# Suze and Keith's Webinar

An episode of [Suze Orman's Women & Money (And Everyone Smart Enough To Listen)](https://invisiblenetwork.ai/podcast/1439621652), 7 Jun 2026, 46 min.

Audio: https://traffic.omny.fm/d/clips/2df1102a-5761-4c99-b489-aabd0161f8fe/44e0936e-923c-43c7-9e2a-aade00edf4d3/e7fa7630-ed6a-41d8-85c7-b46101340348/audio.mp3?utm_source=Podcast&in_playlist=4e05fb00-5a5b-4ed9-b353-aade00edf4dd

This Suze School features the audio from the webinar on June 4, 2026, where Suze sat down with Keith Fitz-Gerald, for a timely, no-nonsense conversation about today’s markets and where they believe opportunity may be hiding. Together, they talked about: stocks, ETFs, bonds, real estate, gold and so much more. Learn more about the Ultimate Scam Protection program 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 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: June 7th, 2026. Welcome everybody to the Women and Money
[0:13] Suze: podcast and everybody smart enough to listen. Today is Suze School,
[0:19] Suze: and on Suze School today we're going to be simply
[0:22] Suze: replaying the webinar that Fitzy and I did a few
[0:26] Suze: days ago on June 4th. Most of you.
[0:31] Suze: In fact, I think all of you absolutely loved it.
[0:36] Suze: The response we got was tremendous. Do you know that
[0:39] Suze: there was approximately 120,000 of you that registered for it?
[0:46] Suze: So I hope all of you were pleased. However, I
[0:50] Suze: just wanna say a few things before I play it.
[0:55] Suze: Listen to me closely now, all right. As you know,
[0:59] Suze: there was birthday pricing for the Must-Have Documents as well
[1:04] Suze: as the Ultimate Scam Protection.
[1:07] Suze: The Must-Have Documents. Once you buy them, you never have
[1:11] Suze: to buy them again. If you purchased them years ago
[1:15] Suze: in any format, you don't have to buy them ever again.
[1:20] Suze: So you don't have to take advantage of the birthday pricing.
[1:24] Suze: You would look at your documents where it says help,
[1:27] Suze: and they will send you the updates so that you
[1:30] Suze: always have the latest and greatest, OK.
[1:34] Suze: So remember that because I don't want you to spend
[1:37] Suze: money when you don't have to spend money. If, however,
[1:40] Suze: you have never purchased the Must-Have Documents, if there was ever
[1:44] Suze: a time to do it for $75 now is the time.
[1:50] Suze: Most of you know that via musthavedocs.com, your price has
[1:56] Suze: been $99 for a long, long time. By the way,
[2:00] Suze: if you had gone to SuzeOrman.com
[2:02] Suze: and purchased it from there it was gonna be $199.
[2:08] Suze: That's how much it was there so I always wanted
[2:11] Suze: my podcast listeners to always get it for less sometime
[2:18] Suze: at the end of this month.
[2:21] Suze: The price is going up for my podcast listeners and
[2:26] Suze: everybody really to $153. Now who knows what Hay House
[2:33] Suze: is gonna price it? I'm sure it will be for
[2:35] Suze: probably $253 but still for you it will
[2:39] Suze: be $153 probably two weeks from now or so. So
[2:45] Suze: if you were ever going to buy the Must-Have Documents, you
[2:49] Suze: need to do it now $75. Now, that expires, everybody...
[2:58] Suze: Monday, June 8th, 11:59 Pacific time. Who knows, maybe Hay
[3:04] Suze: House will decide to extend it. You never know, but
[3:08] Suze: that right now is the deadline. But keep checking if
[3:11] Suze: you listen to this podcast after that date. You never
[3:16] Suze: know what they will do, but now is the time
[3:19] Suze: to do it. Just that simple. Wanna talk about the
[3:23] Suze: Ultimate Scam Protection.
[3:25] Suze: And it is this normally the Ultimate Scam Protection is priced at
[3:30] Suze: $95.88 but until June 8th, 11:59 Pacific time, it is $75.
[3:43] Suze: Many of you are confused, wondering, is that $75 a
[3:46] Suze: year from now on? And the answer to that is no,
[3:50] Suze: it is not.
[3:51] Suze: It is just $75 for one year after you have
[3:55] Suze: purchased it and then it will go for the next
[3:59] Suze: year to $95.88 just that simple, so do not be confused. However,
[4:07] Suze: please know it is not available in New York.
[4:13] Suze: So that's important for you to know if you happen
[4:16] Suze: to be in those two states and you did purchase it,
[4:19] Suze: please cancel it and you will get a refund. All right,
[4:23] Suze: I think that's everything I want you to know about that. So,
[4:28] Suze: are you ready, everybody?
[4:31] Suze: Now, it's time to start the webinar from June 4th.
[4:37] Suze: Let's go.
[4:45] Suze: Welcome everybody to what I think is one of the
[4:47] Suze: most important webinars you will have ever seen in your
[4:51] Suze: entire life, but I'm just gonna tell you what you
[4:54] Suze: should expect to see. Number one, we're going to be
[4:57] Suze: naming individual stocks that you might be interested in.
[5:01] Suze: ETFs, we're gonna talk about bonds, gold, Bitcoin, REITs, real estate.
[5:07] Suze: We're gonna talk about all of it, and you will
[5:10] Suze: be walking away with things that you can take action
[5:13] Suze: on if they're appropriate for you. Now, listen to me.
[5:18] Suze: I'm personally calling this the Dynamic Duo Webinar, and the
[5:22] Suze: reason is this.
[5:24] Suze: Keith Fitz-Gerald will be joining us in one second, but
[5:28] Suze: it takes two, in my opinion, two parts of your
[5:31] Suze: finances for you to be secure. It takes personal finance.
[5:36] Suze: Should you have a will? Should you have a Roth IRA,
[5:39] Suze: what should you do? And that is my specialty. However,
[5:44] Suze: it takes a true expert to be able to tell
[5:48] Suze: you what stocks you should be buying, what ETFs you
[5:53] Suze: should be in, everything, and that is somebody who spends 100%
[5:58] Suze: of their time stunning the markets, having been in this
[6:02] Suze: game for a long time.
[6:04] Suze: And that is Keith Fitz-Gerald. Just little about him. He's
[6:09] Suze: been doing this for 40 years. He has managed over
[6:12] Suze: billions of dollars and advised on tens of billions of
[6:16] Suze: dollars for certain corporations, certain institutions, as to what they
[6:20] Suze: should do with their money. But here's the most important
[6:23] Suze: thing I trust him. I work closely with him, and
[6:28] Suze: in the same way, I hope that you trust me.
[6:32] Suze: I am telling you, you should trust him as well.
[6:35] Suze: So therefore, Keith boyfriend, just so you know, I call
[6:39] Suze: him Fitzy. How do you feel about me calling you Fitzy?
[6:43] Keith: I love it. Thank you so much for that most
[6:45] Keith: gracious introduction and to your point today, we live at
[6:49] Keith: one of the most exciting, dynamic times I can recall
[6:52] Keith: in human history when it comes to investing in your money.
[6:56] Suze: All right, so let's start right there, Keith, which is,
[7:00] Suze: why are these times, number one, you say exciting, but
[7:03] Suze: why are they different than they were two years ago,
[7:07] Suze: five years ago, 10 years ago, where everybody thought they
[7:10] Suze: knew how to invest? How has it changed?
[7:14] Keith: The biggest single change, Suze, is a market concentration of
[7:19] Keith: not only wealth but earnings potential. Now, in the old days,
[7:24] Keith: you could spread your money around and you'd do just fine,
[7:27] Keith: but these days we have the world's best companies making
[7:31] Keith: must-have products and services dominating
[7:33] Keith: the earnings landscape and earnings propel stock prices over time,
[7:38] Keith: so you want to focus on them.
[7:40] Suze: But how does that differ? That's been true forever that
[7:42] Suze: earnings have propelled stock prices. What really makes a difference?
[7:47] Suze: Does AI make a difference? Do the computers make a difference?
[7:50] Suze: What makes it different, really, Keith?
[7:53] Keith: There are two layers that the average investor doesn't think about.
[7:57] Keith: Number one is all of the computerization.
[8:00] Keith: The options, the futures, the news, the dynamicism that we
[8:04] Keith: see in the headlines played out every single day that
[8:06] Keith: forces a concentration in the very best, most liquid, solid companies.
[8:11] Keith: The second thing is that an increasing number of companies
[8:14] Keith: themselves are
[8:15] Keith: dominated by visionary leaders, they're attracting huge amounts of capital,
[8:20] Keith: but they're attracting it not for the wrong reasons. They're
[8:22] Keith: attracting it for the right reasons because they're making products
[8:24] Keith: and services that we literally can't live without. We've never
[8:28] Keith: seen this in recorded human history before.
[8:31] Suze: So you know, over the past we've talked about the
[8:34] Suze: Magnificent Seven. We talk about these stocks, AI. Everybody says
[8:38] Suze: they are in a bubble. Get out of them. Don't
[8:41] Suze: invest in them anymore. Headlines have been, and yet they
[8:45] Suze: have been taking off over the past month or so.
[8:48] Suze: Everything has skyrocketed. Why?
[8:52] Keith: Well, it's a very common misconception, right? People are still
[8:55] Keith: thinking using a roadmap that was built 30, 40, 50
[8:59] Keith: years ago to navigate a market that looks nothing like
[9:01] Keith: it used to.
[9:02] Keith: So this idea that we're in a bubble is really
[9:06] Keith: sort of a recent memory. It's not accurate. The facts
[9:09] Keith: contradict that. If you look at the bubble of 1999,
[9:13] Keith: for example, that was talking socks and something that might
[9:16] Keith: be called the internet. Today's companies are backed by huge, huge,
[9:21] Keith: trillions of dollars of real revenue, real earnings, real products
[9:25] Keith: that are already working their way through the system. So
[9:27] Keith: it's a very, very different environment, and a bubble is
[9:30] Keith: the wrong term.
[9:32] Suze: All right, so you would still be investing at this
[9:34] Suze: point in time, correct?
[9:36] Keith: No question about it.
[9:38] Suze: All right, so let's talk about individual stocks. If you
[9:42] Suze: had to talk about 3 or 4 individual stocks that
[9:46] Suze: you would like everybody to at least look into and
[9:49] Suze: if appropriate, buy for themselves, what would they be and why?
[9:53] Keith: Sure, that's a great question because, you know, this is
[9:56] Keith: about charting a course to the future, right? At the
[9:59] Keith: very top of the list right now, at this moment
[10:01] Keith: in time would be Apple. And Apple is just got,
[10:05] Keith: everybody says it's done, it's not innovating, it's written off, blah,
[10:08] Keith: blah blah. I've learned to watch Apple over the years
[10:11] Keith: and one of the things that Apple does very deliberately
[10:14] Keith: before it changes the universe and the world we know
[10:17] Keith: is it goes quiet.
[10:18] Keith: And that was before the iPhone, before services, etc. I
[10:21] Keith: think they're going to make a huge move here this
[10:24] Keith: year or next when they bring AI down to the device.
[10:29] Keith: And what makes Apple so special, Suze, is they are
[10:32] Keith: the only company in history with 2.5 billion installed devices
[10:37] Keith: around the world, meaning nearly everybody has one, owns one,
[10:40] Keith: or has access to it. Nobody else has that advantage.
[10:44] Suze: All right, so then I just have to ask you
[10:46] Suze: this and bring this up. Do you remember a little
[10:49] Suze: while ago we did something together and I asked you
[10:53] Suze: what was your number one pick, and I said at
[10:56] Suze: the time mine was Apple, but you said at the
[11:00] Suze: time Microsoft. What has made you change from Microsoft to Apple?
[11:07] Keith: Well, yes, you did. My hat's off to you. That
[11:09] Keith: was awesome. But if you also recall at the time
[11:12] Keith: when I said Microsoft, Microsoft has now had a great
[11:15] Keith: run since then. So investing changes, and that's one of
[11:18] Keith: the other things about the current environment that is unique
[11:22] Keith: is you can't just be one and done, you know,
[11:24] Keith: the fact that I liked Microsoft six months ago, nine
[11:27] Keith: months ago, 12 months ago really,
[11:28] Keith: is moot today. The question is what would I buy today? Well,
[11:32] Keith: it's Apple. Microsoft is going to do great, and I
[11:34] Keith: hope I'm smart enough to hold it for a long
[11:35] Keith: time to come.
[11:37] Suze: Great. And so what would be another pick of yours?
[11:40] Keith: Another company is very controversial choice, and you're either going
[11:43] Keith: to love it or you're going to hate it, but
[11:45] Keith: there's no question in my mind that Tesla is the one...
[11:47] Suze: Want me to guess what you're going to say?
[11:50] Suze: He's gonna say Palantir, right?
[11:53] Keith: Well, it could be either Palantir or Tesla. Both of
[11:56] Keith: these companies are incredibly controversial, but they also are incredibly unique.
[12:01] Keith: And again, if we look at where we are in history,
[12:04] Keith: for the first time, we're not talking plow blades, we're
[12:07] Keith: not talking cars, we're not talking physical
[12:10] Keith: goods that you can kick, smell, touch, taste, eat. What
[12:14] Keith: we're talking about is data. And again, we've never seen
[12:18] Keith: this in recorded human history. The average person today, Suze,
[12:21] Keith: encounters more information in a single issue of The New
[12:25] Keith: York Times than a person living in the 1700s or
[12:27] Keith: 1800s would have seen in their lifetime.
[12:30] Keith: And the data is beginning to create data and we're
[12:33] Keith: drawing conclusions and decisions about medicine, about money, about health,
[12:38] Keith: about famine. We live in an age of abundance, not scarcity,
[12:41] Keith: and that's why the investment environment is so compelling right now.
[12:44] Suze: Let's just be clear with everybody because I told them
[12:47] Suze: they're going to walk away with actionable ideas if it
[12:51] Suze: fits their investment profile. So, so far we have Apple,
[12:55] Suze: and Tesla
[12:56] Suze: is what you were just talking about...
[12:58] Keith: And Palantir.
[12:58] Suze: And Palantir. Do you want to give them one more
[13:01] Suze: like outside of that realm?
[13:04] Keith: Absolutely, because it's not just about the data. One of
[13:08] Keith: the other great misconceptions about today's environment is people are
[13:12] Keith: thinking about nice to haves, for example, they're looking at
[13:15] Keith: all this stuff. I could get a new pair of shoes, Nike.
[13:17] Keith: I could get a Peloton. Fine. So you get a commodity.
[13:20] Keith: So what?
[13:21] Keith: What I think people ought to be thinking about is
[13:24] Keith: dividends and income and growth and sustainability. Chevron is at
[13:28] Keith: the very top of the list. Now, again, it's controversial
[13:32] Keith: but very deliberate on my part because oil is not
[13:35] Keith: an on-off switch.
[13:37] Keith: We have to have oil for many, many years to come.
[13:41] Keith: It's in hundreds of thousands of industrial processes. You don't
[13:45] Keith: just suddenly "on" oil one day, "off" the next. It
[13:48] Keith: pays a great dividend, has a global footprint. It is
[13:51] Keith: capable of surmounting and succeeding despite all of the global chaos,
[13:55] Keith: which I suspect is going to get rewired here within
[13:58] Keith: the next six to nine months.
[13:59] Suze: So you know what's interesting, I've always said that if
[14:03] Suze: you're going to
[14:04] Suze: own individual stocks. You should own at least 25 stocks,
[14:08] Suze: no more than 4% in each one, or 30 stocks,
[14:12] Suze: and you need to own a lot of stocks. But
[14:15] Suze: the truth is today, Keith, not many people have that
[14:19] Suze: much money that they can own that many stocks and
[14:22] Suze: know which ones to do. And so therefore exchange traded
[14:26] Suze: funds really, in my opinion, come to play.
[14:30] Suze: So for years now I've been telling people, listen, just
[14:34] Suze: dollar cost average every month into VOO, the Standard and
[14:37] Suze: Poor's 500 index, or VTI, the Vanguard Total Stock Market Index,
[14:42] Suze: the ETF, and things like that. But I've noticed over
[14:46] Suze: the years that there's only a few of the stocks
[14:50] Suze: within the entire index that are moving the entire index.
[14:55] Suze: Is that true?
[14:57] Keith: Yes, it's true, and it's actually becoming more and more pronounced.
[15:01] Keith: Our research shows, for example, over the last, I mean
[15:04] Keith: this is this is a mind blower. Our research shows
[15:07] Keith: that over the last 100 years, there are approximately 29-30,000 stocks,
[15:12] Keith: less than 1,000 of those stocks have contributed effectively 100%
[15:18] Keith: of the total wealth created in the stock market in
[15:20] Keith: the US.
[15:21] Keith: So what that means is the concentration because what you've
[15:25] Keith: proposed for years has worked, it's worked beautifully. I'm super
[15:27] Keith: proud of anybody that's done that because chances are they've
[15:30] Keith: done very, very well. What they need to do now
[15:32] Keith: is focus on where the world is going, not where
[15:35] Keith: it's been, and that's why this concentration is so important
[15:38] Keith: because the number of companies.
[15:41] Keith: That is creating that wealth is continuing to shrink. The
[15:44] Keith: number of public listings over, I think it's since the
[15:47] Keith: 1990s has dropped by roughly 50%. So the number of
[15:52] Keith: public companies has dropped. The rise of ETFs has focused,
[15:55] Keith: and on top of that, the earnings are concentrating, so
[15:58] Keith: you're getting this bull's eye effect that is really pronounced
[16:01] Keith: for investors who want to move the needle. You can't
[16:04] Keith: buy 29,000 stocks and hope you're going to stumble into
[16:08] Keith: the winners. My supposition is you need to focus on
[16:10] Keith: the winners to begin with now.
[16:12] Suze: But would you say, because I don't want to be
[16:15] Suze: wrong for all these years, but...
[16:16] Keith: You're not wrong. You're not. No.
[16:18] Suze: But would you say for the people that currently own VTI, VOO,
[16:23] Suze: whatever it may be, that they should probably stick in it,
[16:27] Suze: but also
[16:30] Suze: diversify among other exchange traded funds or individual stocks?
[16:34] Keith: Yes, I would. And here's why. Number one, if you're
[16:37] Keith: investing in things like VTI and VOO, number one, definite
[16:40] Keith: hat tip to you. Well done. Keep doing that if
[16:43] Keith: it works for you because those are great funds that
[16:45] Keith: get you where you want to go. You're using discipline.
[16:47] Keith: You're earning dividends. I mean all the great stuff that
[16:50] Keith: you want to be doing as an investor.
[16:52] Keith: The problem with diversification and concentration that we're talking about
[16:55] Keith: isn't diversification itself. It's not even concentration. It's that most
[16:59] Keith: investors in today's environment, Suze, don't own enough of the
[17:03] Keith: right stocks. So if you begin to branch out into
[17:06] Keith: ETFs that offer you a very select focus, then I
[17:11] Keith: submit that is a super smart, super appropriate move where
[17:14] Keith: we are in history.
[17:15] Suze: And I have to say to everybody, of course you
[17:18] Suze: would think that. And the reason that I say that
[17:21] Suze: is that you recently debuted an ETF under the symbol FITZ,
[17:28] Suze: and I just wanna say congratulations to you because the
[17:32] Suze: day that it debuted over 1 million shares,
[17:37] Suze: actually, were bought. Tell everybody about FITZ because I tell
[17:42] Suze: people about it. I've told people about it on the
[17:45] Suze: Women and Money podcast and everything, but people are like,
[17:49] Suze: what is a theme? What is he doing exactly? What's
[17:52] Suze: in it? Why did you do it? And why and
[17:56] Suze: who should be looking into purchasing it?
[17:59] Keith: Well, I will do my best. Those are some big questions, right?
[18:01] Keith: So the premise behind FITZ really drives to the heart
[18:05] Keith: of what we've just been talking about. You know, I
[18:07] Keith: think that the way to win is to flip everything around.
[18:10] Keith: Don't spread your money around willy-nilly. This is all stuff,
[18:14] Keith: no fluff, and we started with the premise of this.
[18:16] Keith: Would you, if you got the opportunity to buy 20
[18:19] Keith: to 30 of the world's best, most successful companies making
[18:24] Keith: must-have products and services and align your money in doing
[18:28] Keith: so with where the world is going versus where it's
[18:30] Keith: been in a single easy to buy ticker, would you
[18:33] Keith: do it?
[18:34] Keith: And a lot of people said yes.
[18:36] Suze: And is it your hope that over a long period
[18:39] Suze: of time that FITZ literally outperforms VOO or VTI or
[18:46] Suze: any of those, no promises here, but is that your goal?
[18:50] Keith: Absolutely, it's the intention because this is the living embodiment
[18:54] Keith: of 45 years of my research. You buy the best,
[18:56] Keith: you ignore the rest. All the data supports what we're doing.
[19:00] Keith: History supports what we're doing. If we're doing our jobs properly,
[19:03] Keith: my hope is that we perform very, very well and
[19:07] Keith: that everybody enjoys their trip at the table.
[19:10] Suze: Yeah, you know what's interesting, Keith, is that a lot
[19:13] Suze: of times people hear, Oh, FITZ just came out. I
[19:16] Suze: got to buy it. It's going to go straight up. Everybody,
[19:18] Suze: I personally want you to understand an ETF is not
[19:22] Suze: like an IPO where all of a sudden the
[19:24] Suze: stock comes out and everything. It is a process, and
[19:28] Suze: I think Keith, it took you two or three years
[19:31] Suze: to actually get it all together, everything that's behind it
[19:35] Suze: to make it be what you want it to be.
[19:37] Suze: But the point I want to make here is that
[19:40] Suze: would you agree with me that the way that you
[19:43] Suze: would want people to invest in FITZ is through a
[19:47] Suze: dollar cost averaging approach, number one.
[19:50] Suze: And number two, with the intention of holding it for
[19:54] Suze: five years, 10 years or longer, because you, I think,
[19:58] Suze: told me that you wanted to create an ETF with
[20:02] Suze: the stocks that are going to be there and that
[20:05] Suze: you must have, which is why you're calling it the
[20:07] Suze: must-have portfolio for a long, long time. Is that correct
[20:11] Suze: as well?
[20:12] Keith: Yes, it is. And you know, this is just as
[20:15] Keith: true for FITZ as it is for any other disciplined
[20:18] Keith: investment product. I'd love to be able to tell you, hey,
[20:20] Keith: take everything you got and put it in. But number one,
[20:23] Keith: that would be inappropriate. Number two, that would be a
[20:25] Keith: disservice to you as an investor because we live in
[20:28] Keith: an age where Wall Street's computers have run amok, where
[20:31] Keith: the go fast traders regularly exploit individual investors. Having a
[20:36] Keith: fund like this and using a tactic
[20:38] Keith: like dollar cost averaging or value cost averaging gives you
[20:43] Keith: the advantage because it removes the emotional uncertainty. It means
[20:47] Keith: you don't have to pay attention to the daily headlines
[20:50] Keith: if you have a confidence in the companies that are
[20:52] Keith: in the portfolio and you can just breathe easy, sleep
[20:56] Keith: at night. That's the goal because personally, I like to
[20:58] Keith: sleep at night. So a lot of my own desire
[21:01] Keith: to see a more stable, compelling story
[21:05] Keith: is embodied in that particular ETF and the companies we choose.
[21:09] Suze: You know, I want you all to understand that this
[21:11] Suze: is a managed ETF obviously managed by Keith.
[21:16] Suze: That means there's an expense ratio of 0.75% on it
[21:21] Suze: versus your indexed ETFs that have like 0.003 or whatever
[21:26] Suze: it may be, and I imagine a lot of you
[21:29] Suze: are going to look at that and say, Well, that's
[21:31] Suze: really high, Suze. Why should I pay 0.75% when I
[21:36] Suze: could pay 0.003 and buy the whole market? Keith, I
[21:39] Suze: just need you to address the answer to that question
[21:42] Suze: because people have been emailing me that question.
[21:45] Keith: Well, it's a very logical question, and my answer is
[21:48] Keith: very simple. You get what you pay for. If you
[21:50] Keith: want to buy the index, you're in the crew that's
[21:52] Keith: 29,000 stocks hoping to stumble into some big winners. This
[21:56] Keith: flips this around. What you're really getting is my expertise
[22:00] Keith: for better or for worse.
[22:02] Suze: Everybody, I'm telling you this is what I would be
[22:06] Suze: doing if I were you. If you're in VTI, if
[22:08] Suze: you're in VOO, if you even have some individual stocks
[22:11] Suze: that may be part of FITZ, that is the symbol
[22:15] Suze: FITZ on the New York Stock Exchange, you might want
[22:19] Suze: to consider adding FITZ to the mix because you're going
[22:24] Suze: to see when you see all the stocks that are
[22:26] Suze: in there, and I think
[22:27] Suze: there are about 28 stocks, so I'm just telling you
[22:30] Suze: I'm not making money off of you. I'm just telling you,
[22:33] Suze: and I've always brought to you the ETFs that I
[22:36] Suze: have wanted you to buy in the past, and I'm
[22:39] Suze: adding this one to the list. Let's move on for
[22:42] Suze: a second now. So we have growth. We've just talked
[22:46] Suze: about growth and making money in individual stocks and ETFs,
[22:50] Suze: but there are a lot of people out there.
[22:52] Suze: That need income and I personally believe that the best
[22:57] Suze: way to get income today is not through bonds. I
[23:00] Suze: personally don't like bonds if you're doing it for income.
[23:03] Suze: You want safety and you want a little bit of
[23:05] Suze: your money in treasuries right now. Maybe a 30 year
[23:09] Suze: treasury might not be a bad thing to do, but
[23:12] Suze: really I think inflation is here to stay for a
[23:16] Suze: long time.
[23:18] Suze: For, I want you to have income plus growth, and
[23:22] Suze: when interest rates go down, as maybe they will one day,
[23:26] Suze: who knows? Well then you're doing OK with bonds, but
[23:31] Suze: if interest rates stay up like they are right now,
[23:34] Suze: bonds are not going to help you when it comes
[23:36] Suze: to growth. So I like dividend paying stocks or ETFs.
[23:41] Suze: Talk to me, boyfriend.
[23:43] Keith: I'd be happy to. So I just happen to have
[23:46] Keith: a handy dandy cheat sheet here of some names that
[23:48] Keith: I really do like because you want two things. You
[23:51] Keith: want quality and stability when it comes to growth and income, right?
[23:54] Suze: Is that because you knew I was going to ask
[23:56] Suze: you for individual names?
[23:57] Keith: No, I'm good that way.
[23:59] Suze: All right.
[24:00] Suze: Good. There we go. Tell everybody what you think. Let's
[24:02] Suze: see if I agree with you this time. All right.
[24:05] Keith: Exactly. So I think you want a combination of the two.
[24:07] Keith: Now one of my favorite funds because it plays to
[24:10] Keith: many of the themes we're talking about, but you get
[24:12] Keith: growth and you get income, is you got the Fidelity
[24:15] Keith: Contra Fund, right?
[24:17] Keith: It's a good old fashioned plainly run, very experienced senior
[24:20] Keith: level fund. The ticker is FCNTX. You've got active US
[24:25] Keith: large cap growth. You've got top holdings of Meta, Nvidia, Amazon,
[24:29] Keith: you know, names we talk about regularly, and a low expense. Well,
[24:32] Keith: the expense ratio is 0.74%, but you get what you
[24:34] Keith: pay for.
[24:36] Keith: The other thing that gives great stability is the granddaddy
[24:38] Keith: fund of them all, Vanguard Wellington, 60/40 bonds, roughly, it
[24:44] Keith: varies from time to time, but it's been around since
[24:45] Keith: 1929 and you're talking fabulous stocks, quality picks, good appropriate
[24:51] Keith: balance between growth, income, and stability.
[24:54] Keith: So, you know, just the kind of fun, if I
[24:56] Keith: were sitting around and I had the option to do
[24:58] Keith: stocks and bonds that I would personally try to create,
[25:01] Keith: but you don't have to do that anymore. Vanguard did
[25:04] Keith: it and they did it a long time ago. It's very,
[25:05] Keith: very well run.
[25:07] Keith: And then finally, if we look internationally, right, the iShares
[25:11] Keith: International dividend Growth ETF IGRO, which tracks the XS dividend
[25:19] Keith: growth index. I have to read this because it's very,
[25:21] Keith: very particular language of its own, but what that means
[25:24] Keith: in plain English is it's looking at the rest of
[25:26] Keith: the world looking for great dividend producing companies that are
[25:29] Keith: outside the United States, and that should be some wonderful
[25:32] Keith: names to think about to potentially get started with. They
[25:35] Keith: will offer you a great combination.
[25:37] Suze: So a lot of you will have Schwab dividend, Noble,
[25:40] Suze: all of those.
[25:41] Keith: I forgot to mention that one, the Schwab dividend Fund. Yes,
[25:45] Keith: great one, great choice.
[25:46] Suze: All right, so, and that those are just some dividend
[25:49] Suze: ETFs that also offer you growth.
[25:52] Suze: That you might consider now I'm just gonna put a
[25:55] Suze: pin in all of this for a second and you know, Keith,
[25:58] Suze: things change and you know they change. So here we
[26:02] Suze: are giving this webinar June 4th, 2026. Would you be
[26:08] Suze: willing to join forces with me to make sure that
[26:13] Suze: everybody who's registered for this webinar and the last one.
[26:17] Suze: That we do a quarterly update for them about everything
[26:21] Suze: that we've recommended, how things are doing, and if anything
[26:25] Suze: is changing. You up for that, doing that with me.
[26:29] Keith: What an honor. I would love to. That's a great idea.
[26:31] Suze: Yeah. All right, so everybody just know, given that you're
[26:35] Suze: watching this, in three months, if we have your legit
[26:40] Suze: email and everything, we will
[26:42] Suze: send you a quarterly update in terms of how did
[26:45] Suze: we do with recommendations. Actually, how did Keith do, but
[26:48] Suze: that's besides the point. Maybe I will add some of
[26:51] Suze: my own recommendations to it and just to keep you
[26:54] Suze: abreast as to what's happening in the economy, interest rates,
[26:58] Suze: and things you need to know. Let's jump for a
[27:02] Suze: second here to real estate, OK.
[27:07] Suze: Real estate. I personally am not a fan right now
[27:13] Suze: of real estate, and the reasons are plentiful out there,
[27:18] Suze: but mainly it's not because of what mortgage rates are at.
[27:22] Suze: Oh no, no, it's because what's happening in the climate.
[27:28] Suze: You cannot watch television today, in my opinion.
[27:31] Suze: And see anything other than destruction, floods, hurricanes, tornadoes, all
[27:38] Suze: these things that are happening that are actually affecting the
[27:43] Suze: possibility of you maybe losing your home, that's number one.
[27:49] Suze: But number two, because of all that destruction that's happening.
[27:52] Suze: Insurance is over the top. It just is. So you
[27:59] Suze: have to know that unless you own your house outright,
[28:03] Suze: that you can afford the insurance premiums, the property taxes,
[28:08] Suze: the maintenance, and the climate risk.
[28:12] Suze: When you own a piece of real estate, especially your home,
[28:16] Suze: so I don't know. I don't think that the American
[28:20] Suze: dream has to be more where you own a home.
[28:23] Suze: I want you to have money. I want you to
[28:26] Suze: have security. I want you to know that no matter
[28:29] Suze: what happens in the climate or whatever in your life,
[28:33] Suze: that you're OK. However, there is a way to own
[28:38] Suze: real estate
[28:39] Suze: without owning a piece of property or a rental property itself.
[28:44] Suze: Tell everybody, Keith, see if you know what I'm thinking about.
[28:48] Keith: I do. I do, and you're gonna get into something
[28:50] Keith: called a real estate investment trust, yes.
[28:54] Keith: Yeah, yeah, and real estate investment trusts are a great
[28:57] Keith: potential investment because if you get the right one, you
[29:01] Keith: can get people who spend all of their time on
[29:03] Keith: real estate who have appropriate income coming in. You can
[29:07] Keith: get growth in professional management for not a lot of
[29:10] Keith: money without all the hassle or the risk that Suze
[29:12] Keith: just spoke about.
[29:14] Suze: So if they were to buy some REITs, and listen everybody,
[29:18] Suze: I'm not here saying you shouldn't buy a primary residency,
[29:21] Suze: you shouldn't own a home, you shouldn't do whatever, but
[29:24] Suze: those of you especially,
[29:27] Suze: that take real estate as your income, as the way
[29:31] Suze: you invest. I know people out there, Keith, that have 100%
[29:35] Suze: of their investments in real estate, apartments, this and that,
[29:40] Suze: because in the past they went up so much in value.
[29:44] Suze: And it was very different in the past and they
[29:46] Suze: still own them. So I'm talking about today. There are
[29:51] Suze: other ways, everybody, to make money other than buying a home,
[29:55] Suze: flipping it, having four rental properties, depending on somebody to
[29:59] Suze: be able to pay you rent.
[30:01] Suze: There are, and I personally think more wealth will be
[30:05] Suze: built in the stock market and owning the right ETFs,
[30:08] Suze: the right individual stocks, the right REITs, and so forth
[30:12] Suze: than real estate. Before I go on, do you agree
[30:14] Suze: with that or not, Keith?
[30:16] Keith: I do, and I'll tell you why, because I've lived through,
[30:19] Keith: you know, I remember if you remember the S&L crisis,
[30:21] Keith: if you remember Japan in the 90s, you know, I've
[30:24] Keith: personally witnessed several major real estate crashes during the course
[30:28] Keith: of my career. So I'm a huge fan of REITs,
[30:31] Keith: particularly if they're properly constructed in the right types of property.
[30:36] Suze: What are they, Keith? Do you have any on hand
[30:38] Suze: that you might want to suggest?
[30:40] Keith: Well, I tell you what, there's a couple, and this,
[30:42] Keith: this is an environment that is changing very rapidly. And
[30:44] Keith: so let me just give a couple of caveats. I
[30:47] Keith: would stay away from anything that is Class A office space,
[30:51] Keith: meaning big towers, all the kind of stuff you see
[30:54] Keith: in television that's vacant where the urban areas are struggling.
[30:58] Keith: I would stay away from shopping malls and strip malls
[31:01] Keith: and any of those things that, that again, you know,
[31:04] Keith: used to be great sort of backbones for REITs
[31:07] Keith: and I would instead flip that around to the things
[31:10] Keith: you and I've been talking about, the big themes of
[31:12] Keith: our time, one of which is we're all getting older
[31:15] Keith: and so if you look for REITs that focus on
[31:18] Keith: medical care, post-surgical, geriatrics, longevity, you know, my favorite is
[31:22] Keith: Care Trust CTRE because of all of those things. That's
[31:26] Keith: a growth trend in an industry that is otherwise unstable.
[31:30] Suze: And what's the dividend that that thing's paying right now?
[31:34] Keith: I knew you were going to ask me that, and
[31:35] Keith: I am having a brain cramp, and I don't have
[31:37] Keith: that off the top of...
[31:38] Suze: I think it's like 3 or 4% right now, but
[31:40] Suze: it's not bad for Care Trust or other REITs. Should
[31:46] Suze: they be owned inside of a retirement account or outside?
[31:51] Keith: I'm gonna defer to you on that one because you've
[31:53] Keith: really got more expertise in that area than I do.
[31:56] Keith: I'm of course going to say, you know what, you
[31:58] Keith: got to talk to your advisor on that, but you
[32:00] Keith: have been talking about this for years, Suze, so I'm
[32:02] Keith: gonna flip that one back...
[32:02] Suze: A lot of them because of how the income is taxed.
[32:06] Suze: Everybody, you would be far better off in my opinion,
[32:09] Suze: and the majority of REITs that you own should be
[32:12] Suze: owned within a retirement account, not outside. That's why it's important, seriously,
[32:19] Suze: that you did you see what Keith just did?
[32:22] Suze: There's a part that I know. Maybe Keith doesn't know
[32:25] Suze: when you should have a Roth IRA or an IRA
[32:28] Suze: or should you convert or should you not or whatever
[32:31] Suze: it may be. That's why really, Keith, we need to
[32:34] Suze: do a podcast together.
[32:36] Keith: We should, shouldn't we? That'd be fun.
[32:38] Suze: I don't know if I could take you every week.
[32:42] Keith: That's another story.
[32:43] Suze: That's a whole another story. But anyway, you need both
[32:48] Suze: of these things just so you know, to make your
[32:51] Suze: entire financial home really in perfect order. Do you have
[32:56] Suze: any others besides Care Trust?
[32:59] Keith: Well, there's a class that I want people to look
[33:01] Keith: at very seriously, and the two names that are in
[33:04] Keith: there are neck and neck. You know, I want people
[33:06] Keith: to think seriously about some of the public storage type
[33:10] Keith: ETFs or excuse me, REITs. And the reason is that
[33:15] Keith: as people begin to move around, as the housing market changes,
[33:19] Keith: as we've seen the migrations from to and from various
[33:22] Keith: states in this country.
[33:23] Keith: There's a lot of people who have to put stuff
[33:26] Keith: in storage. Now that can be a very significant source
[33:30] Keith: of income. And because I haven't vetted the two choices
[33:33] Keith: I'm thinking about, I'm just going to say, you know what,
[33:36] Keith: look at the public storage, type REITs, they see what
[33:41] Keith: you think. I'm very convinced that they are the real thing.
[33:45] Suze: Right, so that's one of the reasons, Keith, we need
[33:47] Suze: to do a quarterly update, because hopefully in three months
[33:51] Suze: you will have done your research and you can tell
[33:53] Suze: them what the public storage REITs happen to be.
[33:57] Keith: I will be able to do that, but one of
[33:59] Keith: the challenges in this business, right, in the world that
[34:01] Keith: I live in.
[34:02] Keith: I can't make recommendations flippantly. I've got to have the
[34:06] Keith: data to support it because, you know, if people are
[34:09] Keith: going to place their trust in me, that's something I
[34:11] Keith: take very, very seriously. I want to make sure I
[34:14] Keith: have my ducks in a row. So that's why respectfully,
[34:17] Keith: I don't have names on those two that I'm talking
[34:20] Keith: about just now.
[34:21] Suze: But you will in 3 months from now. All right, so...
[34:26] Suze: We've covered that. Let's briefly touch on bonds and just
[34:30] Suze: your opinion on bonds. I gave everybody my opinion. If
[34:33] Suze: you agree with me on it, then we can go on.
[34:35] Suze: What do you think?
[34:37] Keith: Well, bonds are far more dangerous than people realize right now.
[34:41] Keith: The global bond market, I think, is something like 160
[34:45] Keith: some odd trillion dollars. It's bigger than the stock market,
[34:47] Keith: which is $140 trillion or something.
[34:50] Keith: But the problem with the bond markets is structural, Suze,
[34:53] Keith: and let me explain what that means. Everybody talks about
[34:56] Keith: just like rates and here's the bond and here's this.
[34:58] Keith: What they don't understand is that institutions like pension funds
[35:01] Keith: and endowments and family offices, they have to go to
[35:05] Keith: market to buy these bonds. So they're effectively captive.
[35:08] Keith: This is why the Fed is struggling. So bonds to
[35:11] Keith: me are far more dangerous than people realize because of
[35:15] Keith: the institutional involvement. It's not just about the rates anymore.
[35:18] Keith: I would rather see quality stocks with quality management than
[35:22] Keith: a passive index that could go up or down based
[35:24] Keith: on a whim.
[35:25] Suze: All right, next.
[35:28] Suze: Gold.
[35:29] Keith: Oh, here we go.
[35:30] Suze: Yeah, I know. And gold has been very controversial because
[35:34] Suze: so many people, I think I told all of you
[35:36] Suze: this before, I would meet people and they'd go, Suze,
[35:38] Suze: you'd be so proud of me. I sold all of
[35:41] Suze: my stock and put 100% into it, physical gold, and
[35:46] Suze: I'm like, You idiot, are you kidding me? My goodness,
[35:49] Suze: would you be a buyer of gold hair or would
[35:52] Suze: you not, or would you be a seller of gold hair?
[35:55] Keith: Gold is a walkaway trade to me because of the institutions.
[36:00] Keith: People think they're buying gold and it's about the metal,
[36:03] Keith: it's about the currencies, it's about the dollar, it's about
[36:06] Keith: all these macro factors. It is not anymore. The linkage
[36:10] Keith: between gold and rates that had existed for 100 years
[36:13] Keith: broke in '21, '22, '23. And what you've got now, Suze,
[36:19] Keith: is a big institutional mosh pit.
[36:23] Keith: And there's options and futures and contracts as much as
[36:26] Keith: $50 in paper gold for every $1 in real gold.
[36:31] Keith: And what that means is that history shows we potentially
[36:35] Keith: are looking at a 20, 40%, even a 50% decline
[36:39] Keith: from the peak that was hit earlier this year.
[36:42] Suze: So obviously I've told many of you if you want
[36:45] Suze: to invest in gold, I don't have a problem with
[36:48] Suze: you putting a small amount, 1%, 2%, 3% - small into
[36:52] Suze: the ETF gold. You can disagree with me, Keith. Do
[36:55] Suze: you disagree with that?
[36:56] Keith: No, I don't. I think that, you know, again from
[36:58] Keith: a broader perspective, if you've got a little bit and
[37:01] Keith: the objective is to help stabilize everything else you own,
[37:05] Keith: that's a great idea.
[37:06] Suze: All right, one last topic then I will let you go. Bitcoin, crypto,
[37:12] Suze: your opinion.
[37:14] Keith: Well, it's one of those things that is sort of
[37:16] Keith: a mix between reality, fantasy, and delusion. I think probably
[37:21] Keith: owning a little bit of Bitcoin is great. I don't
[37:24] Keith: personally own any right now. I own the institutions that
[37:26] Keith: are moving it and trading it and developing all of
[37:30] Keith: the institutional vehicles that trade around it, but I don't
[37:33] Keith: like it itself. So if you're going to own it,
[37:35] Keith: you want to go into the ETF that you have recommended.
[37:40] Suze: All right, and the ETF that I've recommended is IBIT, IBIT. So,
[37:45] Suze: if you wanna do Bitcoin, that's how I would do it.
[37:48] Suze: I know a lot of you like to do it,
[37:50] Suze: just buying the Bitcoin, like buying the gold, but that
[37:54] Suze: is up to you.
[37:57] Suze: Now, don't go anywhere, anybody, because what we're gonna talk
[38:01] Suze: about actually what I'm gonna talk about after we say
[38:04] Suze: goodbye to Fitzy here, is my birthday and you know Fitzy.
[38:11] Suze: I'm so much older than you. Could I be your mother?
[38:14] Suze: Is that possible?
[38:15] Keith: No, it's not possible, but we're kindred spirits.
[38:18] Suze: I could be your older sister, right?
[38:20] Keith: Bingo.
[38:21] Suze: All right, so I want to talk to you about
[38:24] Suze: other things now, just briefly about things that you may
[38:28] Suze: not want, but I am telling you you need, you need,
[38:32] Suze: and we have a special birthday pricing on it, but,
[38:35] Suze: I just want to wish you the best of luck
[38:37] Suze: with your ETF. Again, the symbol, everybody is FITZ. Your
[38:43] Suze: dollar cost averaging into it. It's about $25.26 dollars a
[38:48] Suze: share right in there. It's something I really think all
[38:51] Suze: of you should do. And again, congratulations, boyfriend.
[38:56] Keith: Thank you so very much, Suze. That's, it's a real
[38:58] Keith: humbling journey and thank you.
[39:00] Suze: Don't you just love him? I have to tell you,
[39:03] Suze: I adore that man, not just because of who he is,
[39:07] Suze: not just because I trust him, but he is just
[39:10] Suze: such a great human being. All right, next, Listen, it
[39:15] Suze: takes more than just exchange traded funds, individual stocks, bonds,
[39:20] Suze: Bitcoin for your entire financial picture to be 100% secure.
[39:27] Suze: And therefore, I wanna talk to you right now briefly
[39:32] Suze: about just a few things that every single one of
[39:35] Suze: you needs if you already don't have it. Forever I've
[39:39] Suze: been talking to you about the Must-Have Documents. What are they?
[39:45] Suze: A will, a living revocable trust, an advanced directive, a
[39:48] Suze: durable power of attorney, and a durable power of attorney
[39:52] Suze: for finances. You need them. You may not want them,
[39:56] Suze: but I promise you, you need them.
[40:00] Suze: And for years, so many of you said to me, Suze,
[40:02] Suze: we don't have the money. It's $2,500 when we go
[40:05] Suze: to a lawyer or $5,000. We just can't afford them
[40:09] Suze: and we don't even know who to go to get them.
[40:12] Suze: So for over 20 years now, these Must-Have Documents have been
[40:17] Suze: serving tens of millions of you. Now currently, if you
[40:24] Suze: were to buy them on musthavedocs.com.
[40:29] Suze: They're $99. However, it is my 75th birthday, and on
[40:37] Suze: my birthday I love to give birthday presents. In this case,
[40:43] Suze: I'm not the one giving it to you.
[40:45] Suze: Hay House is the one giving it to you since
[40:48] Suze: they control the Must-Have Documents. It is theirs now. So starting
[40:55] Suze: right here all the way through till Monday night at midnight,
[41:01] Suze: the price is $75. Now you may think that's a
[41:07] Suze: big deal going from $99 to $75. I personally do.
[41:12] Suze: However, here's what you all need to know. Sometime at
[41:17] Suze: the end of June, maybe around June 22nd, the price
[41:21] Suze: is going up to $153. So if there was ever
[41:27] Suze: a time
[41:29] Suze: that you were going to purchase the Must-Have Documents. Now is
[41:34] Suze: the time. That's all I want to say to all
[41:37] Suze: of you. So again, good in all 50 states. Updates
[41:41] Suze: are free. You can share it with family members. Are
[41:44] Suze: you kidding me? Something you should all look into.
[41:50] Suze: Next, one thing that is happening throughout the entire United
[41:53] Suze: States is all of us are being subjected to scams.
[41:58] Suze: You know, it used to be
[42:00] Suze: identity theft protection. That's what we cared about. We got
[42:04] Suze: this one and that one. We protected our identity. But
[42:08] Suze: then the scammers went beyond stealing our identity. Who cares
[42:13] Suze: about our identity when they can steal our money? And
[42:17] Suze: how do they do that? They come directly into your
[42:20] Suze: home via email, however it may be, and they connect
[42:25] Suze: with you. And before you know it.
[42:27] Suze: You have been subjected to a scam. You're investing in something.
[42:31] Suze: They got your money. They pretended that your daughter or
[42:34] Suze: somebody was in an accident. Happens every way possible. But
[42:40] Suze: here's what's so sad identity theft doesn't solve that problem
[42:44] Suze: for you. You need a product. You need protection
[42:50] Suze: within that product so that if you are scammed or
[42:54] Suze: let's say you suffer a fraud, somebody actually did something
[42:58] Suze: to you and it wasn't even real. Sometimes it's known
[43:01] Suze: as a scam sometimes people call it frauds, all right,
[43:04] Suze: whatever it may be, you need your money back if
[43:08] Suze: you lost money. So about a year or two ago
[43:12] Suze: I started to work with a very well renowned company
[43:16] Suze: called Who Nord. All right.
[43:19] Suze: And together we created what's called the Ultimate Scam Protection. Now,
[43:25] Suze: let me tell you briefly how it works. If you
[43:28] Suze: suffer the loss of money online.
[43:33] Suze: Then in the majority of cases they will replace up
[43:38] Suze: to $100,000 of any amount of money that you lost
[43:43] Suze: with a scam that started online. Of course this product
[43:48] Suze: also has identity theft protection because you all want it.
[43:52] Suze: It has cyber attack protection. It has so many things
[43:55] Suze: in it, it's not even funny.
[43:58] Suze: But it's something that I really think every single one
[44:02] Suze: of you needs to get. I have it. KT has it,
[44:07] Suze: every one of you. So in the same way that
[44:10] Suze: all of you need the Must-Have Documents, you all need
[44:14] Suze: the Ultimate Scam Protection.
[44:16] Suze: Now normally it's $95.88 and that's per person. There isn't
[44:24] Suze: family plans or anything. Every individual needs it. So if
[44:28] Suze: you're married, you both need it, for instance. However, today
[44:34] Suze: all the way through till Monday midnight Pacific time.
[44:39] Suze: It's $75 so if I were you, I would so
[44:45] Suze: take advantage of those two offerings right now. It's not
[44:49] Suze: even funny. And last but not least is the Ultimate
[44:53] Suze: Retirement Guide for 50+. Listen, it's still $10.
[44:58] Suze: And the reason that it's $10 it's, it's, it's hardback.
[45:02] Suze: We pay for shipping. We can't go any lower than
[45:05] Suze: that because nobody's making any money on it, but if
[45:08] Suze: you are 50 or older, you wanna know a plan
[45:12] Suze: how to live an ultimate retirement, that is the guide
[45:16] Suze: for you. So those are the three things that I
[45:20] Suze: want all of you to consider purchasing before the deadline
[45:25] Suze: Monday when?
[45:28] Suze: Midnight Pacific time. So that look into FITZ and to
[45:33] Suze: all of you, there's only one thing that I want
[45:35] Suze: you to remember when it comes to your money, and
[45:37] Suze: it is this people first, then money, then things. Now
[45:41] Suze: you stay safe.
[45:43] Suze: Bye bye.

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