Home Buying
Should You Rent in Retirement?
Renting is becoming a more common option for older Americans. A recent analysis shows that the percentage of Americans at least 65 years old who own a home has fallen in the past 20 years from 80%
Podcast Episode - Suze School: Four Things You Need to Know Now
For this Suze School, Suze goes over four of the things you need to know right now, with a review of what’s going on regarding interest rates and real estate. Plus, Bitcoin, Gold and more.
Podcast Episode: Ask KT & Suze Anything: Can I Afford a Swanky New Apartment?
On this edition of Ask KT and Suze Anything, Suze answers questions about term insurance policies, IRA rollovers, and interest rates. Plus, a quizzie about selling a home with no mortgage to buy
Podcast Episode - Ask KT & Suze Anything: Am I Too Old to Buy a House?
On this edition of Ask KT and Suze Anything, Suze answers questions about RMD calculations, dollar cost averaging, inheritance and capital gains. Plus, home buying, insurance, T-Bills and more.
Podcast Episode - Ask KT & Suze Anything: How Do I Protect My Identity?
On this edition of Ask KT and Suze Anything, Suze answers questions about buying rental property, IRAs, and protecting your identity. Plus a quizzy about paying for home repairs and more.
Does Buying a Home Still Make Sense?
With the interest rate on a 30-year mortgage more than doubling over the past few years—to more than 7% today—buying a home has become an even more challenging financial move.
Podcast Episode - Ask KT & Suze Anything: Is It Too Late to Buy a Home?
On this edition of Ask KT and Suze Anything, Suze answers questions about buying and cashing in bonds, choosing an ETF home buying, plus a “Should I Do It?” quizzy and so much more!
How to Remodel for Retirement
One of the biggest financial decisions you face in retirement is where you will live. I know many of you are determined to stay right where you are.
A Big Change Coming to Home Buying and Selling
We’re about to enter an entirely new era in home buying and selling. A settlement in a federal antitrust case will soon end the standard way of paying for a home sale that has been in place for de
Podcast Episode - Suze School: Everything You Need To Know at the Close of Q1
Today’s Suze School is a special podcast only exclusive. Suze turned down several TV appearances this past week and is only sharing her quarter-end perspective on what’s happening in the Stock Ma
Podcast Episode - Ask KT & Suze Anything: Avoid Emotional Poverty
For this episode of Ask KT and Suze Anything, Suze answers questions about IRA contributions, what happens when only one spouse works, selling a home and so much more.
Podcast Episode - Ask KT & Suze Anything: Everything is Relevant at Some Point
For this episode of Ask KT and Suze Anything, Suze answers questions about planning your retirement, long term care insurance, home buying, and so much more.
Today’s High Mortgage Rates Are an Important Lesson
Whether you own a home or not, or have a mortgage or not, the recent sharp rise in mortgage rates is full of important lessons that will help you build financial security.
Podcast Episode - Ask Suze & KT Anything: Own The Power To Control Your Destiny
On this edition of Ask KT & Suze Anything, Suze answers questions about generic beneficiaries, added condo maintenance fees, ‘golden handcuffs’ and more.
Podcast Episode - Ask Suze & KT Anything: Do I Need Life Insurance?
On this edition of Ask KT & Suze Anything, Suze answers questions about escrow accounts, real estate, caring for parents, the “Taylor Swift Economy Bump” and more.
Podcast Episode - Ask Suze & KT Anything: Should I Invest in Real Estate?
On this edition of Ask KT & Suze Anything, Suze answers questions about stock dividends, safety deposit boxes, ex-spouses on mortgages and more.
Homeowners Insurance: You Can't Afford to Skip It
You likely are well aware that it has become a lot more expensive to protect your home.
Podcast Episode - Suze School: What Else Can I Do to Save for a Home?
On this KT Birthday Eve Ask Suze and KT Anything episode, Suze answers your questions about ROTHs, HELOCs, paying for college and more.
Podcast Episode - Suze School: Celebrating Financial Independence
On this episode, Suze shares an email from a listener who takes issue with some advice Suze gave about paying off a mortgage.
Podcast Episode - Ask Suze & KT Anything: To Pay or Not To Pay
On this Ask Suze and KT Anything episode, Suze answers questions about paying off your mortgage versus taking a tax credit, Social Security after a divorce, the new FICO score rules, moving and more.
Podcast Episode - Ask Suze & KT Anything: Why Did My Credit Score Drop?
On this special Sunday episode of Ask KT and Suze Anything, Suze answers questions about Robo advisors, Roths for minors, the real value of a home, resetting a retirement account, plus a heartfelt qui
Podcast Episode - Suze School: A Different Way To Think About Your Net Worth
Today’s Suze School podcast is a lesson on how to figure out your real net worth. What happens if a disaster strikes and your home is lost or the Stock Market goes down?
Tapping Your Home Equity in 2022
With investment portfolio values down and the price of everything up, I am not surprised that homeowners are increasingly turning to home equity loans (HELs) and home equity lines of credit (HELOCs).
Podcast Episode - Suze School: The Week That Was
This Suze School covers more about Series I Bonds, and since many people are still confused about Treasury bills, bonds and notes, we get a refresher.
Podcast Episode - If You Don’t Have A Plan, You Plan To Fail
How can we avoid planning to fail in our financial life?
Podcast Episode - Ask Suze & KT Anything: Diversification, The 5 Year Rule and IRMAA
On this episode of Ask Suze & KT Anything, Suze answers questions from you all about a retirement withdrawal strategy, tax savings in a trust, just what IRMAA is and more.
What to Consider as a Potential Homebuyer
Potential homebuyers are facing a double affordability whammy.
Podcast Episode - Ask Suze & KT Anything: Insurance, Warranties and Security
On this episode of Ask Suze & KT Anything, Suze answers questions from you all about the right monetary gifts for grandchildren, car warranties, term insurance, partners with significant debt and more
Podcast Episode - Ask Suze & KT Anything: Buying A House, Inheriting A Roth & Boosting Your FICO Score
On today’s podcast of Ask Suze & KT Anything, Suze answers questions about filling out the MUST HAVE™ Documents, inheriting a ROTH, boosting a credit score and more.
Podcast Episode - Ask Suze & KT Anything: Are Forgiven Student Loans Taxable?
On today’s podcast Ask Suze & KT Anything, Suze answers questions about Series I Bonds and probate, Roth 401(k)s, real estate and so much more!
Podcast Episode - Suze School: Mini-Master Class on Treasury Bills, Notes & Bonds
Suze starts today's podcast reflecting on Memorial Day and gives us a brief recap of where real estate, energy and food prices are.
Podcast Episode - Ask Suze & KT Anything: Can I Blow Off Paying Back My Loan
On this podcast of Ask Suze & KT Anything, Suze answers questions from listeners about unmarried IRA contributions, gifting Series I Bonds, delaying RMDs, buying a house in cash and much more!
Do You Have The Right Homeowner's Insurance?
The recent spike in the inflation rate could be a big risk for homeowners if you don’t have the right type of homeowner’s insurance.
Podcast Episode - To Pay Off or Not To Pay Off
In this podcast, we go to Suze School about when is the best time to pay off a mortgage. Are you trusting your gut or believing people who really do not have your best interest in mind?
Podcast Episode - Avoid These Home Ownership Disasters
Are you doing the right things to protect your home? Are you taking disastrous short-cuts if you want to leave your home to your children? Today's Suze School will absolutely set you straight.
Podcast Episode - Ask KT & Suze Anything
On this podcast of Ask KT & Suze Anything, Suze answers questions from listeners about; retirement accounts, saving for a new home, managing investments, caring for special needs relatives and more.
Podcast Episode - Ask Suze (and KT) Anything
On this podcast of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Jill, Christine, Leslie, Gina, Jasmine, Marlena and Pamela selected and read by KT.
Podcast Episode - Ask Suze (and KT) Anything
On this edition of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Annie, Dyanne, Kathy, DeAsha, Cathay & Jay, Janet, Elizabeth and Lisa, selected and read by KT.
Podcast Episode - Ask Suze (and KT) Anything
On this podcast of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Brent, Beth, Lena, Dereck, Mo, Rena and Tiffany, selected and read by KT. Plus, a quizzie for KT.
Podcast Episode - Ask Suze (and KT) Anything
On this edition of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Terry, Mare, Suzy, Eric, Michael, Becky, Deanna, Barbara, Aga and Seretha, selected and read by KT.
Podcast Episode - Real Estate vs Stocks and a Comment on Crypto
On a special Saturday afternoon release, this leads to a Suze School lesson on what you need to do to secure your rental real estate investment. Plus, an update on the stock market and BitCoin.
Podcast Episode - Suze School: Look Before You Leap
On today’s podcast, we go to Suze School to learn about the five rules you need to follow before buying a condo. Knowing what they are, could potentially save you a great deal of time and money.
Podcast Episode - Ask Suze (and KT) Anything
On this podcast of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Jen, Scotti, Jason, Inuti, Wilson, Suzanne, Silvia, Analli, and Roma, all selected and read by KT.
Podcast Episode - Ask Suze (and KT) Anything
On this podcast of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Megan, Candi, Michelle, Caroline, Kate, Kathleen and Christine selected and read by KT.
Podcast Episode - Are We In A Housing Bubble Or Not?
On this podcast, we go to Suze School for the latest on what is happening in the real estate market. Learn why birth rates factor into supply and demand and what you should think about doing now.
Podcast Episode - Ask Suze (and KT) Anything
On this podcast of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Michael, Laura, Anita, Taxi Cat, Carmen, Nicole and Tycee, selected and read by KT.
Podcast Episode - Best Of: Ask Suze Anything Live From The Apollo Theater
For this Ask Suze Anything, we present the question and answer part of Suze’s appearance at the legendary Apollo Theater in Harlem, NY, as part of the Women of The World Festival on March 16, 2019.
Podcast Episode - The Future of the Unknown
In this Podcast, Suze addresses the unknown that awaits all of us in regard to universities. About how what happens with universities affects more than just the students going to school or not.
Podcast Episode - Ask Suze Anything
In this podcast of Ask Suze Anything, once again, Suze groups together questions coming in from Women & Money listeners about this volatile time in the stock market.
Podcast Episode - Ask Suze Anything - 136
In this podcast of Ask Suze Anything, we hear questions and stories from Women & Money listeners Kathleen, Tina, Sonja, Leigh, Margaret, Joan, Margaret, Sally, Kiana, Allison, and Anonymous.
Podcast Episode - Ask Suze Anything
In this podcast of Ask Suze Anything, we hear questions from Women & Money listeners Doris, Denise, Norma, Brent, Lisa, Cynthia, Mary, Ashley and Tyler, Kristie, and Anonymous.
Podcast Episode - Ask Suze Anything
In this real estate podcast of Ask Suze Anything, we hear questions from Women & Money listeners Suzanne, Emily, and Kate.
Podcast Episode - Happy New Year From Suze & KT
In this special New Year’s podcast, Suze is once again joined by her spouse, KT. Together, they share a story about a memorable trip from 2019.
Podcast Episode - Are Your Lies Destroying Your Money
In this podcast, Suze gives us updates from stories she’s shared in a few recent episodes, to remind us that time is money and we should spend it wisely.
Podcast Episode - Ask Suze Anything
In this Ask Suze Anything podcast, we hear questions from Women & Money listeners Tiffany, Chris, Nancy, Pamela, Kim, Mary, and Ann.
The Low Down on Home Down Payments
It’s finally Spring…and that means the start of the busiest season for home buying. If you are considering buying your first home—or love someone who is ready to own – I want you to be smart about...
Podcast Episode - Don't Be In A Rush To Be Poor
In this episode, Suze talks about her recent one-woman show at the Apollo Theater in New York City and reflects on a question she received from the audience.
Shifting Real Estate Market Requires Home Sellers to Be Extra Smart
If you are planning to put your home on the market this Spring, working with a terrific real estate agent will be extra important.
4 Great Reasons to Rent
As we head into the heart of home buying season I am concerned some of you may be caught up in the “buy now!” frenzy.
Home Buying in Next 6 months? Do This Now!
If you are planning on buying a home in the next few months, I bet you are already spending plenty of time checking out online listings.
Lesson from the Tax Bill: Never Invest Based on Taxes Alone
The new federal tax bill punishes homeowners in regions where home prices and property taxes are high, such as many parts of Massachusetts, New York, New Jersey, Connecticut, California, and
The Smartest Home Buying Move Most People Ignore
Most homebuyers choose a 30-year fixed rate mortgage. There’s nothing wrong with going the conventional route and spreading your payments over 30 years. But I wish more people would take out a 15-year mortgage instead.
Don’t Over-React to the Mortgage Rate Rise
Over the past few months mortgage rates have begun to rise a bit. And the expectation is that they may continue to drift higher throughout 2017. While there’s no question mortgages now cost more, I want anyone thinking of buying a home, or refinancing, to not over-react to higher rates. Keep in mind:
Avoid This Costly Refinancing Trap
In late July, the 3.4% average rate for a 30-year mortgage was near the historic low set in 2013. That’s great news for so many homeowners who were unable to refinance back in 2013 because they didn’t have the 20% equity that most lenders require for the best refi deals. Fast-forward to today and home values are up an average of nearly 30% since early 2013. That means plenty of homeowners can now-finally-refinance at today’s great rates.
A Taxing Reason to Not Buy a Home
There are two potentially large tax breaks that come with buying a home. But listen to me: I never think it is a good idea to factor in the tax breaks when deciding if you are ready to buy your first home. Nor do I ever want anyone to decide on a mortgage budget based on the after-tax net cost. Here’s why:
Step 4: Closing the Deal: Scour your all-in Mortgage Costs
It takes a hefty wad of money to get a mortgage. It’s typical for all the fees associated with securing a mortgage—called Closing Costs-to add up to 2% or more of the loan. That’s a stiff $4,000 or so on a $200,000 mortgage.
Step 3: Get to the Point: When It Pays to Buy Down Your Mortgage
Lenders like to give home borrowers choices when it comes to their mortgage rate. You’ll always be presented with a standard rate: what you qualify for based on how the lender sizes up your financial profile (credit score, income, debts etc.) And then you will also be presented with some options to “buy down” or reduce that interest rate.
Suze’s Mortgage Tip #2: Know the Down Side of Making a Small Low Down Payment.
My absolute best advice is to strive to make a 20% down payment when you buy a home. I know that can be a lot of money. But hear me out. What you need to understand is that a small down payment can end up costing you big time.
Suze’s Mortgage Tip #1: Shop Around
It amazes me that so many homebuyers who spent weeks, if not months, hunting around for the best home, don’t shop around as diligently for the best mortgage. According to the Consumer Financial
Turn a Child/Grandchild’s Summer Job into a Retirement Windfall.
If you have a child or grandchild who is going to get paid for work this summer, I want you to consider a way to gift them a valuable retirement stake.
Four Smart Moves in a Falling Stock Market
Nobody likes to see the value of their investment accounts fall, but whether it’s a correction (a drop of at least 10% but less than 20%) or a full-on bear market (a decline of 20% or more) the reality is that markets go through rough periods. Always have, and always will.
4 Signs You’re About to Make a Very Big Real Estate Mistake
With the Spring home buying rush just around the corner, I want to make sure that you don’t buy into a very big mistake.
The Massive Mistake 4 in 10 Parents With Young Children Make …and how to fix it in four easy steps
A new survey makes me sad, mad and very nervous. According to Bankrate.com, 37% of parents with children under the age of 18 have no life insurance. And even the parents with life insurance aren’t really protecting their family, as one-third have policies with death benefits that do not exceed $100,000. That may sound like a lot of money, but it’s woefully little once you sit down and run the numbers.
Why You Should Seriously Consider a Roth 401(k)
You know I love, love, love Roth IRAs. One of the prime reasons being that in retirement you will not owe a penny of tax on your withdrawals. That’s quite different from a Traditional IRA where every penny will be taxed at your ordinary income tax rate.
Three Steps to Guaranteed Financial Independence
As a nation we set aside one day a year to formally celebrate our independence. When it comes to your money my hope is that you will make every day, not just July 4th, a day where you make conscious decisions that will help you build financial independence: a life where you are in control of your money, and not vice-versa.
How to Get the Most Out of Social Security
Your Social Security retirement benefit is one of the most valuable pieces of your retirement plan. Not only will it likely account for a large portion of your income when you retire, but it also has an incredible feature: your annual benefits increase with inflation. Your 401(k) and IRAs don’t come with such a great guaranteed inflation-protection feature.
How To Marry Your Finances
It’s no secret that money can be a serious wedge issue for couples. Survey after survey reports that when couples argue, finances are often at the heart of the discord. Here’s how every couple can lay the groundwork for financial compatibility.
Four Expensive Home Buying Mistakes
When it comes to big-ticket purchases, it gets no bigger than buying a home. That makes it seriously important to avoid costly mistakes. Here are four expensive home-buying mistakes I want you to steer clear of. Follow my advice and you could save tens of thousands of dollars and ensure you will never be house poor:
Suze Orman’s Practical Real-Estate Portfolio
The personal finance expert’s holdings are in places like New York, the Bahamas and South Africa
Resist home-buying pressure, Suze Orman advises
The recent rise in housing prices and the decrease in supply in certain parts of the country have some people willing to spend every nickel they have to get into the market now. But Suze Orman warns hopeful homebuyers not to be hasty and end up house poor.
Suze Orman Sits Down With Television Academy Foundation’s Archive of American Television
The career of Suze Orman was recently celebrated with a special three-hour interview with the Television Academy Foundation’s Archive of American Television
