Is Now a Good Time to Refinance My Mortgage?

Summary

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

Episode: Is Now a Good Time to Refinance My Mortgage?
Date: September 25, 2025
Host: Suze Orman with KT

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Episode Overview

In this engaging Q&A-style episode, Suze Orman and her partner KT answer listener questions covering timely topics such as trust funding, retirement account rollovers, brokerage versus IRA investing, SEP Roth account availability, financial advisor fees, the mechanics of Roth contributions, and—most notably—the ever-pressing question: "Is now a good time to refinance my mortgage?"

Suze brings her signature candor, clear analogies, and decades of expertise to help listeners make smarter financial decisions, all while keeping the tone light, humorous, and accessible.

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Key Discussion Points & Insights

1. Personal Updates & Family Moments

• Humorous opening about Suze’s “flat” hair after a keratin treatment in Florida, and a lighthearted mention of KT’s gift to their one-year-old great nephew (01:00–02:20).
• Emphasis on family values over material things.

2. Funding a Trust: What Does It Mean?

• Listener, Linda: Asks what “fund your trust” entails and whether it should happen before notarizing documents.
• Suze’s Analogy:

  “A trust is like a suitcase where you have to pack things in it... If you have a suitcase and there’s nothing in it, then... you open it up and there’s nothing there.” (03:05)

• Practical Steps:
  • Create and notarize the trust.
  • Change titles on assets (bank accounts, brokerage, property) to the name of the trust/trustee.
  • Must Have Documents process provides instructions (03:35–05:35).

3. Rollover from Roth 401(k) to Roth IRA: Lump Sum or Dollar Cost Averaging?

• Listener, Liza: Lost job, wants to roll over $34,000 from Roth 401(k) to Roth IRA and wonders about investing timing (06:11).
• Suze says:
  • If money was already invested, “I would actually just totally invest.”
  • If transferred in cash form, then consider dollar cost averaging (06:54).

4. Maxing 401(k): Where Next? Traditional IRA vs. Brokerage Account

• Listener, AC: Not eligible for Roth IRA, wonders if additional retirement investments should go into a traditional IRA or brokerage account (07:41).
• Suze’s Surprising Guidance:

  “I would do a brokerage account. ...When you do go to take it out, you will only pay capital gains tax if you have a gain. ...If you die... they get a step up in basis... You put it in a traditional IRA ...you die. ...Totally taxable. An investment account over an IRA any day if you ask me.” (08:14–10:18)

5. Roth SEP IRA: Availability & Workarounds

• Listener, Karen: Asks about finding a Roth SEP IRA provider (10:22).
• Suze:

  “If you can find one.”

  • Most institutions don’t offer Roth SEP IRAs despite new rules allowing them.
  • Best workaround: contribute to a SEP IRA and convert it to a Roth, paying taxes on conversion (10:53–11:33).

6. 401(k) Rollover after Job Change: Roth or Traditional?

• Listener, Miguel: Has a small ($650) traditional 401(k), wants to avoid unnecessary tax hit (11:33).
• Suze’s Gentle Support:

  “Miguel, listen to me, you are to convert it to a Roth IRA. Absolutely... I’d rather you take a tax hit on $650 now, than years and years from now...” (12:10–13:17)

  • Suggests investing in VOO ETF.

7. Paying Advisor Fees vs. DIY Indexing

• Listener, Jenny: Pays 1% to Merrill Lynch for SEP IRA investments, wonders if she should move to Fidelity (13:17).
• Suze’s Test:

  “A financial advisor should, at least in my opinion, beat the Standard and Poor’s 500 index. ...If your advisor has not beat it, what are you paying for?” (13:49–15:04)

8. Transferring Stocks from Brokerage to Roth IRA

• Listener, Steph: Wants to transfer shares directly from brokerage account to Roth as contribution (16:55).
• Suze:

  “The easy answer to that is no, you cannot. ...Only cash can be considered a contribution when investing in a contributory Roth.” (17:21)

9. Using Out-of-State Trust Documents

• Listener, Cindy (Texas): Attorney claims her California trust isn’t valid in Texas (18:12).
• Suze's Firm Rebuttal:

  “Your lawyer is 100% wrong... The must-have documents chose California because they have the most liberal trust laws anywhere.” (18:55)

10. 401(k) Catch-Up Contributions and Age Rules

• Listener, Carlene: Turns 60 in January, wonders about eligibility for $11,250 catch-up (20:29).
• Suze’s Pop Quizzy:
  • Only for ages 60–63, not before or after (20:50–21:03).

11. Main Topic: Is Now a Good Time to Refinance My Mortgage?

• Listener, Kara: Bought house two years ago at 6.125% interest. Should she refinance at current 20-year rate of 5.5–5.375%, or wait? (21:21)
• Suze’s Assessment:

  “Interest rates probably will go down further, but again, then you never know...If you did it [at those rates], it would probably be okay, but you might just want to wait a little.” (22:06–22:55)

  • Encourage checking if it’s a special offer and how long it will last.
  • "So there you go."

12. Bonus Quizzy: Roth Conversion Five-Year Rule for a Listener Over 65

• Listener, Dr. S.D.: Opened a Roth in 1994, consolidated/converted in 2025, is the five-year clock a concern? (23:00)
• Suze’s Clarification:

  “Because when you converted ... into a Roth IRA that had already met the five year time clock and you are over 59 and a half, you can take anything you want out without taxes or penalties whatsoever.” (25:31)

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Notable Quotes & Memorable Moments

• On simplicity of trusts:

  “A trust is like a suitcase where you have to pack things in it...so it can easily go from you to your beneficiaries.” —Suze, [03:05]

• On advisor fees:

  “A financial advisor should ... beat the S&P 500 index. ...If the advisor has not beat it, then what are you paying for?” —Suze, [13:49]

• On Roth conversions:

  “I’d rather you take a tax hit on $650 now than years and years from now maybe taking a tax hit on $5,000, $10,000, $15,000 or more...”—Suze, [12:10]

• On refinancing:

  “Interest rates probably will go down further, but again, then you never know.” —Suze, [22:06]

• KT, humorously, on the show’s popularity:

  “It should be [the KT show]. I bet the ratings will skyrocket if there's ratings on a podcast.” —KT, [02:35]

• On main lesson:

  "People first, then money, then things." —Suze and KT, [27:02]

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Timestamps for Key Segments

• 01:00 – Family anecdotes about birthdays and Suze’s hair
• 03:05 – Funding a trust explained
• 06:11 – Roth 401(k) to Roth IRA rollover investing
• 07:41 – Traditional IRA vs. brokerage for extra investments
• 10:22 – Finding a Roth SEP IRA
• 11:33 – Small-balance traditional 401(k) rollover decision
• 13:17 – Should you pay 1% advisor fees?
• 16:55 – Can you transfer stocks as Roth contributions?
• 18:12 – Are California trusts valid in other states?
• 20:29 – 401(k) catch-up rules by age
• 21:21 – Is now a good time to refinance mortgage? [Main topic]
• 23:00 – Roth conversion five-year rule for 65+
• 27:02 – “People first, then money, then things.” (closing mantra)

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Tone & Style

The episode is lively, informal, packed with useful analogies, and delivered with the warm, occasionally playful banter that Suze and KT are known for. Listeners feel both empowered and entertained, receiving actionable advice on complex financial questions with the clarity that Suze is famous for.

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Summary in a Nutshell

This episode covers a broad range of financial questions with the main thrust being practical mortgage refinance guidance: Rates may drop but are currently favorable, so research timing and special offers carefully. The show also provides a masterclass on trusts, rollovers, IRAs versus brokerages, advisor fees, and key retirement rules—all presented with Suze’s trademark clarity, directness, and humor.

Closing Mantra:
“People first, then money, then things.” [27:02]

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. September 25, 2025.

[B]

Wait. Tell everyone why you're laughing.

[A]

Well, why don't you tell everybody why we're laughing?

[B]

So Susie had a keratin treatment yesterday.

[A]

We're in Florida.

[B]

We're in Florida. She had a keratin treatment.

[A]

And my hair can be a little.

[B]

And when I picked her up from the salon, she. She had a little cap on, a little baseball cap. And when we got home, she took it off and I said, oh, my God, where's your hair? So this treatment makes your hair, like, real flat?

[A]

Yes.

[B]

And I. I said, why'd you let him cut it? She said, I never cut not one strand. I said, oh, my God, what'd you do? Susie and I keep looking at her and she's. Her hair's real flat. We should post a photo maybe.

[A]

Maybe. We'll see what happens.

[B]

Anyway, today's a luck day. Keeps flat hair. And it's our nephew, our great nephew Nikki's first birthday. So how does he think it feels, Nikki, to be one?

[A]

You know what I think is so funny, everybody? First of all, welcome to the Women and Money podcast.

[B]

And everyone's smart enough to listen.

[A]

All right, so we've got that down. KT has already just been going, going, going this morning. But what I think is so funny is that everybody's making all these presents. Remember, in our family, we don't really buy things. So I've watched KT paint a coconut, paint all these little figures on it and everything. And I'm like, all these people are going there to be with him. And what's so fascinating, he's not really even going to know it's his birthday.

[B]

Yes, he does.

[A]

Yes, he does. Anyway, kt, you have questions for me today because this is. Ask KT and Susie anything. But most people tuning in maybe for the first time would think, oh, this is the KT show.

[B]

It should be. I bet the ratings will skyrocket if there's ratings on a podcast.

[A]

Well, there's a number of downloads, right. I think. What are we approaching, 50 million? We're approaching a nice number anyway. All right, all right.

[B]

Hi, Susie and kt. What does fund you'd trust mean what do I need to do? Is this something I need to do before getting my must have documents notarized? Please advise from Linda.

[A]

Here's the thing, Linda, that you need to understand. A trust is like a suitcase where you have to pack things in it, you have to put things in it so it goes from one place to another very easily. If you have a suitcase and there's nothing in it, then you get to the place that you're going and you open it up and there's nothing there.

[B]

I love that analogy.

[A]

Oh, I'm so.

[B]

No, I love that.

[A]

Well, I'm so glad. So when you have a trust, I want you to think about it as a suitcase, that you have to put things into that suitcase so it can easily go from you to your beneficiaries that all kinds of things can happen to it when it's in the suitcase. So funding your trust means you have to first do the trust, get it notarized, get it witnessed. Then what you have to do is you have to change the name of, let's say, your individual bank account from, let's just say Susie Orman to Susie Orman, trustee for the Susie Orman trust. You have to change the assets that you have. Your bank accounts, your brokerage firm accounts, your real estate. All of those things get changed from your individual name into the suitcase. And the suitcase has the name of Linda, trustee for the Lynda revocable trust. And whatever date you did it, just that simple. So that's how you fund a trust. Now, when you get the must have docs, and I have a feeling that you're talking about them, and the must have docs are a living revocable trust, an advanced directive and durable power of attorney for health care, a financial power of attorney, and a will. And when you get those and you do them, all of them, you will absolutely have instructions when you're doing the revocable trust of how you fund it. They'll take you through the entire process. And for those of you who don't know what the must have documents are, go to musthavedocs.com for $99, you will get $2,500 worth of state of the art documents. Good. In all 50 states. All right, KT.

[B]

All right, Susie. Next question. This is from Liza.

[A]

Are you sure?

[B]

Yes.

[A]

Do you remember when we saw Liza Minnelli?

[B]

I loved it. I love Liza Minnelli, everybody.

[A]

We got to go backstage.

[B]

Yeah. We saw her on Broadway for her show.

[A]

It was so Good.

[B]

It was great.

[A]

Was it on Broadway or was it.

[B]

No, it was Broadway because we were in New York. We had to walk all the way down the steps to get to her dressing room. The old New York theater.

[A]

Never mind. Next question. Kt we're already done with this podcast.

[B]

All right, so Liza, Liza with a Z. Hi, Susie. I'm 30 old and I lost my job earlier this year with the DOGE funding cuts. I want to roll my former employer, Roth 401k into my Roth IRA. Yes, I have $34,000 in my Roth 401k. Question is, when I roll the funds over, do I dollar cost average this money into my Roth IRA as I normally would do with my investments? If I dollar cost average, am I missing out on money that would have been growing before rolling it over and now sitting in cash? So, Liza, invest in ETFs.

[A]

Yeah. So Liza with a Z, when you transfer that 34,000 into your Roth, if that money had been fully invested, listen to me closely already. Let's say it was in your Roth 401 in a Standard & Poor's 500 index fund. If it was already totally invested when you actually transfer it, maybe you'll transfer it in cash. Who knows? I would not dollar cost average. I would actually just totally invest. If the money that you are transferring was 100% invested at that time. If it wasn't and it was sitting in cash, then I would dollar cost average. All right, K.T.

[B]

Hi, Susie. And K.T. if I am maxing out my 401k, who's this from? A.C. a.C.

[A]

Okay. A.C. that's like K, T, A, C, go.

[B]

Should I add additional dollars?

[A]

Lso.

[B]

Should I add additional dollars to traditional rollover IRA or brokerage account? I have both additional accounts, but I'm not sure which is a better investment for retirement, which I would like to do in about 10 years. My income doesn't allow me to contribute to a Roth ira. Which just in case you were wondering, yes.

[A]

And I said AC AC because as you were, as Katie was reading that to me, I was going, why doesn't you just do a backdoor Roth and you can't do a backdoor Roth. Everybody remember this. If you have a traditional ira, a SEP plan, a simple plan that is pre tax, you'll be, you just don't want to do it if you have one. Now, my answer is going to probably surprise you. AC if you are asking me which is better, a traditional IRA or a brokerage account, I would tell you I would do a brokerage account. And the reason that I would do a brokerage account is because once you make an investment, normally you may keep it for 10 years or longer. And while it's in there, you don't pay taxes on it anyway. But when you do go to take it out, what can happen then? You will only pay capital gains tax if you have a gain. What happens if you have a loss? Then you can take the loss off your taxes. You also may have some things in there that have a gain, some have a loss. So you can offset them all. So you don't pay any taxes. Oh, you die. And now the money goes down to your beneficiaries. They get a step up in basis. So let's just say you took that money and you turned $50,000 into $300,000. You die. Guess what? Your beneficiaries get a step up in basis. They get all of that for $300,000 and they could sell it all, no taxes. You put it in a traditional IRA and it grows and it grows and it grows. Oh, great. Now you go to take it out. Ordinary income. Oh, you've lost money on it. Can't take it off your taxes. You die. And it goes to your beneficiaries. Totally taxable. An investment account over an IRA any day if you ask me. When it's pre tax. All right.

[B]

Okay, next question from Karen. Hi, Susie and kt. I'm reading your retirement book and loving it.

[A]

The Ultimate Retirement guide for for 50 plus.

[B]

Yeah, I remember you've mentioned on your podcast and I just read it in your book as well that a Roth SEP IRA is now allowed.

[A]

Yeah, if you can find one.

[B]

I know. There you go. The question is, do you know of any institutions currently offering one? Do you?

[A]

No. All right, well, listen everybody. I don't understand now that the laws have changed and you can have a SEP IRA as a Roth, no financial institution really is offering it. Maybe I found one, but I wouldn't put my money there. But. So here's what I would do if I were you. It's just such a shame. Fund your SEP IRA and convert it, just that simple and pay taxes on it. When you convert it, it's the same as if you put money into a Roth SEP IRA with after tax money. It would come out the same. All right, go on.

[B]

All right, next question is from Miguel. Hi, Susie. I recently switched jobs and I had a 401k with my previous employer. It is a traditional 401k and I was thinking of rolling it over to my personal Roth IRA or should I open a traditional IRA? And then Miguel goes on to say it's about $650, not much. Hey, every dollar counts, Miguel. But I'd love to move it in the best way possible, avoiding a tax hit. Where should I move this money? Thank you.

[A]

You know, Katie, this is such a sweet question and one that they're all sweet.

[B]

Yes, this one is very. This one very sweet.

[A]

Because people would go, really $650. So. And what you said is every penny counts. Miguel, listen to me, you are to convert it to a Roth ira. Absolutely. Because now what will happen is as you invested and if I were you, I would put all $650 into an ETF by the symbol VOO and let it grow. Because now the money will grow tax free. So take your tax hit now, put it into a Roth IRA and see what happens. It's not going to be that big of a tax hit, but I rather you take a tax hit on $650 than years and years and years from now maybe taking a tax hit on 5,000, 10,000, 15,000 or more when you go to take it out.

[B]

All right, kt Susie, the next question is from Jenny. My husband and I have a business. So we have the SEP IRA accounts. We maximize the amount every year. My question is, we currently have it with Merrill lynch. My hubby's 61. I am 56. They charge us 1% on what we have in the account. Should I move it to a no brokerage firm like Fidelity? So we stop paying the 1% when we stop contributing, it adds up every month.

[A]

So first of all, my dear Jenny, here's how I would look at this if I were you and everybody else wondering this question. Because as I peruse the emails that you send in to asksusie s u z e podcastmail.com all of you seem to be asking this question lately. If you have money with a financial advisor and let's say 100% of it is invested for growth, is it worth it for you to pay 1% or more in fees? Because that will mount up to this financial advisor, here's how I would make the decision if I were you, a financial advisor should, at least in my opinion, beat the Standard and Poor's 500 index. Now, you all know that I really like the exchange traded fund by the symbol voo. Take a look at the return for VOO and if your advisor has beat that. All right, stay with the advisor. If the advisor has not beat it, then what are you paying for? Just that simple. All right, kt Next.

[B]

This is from Steph. Susie. And the reason I love this, it says, pick me, kt. It's a quick and rothy.

[A]

Oh, you know, we should create a.

[B]

A drink. Let's make a. Let's make a smoothie called a frothy Rothy. I'll put it on the. I'll put it on the wall, everybody.

[A]

And what would be in it?

[B]

I'm not going to tell you now. They have to go to the wall to get the recipe.

[A]

Guess what I would have in it?

[B]

Banana.

[A]

No.

[B]

What?

[A]

I would have root beer and. And vanilla ice cream.

[B]

And a banana.

[A]

Maybe one banana to make it.

[B]

Why not? Katie? Okay, that's called a root beer float. I need one. That's called a frothy Rothy root beer. Maybe. Hi, Katie. Hi, KT and Susie. I can't begin to thank you for all the Roth knowledge you passed passed on to me. I currently. I just drank a frothy roll. I just drank my frothy Rothy this morning and currently have a standard investment account and a Roth ira. They are both all invested in great companies you've suggested, Susie. Yippee. That yippee's for real, by the way. My question is this. Now that I know so much about Roth IRA accounts and how to invest well within them, is it possible to transfer shares of these fabulous stocks from my standard investment account into my Roth IRA as my annual $8,000 contribution next year? So, Susie, Steph is over 50. I really don't want to sell those that I have in the Standard, and I sure wish they were in my Raw.

[A]

So when she says standard, she means in her regular investment account. Should I give you that as a pop quizzy?

[B]

Oh, no.

[A]

Why? Why is that?

[B]

No, no, don't. Because I'm on a roll here.

[A]

Oh, really? To all of us. Think she's on a roll?

[B]

I am. Come on, answer the question before everyone forgets the question.

[A]

All right, so, Steph, the easy answer to that is no, you cannot. All right? You cannot transfer stocks that are in an investment account into a Roth IRA and have that be considered your contribution. Only cash can be considered a contribution when investing in a contributory Roth. Could you sell those stocks, pay taxes on them now, and then take that money and put it in as a contribution? Yes, but I'm not sure because I have a feeling you probably have some serious gains in those stocks, especially if they are. Anyway, go on, go on.

[B]

Just enjoy another frothy Rothy. All right. This is from Cindy.

[A]

Oh, Wait, let me put my flat. Let me fluff up.

[B]

Cindy said, Susie, I got the must have documents. I live in Texas. When I listen to this question, everybody, whoa. This make this one my pop quizzy. When I met with an attorney to change the name of my home deed to the trust name, they said my trust document was not valid since it was from California.

[A]

Let me finish this question. And they wanted to do a new trust for them. Go on.

[B]

Says of course they offered to create a new will and trust. Is this so? No, Cindy, you absolutely need to listen to Susie and everyone out there smart enough.

[A]

Yeah. In the same way that you have the ability, Cindy, when you're like creating a corporation for a company you can create and incorporate in really any place you want in Delaware, anywhere. The same is true with a living trust. If you create a living trust governed by the laws of California, it's good anywhere that you happen to be. And the reason that the must have documents chose the state of California is that they have the most liberal trust laws anywhere. So your lawyer is 100% wrong. I just want to make this statement, everybody. Over the years, millions and millions and millions and millions of people have purchased the must have docs from all over the United States. Don't you think by this point in time that would have been noticed if it wasn't possible? Many of those people are no longer alive. They passed everything down to their beneficiaries. Absolutely with ease. There's never been a lawsuit or anything like that against them. So I doubt highly that the manufacturers of the must have documents would have allowed that if it wasn't legal. So therefore they're wrong. And by the way, I just have to say we had the must have document and we live in Florida. Just saying. Go on, KT.

[B]

All right, next question is from Carlene. I turned 60 in January 2025. Do I qualify for the additional catch up amount of $11,250 on my 401 for the 2025 tax year?

[A]

Pop quizzy.

[B]

Yes.

[A]

What if she had turned 64? Would she have qualified?

[B]

I think yes.

[A]

No, it's only grade between the ages of 60 and 63.

[B]

I didn't know that.

[A]

Of course you did.

[B]

Don't ask me.

[A]

Don't ask me why. That's the law. I don't know why they did. Yes, you absolutely qualify for that catch up contribution. Without that. Let's say you were 59. Let's say you were 64. It's only like $7,500. All right, go on.

[B]

Katie. Okay, my final question is from Kara. And I picked this one because it said in the subject, is now a good time to refinance my mortgage? Hi, Susie and KT. I bought a house two years ago. I have a 30 year mortgage with an interest rate of 6.0.125%. I've been watching mortgage interest rates, waiting for them to go down so I can refinance to a lower rate. Two local credit unions have 20 year mortgage refinance rates of 5.5 and 5.375. Should I lock in one of these lower rates now or wait to see if the interest rates go down further?

[A]

Interest rates probably will go down further, but again, then you never know.

[B]

Never know how, when, right you.

[A]

You never know. They should go down sooner than later. We'll see. But truthfully, the current rate on a 20 year mortgage, if you were to get it, is still at about 6.10%. So those are really great rates. So I don't know. I think if you did, it would probably be okay, but you might just want to wait a little. Is it a special offer that these credit unions are offering right now or is it going to go away? So can you just ask your credit unions, is this a special or what do they think? Because it might be a special to get you to do it now and it's going to stay that way even if they lower rates. So there you go.

[B]

Okay, Susie, that's a wrap.

[A]

I don't think so.

[B]

Oh, no.

[A]

Yeah, you're right.

[B]

Oh, no.

[A]

I have.

[B]

She's doing it. She's bringing back the quizzes.

[A]

Right. So this is where I asked KT a question and all of you are being asked the same question. And I want you to be able to answer this question. This is from Dr. S.D. all right. Hi, ladies. I love listening to the way the two of you interact. Oh, yeah. Like today. Anyway, it is so much fun. In addition to being a learning experience. I just listened to both Roth podcasts together. Did I do this right? I am over 65. Okay. I opened a Roth in 1994. It had about $60,000 in it. So I opened a Roth on January 10, 2025 and transferred everything from my Schwab account that I had opened in 1994 to a new account at Fidelity, feeling it was time to consolidate. So KT, just to be clear, this person is 65. They opened a Roth in 1994 at Schwab. The beginning of this year, they opened up another Roth at Fidelity, and now they want to transfer the Money from the Schwab account to the Roth account at Fidelity. Here's the question. Right after that, I converted my traditional IRA about $30,000 into the Roth. And I know I will owe taxes. The conversion has its own five year clock, which I read starting January 1st of the year I did the conversion. So in my case, can I withdraw the money I converted, but I have to wait five years to withdraw any earnings on the converted amount? Is that right?

[B]

I believe, yes.

[A]

You thinking about this?

[B]

Yeah, I think it's. Again, no, wait, wait, wait, wait, wait. Hold on. 65.

[A]

And she had a Roth all the way back to 1994.

[B]

I think the doctor's exempt from having to owe anything at this point.

[A]

Ding, ding, ding, ding da ding da ding. Because when you converted DOC into a Roth IRA that had already met the five year time clock and you are over 59 and a half, you can take anything you want out without taxes or penalties whatsoever.

[B]

I learned from all of Susie's roth lessons that 59 and a half is a really magic number everyone just needs to remember.

[A]

And a Roth that has been open for at least five years. All right, Katie, now that's, that's a rothy frothy wrap. All right, everybody. So until Sunday though, it looks like we have a hurricane possibly coming our way.

[B]

Yeah, we're in the season, Susie.

[A]

Right. So there's one. This invest 94, I think it is, isn't looking so good for us. So hopefully if everything goes the way it should because we're on our way back now to the island now that I have flat here. Right. So anyway, and so we'll see what happens. But hopefully Sunday we'll be here with a Susie School. I'll be here.

[B]

And happy birthday, Nikki.

[A]

Happy birthday, Nikki. Happy Rosh Hashanah, everybody.

[B]

Happy New Year.

[A]

Right, Happy New Year. And until then, there's only one thing that we want you to remember and it is this.

[B]

People first, then money, then things.

[A]

Now you stay safe, healthy and secure. Bye bye. Now. We are strong, we are wise we will not apologize we are here, we will thrive Together we will rise we're.

[B]

The open of faith and everything it.

[A]

Takes we are strong, we are wise.

[B]

Together we will rise.

[A]

Hi, everybody. Suzy 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.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 $100 at the end. Are you kidding me? It's the best deal out there. Start saving right now.

[C]

Neither Susie Orman Media nor Suze Orman is acting as a Certified Financial Planner and Advisor, a Certified Financial Analyst, an economist, cpa, 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.