Ask KT & Suze Anything: How Do I Settle A Deceased Parent’s Credit Card Debt?

Summary

Podcast Summary: Suze Orman's Women & Money (And Everyone Smart Enough To Listen) Episode: Ask KT & Suze Anything: How Do I Settle A Deceased Parent’s Credit Card Debt?
Release Date: May 1, 2025

In this impactful episode of Suze Orman's Women & Money podcast, Suze Orman and her co-host KT delve into a series of listener questions, offering expert advice on a range of personal finance topics. The episode culminates in a profound discussion on managing the credit card debt of a deceased parent, providing invaluable insights for listeners navigating similar challenges.

1. Optimizing Beneficiary Designations on Retirement Accounts

Listener: Betsy
Timestamp: [02:00]

Betsy seeks guidance on beneficiary designations for retirement accounts, expressing concern about potential tax implications for her niece and nephew if they inherit a portion of her estate. Suze emphasizes the importance of naming a spouse as the primary beneficiary due to the unique benefits spouses receive, such as the ability to treat the inherited account as their own. She advises:

“...the primary beneficiary your trust... it's so much easier on your beneficiaries, especially if you are married, to make your spouse the primary beneficiary.”
— Suze Orman [02:05]

Additionally, Suze highlights the significance of contingent beneficiaries, allowing for flexibility in case both spouses pass away. She also touches on the annual gift tax exclusion, noting that in 2025, individuals can gift up to $19,000 per person without incurring taxes, providing a tax-efficient way to distribute assets to family members.

2. Inheriting and Distributing a 401(k) Among Siblings

Listener: Girlfriend
Timestamp: [06:36]

A listener named Irene asks about the best approach to distribute her late sister's $281,000 401(k) among herself and her siblings. Suze explains the tax implications of inheriting a traditional 401(k), which requires the heirs to pay ordinary income taxes on distributions. She recommends dividing the inheritance equally among the two primary beneficiaries and withdrawing a consistent amount annually over ten years to manage tax burdens effectively:

“...you would divide the amounts once they're divided by 10. So let's just say you each get $140,000. You need... to take out between $14,000 and $20,000 a year for the next 10 years.”
— Suze Orman [07:12]

This strategy ensures the funds are fully utilized within the mandated period while minimizing the tax impact.

3. Deciding Between Student Loans and Out-of-Pocket Payment for a Master's Degree

Listener: Will
Timestamp: [09:02]

Will, a 35-year-old nursing home director, contemplates returning to school for a master's degree. He is torn between paying the $30,000 tuition out-of-pocket or financing it through additional student loans, amidst existing debt. Suze offers a candid perspective, encouraging Will to evaluate the financial return on the degree before incurring more debt:

“...if you decide to go back and get a master's, you really need to check and see what would that do for you, financially speaking...”
— Suze Orman [10:30]

She advises prioritizing financial stability and suggests that if Will decides to pursue further education, he should consider paying as much as possible upfront to avoid exacerbating his debt.

4. Clarifying Tax Filing Status for Married Couples

Listener: Friend
Timestamp: [12:32]

KT brings up a case where a friend intends to file taxes separately to save money, despite both partners contributing to Roth IRAs. Suze confirms that this strategy is often misguided, especially for couples with combined incomes exceeding the $10,000 filing threshold for married filing separately:

“Especially filing separately... her friend is screwed.”
— Suze Orman [14:09]

She underscores the importance of joint filing for married couples in such circumstances and encourages listeners to verify tax advice from professionals before making decisions.

5. Settling a Deceased Parent’s Credit Card Debt

Listener: Anonymous
Timestamp: [19:04]

The heart of the episode addresses a deeply emotional and complex issue: handling a deceased parent’s overwhelming credit card debt. The inquirer, KT, explains that her father-in-law has left behind 13 credit cards totaling approximately $50,000 in debt. She faces a dilemma: whether to pay off the debts using her own funds or set up automatic payments to avoid accruing more interest.

Suze provides a strategic and compassionate response, advising:

“You are going to claim bankruptcy for your mother, because your mother doesn't really have any income. You are going to become a warrior, and you are not going to turn your back on this battlefield.”
— Suze Orman [21:40]

She explains that since the credit card debt is tied to the deceased, and the mother has no significant assets or income, filing for bankruptcy is a viable option to protect her from predatory creditors. Suze emphasizes the importance of safeguarding the mother's financial well-being and preventing further financial strain from exorbitant interest rates.

Furthermore, Suze suggests leveraging the $100,000 life insurance policy to support the mother's needs, ensuring that she remains secure without the burden of unmanageable debt:

“She could absolutely just say, you know what, I don't want it or whatever and let it go to you so that $100,000 could absolutely go into your name.”
— Suze Orman [21:44]

By taking proactive measures, Suze empowers listeners to handle such distressing situations with resilience and informed decision-making.

6. Upcoming Topics and Final Thoughts

Timestamp: [26:03]

As the episode nears its conclusion, Suze teases future content, including discussions on portfolio diversification, insights into specific stocks like Pfizer, and the importance of consistent podcast engagement for financial acumen. She encourages listeners to stay tuned for actionable advice in upcoming episodes.

“People. First, baby, then money, then things. And you stay healthy and safe. And so if you do that... you will be unstoppable.”
— KT [27:19]

Final Takeaway

This episode of Ask KT & Suze Anything masterfully blends practical financial advice with empathetic support, addressing both routine and extraordinary financial challenges. Suze Orman's expert guidance on beneficiary planning, managing inherited assets, navigating educational financing, understanding tax implications, and handling the financial aftermath of a loved one’s passing equips listeners with the knowledge to make informed and confident financial decisions.

For those seeking personalized advice or facing similar dilemmas, Suze Orman emphasizes the importance of consulting with financial advisors and continuously educating oneself through reliable resources, including her own podcast and YouTube channel.

---

Notable Quotes:

“...your spouse has all kinds of benefits that nobody else has.”
— Suze Orman [02:05]

“...you would divide the amounts once they're divided by 10... take out between $14,000 and $20,000 a year for the next 10 years.”
— Suze Orman [07:12]

“Especially filing separately... her friend is screwed.”
— Suze Orman [14:09]

“You are going to claim bankruptcy for your mother... you are going to become a warrior, and you are not going to turn your back on this battlefield.”
— Suze Orman [21:40]

“People. First, baby, then money, then things. And you stay healthy and safe... you will be unstoppable.”
— KT [27:19]

This episode serves as a testament to Suze Orman's enduring commitment to empowering listeners with the financial wisdom necessary to navigate life's complexities with confidence and grace.

Transcript

[Susie Orman]

Hi, everybody. Suzio here. Now, what is the goal of money? The goal of money is for you to be secure. And there is no better way for you to be secure than having an emergency savings account. It is essential for your financial foundation. So all of you should be participating in the Ultimate Opportunity savings account at Alliant Credit Union. Go to myalliant.com to find out more. And be secure.

[Unknown]

We are strong we are wise we will not apologize we are here we will thrive Together we will rise we're the little bit of faith and everything it takes we are strong we are wise Together we will rise.

[Susie Orman]

May 1, 2025. Welcome, everybody, to the Women and Money podcast as well as everybody smart enough to listen.

[KT]

Today is what KT ask Katie and Susie Anything Thursday.

[Susie Orman]

And she is so happy to be back in the studio.

[KT]

I know. I missed it. I missed it. I missed my microphone.

[Susie Orman]

Right. And all of you are just going to have to be patient because my voice, as you can hear, it's been giving me trouble recently. So KT actually likes how low it is. Do you like it?

[KT]

I do. It's sexy.

[Susie Orman]

It's sexy. Anyway, so get used to it until it changes again. All right, Go on, kt.

[KT]

Okay, so we've got some great questions here, and the first one is from Betsy. She said, you rock. KT and Susie love you and listen all the time. I'm 76 years old and my hubby is 79. We both have everything in place, including the must have documents.

[Susie Orman]

Yeah, baby.

[KT]

Want to tell them if they don't have a must have document, what to do?

[Susie Orman]

No?

[KT]

Okay, so I understand. I understand my spouse should be my beneficiary of my retirement accounts. She has a Roth and rollover IRA and vice versa. But if I want some of that to go to other members in my family, wouldn't my niece and nephew get taxed on it when my husband gives it to them? She goes on to say, I love you. Your efforts are working for all of us. And this is the best part of the email, everyone. She said, I took over My hubby's 401k when he retired and I have doubled it. So that's incredible. She said, thank you for giving me an education along with confidence.

[Susie Orman]

Yeah, that's actually the goal of the Women in Money podcast. And everybody's smart enough to listen is so that you can be your own best financial advisor. But, Betsy, So I don't understand your question. I just don't. But I'm going to assume what you're asking me which is obviously the reason that I want your husband to be the primary beneficiary of. Of your retirement accounts more than the trust. Because many of you, when you have the must have docs, which happens to be a living, revocable trust, a will, an advance directive and durable power of attorney for health care, as well as a financial power, many of you have tended to make the primary beneficiary your trust. It's so much easier on your beneficiaries, especially if you are married, to make your spouse the primary beneficiary. Why? Because your spouse has all kinds of benefits that nobody else has. The main one being that he can take over your retirement account as if it was his own, and on and on. However, you can have contingent beneficiaries because what if something happens to you and your husband together and that's where you leave maybe your other family members there, and that's how they get it. But if everything is left to your husband, you die. And now he's taking out some of that money. He's the one who's going to have to pay income taxes on it. And he can turn around and just give it if he wants to your other family members. Remember, with the new increase in the amount you can give you now, this year, 2025 can give $19,000 a year to as many people as you want. They do not have to be relatives, anything, and they don't pay taxes on it. So therefore, that's probably what should happen.

[KT]

What is that, like total?

[Susie Orman]

No, 19 total per person. But I could give Sophia 19,000. Travis, 19,000 as many as you want as I could go down the street. In fact, I had the weirdest thing this morning, kt A dream. Not a dream, but I was looking at something, these things that I have, right? And I had this hit of I'm just going to walk down the street and hand people these things that are worth a lot of money.

[KT]

Oh, you mean objects.

[Susie Orman]

Objects like a watch.

[KT]

A watch. Oh, I see things.

[Susie Orman]

Do you want to know my favorite joke growing up?

[KT]

No.

[Susie Orman]

Yes, you do.

[KT]

What is it?

[Susie Orman]

The millionaire. Oh, I had this dream. Not dream, fantasy, dream, but this desire when I got older to be able to go down the street and just give somebody a check for a million dollars and walk away. I wanted to do those things. I kind of still do. And I do. But there is one story, kt, that I just. It reminds me of is that I did give a $10,000 check to a little boy who was supporting his mom. And he went and he Wanted to put it into his bank account and the bank literally thought that he had stolen my checks. There's no way Susie Orman would have given him $10,000. And it was just so very, very sad. So sometimes it's interesting when you give somebody money, what can happen from it? All right, next question. Girlfriend.

[KT]

Okay. Hi, Susie. My 60 year old sister recently passed away. Her 401k is worth $281,000. My other sister and I are the beneficiaries. I am 62. My sister's 64. We also have two other siblings we wish to share it with and they are 59 and 64. We are all still working. The funds will be transferred to an inheritance, 401k. What is the best way to share with our other two siblings?

[Susie Orman]

So, Irene, oh boy. This is why I wish everybody, you would have had a Roth 401K or Roth IRA. It would have made your life so much easier. However, Irene, you have what's known as a traditional 401k that you just inherited, which means taxes have never been paid on it. Therefore, it's going to have to go over to an inherited 401k or an inherited IRA divided equally between you and your sister. Now, those two IRAs are going to have to be wiped clean within 10 years. You could take it all out right now, pay taxes on it, which you wouldn't want to do. You also, however, would not want to let it sit there for 10 years or whatever it may be and then have to take it all out at once. So if I were you, I would divide the amounts once they're divided by 10. So let's just say you each get $140,000. You need, in my opinion, to take out between four, $14,000 and $20,000 a year for the next 10 years. So at the end of the 10th year, it's wiped clean. When you take out the money, you are going to owe ordinary income tax on it. So if you want to give some to your other siblings, they should also have to pay income tax on it. So you would subtract whatever amount of income tax you paid, figure out how much that would have been on the amount you want to give them, and then just give them the money. It's just that easy. Next, Katie.

[KT]

Okay, this is from Will. I really like this one. Will said he misses us. He said, I'm 35. I work full time as the director of nursing at a nursing home. I'm about to start back to college to get my master's in Nursing, which I think will increase my future earning potential. Good. Will said I currently have about 100,000 in retirement, another 130,000 in Fidelity IRAs, home equity, cash, et cetera. He's only anticipating one purchase in the next one to three years, which is a new car. But he said the program he's looking into, Susie, will cost about $30,000 over the next three years. I could afford to pay the tuition out of pocket, but I'm wondering if I might end up with more money in long run by taking out student loans. Now, here's the catch, Susie. He's 35. He already has $30,000 in student loans. And Will says, I hate to add to that, as it is my only debt outside of my home loan. So he just gave you a key word I hate to add to that.

[Susie Orman]

All right, so you give him the advice. What would you do? Quizzy. Pop quizzy.

[KT]

I wouldn't go back for my master's, Will.

[Susie Orman]

Oh, God. I wasn't expecting that.

[KT]

No.

[Susie Orman]

Oh, my goodness.

[KT]

Seriously, you're 35. You're doing a great job. I'm telling you something, boyfriend. I think the nursing industry so needs people like you that are good at what you do. You love what you do, and who cares about earning potential? You're great. Don't go back for the Master's, all right?

[Susie Orman]

But, Will, before you go back for the master's, if you decide to go back and get a master's, you really need to check and see, what would that do for you, financially speaking, if you had a master's, you need to find that out, Especially if you have to take out a student loan or take money out of something else to finance it, what would that money have grown to versus how much really of an increase in your salary will you get? Just something to think about. If, however, you decide that it's worth it and you have the money now to be able to pay 10,000 a year towards it, I would do that rather than going into debt to get it, because why you hate that you have debt. Yes, you hate it. So therefore, don't hate things in life, Will. When you hate something, it makes you negative and all these other things. And you'll never get a job or things in a race that you want if you have anger in you because you're doing something you hate. So I kind of would probably stick by KT's suggestion. All right, next, my dear, you know, KT, I have to say, over the years now, if you go back and you listen everybody to podcasts, I've even been questioning, does it make sense to go to a university at all that costs you 40 or 60 thousand dollars a year?

[KT]

Thank you very much.

[Susie Orman]

Why not a community college? Why not getting, you know, all kinds of things? Be careful, everybody. That's all I can say. All right, go on.

[KT]

Okay, so next question. This isn't actually a question. This is a great email.

[Susie Orman]

Well, I'm so surprised you didn't start with a great email.

[KT]

No. Hi, KT and Susie. I recently visited a friend and her husb. Somehow we got on the thrilling topic of taxes. She mentioned that they decided to file separately this year because it would supposedly save them money. Right away, my gut said something was off, so.

[Susie Orman]

Especially filing separately.

[KT]

Yeah. Wait. Especially since she told me before that she contributes to a Roth ira. I told her my husband and I filed jointly because I was pretty, pretty sure we couldn't contribute to our Roths if we filed separately.

[Susie Orman]

She said, and you live together. Go on.

[KT]

She said, no, you can. Even our tax preparer had suggested married filing separately. Do they live together to reduce the tax bill? Yeah. Now listen. Listen to this. I felt silly for not remembering why my husband and I filed jointly and kind of embarrassed that I may have been wrong. So I followed up on this topic. I found a podcast from August 15, 2021 where you went over the rules for married couples. The income limit is up to 10,000 for married filing separately and living together.

[Susie Orman]

That's right.

[KT]

My friend and I definitely earn way above that and share the same residence with our spouses.

[Susie Orman]

Her friend is screwed. So I was right and she is.

[KT]

Thankfully, I have not changed my filing status. I emailed our tax person and sent the IRS rules to my friend. As an FYI, Susie, you rock. Thank you for taking the time to repeat the information over and over so that it's drilled into my brain.

[Susie Orman]

Yeah, there you go. What's interesting about this, Said she loves you so much. Thank you. Thank you. Anyway, what's interesting about this is that I want all of you to start to take note. Just because a so called professional, a cpa, a financial advisor, says, no, you can do that. You better check it, recheck it and check it again. And when a friend says to you, I've been listening to the Susie Orman show and I think she said that they really should check it again. So it's not that I'm never wrong, of course I can be wrong, but that's just plain stupid. How are we doing, Katie?

[KT]

I think we're doing pretty good. How's your voice? How do you feel?

[Susie Orman]

Are you back in the saddle?

[KT]

I'm in. I'm in the saddle. But how about your little throat and voice? Is it in the saddle?

[Susie Orman]

Back in the saddle again. Come on.

[KT]

All right. Hi, K.T. and Susie. You both inspire me and give me hope. I have just two short questions, but I'm only going to ask one. With my new job, they offer a traditional 401k. They will match 4%. Will I contribute only to the match or maximize the 15%? I'm 49, turning 50 this May with only 70,000 in a rollover Iraq, $40,000 Roth IRA and an emergency fund of $36,000, which is good for about five months for me. So there you go.

[Susie Orman]

She said, so there you go.

[KT]

Are you saying so there you go? I'm saying so there you go. So there you go. So what's your advice?

[Susie Orman]

Are you telling me that the company that you work for doesn't offer a 401 Roth IRA? That they only offer a traditional 401k? Is that true? Because if that's true, where they only offer a traditional 401k, which is a pre tax 401k, then yeah, you're only going to contribute up to the point of the match that 4%. I don't care that, you know, you can put in an extra 11%. Doesn't matter to me. What matters to me is that you have the most efficient use of your retirement money. And the most efficient use would be after the 4%. Open up a Roth IRA and given you're turning 50 this month, you can put $8,000 in your Roth IRA after taxes, which also can be used as your emergency fund, period. The other money I don't care about now, if they do. Why are you laughing?

[KT]

People don't say, I don't care about the other.

[Susie Orman]

Well, you know what I mean. You get it. You get it. But here's the scoop. It may be that your company may offer a Roth 401k, but the match goes into a traditional 401k. And a lot of people think, oh, that means I have to only have a traditional 401k for them to match it. If they have a Roth 401K, then here's what you are to do. You are to put up to 15% if you want in your Roth 401K, they will put the 4% in your traditional 401K. And you can still have an $8,000 Roth IRA if you want. Now you have hit the serious retirement jackpot. Next question. Katie.

[KT]

Okay Susie, this last email, why is.

[Susie Orman]

It the last one?

[KT]

Because it's really long and I want to have a conversation about it. I think it's important. I'm going to read the whole thing.

[Susie Orman]

I know why it's the last one.

[KT]

Why?

[Susie Orman]

Mama Katie, she's trying to protect my voice.

[KT]

I am protecting it. Otherwise none of you are going to get a Sunday. And if you want a Sunday, real deal, authentic. Susie Orman, this is my last email.

[Susie Orman]

Tell everybody I had a Sunday last night.

[KT]

Oh, she did. I gave her a non dairy ice cream.

[Susie Orman]

It was really good because I can't have dairy.

[KT]

And that little bit of a cold on her throat was so nice.

[Susie Orman]

Okay wait, I just have to laugh. Siskt, can you get me a little non dairy ice cream? So she's out.

[KT]

The one flavor she wanted they didn't have. So I brought back four and I'm.

[Susie Orman]

Like, I asked for just a little.

[KT]

But then she wanted to taste all of them. So that was her, that was her plan. So this is an interesting one and I picked it because I think many of you listening will go through this or have already, either for your family or yourselves. Dear Susie and kt, first of all, thank you. My wife and I have learned so much from you. Our children learned more watching your shows back in the day and trying to predict your answer on the can I afford it? Segment than they ever learned in school about personal finances.

[Susie Orman]

So now have them go to my YouTube channel where they can actually play the can I afford it? Game.

[KT]

Go to Susie's official YouTube channel and there's a lot of great stuff on that. So here's my question. My father in law is currently in hospice care and will be passing soon. He has asked us to take care of his wife and we fully intend to do so. In fact, we already own the condo where they live. As part of that he has asked me to take care of the bills which his wife has never been involved with. He then handed me a stack of bills that revealed he has 13 credit cards with about $50,000 in debt. He is currently paying $200 a month to each of the cards, a bit over the minimum payments on each. Now because we have followed your recommendations for 25 plus years now, we could easily write a check to each of the credit cards, cut them up and be done with it.

[Susie Orman]

Over my dead body.

[KT]

However, I don't want that because I am angry not at my in laws but at the predatory credit card companies. They could have run a credit report, they would have seen that he lived on a fixed income and that he already had 6, 7, 8 credit cards he was not paying off. I am furious that two new significantly large companies wrote him and said, we see that you have 11 credit cards already. We would like to be your 12th at a 29.99% interest.

[Susie Orman]

I would love to know the name of those companies.

[KT]

Yeah, we don't have that.

[Susie Orman]

You write me and tell me. Go on.

[KT]

That seems almost criminal to me. I do not judge my father in law at all. They did not live extravagantly. But I am angry at these credit card companies. My question is this. Should I pay these cards off and be done with it, which would not be a burden on us, or should I set up an auto, pay for the monthly minimums and ride it out so that these predatory credit card companies don't get an extra penny?

[Susie Orman]

No.

[KT]

If we do pay it off, should we use our funds or the $100,000 life insurance funds?

[Susie Orman]

No.

[KT]

Susie, thank you so much for all that you do.

[Susie Orman]

That's good because I'll tell you why it's good. Kg I wrote this person and here's the advice that I gave them. Now did you hear what I just said? I wrote this person back personally. Every once in a while when I'm reading these, something touches my heart. Especially if something has gone wrong when it didn't have to to be wrong. And I told him what to do. How can you possibly be somebody like that? If you have a question, you should send it into the asksusie s u z e podcastmail.com and KT does look through them, but so do I and depending on the situation, do not be surprised if you hear back from me. In fact, recently kt, just yesterday morning, there's this woman and her mother had died and her father also had died and the advisor was telling all these things and blah blah, blah. And finally I said, you know, this deserves a one on one phone call.

[KT]

Oh, you called her?

[Susie Orman]

I will. Right. So anyway, I just want to say that asksusipodcastmail.com but here is the advice that I gave this person. All right, so now daddy has died. Now your job is to take care of mom. What's interesting is mom doesn't really have any assets in her name. Her house that she's living in is in your name. The hundred thousand dollar life insurance policy. She could absolutely just say, you know what, I don't want it or whatever and let it go to you so that $100,000 could absolutely go into your name. As well. Now, here's Mom. She doesn't have any assets at all. And all of a sudden, you let the credit card companies know that dad died, and let's see what they do if they come after Mom. Here's the way that you're going to get back at them. You are going to claim bankruptcy for your mother, because your mother doesn't really have any income. She doesn't really have any assets. You are not going to give them the pleasure of letting this money earn 29% interest. You are going to become a warrior, and you are not going to turn your back on this battlefield. You are going to protect your mother. You are going to protect her assets, and you are going to take these banks and let them lose the money. They never should have lent it. They don't deserve it back. And there you go.

[KT]

All right, kt, So I thought that that would be your decision because she's 84 and really healthy.

[Susie Orman]

Yeah.

[KT]

And she has a long way to go, so why have any debt? Just claim back.

[Susie Orman]

Doesn't need that. She never even knew it. And with that hundred thousand dollars from the life insurance policy that the kids now have, they'll take care of her.

[KT]

Yeah, they'll take care of her anyway.

[Susie Orman]

You know, they own the house, everything. So believe it or not, the mere fact that you own the house that she lives in is your father's saving grace. So therefore, that's what I would do.

[KT]

That was great advice. I love that. Because I was thinking the same thing you were thinking, that claim bankruptcy.

[Susie Orman]

All right, there we go. Two great minds think alike. They think alike. All right, everybody, that brings us to the end of an Ask KT and Susie Anything podcast.

[KT]

What are you going to do Sunday?

[Susie Orman]

So Sunday will be Susie's school, and it'll be a little bit different. Is I am going to talk about diversification because many of you are confused. I had diversification in my portfolio. You write me, but yet my money is down. You say you had diversification, but your money was up. Why? So I want to tell you about what my definition of true diversification is. I also want to address Pfizer stock. You know, I've told many of you how much I love it, and it's currently at an 8% dividend. And you're writing me and you're afraid they're going to cut the dividend. I will address that then. Also, I want to talk to you about why it's so important for you to listen every single week to the Women and Money podcast, especially if you follow a stock recommendation. Do you remember a while back? Well, in fact, I'm going to tell you. You're going to have to wait till Sunday.

[KT]

Yeah, don't tell.

[Susie Orman]

And if there's time, I want us to talk about student loans and the changes that have just come back in effect. So until Sunday. There's only one thing, isn't there, Gaethje, that we want you to remember? What is that smile all about?

[KT]

People. First, baby, then money, then things. And you stay healthy and safe.

[Susie Orman]

And so if you do that, kt, what will you be?

[KT]

Unstoppable.

[Susie Orman]

All right. See you Sunday. Bye. Bye.

[Unknown]

We are strong, we are wise we will not apologize we are here, we will die Together we will rise we're the open of faith and everything it takes we are strong, we are wise Together we will rise.

[Susie Orman]

Hi, everybody. Suzie O here. Now, if you are looking for a way to start saving to get the most out of your money, I want you to go to myalliant.com, that's M Y A L L I A N T dot com, and look into opening an ultimate opportunity savings account. Put in at least $100 a month every single month for 12 consecutive months. Earn 3.10% interest on your money right now and get a hundred dollars at the end. Are you kidding me? It's the best deal out there. Start saving right now.

[Unknown]

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