October 26, 2022
Listen to Podcast Episode:
On this episode of Ask Suze & KT Anything, Suze answers questions from you all about claiming inherited Series I Bonds, mortgages, moving financial advisors, Social Security being affected by a recession and more.
Suze: October 26, 2022. Welcome to the... what?
KT: Ask KT & Suze Anything you want anything on your mind. Anything at all now.
Suze: Right and look at you smile. Show everybody your pretty teeth.
KT: I have to tell you. I feel so great.
KT: I had a little bit of an ache in my jaw and I thought okay it's time. I was told by my dentist about maybe nine or 10 months ago that he thought there was a little crack in my molar. Sure enough. I had to have a root canal.
Suze: And she's a baby, just so you know. She doesn't like pain.
KT: Not at all. But I have to tell everyone, Suze how much
KT: money I saved. I was really proud. And this is part of our dental plans that we love. We use these
Suze: Are you trying to take my picture off and put your picture on the top of DentalPlans.com?
KT: I love dental plans.
Suze: But you didn't tell me, how much did you save?
KT: $1,018 on just the root canal. I had to have a lot of...
Suze: How much would the bill have really been?
KT: Oh it all varies. But my total bill for all the procedures including visit X - Rays, everything was 2,300.
Suze: And what did you save?
KT: Um I.. well let me do the math. Wait, hold on everybody, let me just say separate $1,282
KT: everything. I had two visits.
Suze: Actually. Here's your quizzie.
Suze: What percent did you save?
KT: Almost 50.
Suze: Oh she got it.
KT: Looking at it. Almost 50.
Suze: You saved about 44%, KT
KT: That's huge. So Suze. I'm just so happy that I have no pain and my tooth is fixed. I can go fishing.
Suze: There you go.
KT: I'm ready to go fishing.
Suze: But listen everybody, I've been telling you about dental savings plans forever. Forever.
Suze: And I've been supporting their efforts forever because you save so much money. So if you want to find out more about them go to dentalplans.com. It is crazy that you do anything other than have a dental plan seriously.
Suze: Anyway. Okay, but that's not what this was about. Where were we, KT?
Suze: Alright, so Ask Suze & KT anything...
KT: Okay. My first question is from Adam.
KT: He said hello. Hello. Hello. I'll be quick - Adam. I picked this because it's a really quick question. I purchased an I bond and set my husband as the beneficiary in the event
KT: that something happens to me. What would he need to do to claim it? Would he need to set up a Treasury Direct account? Thank you. Thank you. Thank you, Adam.
Suze: So Adam the first thing your husband is going to need to do is contact Treasury Direct and let them know that you are no longer with us. He most likely is also going to need to present a death certificate.
Suze: But here's what's really important to understand.
Suze: He will have many many choices. And most likely what's going to happen is that if you have owned this I bond now for let's say almost 30 years I bonds stop earning interest in 30 years. So he obviously at that time will absolutely redeem it and take all the money out.
Suze: What he needs to understand. If he does do that, he is going to owe income tax on all the interest that it's earned over those 30 years.
Suze: Number two, he may decide, hey, I want to keep this I bond going, it's making a good interest rate. So then what he would have to do is open up a treasurydirect.gov in his name alone
Suze: and then they will re-issue the I bond from your name to his name. Then he will owe income taxes on all the interest that you earn from the time you bought that I bond to the time that it was re-issued in his name.
Suze: Now obviously you're married so that your money is all combined. A lot of times when people are the beneficiary of an I bond where you don't share tax returns and there's also the option of having the deceased person's estate pay the income tax on all the interest that was earned or it could be part of the person's last income tax report.
Suze: So that is something that if you weren't married to somebody and you did that, then you could have it reissued in your name and then you would only be responsible for the tax from what it earned from the time that it was reissued all the way until you redeem it.
Suze: So those are your choices. Most likely he may want to keep it. So it will be re-issued in his name and he will owe income tax on all the interest that it earned while it was in your name, Adam. Now one thing that I just want to say to everybody,
Suze: you know you have choices when it comes to buy bonds you could either, like most people do defer the income tax on it. Just let it grow and grow and grow.
Suze: And when that happens one day somebody may owe a whole lot of income tax on that I bond when either you redeem it or your beneficiary redeems it or they transfer it and get it reissued to their name. Like Adam. Your husband most likely will do.
Suze: You have another choice.
Suze: And that choice is you could pay the income tax every single year on that I bond even though you're not getting that interest, but you could pay the income tax on that I bond. If you did so
Suze: then upon your death, the beneficiary would owe any income tax whatsoever to have the whole thing re-issued in their name. And I just want to mention that for two reasons. Number one, if you decide to do that, you have to make sure that all your I bonds that you own,
Suze: you pay the income tax on it every year. You can't just say I'm going to buy this I bond and I'm going to let it defer taxes this I bond. I'm going to pay annual income tax on all bonds under your Social Security number. Either are all deferred or you pay income tax annually on all of them.
Suze: But the other reason I wanted to say that is that for many of you right now that are actually purchasing I bonds for your children or grandchildren, it may be 10 or 20 years until they redeem that bond or they become the owner of that bomb. And that could be a whole lot of income tax on the interest that it earned.
Suze: So maybe they're in such a small income tax bracket that maybe you're better off paying the annual interest on kids' I bonds. Just something to think about. But that, my dear Adam, is what your hubby is going to have to do.
KT: Next question is from Laurel, you're going to like this one.
KT: Hi Suze. Just wondering is it best to start a plan to pay off our car
KT: as best we can and keep the car for as long as we can or is it good to turn cars in for upgrades and use that money for a new one? We bought it brand new in July 2020. So it's over two years old
Suze: Wow that's "old."
KT: Our cars almost 12 years old.
Suze: What is her question.
KT: Well, that's the question. The question is
KT: is it best to pay off the car? Obviously she bought it and...
Suze: And it's been financed.
KT: Yes it has.
Suze: Or trade in and get a
Suze: new car?
Suze: Oh, girlfriend please.
KT: Because she said it's the way that she said it's over two years old. That's the part that I thought you would enjoy. It's just a baby.
Suze: Listen to me and listen to me closely. A car is a depreciating asset. You will never, ever, ever, ever make money on a car
Suze: and a car is meant to be owned, not rented. If you rent a car meaning you finance it or lease it and you continuously trade in and trade in and trade in. You're continuously doing what? Paying either a lease payment or a car payment. Why would you want to do that? I don't care how much money. KT and I have...
Suze: we have a car. We take really good care of it. It is going on 12 years of age. And even though we obviously could easily afford a new car,
Suze: why would I spend money on that when my car is our car is absolutely fine. I would rather take that money and invest it and get a true return on your money. So don't
Suze: go fooling yourself thinking that it's wise to buy new cars. It is not, it is not, it is not.
KT: Especially if it's only two years old.
Suze: Well, you know what?
KT: I bet she doesn't even know...
Suze: Right. She probably put very little money down on a
Suze: a brand
Suze: new car and the second she drove it off the lot, it depreciated like 20%. So let's just say she bought a car for $20,000.
Suze: Let's just say that's true. And she drove it off the lot. That car is worth $16,000 the second that it hits the street. If she is in an accident and somebody hits it and destroys it. Well, if she didn't, if she didn't put any money down, let's say she bought it, didn't put any money down. She owes $20,000 on it and now she's in an accident or it's hit, she's fine.
Suze: The car has depreciated $4,000. It's only worth $16,000, but it's been totaled. Her insurance company is only going to give her 16,000. She's gonna owe $4,000 on a car. She doesn't even have anymore. Anyway, go on.
KT: All right. Next question is from Yolanda
KT: Hi Suze. When buying a home, is it advisable to take a mortgage over 30 years instead of 20,
KT: when the plan is to pay it off much sooner by paying that extra monthly payment?
Suze: Depends if you can get an interest rate for a 20 that's lower than a 30. Usually a 15 year mortgage is half a percent less than a 30 year mortgage. And it always drove me crazy that people would say I'm gonna do a 30 year mortgage and pay it off in 15.
Suze: So I say, so why are you doing that? You're paying more for that mortgage. So if you really know that you can afford to pay it off in 15 versus 30, you get a 15 year mortgage. If a 20 year has a less interest rate than a 30, you do that as well.
Suze: People always wanted a longer mortgage, KT in case they get into trouble so they can reduce their payments.
KT: Yeah, like a security blanket. But with today's rates, I try to pay that thing off as soon as I could.
Suze: I bet you would.
KT: Okay, next is from
KT: Laura. Hi, Suze and KT. My traditional and Roth 401k rollovers are under the control of my financial advisor who has been giving me advice opposite of yours, Suze. He has not been forthcoming with how much commission he is making. I really trust your advice and my own. Now I feel uncomfortable because this is a family friend.
KT: Suze, what have you always told people... to
Suze: never do business with family...
KT: ...or friends! I allowed him to handle my finances many years ago when I was not an informed person. Like I am now after listening to your podcast, it is in an account where I don't have access to personally change anything and I must go through him.
KT: So I'm in mutual funds with 2.5% fees. I want to move everything to a discount brokerage, please Suze, how do I do this? Please advise me on how to move this.
Suze: What a shame, Huh? What a shame. Um here's the thing you say in this email that you are informed.
Suze: It's not enough to just be informed. You also have to own the power to control your destiny. Which means you should not be afraid of anybody at any time. Especially somebody you are paying to manage your money. And you know how I've always said that you and your money are one.
Suze: So if for whatever reason he isn't managing your money correctly, he isn't managing your needs you correctly. Because again, you and your money are one. So obviously because KT just handed this to me, it seems that you're uncomfortable saying anything to him. Like you are afraid to say, guess what? I want to transfer my account.
Suze: So what I would do if I were you is I would go to a discount brokerage firm Fidelity, Schwab. I don't care where you go, TD Ameritrade, wherever you feel comfortable, open up an account and have them transfer. They'll contact that person who handles your money and transfer it from that account into your new account.
Suze: And most likely it will be able to transfer with whatever you purchased in that other place. It will transfer what's called, "in kind." You don't have to have it sold just to transfer it in cash. That's what I would do if I were you. However,
Suze: you are never, ever, ever again to make a mistake of you can't touch your money unless you go through somebody or where you feel that they're taking advantage of you. I don't think so. 2.5% fees. Yeah,
Suze: I've told all of you you are never to pay more than 1% in fees and that's only to a registered investment advisor who is actually managing your money for you, not mutual funds, mutual funds, you should pay at most half a percent.
Suze: As an expense ratio, maybe .8%. But no, you know many of them are .04%. Also, if you're going to buy a mutual fund, you need to make sure that it's a no-load fund that you do not pay a sales commission on it to anybody. What is even charging you for? I just don't get it.
Suze: So you really need to make a move if I were you. Alright,
KT: Okay. Next question is from Dennis. Hi Suze. I enjoy listening to your podcast. I look forward to you and KT every week. My question is,
Suze: Are you wondering why I laughed?
KT: Yeah, why did you laugh?
Suze: I don't know.
KT: question is this.
Suze: Wait, can you imagine people looking forward to the two of us together?
KT: Well, they probably definitely look forward to your Saturday night Suze Solo.
Suze: No, they love your laugh. They love when you don't know the answer to the quizzies. Some people right um... which I just have to ask something. Alright, I'll let you finish the question.
KT: This is important though, because I wouldn't know how to I wouldn't know what to do either here.
KT: Ready? So Dennis says rumor has it that Social Security is draining out by 2034. Should I wait to take it at full retirement since the 8.7% increase. All I'm hearing is how it's going to hurt Social Security and how the recession will make it worse,
KT: Suze. Currently I'm 62 and will be 63 soon. I've held off on filing for Social Security so my payments can be higher with the current situation with the economy. Should I really keep waiting? Thanks Suze.
KT: Wait. And then this is really the best part I forgot. He said LOL It's okay for you to use this for a quizzie for KT.
Suze: What would you tell him?
KT: I think that you should wait until you get your full Social Security. You're only seven years away.
Suze: Yes, but he's concerned, KT, it's gonna go belly up.
KT: At 2034, the year 2034.
Suze: KT. That's only 12 years from now.
KT: Yeah, but in seven years he can take his full Social Security.
Suze: So so then five years from then the whole system goes belly up.
KT: No, I don't think it will.
Suze: Well that's what he's asking you.
KT: It won't, Dennis.
Suze: Right. Now, Dennis...
KT: Don't worry.
Suze: Here's the reason...
KT: Do you think it's going to go belly up?
Suze: Let me answer his question. You want to hear my answer?
KT: Yeah, I'm curious.
Suze: All right. Here's the thing what they will do to make Social Security last even longer than 2034, is they will do a few things possibly.
Suze: They will increase the amount of money which they're doing right now. By the way, increase the amount of money that is taxable that goes into the social security system number two, they will possibly increase the Social Security age. So, do you remember when you used to be able to collect full Social Security at 65?
Suze: And if you just waited, you know, a few years after that, like to 67 or whatever, you got a whole lot more right, then what would happen is they moved it to now, full Social Security for most people born 1960 or after is 67.
Suze: And you have to wait till 70 if you want that little extra added amount. Don't be surprised if they don't all of a sudden move it from 67 to 70 as your full Social Security age, they can do anything they need to do. So, if I were you, I really would wait because I think that extra Social Security is absolutely worth it.
Suze: You know, you have to know that approximately from 62 till your full Social Security age increases about I'd say about 6% a year. And then from 67 or your full Social Security age till 70, it increases at 8% a year.
Suze: I don't know with markets and things like that right now.
Suze: I have to tell you, I still would wait.
KT: We waited.
Suze: We we did wait, KT. But there are certain circumstances really
Suze: that you don't wait. You don't wait. If you know that you're ill, you don't wait possibly if it's a survivor benefit, because they work very differently.
Suze: You don't wait, if you're older, you're eligible for Social Security . Maybe, you know, you're only 63 or 64, but yet you have really young children because then they get to have up to 50% of your amount up to a family maximum. So there are reasons why you would take it earlier.
Suze: But I don't think for the reason of it's gonna go belly up. If it goes belly up, we will have such an uproar in the United States, it won't even be funny. So if they're not gonna let that happen.
KT: Okay, so next question is Doreen. Hi Suze. Here it goes, my husband of 24 years and I have been separated for two years.
Suze: I could tell by the look in your face...
KT: Wait, it's harmonious. I don't think so. He's 80. I'm 64. He is renting an apartment and I am in our home valued at 525,000 with 120,000 mortgage.
KT: During our marriage we were self-employed in business together. And all the funds went into an IRA that had been previously been established in his name. It is now around 850,000 we have in his name.
KT: 350,000 annuity, and I have a full time job 80,000 K a year with around 30 K between a cash balance and a 401k. We owe 39,000 on an RV. Otherwise we're debt free.
KT: We want to divorce and divide assets. But with the market, we feel it's better to wait until housing settles and markets rally. Should we wait out the markets or settle and go our separate ways.
KT: I know my answer. What's yours Suze?
KT: Bye baby. Bye bye.
KT: Baby, bye bye.
Suze: So, Doreen, here's the thing.
Suze: Markets are rallying right now.
Suze: Real estate is going down right now. So, if there ever was a good time to do it, it's right around now. It's very possible that these markets will continue rallying for a bit. Like I've said over and over. I don't know if that's two weeks. Three weeks. I don't know how long it is, but eventually it will turn around and go right back down again. Therefore,
Suze: I would do it now. Not just because of the money,
Suze: I would do it now for your own peace of mind.
KT: For both of them.
Suze: For both of them.
KT: Especially that she said that it was a harmonious separation. If you want to keep it harmonious, get rid of all the
Suze: You're 64 years of age, you're still really young. You have a whole lifetime really in front of you. Although you may not feel that way at this moment you do.
Suze: And the longer you postpone doing what has to happen on every single level, the longer you are postponing owning the power to control your destiny, which seems to be the theme of today's Ask Suze and KT Anything.
Suze: So therefore, do it now girlfriend. Right.
Suze: Get into your own power now because as long as you're attached financially you're attached emotionally and every other way and it will become very messy split. When the split is good.
KT: Yeah. Keep it free baby. All right. Next question is from James. Hi Suze. I enjoy your program and the financial education and insight you provide.
KT: My question has to do with the Series I bonds. I have already purchased one for myself but I also will be purchasing your four must have documents. Do I need to wait until the revocable trust document is completely done before I can purchase another Series I bonds within the trust?
Suze: You bet you do, because they're gonna want to see everything that has to have a name and everything you have to do
Suze: your trust before you get another Series I bond.
Suze: I got to say something about Series I bonds because it is October 26, right? And on November 1 they will announce the official new rate for the next six months. But so many of you are writing me freaked out because you can't get in. You're trying to call them, you're getting kicked offline.
Suze: Listen millions and millions of people right now are trying to get in on this. Didn't I say don't wait till the end of the month? Didn't I say do it as soon as you possibly could
Suze: because if anything went wrong and you needed to make a change or something, you are not going to even get close to TreasuryDirect.gov right now. Not even close. Just know that and there is nothing I can do about it. I don't have a special number I can call it just is what it is. They are an archaic system that has to be overhauled. What else is new?
Suze: But it's still the best deal in town and if you were lucky enough to get in to this 9.62% rate,
Suze: you make sure that you keep it. Don't get mad at them. Don't cash it in. You stick right with it. Alright, KT.
KT: Suze, my next question isn't really a question. It's a "did you know."
Suze: You love "did you knows."
KT: I like "do you know."
Suze: KT always wants me to do like...
KT: "...did you know."
Suze: ...a "Did you know" section did you know
Suze: my whole
Suze: life is
Suze: did you know. How come you're wearing your little baseball cap?
KT: I forgot to take it off because I was outside. I forgot.
Suze: She's sitting here in this little baseball cap. Right? And this blue fishing. What's that called? Buff buff. Right.
KT: And my favorite fishing shirt.
Suze: You look so cute.
KT: Thank you.
Suze: You know what else? I realized why you look so different.
Suze: You don't have glasses on.
KT: I'm not wearing glasses anymore.
KT: we tell everybody about that?
Suze: I can't remember.
KT: Anyway, I had a really cool um, procedure and eye surgery. I think we told them about a month ago,
KT: it's these really advanced technology lenses, which means I do not need glasses ever for the rest of my
KT: You know that when I wake up in the morning, I reached to my bed stand for
KT: my glass.
Suze: Is that what you're doing?
KT: I still do that.
Suze: I know I look at you and I go, what's she doing?
KT: I do that every morning. It's such a habit. A lifetime of wearing glasses when you get out of bed. Now, I don't, I don't reach. There's nothing there.
Suze: I love my glasses. Okay.
KT: She has a collection. All right. This is Mary. She said, thank you. Suze and KT. I like when people call me KT.
KT: Thank you. Suze and KT for all your terrific advice regarding freezing credit and the three big credit reporting bureaus. So if all of you listening remember a couple podcasts ago, Suze talked about the credit bureaus and freezing credit and why it's necessary to do so.
KT: The item that usually isn't mentioned is if someone dies and their credit should be frozen by reporting their death to the three credit bureaus. Now, Mary said my husband died in 2017. I found out two years later that someone had taken his social security number and personal information to gain credit along with requesting bank loans.
KT: A smart loan officer felt something was wrong and contacted me. The three credit reporting bureaus then told me that if someone dies, their death should be reported immediately so that the deceased information cannot be used. I wouldn't be responsible for these deaths of course. But it's disturbing to the family.
KT: you for giving us this information.
Suze: know what I didn't even ever think of that
Suze: Mary. You just taught me something I've never thought of before. Alright, amazing. I can't believe it.
KT: You know what time it is? Everybody. It's your favorite time of the podcast - quizzie time.
Suze: Alright, so I have to ask you a question and it's okay if we go a little long on this podcast.
Suze: Right. Do you ever feel that I am mean to you?
KT: No. Sometimes you are. (laughs)
KT: No, you're not. I don't ever feel like you're mean to me purposely. But sometimes it sounds like you're mean to me.
Suze: But do you ever feel like I am?
KT: No, you just get frustrated because I don't pay attention. But she's not mean to me everybody.
Suze: The reason why...
KT: Somebody wrote to Suze.
Suze: A few people wrote and
Suze: said, don't be so
Suze: mean to
Suze: KT. And
Suze: I'm like, what are they talking?
KT: She's not mean to me. Trust me. She isn't. She just gets frustrated because I don't pay attention enough to her.
Suze: Alright, are you ready?
KT: I like the quizzie. Is everybody ready?
Suze: So for all of you just know that right? Also I have to say one other thing. I just do KT
Suze: a lot of times I ask KT a question and maybe I've gone over it four or five times and KT doesn't know the answer. And again, somebody wrote in
Suze: and they said, KT,
Suze: KT, you should know by now.
Suze: You should
Suze: know the answers to these right now. I just want,
Suze: just want to say something. Roth IRAs and how they work. Maybe one of the more complicated investments out there
Suze: because there's all different kinds of rules, regulations and you can ask financial experts questions and I promise you they would not know the answers to them. So don't go getting down on KT if she doesn't know an answer to a question that you think she should know the answer to.
KT: To defend
KT: that listener, after 20 years, don't you think I should?
Suze: No, actually I don't.
KT: Okay, well there you go.
Suze: You know what you know.
KT: But what's my quizzie? I know this one.
Suze: Can you tell? I was bothered by that everybody.
KT: What's my quizzie?
Suze: Don't go attack on my KT. I can tell you that right now. Hi Suze, this is from Amy. I was wondering,
Suze: is the interest sitting in my I bond accounts earning interest at some point over the years or only the principle that I put in.
Suze: That's the first part to the quizzie. There's a second part.
KT: So the answer is everything that's sitting in that account is earning interest.
Suze: And how is it earning interest? So I put in a bond we bought a bond KT, you know we're annualizing making right now, 9.62%. So at the end of six months it's going to make about $481 for us. What happens to that?
Suze: Of interest?
KT: I think... (KT starts laughing uncontrolably)
Suze: There we go. The famous laugh is back, here we
Suze: Here we go.
KT: It's looking at your face. It's looking in her face. It doesn't get combined with the other
KT: does it? Yes.
Suze: So now
Suze: combined with the with what you put in your principal.
Suze: So now you have 10,481
Suze: and all of that make interest.
KT: Why wouldn't it?
Suze: Amy wanted to know.
KT: Amy, of course.
Suze: the I bond interest compounds semi-annual.
KT: That's why it's a great deal because it's such a big compound.
Suze: Right. Yes, got that. Alright. But the second part is if it's not would it be allowed to take out only the interest and we invested somewhere where that would earn interest?
KT: But it is so it says if it's not, but it is earning interest. So that second half of the
KT: yes it's not it's not valid. Doesn't make sense.
Suze: So Amy, it's not nice that she said that Amy right. It's this. You cannot take money out of an I bond the first year, no matter what. Years two through five there is a three-month interest penalty.
Suze: So you wouldn't want to take it out. Number two and number three you don't need to because it is making interest.
KT: Alright, okay, I got that one.
Suze: Right, everyone a ding ding ding for KT. But KT, I'm never mean to you.
KT: No, you're not. She's never mean to me.
Suze: Right, so just stern sometimes. But that's my...
KT: That's that's her nature. I get slap downs all the time. You think you get a Suze slap down? I get KT slap down all the time because it's something you know she's either frustrated or she has to make a point
KT: where she says you know you weren't listening.
Suze: You know why... wait, can I just I'll tell you something and you know what KT does when I do that? She starts laughing uncontrollably because she thinks it's so funny and so really within a minute or two it stops.
Suze: It's like okay, now what were we talking about?
KT: We don't, we're not we're not the kind of people that get mad at each other. Ever.
Suze: You say that. That's okay. Alright.
KT: We don't stay angry.
KT: Alright, so that was
KT: a good podcast.
Suze: It was! So Saturday night I'm going to talk about inherited IRAs and a change that has happened with them. I might talk about IRA Rollovers versus IRA transfers.
Suze: may talk about Social Security and I'm definitely going to talk about Treasuries. What I think is gonna happen with interest rates. Why? I think that's gonna happen how to buy them and go over all of that and probably a little bit about the stock market.
Suze: That's, that's what I've been thinking. Anything you want me to add to that?
KT: Yeah, pour yourself a glass of wine everybody and have a good time on Saturday night.
Suze: Do you think we can contact those people and see if we can get the rights to the song and have them rewrite...
KT: (Sings) It's another Saturday night and I got lots of money.
Suze: No, I wanted to be and we all have lots of money.
KT: We should let's let's re-write that.
Suze: That's alright. Everybody in the hopes that one day everybody
Suze: has financial freedom in their lives, financial independence in their life may everybody always own the power to control their destiny and until Saturday there's only one thing that we want you to remember when it comes to you and your money and what is it girlfriend?
KT: going to stay safe, strong and secure,
KT: And wish us luck tomorrow morning. It's our wahoo day.
KT: We're going
KT: fishing. It's going to be a great morning to fish.
Suze: Alright, dolls. We will talk to you soon. Bye bye.
Get Suze’s special offers for podcast listeners at suzeorman.com/offer
Join Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on her podcast!
To ask Suze a question, download by following one of these links:
CLICK HERE FOR APPLE: https://apple.co/2KcAHbH