19:13] KT: with shame and heartbreak.
[19:16] KT: I can't believe that we got this email, Suze.
[19:19] Suze: We just got it. Look at the date on it.
[19:22] KT: 24th.
[19:23] Suze: We just got this. Just got this.
[19:24] KT: And that's why we're actually also doing this...
[19:27] Suze: Podcast because of this one email that, that I read.
[19:32] Suze: KT read. So do you wanna go first or you
[19:36] Suze: want me to?
[19:37] KT: I want you to tell, tell everyone, how do you? I,
[19:40] KT: they know how I feel. How do you feel?
[19:43] Suze: Listen to me, the greatest investment that you can ever
[19:50] Suze: make ever, is to have faith in yourself and to
[19:55] Suze: trust yourself more than you trust others, and you did
[20:00] Suze: exactly that.
[20:02] Suze: Why do I have a feeling this loser boyfriend of yours,
[20:07] Suze: and in my opinion, a total loser, he sells internet
[20:11] Suze: and he's good at it. The names of really, are
[20:14] Suze: you kidding me? And in the meantime you have almost
[20:18] Suze: $2 million. You have retirement accounts, you have a pension, savings, investments.
[20:23] Suze: No car payment and enough money to potentially buy a
[20:26] Suze: home for cash. Are you crazy? You did not fail him, girlfriend.
[20:33] Suze: He failed you. Listen, your boyfriend wanted you to gamble
[20:39] Suze: everything you had on one biotechnology stock. Are you crazy?
[20:44] Suze: That is not investing. Listen to me closely. That is
[20:48] Suze: reckless speculation.
[20:50] Suze: You already followed him into the options trading. What about that?
[20:56] Suze: You followed him. You did what he said and you
[20:58] Suze: lost everything. That was your warning that he didn't know
[21:02] Suze: his ass from a hole in the ground. Do you
[21:05] Suze: hear me? We both owned that stock when the COVID happened,
[21:12] Suze: when they had the vaccine for it and everything, and
[21:15] Suze: it went up and then it went down, and guess what?
[21:18] Suze: I sold it just like you did.
[21:21] Suze: You think I'm a loser? You think I missed the
[21:24] Suze: biggest investment opportunity of my life? In the meantime, yeah, sure.
[21:30] Suze: On that day it went up 180% on the 19th,
[21:36] Suze: went as high as 174, where he probably would have
[21:41] Suze: had you buy in. It's now around 147 and who
[21:46] Suze: knew that a trial was going to be successful? Do
[21:49] Suze: you know how many stocks come out and they go
[21:52] Suze: for trial and it doesn't happen? Are you crazy? Remember,
[21:58] Suze: nobody knew what that result was gonna be. And once
[22:01] Suze: that news went public, like I said, that stock exploded.
[22:06] Suze: And that's when you never want to chase it.
[22:09] KT: It's a should have, could have, would have story, and
[22:11] KT: quite honestly, she's blessed that he broke up with her
[22:17] KT: and lucky you, lucky you to get rid of this
[22:21] KT: loser on every level. You know what made me the
[22:24] KT: most upset? Not the Moderna. Wanna hear it?
[22:28] KT: What has he contributed to your future home together? Nowhere
[22:34] KT: in this email is there a mention of his contribution
[22:39] KT: at all.
[22:41] Suze: But here's, here's what I didn't hear.
[22:43] Suze: Nowhere in this letter did he say to her, I
[22:47] Suze: invested in Moderna. I did it. I put everything I
[22:52] Suze: had into it. He, why didn't he, if he was
[22:56] Suze: so certain, why didn't he build his own savings and
[23:00] Suze: invest his own money?
[23:01] KT: Or why didn't he get money from his assets, if
[23:05] KT: he has any, to put in if he was that
[23:08] KT: hell bent, sure that it would work.
[23:11] Suze: Why didn't he and why KT did did his dream
[23:15] Suze: of owning one or two homes depend upon risking everything
[23:21] Suze: that she had worked for, right? He did not break
[23:24] Suze: up with you because you failed to provide him with
[23:27] Suze: two homes. He broke up with you, in my opinion,
[23:30] Suze: because you would not surrender control of your money to
[23:34] Suze: what he wanted. And by the way, I just have
[23:37] Suze: to tell you that is what I call financial coercion,
[23:42] Suze: not a partnership. He was coercing you to do something
[23:47] Suze: that isn't what partners do, and...
[23:50] KT: Wait, we have to stop being so excited. We're both really...
[23:53] Suze: I'm so aggravated at this.
[23:54] KT: We're both mad. We're both mad. So let's, let's talk
[23:57] KT: it out, Suze.
[23:58] Suze: So wait, let me tell her what she needs to do.
[24:00] KT: Just talk gently now because we're yelling at everybody. They
[24:04] KT: don't want to hear us yelling.
[24:08] Suze: Argh!
[24:08] KT: Calm down.
[24:09] Suze: So here's what you need to do, right? You don't
[24:13] Suze: need to become more comfortable taking more risk. You need
[24:19] Suze: to become comfortable trusting yourself. Do you hear me? So
[24:24] Suze: here are your rules from this moment forward. Keep every
[24:30] Suze: dollar intended for a home or emergencies completely safe in
[24:35] Suze: the money market accounts in the Alliant Credit Union, if
[24:38] Suze: you want, right, if you know it's gonna be more
[24:40] Suze: of a year, if you want to speculate in individual stocks,
[24:45] Suze: you are never, ever, ever, and this is true for
[24:48] Suze: all of you, by the way, use more than 5%
[24:52] Suze: of your investable money, got that? And only money you
[24:56] Suze: could lose without changing your life. Haven't I told you
[25:00] Suze: all that.
[25:00] Suze: About when it comes to Bitcoin, even though I think
[25:03] Suze: Bitcoin's on its way up, I always said, KT's got
[25:07] Suze: her arms going, Calm down, Suze, calm down.
[25:12] KT: Gentle.
[25:13] Suze: I don't like being gentle.
[25:13] Suze: Just give everybody good information, good advice.
[25:17] Suze: So you know, never speculate with money that if you
[25:23] Suze: lose it, you'll be upset, right.
[25:26] Suze: Next, you are never to trade options to please anybody.
[25:32] Suze: Options is the most speculative strategy out there. There are
[25:37] Suze: two sides to options buying options and selling options. And
[25:41] Suze: do you remember how I became who I am today?
[25:44] Suze: It's because all those people at the Buttercup Bakery that
[25:49] Suze: I worked at for seven years making $400 a month
[25:53] Suze: gave me $50,000 to keep safe and sound until they
[25:56] Suze: could help me open up my own restaurant. They send
[25:59] Suze: me to Merrill Lynch.
[26:01] Suze: The guy that I was assigned to, the broker of
[26:04] Suze: the day, puts all $50,000 into the options market buying
[26:09] Suze: calls on oil stock.
[26:11] KT: You didn't know what that was.
[26:12] Suze: I didn't know what that was, but I said, OK,
[26:14] Suze: all $50,000 was loss. So you never do what somebody
[26:21] Suze: else tells you to do, especially number one, if you
[26:24] Suze: don't understand it. And number two, when they tell you
[26:27] Suze: to buy options, you have to be out of your mind.
[26:31] Suze: And never purchase a home with an unmarried partner without
[26:36] Suze: a written legal agreement, KT.
[26:39] Suze: Protecting your ownership and money. Do you hear me now? Obviously, KT,
[26:47] Suze: a partner may have a voice in a shared financial plan. Great, right?
[26:51] Suze: We talk about it all the time all the time, right?
[26:54] Suze: But a partner does not get control over assets you
[26:59] Suze: spent decades building. That is your money, your money.
[27:04] KT: Can I just say something? I just wanna butt in
[27:06] KT: here about us.
[27:08] KT: Often Suze sees opportunities and she instructs, you know, uh,
[27:14] KT: the people that look after our money, what she wants
[27:17] KT: to buy or sell, and then she turns to me
[27:19] KT: and say, KT, would you like to buy some? And
[27:23] KT: I'll say, what do you think, Suze? She said, I
[27:25] KT: think it's good. I'm doing this. And I said, OK,
[27:27] KT: I'll do half. And she says, OK, KT will do half.
[27:31] KT: That's how we do it, Suze always...
[27:34] Suze: Or she says, No, I don't wanna do that.
[27:36] KT: Yeah, many times I didn't like something and I said, Nope,
[27:39] KT: I'm out. And Suze never ever tries to persuade me
[27:45] KT: when the truth is.
[27:46] KT: I should just listen to her every time because it's
[27:50] KT: very rare that she's lost.
[27:52] Suze: But the main thing to this person is you did
[27:55] Suze: not miss your future...
[27:57] KT: And no shame.
[27:59] Suze: ... you protected it, my friend.
[28:01] Suze: You protected it. You know, someday you're gonna realize that
[28:06] Suze: this breakup saved you far more than Moderna ever could
[28:12] Suze: have made you. So promise me, please, that you will
[28:17] Suze: never go back with this person. You never should have
[28:20] Suze: even been with this person.
[28:23] KT: 12 years. He's 12 years. He's 56...
[28:26] Suze: And a loser.
[28:27] KT: You're 44 and young and available, find a partner that
[28:33] KT: is equally as responsible as you.
[28:35] Suze: And I love that you're living with your mother. I love
[28:40] Suze: everything that you're doing. You've built a fortune over time,
[28:45] Suze: little by little, not by one stock that's skyrocketed, and
[28:51] Suze: who knows where it goes from there, so.
[28:55] Suze: How do you feel about it?
[28:57] KT: If she, if, if he tries to come back and make
[29:00] KT: up with her?
[29:01] Suze: Are you crazy? I wouldn't have anything to do with
[29:04] Suze: this person, for all the money in the world, you know,
[29:08] Suze: Maya Angelou had that saying, when somebody first shows you
[29:12] Suze: who they are, you best believe them. This man has
[29:17] Suze: shown you over and over again who he is, and
[29:22] Suze: would I buy him if he were a stock? I
[29:25] Suze: would actually short him. I would short him because in
[29:29] Suze: my opinion he's worthless.
[29:35] KT: OK, listen up, girlfriend. You have a whole lifetime ahead
[29:40] KT: of you and some nice pocket change in the bank.
[29:44] Suze: So I'm going to write this all up and I
[29:47] Suze: am going to email it to you just in case
[29:50] Suze: you haven't listened to this podcast. Now, KT.
[29:56] Suze: That's it. We're over. But there is one more thing
[30:00] Suze: I wanna remind all of you about.
[30:01] KT: The reminder of our big October talk,
[30:04] Suze: Because it's coming October 3rd and 4th at the Alex
[30:10] Suze: Theater in Glendale, California is a tremendous celebration for Louise
[30:17] Suze: Hay's 100th birthday.
[30:20] Suze: Um, obviously, she died a number of years ago, but
[30:24] Suze: you got to celebrate her. We all celebrate her because
[30:28] Suze: her work literally transformed millions and millions of people throughout
[30:34] Suze: this world to show them how to live lives full
[30:38] Suze: of love.
[30:39] Suze: Happiness, productivity, and power, which is why they call it
[30:45] Suze: the Empower event. So all you have to do is
[30:49] Suze: go to Suze, S U Z E, Suze Orman.com/empower, E
[30:55] Suze: M P O W E R.
[30:58] Suze: Look at it there now all the VIP tickets have
[31:01] Suze: been sold out. They're almost sold out of the general
[31:05] Suze: admission tickets. I was told the other day. I am
[31:09] Suze: speaking on October 4th. I am the closing keynote, and afterwards, everybody,
[31:16] Suze: don't ask me why I am crazy enough to have
[31:19] Suze: done this, but I'm going to be doing a meet
[31:22] Suze: and greet with all of you and guess who's gonna
[31:26] Suze: be right by my side? KT! So you can come
[31:30] Suze: and meet both of us. Tickets are $100. However, look
[31:36] Suze: at everything that you do get for it again, that's
[31:40] Suze: for two full days and many other things, but come on,
[31:45] Suze: go to...
[31:45] Suze: ...if you're in the LA area, by the way, Suze
[31:48] Suze: Orman.com/empower and come on out. So KT, we did a
[31:55] Suze: live podcast.
[31:57] KT: And we only want you to remember three things, and
[31:59] KT: they are people first, then money, then things. Now you...
[32:03] Suze: Stay safe. All right, everybody, see you soon. Bye bye.

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