Ask Suze & KT Anything: Rapid Fire RMDs, Series I Bonds and Trusts


Investing, Podcast, Retirement


July 14, 2022

Listen to Podcast Episode:

On today’s edition of Ask Suze & KT Anything, Suze answers questions about RMDs, Trusts, Series I Bonds and more.


Podcast Transcript:

00:00:21

Music In 00:00:33

KT: Thursday July 14th, one week before. What? My birthday!

00:00:40

Suze: It's your birthday.

KT: It's my birthday.

00:00:43

Suze: Are you excited about your birthday?

00:00:47

KT: No, I'm not excited about my birthday. There's only one thing that I'm excited about and that's to go fishing with you in British Columbia.

00:00:57

Suze: But you'll be okay if I can't go right?

00:00:59

KT: We're going.

00:01:00

Suze: Oh God, everybody alright. Alright, so KT is bringing everybody up to date since we were last on the podcast with them. So much has happened. We did a fishing contest

00:01:16

KT: and we won

00:01:17

Suze: We did.

00:01:18

KT: We tell everyone we know. Okay, so that was the July fourth family weekend fishing contest. We were so excited

00:01:27

Suze: by lightning.

00:01:29

KT: Yeah, we won, we won the contest everyone. And we, we even got a prize which we didn't expect 00:01:36

KT: and we got a beautiful plaque. We won for the largest snapper and the overall best anglers of the day.

00:01:43

Suze: I'll post a picture of it.

00:01:46

Suze: Do you want us to post one of you? Me and Colo are just cool with it.

00:01:50

KT: No, the one of Colo with our winning fish is fabulous because he's so big that you can see how big the fish was. Well no post the one of the three of us because we're so little next to him.

00:02:02

KT: That the fish will look even bigger. So it was a 9 pound snapper.

00:02:04

Suze: No it was not, do not exaggerate Miss Travis.

00:02:11

KT: It was

00:02:12

Suze: Actually, it was 8.8 lbs.

00:02:15

KT: Big fish.

00:02:16

Suze: Listen to her everybody. But the true point of the matter is the next fish to give you an idea in that category was like 1.5 pounds. Nobody had ever seen

00:02:31

Suze: a snapper

00:02:32

Suze: as big as this.

00:02:34

KT: And we ate it. Wait tell them.

00:02:35

Suze: We ate it.

00:02:36

KT: The next night the next day because we, we freeze it, we don't freeze it. We put it on ice and to brine it overnight on ice and salt water.

00:02:46

Suze: But also let's tell everybody why it took so long

00:02:51

Suze: to repair everything at our house.

00:02:54

KT: We got hit by lightning but we told everyone that.

00:02:57

Suze: But why did it take so long?

00:02:59

KT: We didn't have any.

00:03:02

Suze: We didn't? What do you mean? Why’d it take so long? So everybody be very careful

00:03:04

KT: The team had to come over to repair it.

00:03:06

Suze: So five people came over

00:03:09

KT: the whole team

00:03:10

Suze: air conditioning people, the electrical people, the roofing people. But here

00:03:16

KT: And the computer smart house guy that that had to string it all together.

00:03:21

Suze: So here's advice that I'm going to give to all of you before we start the ask Suze and KT anything, 00:03:29

KT: any

00:03:30

Suze: podcast. Alright. Which is

00:03:34

Suze: be very careful if you ever build a house,

00:03:37

Suze: you buy a house and they have a smart system in it, which means

00:03:43

Suze: that you push one button and you can control the lights anywhere in the house. So at night when we want to turn all the lights out in the house, I can push one button next to my bed, bam. I can turn on one room and the other. The problem with that

00:04:02

Suze: is that if one module goes out,

00:04:06

Suze: you can't operate anything. And right now those modules are on backorder until February 2023. 00:04:17

KT: We were so lucky that our contractor happened to have a spare because he put the same smart system

00:04:26

KT: in his home. 00:04:27

KT: So we were super lucky.

00:04:29

Suze: Otherwise we would have been without lights till next February 2023. The part of the house however, which was you just flip on the switch and you have to flip it off and it only controls that room. But all the guest rooms, everything,

00:04:46

Suze: they were fine.

00:04:47

Suze: It was our half 00:04:49

KT: no it was the kitchen, the living room, the dining room and our living suite and our recording studio. Most of all we didn't have power.

00:04:58

Suze: Right. So we had power,

00:05:00

Suze: but then they had to disconnect the

00:05:02

KT: power to

00:05:04

Suze: fix the power. But anyway,

00:05:06

KT: we're all good. Now ready to get on with this and tell you everything you need to know.

00:05:11

Suze: Alright then.

00:05:13

KT: July 14th

00:05:15

Suze: But here's what we're going to do for July 14th.

00:05:18

Suze: For the rest of this summer, KT wants to do rapid fire. She is only taking small, short, easy to understand questions.

00:05:31

Suze: So if you want to get on the podcast,

00:05:34

Suze: you write to asksuzepodcast, S-U-Z-E, @gmail.com. If they're short

00:05:41

Suze: or if you go on to the women and community app

00:05:45

Suze: and they are short,

00:05:47

KT: she's gonna select them.

00:05:48

Suze: All right Travis go for it.

00:05:51

KT: Okay, so Thursday, July 14.

00:05:56

Suze: How many times you want to tell them? This is July 14th.

00:05:59

KT: Just getting ready for my birthday. Okay, here we go. First question is from Jennifer again, Series I bonds. What do you have to pay tax on your contribution and interest or just the interest earned?

00:06:13

Suze: Just the interest earned girlfriend. And you only have to pay it on the federal level, not the state level.

00:06:21

Suze: And you don't have to pay it until you redeem your bond. Next one girlfriend.

00:06:25

KT: Okay, next one's from Jasper.

00:06:27

KT: So, Suze, do you still think we should dollar cost average into index funds?

00:06:32

Suze: You bet I do. As long as you have 5, 10 or 15 years or longer till you need the money. It may very well be until 2027 until these markets truly come back. You should see your face.

00:06:48

KT: I know that makes me nervous. But next question is going to Europe.

00:06:51

KT: Better address this one. So from Francis, Suze, will oil stocks come back up?

00:06:57

Suze: Depends. Alright, that is why a few weeks ago,

00:07:00

Suze: I think it was on a Sunday. I said to all of you. If you have a profit in Exxon. If you got in a long time ago, you might want to think about taking it out. Oil stocks have come down tremendously.

00:07:14

Suze: However,

00:07:15

Suze: they are still paying a serious, serious dividend and since all of you were under total instructions, total directions to only dollar cost average into anything,

00:07:29

Suze: As the price started to come down, you started to buy it at a lesser price.

00:07:35

Suze: That meant the interest that you were making went up and oil will return. I still think it might. 00:07:41

KT: Okay, good. Next question is from Bethany. So Bethany said Suze, could you please do a Suze School on retirement? Oh, can I answer this?

00:07:52

KT: Bethany, Suze has the most fabulous new book right now.

00:07:59

Suze: It's over two years old.

00:08:02

KT: It’s new. It’s new for Bethany.

00:08:06

KT: Go and get Suze's book, The Ultimate Retirement Guide for 50+, it's going to give you all kinds of advice whether you're self-employed, whatever you need to do and that's what you should do. But here's her question.

00:08:21

KT: Why would a business buy Series I bonds?

00:08:25

Suze: A business would buy it because you as a person want to buy more than $10,000 of Series I bonds. 00:08:34

Suze: So you can buy 10,000 which is the max for a person, you could buy $10,000 for a business, same social security number if you want and same thing as a trust. Also, I just want to say KT, if you're going to buy The Ultimate Retirement Guide for 50+,

00:08:51

Suze: Buy it through suzeorman.com/ultimate

00:08:56

Suze: $10.

00:08:57

KT: Yeah, that's right. $10.

00:09:01

Suze: $17 at Amazon but it includes shipping. What a deal.

00:09:08

KT: I think we're losing money on it.

00:09:10

Suze: Well, I think you all wanted to make sure everyone had

00:09:12

KT: We don't care about the money we want to make sure you know the answers. Okay, Leslie.

00:09:18

KT: Hi Suze. You've probably answered this question 100 times.

00:09:23

Suze: Let me guess. It's on I Bonds.

00:09:27

KT: It said

00:09:29

KT: Should I, and and this is, you're not gonna like this one. She recently retired. She's getting bombarded by financial advisors every day. Some of them say I should put my 403(b) into an

00:09:42

Suze: annuity.

00:09:44

KT: Others say annuities are not the way to go. What is your advice, Suze?

00:09:49

00:09:50

KT: Can I answer this again?

00:09:51

Suze: Just tell everybody the look on my face.

00:09:53

KT: You don't want to know the look on Suze's face, Leslie. But why do you have all these financial advisors? Just look in the mirror. That's what Suze said. That's the best

00:10:04

Suze: I say, if you want to find the best financial advisor in the world,

00:10:08

Suze: look in the mirror because why KT?

00:10:10

KT: Nobody cares about, about your money more than you.

00:10:20

Suze: High five girl, high five baby. All right. So, here's the thing. It depends on the needs that you have for this money.

00:10:25

Suze: If you need this money to provide income for you,

00:10:29

Suze: maybe a portion of it could go into an annuity that pays you income. Should you go into an annuity,

00:10:36

Suze: especially since you're in a 403(b), and you're going to do an IRA rollover with it? Are you out of your mind? No way. Especially with the markets going down. I'm sure they're gonna say you need to go into a variable annuity. I would not at this point in time be going into an annuity.

00:10:56

Suze: I'd rather see you go into a two-year treasury note, 3,3.5% if you want to keep your money safe. 00:11:03

KT: Okay. Next one is from Bill. I like this one. Bill. I love the first line. First he said he loves the podcasts have learned so much from both of us. But ready for this.

00:11:15

Suze: You’re telling me that somebody is saying they've learned something from you?

00:11:19

KT: Both, both of us. And here you go.

00:11:21

Suze: Bill, you just did a horrible thing to me. She's going to take her answers seriously which she should. 00:11:29

KT: Here's what Bill said. I'm 66 years old

00:11:33

KT: and thinking forward, ready when I get to 70.

00:11:38

KT: Mhm.

00:11:40

KT: And if I have an RMD and make withdrawals, can I open a Roth IRA and place those funds after paying taxes into the Roth account? So Bill, what's this whole thing about thinking forward,

00:11:56

Suze: KT, wait, wait

00:11:58

Suze: look at that question closely. What is absolutely

00:12:03

Suze: 100% wrong about that question?

00:12:09

Suze: When he gets to 70,

00:12:12

KT: When you get to 70,

00:12:13

Suze: know when does RMD start?

00:12:16

KT: 72.

00:12:17

Suze: That's what's wrong.

00:12:18

KT: Bill, Bill You better think forward a little longer until you're 72.

00:12:24

Suze: So required minimum distributions do not start now until you're 72. And they're actually thinking about moving it to almost 75. So can you take that money and when you do make a withdrawal, open up a Roth IRA.

00:12:42

Suze: You can,

00:12:44

Suze: as long as you have earned income. Alright.

00:12:48

KT: So next is from Teddi

00:12:50

Suze: however 00:12:52

Suze: KT do you know if the money was in a Roth ira to begin with, he would never have to take required minimum distribution. No he wouldn't. He would not. 00:13:02

KT: That's thinking really forward and safe. So next question's from Teddi. So Teddi wants to buy Series I bonds for her Children.

00:13:14

KT: What is the best way to do that?

00:13:17

Suze: Well you know

00:13:19

Suze: it depends, are your kids under the age of 18? Because if they're under the age of 18, you can only buy them as a minor account from your I Bond account.

00:13:33

Suze: However let's say they're over the age of 18 and you want to buy them a gift, you can buy as many people as you want a gift of an I Bond,

00:13:44

Suze: and it stays in what's called a gift account

00:13:48

Suze: under your account

00:13:50

Suze: and you don't have to actually give it to them until you want to.

00:13:55

KT: And what's the minimum amount for that?

00:13:58

Suze: $5. So you can you know what I'm going to keep

00:14:01

KT: buying those like

 00:14:02

Suze: so I'm going to put on the Women & Money app

00:14:07

Suze: on my wall there. You know about what I'm up to. The actual procedure 00:14:13

Suze: of how you would open up a gift account. So again you can download the Women & Money app 00:14:20

Suze: by going to Google Play or Apple app.

00:14:25

KT: She is now telling me to speed up because this is my rapid fire.

00:14:27

Suze: Come on.

00:14:27

KT: This is my rapid fire.

00:14:29

Suze: I'm not saying anything. Go on.  

00:14:32

KT: Okay. Ready. This is from Josephine.

00:14:35

KT: Hi

00:14:35

KT: Suze. I've

00:14:36

KT: just joined the Women & Money community app

00:14:39

KT: a couple months

00:14:40

KT: ago. Wanted to sign up for an Alliant account so I can open a savings account. It asked me how I am eligible for the account. None of the options apply. What can I do?

00:14:53

KT: First of all Josephine. Same thing happened to Suze and me. So when you go to a credit union you have to join a credit union. So tell her how to do that.

00:15:01

Suze: So basically if you really go there and you read it, it says if none of these things apply to you, 00:15:08

Suze: then you just become a member of Foster To Success

00:15:13

Suze: And Alliant Credit Union will pay the $5 for you to be a member of that. Which is a fabulous organization. And then you can also be a member of Alliant Credit Union. Just that simply go back and read carefully.

00:15:29

KT: Easy, easy, easy.

00:15:31

KT: This is from Kim.

00:15:33

Suze: Kim

00:15:33

KT: Krug. I like that name Kim Krug.

00:15:37

Suze: That's because you like Krug Champagne.

00:15:38

KT: I do. But I just like the name Kim Krug. Nice name.

00:15:42

KT: Hi KT and Suze. I listened to the I Bond podcast. Good for you, Kim.

0:15:47

KT: Question. If an I Bond is in my dad's trust

00:15:51

KT: and he dies, can my sister and I who are named in the trust as receiving 50/50 of Dad's assets, can we each take over half of his I Bonds in our names or will they have to be redeemed?

00:16:06

Suze: It depends. So when your father dies, somebody is going to have to have been named trustee successor trustee who is the trustee over everything when your father is no longer alive.

00:16:21

Suze: That's the person who decides, do the I Bonds get redeemed? Do they get transferred into your names or not? So it will be the trustee that you really need to work with to decide what happens. 00:16:34

KT: And Kim may be the trustee right?

00:16:37

Suze: Could be the trustee. So Kim then you may

00:16:40

Suze: actually transfer these into your own name

00:16:44

Suze: and once you do so you will owe taxes on it from the time it gets into your name

00:16:51

Suze: and then continues to grow.

00:16:53

KT: Can she transfer it to both her and her sister?

00:16:56

Suze: It's Kim

00:16:57

KT: Because Kim

00:16:59

KT: I don't know, I think of sister, my sister and I

00:17:03

Suze: that can still be a brother,

00:17:05

KT: Kim whether you're a sister or brother. Can Kim transfer

00:17:10

KT: the I Bonds from Daddy into her

00:17:13

KT: or his?

00:17:15

00:17:16

KT: Can they turn them into the names of the siblings to each other 50/50?

 00:17:21

Suze: Depends if the trustee

00:17:23

Suze: is allowed to do that via the trust.

00:17:26

Suze: So if everything is left to them, I'm sure the trustee then will do that. Right? But that's all. It's really very simple. You can for dad's I Bonds to you and your sister

00:17:40

Suze: but you're going to have to have your own individual treasurydirect.gov account. All right. 00:17:46

KT: All right now, next question. Again. This is, this is a little made me a little sad Suze. What happens if I do not have anyone to be the successor or trustee of my trust?

00:17:59

KT: This is an issue I have. So this is from Patricia. But Patricia, I can answer this one too.

00:18:07

KT: Our trust lawyer Janet that - Suze and I have a trust lawyer.

00:18:11

KT: Our trust lawyer Janet

00:18:14

KT: is the trustee successor trustee

00:18:17

Suze: for many, for

00:18:18

KT: many of her clients for that same situation. Don't

00:18:22

Suze: feel sad that you're in that situation. There are many people that don't have family members or friends for whatever reason that they feel are capable of doing that or that they trust enough to do that. 00:18:35

Suze: So there are lawyers. There are banks. I recommend a lawyer before a bank that steps in when you can't do it to be a trustee.

00:18:45

Suze: You know, KT and I have often talked about, should we have certain people that

00:18:50

Suze: work for us like Barbara or you know, people who really manage significant parts of our money. Should they be our trustee more than family members. So I get that. But you can do that. Don't let that stop

00:19:07

KT: you. 00:19:08

KT: Okay. Next question is from Tommy. Hi Suze. Do you think I Bond rates will go up in November? 00:19:15

Suze: Well, Tommy, given that yesterday the CPI consumer price index came out, and inflation is still going up, it's at 9.1%.

00:19:28

Suze: It's very possible that they could go up.

00:19:32

Suze: It's more probable that they're going to either stay the same or they may go down a little. We'll have to see what the CPI is over the next month or so.

00:19:42

KT: And then my last question is from Nelson. Hey, girlfriend is now an okay time to buy 20-year 00:19:51

KT: US Treasury bonds at

00:19:53

KT: 3.5%?

00:19:56

Suze: It is.

00:19:58

Suze: But I'm not exactly sure I would do that.

00:20:02

Suze: Only because

00:20:05

Suze: what's going to happen here very shortly,

00:20:07

Suze: is because inflation was up the other day yesterday

00:20:12

Suze: more so than anybody thought it was going to be except for me. Didn't I tell you inflation hadn’t peaked? 00:20:18

Suze: I told you inflation was going to continue up. It is very possible

00:20:24

Suze: That the Feds will raise the Fed funds rate by another three quarters or 1%. So interest rates may continue to go up even on Treasuries. So I don't think I would lock in for 20 years right now. You know, remember I said that I would tell you when I thought it was time to buy

00:20:42

Suze: long term treasuries?

00:20:44

Suze: I'm still into two-year,

00:20:47

Suze: up to five-year treasury notes. Just so you know, KT

00:20:51

KT: it's my quizzie time.

00:20:53

Suze: It is your one week before your birthday

00:20:56

KT: and it's quizzie time.

00:20:58

Suze: quizzie time.

00:20:59

KT: Alright we got

00:21:00

Suze: Curious what I got you for your birthday?

00:21:02

KT: We're going fishing. That's our that's our

00:21:06

Suze: You think that's the only thing I got you?

00:21:08

KT: Yeah that's all I want.

21:09

00:21:10

KT: I don't need anything else.

00:21:12

Suze: You don't need it. But you're gonna love what I made for you.

00:21:15

KT: You made me something?

00:21:17

Suze: Well how else would I give you a present?

00:21:21

KT: Well you said got what I got you.

00:21:23

Suze: Well

00:21:25

Suze: I made

00:21:26

Suze: what you made and in my head it's what I got you because I made it.

00:21:31

Suze: You’re actually gonna love it.

00:21:34

KT: Okay

00:21:36

KT: You didn’t need to do anything because just going fishing was enough. Anyway.

00:21:42

Suze: This is from Ellie. Hi Suze, my partner and I have both bought,

00:21:48

Suze: listen closely, $10,000 of I Bonds this year.

00:21:53

Suze: Now everybody when I asked KT a quizzie, I'm also asking you because I want you to be able to answer

00:22:03

Suze: all of these questions. That is the goal here.

00:22:06

Suze: So

00:22:08

Suze: can you verify that? We can legally give each other another $10,000 as a gift. Remember the most somebody can buy in their individual name per year of a series I Bond is $10,000.

00:22:27

KT: So if that's true and they each have $10,000 in their own personal name,

00:22:35

KT: I don't think you can give a gift to that person that already has

00:22:41

KT: $10,000 in the same year. I don't think you can do that.

00:22:45

Suze: So you can't do that as a way to get around the $10,000 limit?

00:22:51

KT: I don't think so.

00:22:53

Suze: Are you sure about that?

00:22:54

KT: Well, you can do it other ways you can buy

00:22:56

Suze: No, that's not what, that's not what they're asking. Can you give it to another person

00:23:03

Suze: as a gift or not? Can you open up a trust account

00:23:07

Suze: or not? Can you do it as a business?

00:23:10

KT: We all know you can give it to another person that doesn't have it already, I think.

00:23:15

Suze: And what if they do? They've already done it. They each have.

00:23:18

KT: I don't think you can.

00:23:20

KT: I don't think you can.

00:23:22

Suze: You don't think so.

00:23:23

KT: I don't know.

00:23:24

Suze: So cute.

00:23:26

KT: I don't think you can.

00:23:28

Suze: So.

00:23:28

KT: So maybe I'm wrong. Maybe I'm right.

00:23:30

Suze: But maybe you are wrong and maybe you are right. So Ding Ding Ding Ding.

00:23:34

KT: Okay. So what part’s right?

00:23:37

Suze: So Everybody

00:23:44

Suze: when you buy

00:23:44

Suze: a gift for somebody,

00:23:47

Suze: especially if they're over 18, which is why I want you to go to the Women & Money app

00:23:53

Suze: on the wall. So I'm going to show you exactly how you do that right, you can give them a gift 00:24:02

Suze: and when you give them a gift, it stays in your account in your gift box. So even though

00:24:12

Suze: You already have $10,000 this year as an individual, I could buy $10,000 for you and put it in my gift box for you. No way. Right?

00:24:25

Suze: I cannot transfer that gift

00:24:29

Suze: to you

00:24:30

Suze: Because you already have $10,000 this year. So you cannot use this as a way to get around the $10,000 max per person.

00:24:40

Suze: So it stays in the box. So it stays in the box. You can then let it grow in the box. The interest rate accumulates in the box. You get it in your name when you don't put $10,000 in your individual name. But there's something interesting about that KT.

00:25:00

Suze: I want to lock in right now, the nine, you know, the 9% rates on these, right?

00:25:07

KT: Uh

00:25:08

Suze: So, so I give it to you as a gift.

00:25:12

Suze: I keep it in my gift box for you.

00:25:16

Suze: And now it's accumulating at whatever the interest rate is going to be in November. So it's growing at these larger interest rates and then maybe five years from now,

00:25:28

Suze: when interest rates aren't as high, or four years from now, then I gift it to you and that's the year that you decide not to put $10,000 of your own money in.

00:25:40

KT: You could do that every year while it's high and then when it starts to get, when it's not that competitive then I just stopped

00:25:49

KT: I stopped buying I Bonds. And you just gift me those boxes.

00:25:54

Suze: That's right.

00:25:54

KT: Let's do that.

00:25:56

Suze: Right? But I can only give you $10,000 worth a year or whatever it's accumulated. So it is a very interesting

00:26:04

Suze: technique. Alright,

00:26:07

KT: Wait a minute. So that was a pretty smart question, Ellie.

00:26:10

KT: Good for you.

00:26:12

Suze: Well Ellie wasn't asking me that.

00:26:16

Suze: Ellie was trying to get around

00:26:19

Suze: the $10,000 limit per person. Right? But what they can do

00:26:26

Suze: is exactly what I said.

00:26:28

Suze: Now that I just said that to Ellie, I think I'm going to give you $10,000 and you're going to give me $10,000 and keep it in our gift boxes.

00:26:39

KT: Okay. We could do that.

00:26:40

Suze: Alright. Sweetheart.

00:26:41

KT: Alright, well that's a wrap for July 14th everybody.

00:26:46

Suze: Yes it is and

00:26:49

KT: Sunday. Well let's tell everyone,

00:26:52

Suze: I know what else I want to tell everybody. You know what happened today with Alliant.

00:26:56

KT: Yeah baby. Alliant raised it’s interest rate to 1.2

00:27:03

Suze: 1.2%.

00:27:06

KT: Oh it's going up up up up up!

00:27:08

Suze: And the reason I'm telling you this is obviously Alliant is being aggressive in terms of

00:27:16

Suze: raising that interest rate as soon as it makes sense to do so. So those of you who have deposits with Alliant Credit Union, all of you should be pleased at how many interest rate raises there have been. I mean within a month we've gone from .6% to 1.2%. And for those of you who don't know,

00:27:36

Suze: all of you should really look into myalliant.com.

Suze: There you go, KT. A-L-L-I-A-N-T. And look into the Ultimate Opportunity Savings Account.

00:27:52

Suze: Where you simply put in $100 a month every single month for 12 consecutive months, and besides the 1.2% and rising interest rates as time goes on at the end of that 12 months you will get $100. Listen to the end of this podcast to learn all about it.

00:28:12

Suze: Go to myalliant.com. I get thousands.

00:28:17

Suze: Alright I'm sorry. We get thousands

00:28:20

KT: and thousands

00:28:21

Suze: of emails saying thank you, thank you, thank you. Thank you. We got $100. We're so happy because a lot of you, you can save $100 a month.

00:28:34

Suze: And you would need like $9,000 to get $100 of interest. So

00:28:40

Suze: you're doing just fine. If you get

00:28:43

Suze: the Ultimate Opportunity Savings account. KT does my voice sound low to you today?

00:28:51

KT: Why do you say it that way?

00:28:54

KT: You have had one of these little candies.

00:28:56

Suze: What did you do with that little candy?

00:28:58

KT: It's over here on a piece of paper.

00:29:00

Suze: That is gross. Alright. Anyway, until Sunday, there's only really one thing that we want you to know.

00:29:08

00:29:11

Suze: Go on. You can do it. You can do this KT.

00:29:19

KT: We want you to be safe, strong, and secure.

00:29:25

Suze: Normally she has a little piece of paper with those three words on it. And I moved it just to see what would happen today. And now we found out. All right. I'll see you Sunday. Bye bye now.

00:29:54

Music: Music Out.


Take advantage of the Ultimate Opportunity Savings Account with Alliant Credit Union at: https://bit.ly/3vEUTZW

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