Podcast Summary: Suze & Fitz Talk Money

Podcast: Suze Orman's Women & Money (And Everyone Smart Enough To Listen)
Episode Date: February 15, 2026
Featured Guests: Suze Orman, Keith "Fitzy" Fitzgerald, Producer Robert

Episode Overview

This episode brings together Suze Orman, a renowned personal finance author and expert, and Keith “Fitzy” Fitzgerald, a longtime contributor and market analyst. Together, they answer listeners’ questions about investing, market volatility, real estate, gold, and the future of AI—offering hands-on advice with their signature blend of candor and encouragement. The discussion covers strategies for navigating turbulent markets, selecting investments, the real value of financial advisors, and Keith's major announcement about an upcoming ETF.

Key Discussion Points & Insights

1. Market Volatility: Stay Calm & Invest Consistently

Timestamps: 01:51–06:06

• Current Market Fluctuations Are Normal:
  "These markets are acting normally. There's nothing, despite the headlines, that makes me concerned." — Keith (01:51)
• History Repeats — Stay the Course:
  Keith explains that institutional money and individual investors are constantly shifting, but the long-term market trajectory is upwards. He draws historical parallels, remembering when Amazon lost 90% of its value during the dot-com crash, only to become one of the most valuable companies later (02:37).
• Shopping Metaphor:
  “Everything you want to buy has just been put on sale again.” — Keith (03:31)

2. When to Buy and Sell: The Emotional Factor

Timestamps: 04:07–09:42

• On Timing the Market:
  “Moments in time are not the same thing as moments over time.” — Suze (06:06)
• Only Invest What You Can Leave for 5 Years:
  Emphasized by both Suze and Keith: invest only surplus money, not funds needed soon.
• Dollar Cost Averaging (DCA):
  Consistency is key; buy at regular intervals regardless of market fluctuations. "The advantage to dollar cost averaging is consistency... having the discipline to keep your emotions out of the equation." — Keith (06:32)
• Buying Winners Even as They Rise:
  Continue DCA into uptrending stocks. “You really make your money when the Bears come out to play. You just don’t realize it until the bull’s running again.” — Keith (08:36)
• What If You Run Out of Money to DCA?
  Consider trimming other positions, selling overweights, or using dividends. If you’re out of buying cash, “congratulations, you’re doing the job right.” — Keith (09:42)

3. Listener Q&A: Rapid-Fire Investments, Real Estate, and More

A. The AI Boom & Energy Needs

Timestamps: 10:44–11:32

• Invest in natural gas and conventional energy (Chevron mentioned) rather than relying solely on nuclear, which is years away. “Every big AI company is talking about fueling the incremental demand with natural gas.” — Keith (10:56)

B. When to Sell Stocks

Timestamps: 11:34–12:27

• Suze: Sell when you're nervous or when something fundamentally changes in the company (CEO/strategy change, etc.).
• Keith: "The best time to buy is when nobody wants them... the best time to sell is when people can't get enough." (12:03)

C. Never Sell? Foundational Stocks

Timestamps: 12:27–14:13

• Tesla cited as a personal hold-forever stock by Keith because it’s “rewiring humanity.” (13:01)
• Suze: Foundational stocks anchor your portfolio; don’t sell your foundation.

D. Where to Find Reliable Investment Info

Timestamps: 14:13–15:41

• Keith: Read company annual reports and notes to earnings, not just the headlines. “The key to getting past the noise… is you actually go to the most interesting part of any corporate website or any corporate annual report.” (14:40)

E. Financial Planners: Do You Need One?

Timestamps: 16:09–17:54

• “You want to find the best financial planner in the world? Look in the mirror.” — Suze (16:18)
• Only those with “millions” might truly need an advisor, and even then, vet your advisor carefully.

F. Individual Stocks vs. Index Funds

Timestamps: 17:54–20:26

• Suze blends S&P 500 and selected stocks—a strategy Keith originally suggested.
• Keith: Start with index funds if you’re a beginner, then gradually add impactful stocks (e.g., Nvidia). “In today's market, diversification doesn't work like it used to…” (18:36)

G. Should You Pay Down Student Loans or Fund a Roth IRA?

Timestamps: 20:29–21:48

• Suze: Do both! Don’t miss your annual Roth cap, but never ignore student debt, which is “the absolute most dangerous debt you can have.” (20:39)

H. Gold & Silver: Not Right Now

Timestamps: 21:48–24:19

• Keith avoids metals currently due to financial system leverage and lack of dividends. “With institutions in the game, the risks are a lot higher than people think.” (22:05)
• Suze warns against buying physical gold (e.g., at Costco): “That will be the biggest mistake you make, bar none.” (23:37)

I. Real Estate: Not a Priority Investment

Timestamps: 24:19–27:23

• Suze sold properties due to lifestyle, not bearishness.
• Real estate as an investment is less appealing—liquidity, risk, and costs make stocks more attractive, except for homes you live in.

J. Market Cycles: Bulls & Bears

Timestamps: 27:23–28:24

• Check the social mood: “If everyone’s euphoric, time to sell into strength. If everyone’s scared out of their wits, it’s generally a time to buy.” — Keith (27:35)

K. Palantir & IonQ: Hold for the Long Term

Timestamps: 28:24–31:17

• Both companies are “foundational” and positioned for transformational change.
• Price drops attributed to institutional bets and (possibly) manipulation, not weak fundamentals. Keith would “be happy to pick up your shares if [he’s] got the cash." (31:17)

L. Will AI Destroy Jobs?

Timestamps: 31:17–32:37

• AI is an opportunity, not just a threat. New fields will arise, as with the shift from agriculture to modern industries. “The risk is not losing your job to AI; it’s losing it to someone who knows how to use AI.” — Keith (31:35)

Notable Quotes & Memorable Moments

• On Buying During Dips:
  “You really make your money when the Bears come out to play. You just don’t realize it until the bull’s running again.” — Keith (08:36)

• Foundational Stocks:
  “You always want foundational stocks in your portfolio... you pull out your foundation, everything on top of it will crumble.” — Suze (13:42)

• On Gold & Silver:
  “With the institutions in the game, the risks are a lot higher than people think.” — Keith (22:05)

• Advice for the Nervous:
  “Uncertainty and chaos create opportunity. If you can come to terms with the person in the mirror… everything is going to be okay.” — Keith (34:20)

• Financial Planning Wisdom:
  “You want to find the best financial planner in the world? Look in the mirror.” — Suze (16:18)

Special Announcement: The "Fitz" ETF

Timestamps: 33:01–34:20

• Keith reveals he has filed with the SEC for a new ETF, ticker "FITZ."
• Suze: “We are working for you, to give you an alternative… so you won’t have to worry about when to buy or sell.”
• Details are under wraps due to regulations, but excitement is palpable.

Resources & Where to Find More

• YouTube:
  Suze Orman: youtube.com/SuzeOrman
  Keith Fitzgerald: Search “Keith Fitzgerald” on YouTube

• Women & Money App:
  Search the App Store or Google Play to join their community, ask questions, and access resources.

Conclusion

Suze and Fitzy reaffirm: Stay rational, play the long game, do your own research, and remain the master of your financial destiny. Let volatility work in your favor, embrace dollar cost averaging, and yes—listen to your gut and the “person in the mirror.”

Final Thought:
“People first, then money, then things.” — Suze Orman