Is It Better To Own Actual Gold In My IRA Or In An ETF?

Summary

Podcast Summary: Suze Orman's Women & Money (And Everyone Smart Enough To Listen)

Episode Title: Is It Better To Own Actual Gold In My IRA Or In An ETF?
Date: January 29, 2026
Host: Suze Orman
Guest/Co-Host: KT

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Episode Overview

In this lively "Ask KT and Suze Anything" episode, Suze Orman tackles listener questions that center around IRAs, Roth strategies, gold investing in retirement accounts, and estate planning. KT assists by reading listener queries and sparking on-air banter. The central theme is demystifying complex investment choices—particularly regarding including gold in retirement accounts (physical vs. ETFs)—while providing actionable, Suze-style advice for unique financial situations. Notably, Suze underscores her practical approach with candid, often humorous commentary, aiming to empower listeners to make smarter, long-term choices.

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Key Discussion Points & Insights

1. Correction on Thrift Savings Plan Withdrawals

(02:40-06:03)

• Listener Julie corrects Suze’s previous advice. In TSP accounts, withdrawals are pro-rata—funds come proportionally from each investment (e.g., if you have 50% in a C fund and 50% in G fund, withdrawals will draw equally from both).
• Suze's Fix: To avoid being forced to sell stocks in a downturn, "all of you need an outside retirement account… with at least three months of living expenses above your guaranteed income within that account."
  [05:35 Suze]: “That’s one way you could protect yourself and not have to take equal amounts out of your TSP.”

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2. Backdoor Roth IRA Strategies Clarified

(06:05-09:28)

• Listener Allie asks about order/timing for rolling over a traditional IRA into a 401k to enable backdoor Roth IRA contributions.
• Key Points:
  • To avoid pro-rata rule issues, roll all traditional IRA funds into a 401k before contributing and converting to a Roth.
  • "All the money in the traditional IRA is out by the end of this year, December 31st, just so you know."
  • "Do it all at once and then do the backdoor Roth."
    [08:27 Suze]: “When you convert it to a backdoor Roth, a conversion is deemed to have happened in the year you convert it.”

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3. Traditional vs. Roth 457(b): Don’t Miss Tax-Free Compounding

(09:29-11:21)

• Listener Nicole: Unsure whether she should have chosen the Roth or traditional 457(b).
• Suze's Direct Response: Because Nicole’s salary is modest, the tax savings now are minimal, so a Roth 457(b) is vastly better for long-term compounding.
  • "Are you crazy? So, no, you are to do a Roth457 and you are to never, ever take advice from this person again."
    [10:45 Suze]
• Memorable Moment: Suze’s passionate plea and comic frustration over poor advice given by others.

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4. Gold in IRAs: Physical Gold vs. ETFs

(11:21-16:31)

• Listener Maria asks if she can open a Gold Roth IRA, referencing her massage therapist’s success with a gold traditional IRA.
• Suze’s Stance:
  • Physical gold can’t be held directly in IRAs at mainstream firms (like Fidelity, Schwab); specialized custodians are required, and it’s complicated and risky.
  • If you want gold exposure in a Roth, buy a gold ETF (like GLD).
    [12:22 Suze]: “If you want to participate in gold within a Roth IRA, I think the best way for you to do it at this point is by buying an exchange-traded fund by the symbol GLD.”

Follow-up: Barrick Gold Stock in a Roth

Listener Jana: Husband bought Barrick Gold shares in his Roth; she feared Barrick “went belly up” after noticing the symbol change.

• Suze clarifies: Barrick changed its symbol; the investment actually tripled and the dividend increased.

  • "Your 500 shares did not go belly up, my love. They are now worth about $25,500."
  • “...you should have bought a thousand shares.”
    [15:46 Suze, with warmth and humor]

• Suze’s Shift: Has moved preference from mining stocks to direct gold exposure via ETFs now that gold prices have surged significantly.

  • "That's why I kind of switched to GLD, the ETF."
    [16:28 Suze]

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5. SEP IRA to Roth Conversion Nuances

(16:56-19:09)

• Listener Lauren: Wants to convert SEP IRA to a SEP Roth IRA, asks if market downturn is a good time.
• Suze:
  • Technically possible, but major firms don’t offer SEP Roth IRAs yet.
  • Instead, simply convert SEP IRA to a regular Roth IRA and pay the taxes.
  • If investments are down, now is an opportune time to convert, as taxes owed will be lower on the decreased balance.
  • Explains “tax loss harvesting” doesn’t apply inside retirement accounts. [17:37 Suze]: “You’re not going to be able to do any tax loss harvesting… the money that you have in a retirement account is [not] subject to capital gains or whatever when you sell within there or losses.”

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6. Estate Planning: Inheriting Property in California

(19:09-23:44)

• Listener Amber: Wants to inherit her father’s home in California with minimal tax impact.
• Suze’s Guidance:
  • Make sure the house is in a living revocable trust to avoid probate.
  • Take advantage of Prop 19: If Amber moves in as her primary residence within a year, she can retain the current low property tax base.
  • Amber should ensure the attorney documents clear instructions for Prop 19 compliance and the homeowner’s exemption, protecting the property tax advantage. [22:18 Suze]: “Can you structure the trust so I inherit the home at dad's death as my primary residency and give me written instructions for moving within one year, filing the Prop 19 Parent Child Exclusion and the homeowner's exemption on time with our county.”

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7. Annulment and Social Security Rights

(24:07-27:35)

• Listener Ann: After 20 years of marriage, her marriage ended in an annulment—does she get Social Security on her ex?
• Suze's Answer:
  • Annulment generally means the marriage never existed in the eyes of the law; thus, ex-spouse benefits are usually forfeited.
  • Suze questions whether the annulment is legally valid and suggests Ann consult an expert to review her situation.
  • Suggests ex-husband may have insisted on annulment to avoid perceived obligations. [25:37 Suze]: "If you were married legally at least 10 years or got divorced because it was annulled... you will not, in most cases, qualify for any of his Social Security."
  • Encourages Ann to "get on my warrior outfit and... get that annulment declared invalid and get a divorce," if possible—delivered with her trademark empathy and spark.

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Notable Quotes & Memorable Moments

• On taking listener criticism:
  [04:19 Suze]: “I love when that happens because there’s no way everybody that I could keep up on every single thing that’s happening in the world when it comes to money.”

• Humor in Communication Styles:
  [06:29 Suze]: “KT feels the exact same way.” (On confusion over Roth IRAs.)

• On following the right financial advice:
  [10:45 Suze]: “So, no, you are to do a Roth457 and you are to never, ever take advice from this person again.”

• Missed opportunity with Barrick Gold:
  [15:53 Suze]: “You should have bought a thousand shares.” *[15:57 KT]: “Should have listened to him.”

• Property tax wisdom for California inheritors:
  [22:18 Suze]: “You do not want to lose that [property tax basis] on any level... I’m telling you, it’s worth it, right? It is so worth it, it’s not even funny.”

• On Social Security after annulment:
  [27:01 Suze]: “It doesn’t come from him. It comes from Social Security.” [27:17 Suze]: “If you can, get that annulment declared invalid and get a divorce from him if you can. Sad, KT.”

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Timestamps for Key Segments

| Segment | Timestamp | |-------------------------------------------------|-------------| | Correction on TSP Withdrawals | 02:40-06:03 | | Backdoor Roth IRA Strategies | 06:05-09:28 | | Traditional vs. Roth 457(b) | 09:29-11:21 | | Physical vs. ETF Gold in IRAs | 11:21-13:07 | | Barrick Gold in Roth / Stock Symbol Change | 13:07-16:31 | | SEP IRA to Roth: Market Timing & Mechanics | 16:56-19:09 | | Inheriting Property – Prop 19 & CA Estate Rules | 19:09-23:44 | | Annulment & Social Security Rights | 24:07-27:35 |

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Tone & Final Thoughts

The episode is rich with Suze’s signature blend of warmth, candor, and practical wisdom. She deftly explains complex financial tools in relatable language, always anchoring advice to the listener's best long-term interests. KT’s conversational banter adds levity and connection, especially when she teases Suze about never watching her own TV shows.

Listeners seeking clear, actionable answers—especially regarding gold in IRAs, backdoor Roth mechanics, or inherited CA property—will leave empowered and informed. As always, Suze wraps with her mantra for priorities:

“It is people first, then money, then things. And you stay safe and warm across this country.”
[28:27 Suze & KT]

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Transcript

[A]

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. January 29, 2026. Welcome, everybody, to the Women and Money podcast and everybody smart enough to listen. What is today, Katie?

[B]

Today is a great day, Susie. It's Oprah's birthday. Happy birthday, Oprah, wherever you are.

[A]

You know, out of all the people in my life, that if I were going to name one person that contributed the most to Susie Orman becoming Susie Orman, wouldn't you say it had to be Oprah?

[B]

Absolutely. I mean, that's without a doubt. Susie and Oprah are like, you know, bread and butter.

[A]

Yeah. Want to tell everybody a secret about me and the Oprah Winfrey show and the 30 shows I did? How many? Because most of them were taped. Right. How many did I ever see?

[B]

None, But I have them all.

[A]

Yeah.

[B]

Matter of fact, we have every one of the shows. We have every magazine she ever wrote for for Oprah. And Susie's never, ever sat down and seen herself on the Oprah Winfrey Show. I don't think you've watched yourself on the Susie Orman Show.

[A]

Yeah, I could probably name.

[B]

She doesn't watch herself on any hand.

[A]

Count on one hand the number of shows that I did on CNBC.

[B]

What about Larry King? You were on there like 29 times. Didn't watch that once because it was live.

[A]

I know, but all the other shows were taped and everybody else was watching them. And you would watch them. I'd go in the other room. Don't you think that's all strange everybody? A little bit, but that is besides the point. All right, so happy birthday.

[B]

O.

[A]

Now, this is the Ask KT and Susie Anything edition. What are you taking from me?

[B]

Julie.

[A]

I was going to open with Julie.

[B]

You're going to do it? You don't want me to do it?

[A]

No, I was going to do it. That's why it was in front of me.

[B]

Okay. So I thought I was going to tell everybody who Julie is.

[A]

No, I want to.

[B]

Okay.

[A]

Now, as you know, if you want your question to be answered on the podcast, first of all, KT has to choose it. And you would send in your question to asksusypodcastmail.com that is number one. However, just because she chooses it doesn't mean that I haven't already read it. And the other day, about five days ago actually now I was looking at some of the emails and I read this one from Julie and Julie was correcting me because I was wrong on something. And I have to tell you, I love when that happens because there's no way everybody that I could keep up on every single thing that's happening in the world when it comes to money. This wasn't a major wrong, but it was something that I want to correct. And here's what Julie said to me. I'll just read it directly from her. She says in your podcast from January 22, there was a question from a listener with a TSP that had 50% in the GFUM, which is everybody like a government fund, like a money market, so to speak, and 50% in the C fund, C standing for Common stocks. Susie, you shared the advice regarding retirees having at least three years of living expenses in funds such as the G Fund or money markets, etc. In case there is a market downturn so that retirees don't need to sell funds like the C fund at a loss. She said, now that's great advice that I intend to live by. However, there is a TSP rule that every retiree should know. First of all, at TSP, everybody has a thrift savings plan like a 401k or 403b but for federal workers. Here's what Julie taught me. She said when funds are withdrawn from a TSP in retirement, money is withdrawn from each each of the funds based on the percent invested in each fund. So for the listener with 50% in the G and 50% in the C, let's say the C fund is down and this person is withdrawing $20,000 from her tsp. She can't sell just G. In that example, 10,000 would come from G and 10,000 would come from from C. Interesting. I did not know that. So what is the fix, everybody, to this problem? The fix really is that all of you need an outside retirement account or an account that has at least three months of living expenses above your guaranteed income within that account. And if you then have to take money out, you're taking it from where? You're taking it from either a Roth IRA or an investment account that's in a money market account or a savings account or something like that. That's one way that you could protect yourself and not have to take equal amounts out of your tsp. All right, KT next Question.

[B]

Okay, next question.

[A]

Thanks, Julie, by the way.

[B]

Yeah, thanks, Jules. Next question is from Allie. Hi, Susie and kt. I'm really grateful to you for introducing me me to the concept of Roth IRAs. I love this. I have to admit, I don't always.

[A]

Oh, Katie feels the exact same way.

[B]

Wait, I have to admit, I don't always completely follow you when you explain Roth strategies.

[A]

Like I was saying, KT feels the exact same way.

[B]

So I play your podcast back multiple times until I get it.

[A]

That's the one thing KT doesn't do the same way.

[B]

Me too. The Roth strategy truly is powerful. Here is my question. I have A tradition additional IRA with $470,000 I want to contribute to a Roth using a backdoor strategy. I did some research and I'm able to roll my IRA into my workplace 401k. If I want to contribute for 2025, do I need to roll my IRA funds into my 401 plan first, then then contribute to a traditional IRA and then convert to a Roth? Or does the order of operations not matter as long as my traditional IRA is zero by year end? Okay, everybody repeat that three times back.

[A]

Ali, here's what you got to get. It's actually too late to do anything already for 2025. You have to do this for 2026. And why do I say you have to do it for 2026? Even though I know that you can open up an IRA or Roth IRA right now all the way till April 15th for 2025. That's true. But you want to do a backdoor Roth. So then you, once you open it up, you could do it this year if you wanted to for last year. But when you convert it to a backdoor Roth, a conversion is deemed to have happened in the year you convert it. So that will now be a backdoor Roth for 2026, not 2025. Did that make sense? So here's how I would do it if I were you. I would actually right now roll all of your money from your traditional IRA into your traditional 401k at work. Done. You don't have anything now at all in a traditional ira. I would then fund a non deductible ira and I would absolutely do what with it? I would convert it to a Roth right away and you are fine. That's how you do a back door. Now, do you have to do it all at once? No, you could do little by little by little as long as all the money in the traditional IRA is out by the end of this year, December 31st, just so you know. But just don't play around. Just do it all at once and then do the backdoor Roth. Okay.

[B]

KT I have another Roth question. Susie, this is from does that surprise you since you picked them from Nicole? Kind of making a little theme here. So Nicole said, Hi, KT and Susie, I'm 30 years old. I've been following your advice for the last year.

[A]

I thought she was going to say.

[B]

For the last 25 years. Your advice has given me the confidence to plan for my future. Good for you, Nicole. Last year I started a city job. I make 41,000 doll $500 a year. My job offers a 457B and a Roth 457B. I was planning to pick the Roth because you say it's the better option, but the representative nationwide convinced me to pick the 457B. Should I convert it to a Roth 457B or keep the 457B?

[A]

Now, I won't get too mad at you because you've only been listening to me for a year, but don't you think, Nicole, you rather take advice from somebody like me than this idiot who gave you the advice to do the 457B? Number one, all you are making right now is $41,500 a year. That will put you in one of the lowest income tax brackets out there. Why in the world would you do a traditional 457? To simply save money on taxes, which will be very little and giving up compounding tax free with a Roth. Are you crazy? So, no, you are to do a Roth457 and you are to never, ever take advice from this person again.

[B]

KT so, Susie, my next question's from Maria. So keep up with me. I'm all over the road today. My massage therapist mentioned she rolled over her husband's work traditional 401k into a gold traditional investment IRA two years ago and it has doubled since then. Is that possible?

[A]

Susie? Yes, it's possible.

[B]

So now Maria said, susie, I was thinking of maybe a gold Roth ira. So what do you say to that? Is there a gold Roth IRA actually.

[A]

Within a traditional Roth ira, or IRA for that matter, one that you would get at Fidelity, at Schwab, at a major brokerage firm. You cannot hold the physical commodity gold. You cannot do it. To buy the physical commodity and hold it in an ira, you have to go through. It's just a mess. There are ways for you to do it like your massage person did, but personally I don't think it's worth it. Maria, here's the thing. Right now, when you have gold that has gone up so high, do I think from here it can double? I do not. However, if you want to participate in gold within a Roth ira, I think the best way for you to do it at this point is by buying an exchange traded fund by the symbol gld. Just that simple. Why are you looking at me like that?

[B]

Well, because I have another gold question. Of course you do. Are you ready?

[A]

All right.

[B]

And this kind of follows suit. This is from Jana. She said, my husband and I listen to you all the time. Back In June of 2022, you recommended a gold stock by the name of Barrett Gold.

[A]

I most certainly did. One of the best calls I've ever made. All right.

[B]

It was $18 at the time.

[A]

Yeah.

[B]

The symbol was G, O, L, D. Yep. All right. I remember my husband wanted to buy 1000 shares and I didn't. So we decided to only buy 500 shares or about $9,000 in his Roth.

[A]

Fabulous. See? Okay, well, wait a minute. There's gold in a Roth.

[B]

All right, there you go.

[A]

Listen closely. Maria, what happened here?

[B]

Listen to what Janice said. She said he never shared much with me about money. I always was afraid to do anything. He recently died, so I'm trying to figure things out. Susie, I looked up the symbol G, O, L, D and it shows a stock, but it's not Barrick. Did Barrick go belly up? So is all the money gone? I'm just trying to figure things out.

[A]

So.

[B]

So Jana's really.

[A]

So, Janice, here's what happened. Sometime a year ago, maybe not even that Barrett changed its symbol. It's on the New York Stock Exchange under the letter B. Let me tell you a little bit about Barrett so that you know. Number one, Maria, from the question before, Listen closely. All right. The reason that I told Everybody back in 2022 to buy Barrick Gold is number one. I thought eventually it would go up. But it was also paying 40 cents a share of a dividend. So it was like a 2 point something percent return on your money, even if gold did nothing. However, over the years, Jana Barrett has raised its dividend to $0.70 a share. Number one, based on the fact that you bought it at $18 a share, that's a 3.8% return just in dividends alone. Fabulous. Given if you look at money markets and things like that are even lower than that right now. Next, if you put in the letter B and look up the price of Barrick Right now it's about $50 a share. So your 500 shares did not go belly up, my love. They are now worth about $25,500.

[B]

That's great.

[A]

Right? So party. So here's the only thing I'm going to say. I'm very number one sorry for your loss, but the truth is, you should have bought a thousand shares.

[B]

Listen, should have listened to him.

[A]

All right. But don't worry. Everything is so great, I can't even tell you you did the right thing. There you go.

[B]

All right, well, good, Jan. And now you know you never lost that Barrick.

[A]

Was a mining company, kt. And the reason I've kind of switched now to gold is that now gold is the commodity. Barrick has also gone up tremendously, obviously, far more than just a double. So that's why I kind of switched to gld, the etf. Oh, I'm so happy for her.

[B]

Me too. I'm really glad she found it. There's nothing worse than trying to figure things out. And basically she thought she lost all that money.

[A]

Yeah. Because you go to putting gold and it's a whole different.

[B]

What? That was only four years ago.

[A]

That's pretty great, right?

[B]

Yeah, that really. That's a huge.

[A]

Actually, truthfully, it was in June of 2022 that I first recommended it.

[B]

Great.

[A]

So it wasn't even four years ago. Anyway, go on.

[B]

All right, so question from Lauren, and this is based on January 22nd episode. She learned all about Iras, and she said, Susie, is it possible to convert a SEP IRA into a SEP Roth ira?

[A]

If you could find one.

[B]

All right, second, if so, how should that be done properly? Three, my current investments are down about 2%. Does that make now a smart time to convert and potentially take advantage of tax loss harvesting?

[A]

Great. Now you're not going to be able to do any tax loss harvesting because everybody, tax loss harvesting is when you take your losses now and are able to offset them for your taxes. So everybody, don't ever make the mistake that, that the money that you have in a retirement account is subject to capital gains or whatever when you sell within there or losses. It doesn't work that way. However, the truth of the matter, my dear Lauren, when the money in a SEP IRA is down and you want to get it into a Roth now is when you want to do it. Because since it's down and you do convert it, you're not going to owe as much on taxes. But it's not known as tax loss harvesting. However, here's the problem. Even Though now, legally, you can have a SEP Roth ira. Okay, good luck finding one. None of the major brokerage firms allow them. I can't find any of them. So here's what you would do. Who cares if it's another sep? Just take your SEP IRA and convert it to a Roth ira, knowing you are going to pay taxes on whatever amount you convert. And now it's all in a Roth ira. And you can keep your SEP ira, funding it for as much as you can every year and then just convert it to a Roth IRA every single year. And that's how I would do it if I were you. All right, Katie.

[B]

So this is from Amber. Susie. She said my father's 78. He's finally setting up his will and trust. He remarried a woman 10 years younger than him a couple years ago. He is in great health. Thankfully. I am his only child and very close to my dear old dad. He intends to leave his house to me and any money, retirement and or investment accounts to his wife. She is in agreement with this as she has no interest in the house. Would likely move back to her home country when he passes. Listen to this. This is like I'm being a detective. Susie. Amber said my dad wants to set up a meeting with him, myself and the trust attorney to go over the plan. Well, wait, why isn't he including the wife in the meeting?

[A]

He can't. I don't know. That's not our problem here.

[C]

Go on.

[B]

All right, so what questions should I ask? My dad inherited the house from my grandparents, does not owe any mortgage or have any debt. We live in California. I know there's specific steps to take to avoid nasty high property tax bills on inherited property. I'm 50, divorced, with college age kids. I plan to move into the home and make it my primary residence.

[A]

Great, Great, great, great.

[B]

I'm feeling very behind in my retirement. Having a paid off home will make a big difference in my future.

[A]

Where does she live?

[B]

California.

[A]

Where?

[B]

Oh, I don't know.

[A]

Okay, go ahead.

[B]

I don't know. They didn't say where. What do you advise? We consider in making a plan for his will and trust.

[A]

Yeah. So here's the big thing, Amber. Obviously California real estate, depending on where it is, has gone up tremendously in value. So when you inherit this house from him, hopefully via a trust, so there's no probate fees because probate fees in the state of California are statutory, will take anywhere from one to two years. You want to make sure that the house is left to you via that living revocable. Trust that he's about to do with you while you're there with the attorney. However, all right, so you get this house and now you get a step up in cost basis on it, whatever it's worth. The day that you inherit it. However, you're also going to see that it's worth far more than when he probably bought it. And the property taxes are going to have skyrocketed unless you do something that they allow in California. And it's called Prop 19. And this is when a parent leaves a property to a child and it's excluded from a step up in property taxes as long as you the child moves into that house within one year and you live in it as your primary residency. If you do that, then you're going to be able to keep whatever property taxes your father has been paying for all these years. That's going to be your property tax and you do not want to lose that on any level. So you're going to have to do certain things with it, talk to the lawyer about it, but you're going to have to file for homeowner's exemption and all these things. But I'm telling you, it's worth it, right? It is so worth it, it's not even funny. Usually kt, they're allow to keep the dad's property taxes based on the tax limit when they do it, plus a million dollars. It's so worth it, I can't tell you. So for your meeting with the attorney, can you make sure that you ask, you write this down, my love, right? Can you structure the trust so I inherit the home at dad's death as my primary residency and give me written instructions for moving within one year, filing the Prop 19 Parent Child Exclusion and the homeowner's exemption on time with our county. Have them draw that up for you so that you do it exactly like they tell you. Because if it doesn't work after they've drawn it up for you, guess who you can come back and get the lawyer that did it. So that's what I want you to do. Fabulous for them, right?

[B]

All right, next question.

[A]

Do you know that if she had other brothers and sisters, she doesn't and all?

[B]

No, only child.

[A]

I know, but let's say she did. So everybody, you should know this. In California, if one child moves in there as their primary residency and then they don't want to live there anymore, then another child can move in within that next year. They can keep it going.

[B]

Just so you know, as their primary. That's right. All right, next question's from Ann. She said, thank you for your podcast. They've been invaluable to me and to many others who listen. Regarding Social Security benefits. After 20 years of marriage that ended in an annulment.

[A]

How's that possible?

[B]

I know. I don't know. Would I be eligible to receive one half of my former spouse's Social Security?

[A]

Wait, did she say that it absolutely already ended in an annulment?

[B]

After 20 years of marriage that ended in an annulment, it already happened.

[A]

And are you sure or did your ex husband tell you that it ended in an annulment? Are you positive that it did? 20 years is a long time to be married and end in an annulment, but let's just say for now it did. What's the question, KT So the question.

[B]

Is regarding Social Security. Is she eligible to receive one half of my former spouse's Social Security benefits? She said she understands it's a complex situation.

[A]

It's a complex situation because she allowed it to happen. Why, Ann, would you even allow that? Why didn't you just get divorced? If you look at the rules, you only get part of your spouse's or ex spouse's Social Security if in fact you were married legally at least 10 years or got divorced because it was annulled, meaning you were never married to him. That's what an annulment means. So given you were never married to him, you will not, in most cases qualify for any of his Social Security. However, there are, I am sure, limited technical exceptions. And you should check whatever state you live in. There are specific state laws. In which case maybe Social Security treats it differently. It's something that I would absolutely look into, given how much money we're probably talking about here. If you it were me, I would have an expert review your decree that you really have an annulment and the annulment is valid. Want to know what I really think, Katie? I'm not sure Ann knows that it's absolutely valid. I think her. This is going to be crazy what I think, but that's not unusual. I think her ex husband thought if she got benefits, he was going to have to be the one who paid her. He may not have gotten that. If she got ex benefits from him, it doesn't come from him. It comes from Social Security.

[B]

It doesn't lessen his.

[A]

It doesn't lessen his. And so why else would he most likely have wanted to do an annulment unless he just really wanted to punish her seriously? So Anne, if I were you, I would get on my warrior outfit and I would do whatever I can to get that annulment declared invalid and get a divorce from him if you can. Sad kt. So I think we have to end on that one.

[B]

It's sad, right? Annulment after annulments, I thought were when two kids run away to Las Vegas, they drink too much, they get married, they come home, tell their parents, and the parents say, oh, this is getting annulled. Something is not something.

[A]

Right. And are you sure he got one or did he just tell you he got one? I don't know.

[B]

She would have to know. A marriage is a marriage. Two people have to know.

[A]

Well, let's just an you check it.

[B]

Out so everybody let us know. I'm curious.

[A]

Yeah, we are. So I have no idea what I'm going to do for Susie school on Sunday. So you want to say anything else before we go? Katie.

[B]

Happy birthday again, Oprah.

[A]

All right, so until Sunday, there's only one thing that we want you to remember when it comes to your money. Sweetheart, tell them everything. What do I want them to know?

[B]

It is people first, then money, then things. And you stay safe and warm across this country.

[A]

Stay warm, stay warm. And seriously, given everything that's going on out there, which I think is such a heartbreak, and I have to tell you, I think it is so wrong, it's not even funny. Please, all of you stay safe. Bye. Bye. We are strong we are wise we will not apologize we are here we will thrive Together we will rise we're the better faith.

[B]

It takes we are strong we are wise Together we will rise.

[A]

Hi, everybody. Suzie O here. And I have to tell all of you there is one benefit that I know all of you need and your corporations need to offer, and it comes from a company that I help co found over five years ago by the name of Secure Save. So whether you're an employee or an employer, I want you to go to securesave.com Suzie S U Z E and take a look at what I have for you there. I promise you, you're going to like it.

[C]

All right now, neither Suze Orman Media nor Suze Orman is acting as a certified financial planner advisor, a certified financial analyst, an economist, CP accountant or lawyer. Neither Suze Orman Media nor Suze Orman make any recommendations as to any specific securities or investments. All content contained in this podcast is for informational and general purposes only and does not constitute financial accounting or legal advice. You should consult your own Tax, legal and financial advisors regarding your particular situation. Neither Suze Orman Media nor Suze Orman accepts any responsibility for any losses which may arise from accessing or reliance on information in this podcast. And to the fullest extent permitted by law, we exclude all liability for loss damages, direct or indirect, arising from the use of this information. The must have documents discussed in this podcast are legal documents created by a lawyer and distributed by Hay House. Thanks for listening.