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Emergency Fund, Investing, Retirement, Saving

Make the Most of Your RMD

If you are at least 72 years old, or love someone who is, 2021 brings us the return of the RMD.

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401k, Car Loans, Family, Investing, Retirement, Roth IRA, Saving

Podcast Episode - Ask Suze (and KT) Anything

On this podcast of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Kelly, Joyce, Nicole, Kim, Marcia, Tommy, Jessica, Robert, Zoya, Lori, and others selected by KT.

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401k, Emergency Fund, Investing, Roth IRA, Saving, Stock Market

Podcast Episode - Ask Suze (and KT) Anything

On this podcast of Ask Suze (and KT) Anything, Suze answers questions from Women & Money listeners Victoria, Larry, Jessica, Debbie, and Rodney selected and read by KT. 

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Bill Paying, Bills, Emergency Fund, Health Insurance, Saving

The Emergency You Really Need to Plan For

You know I wish all of you great health. And a life free of injury. And you also know that one of my most important pieces of advice is to “hope for the best and plan for the worst.”

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Credit Cards, Emergency Fund, Goals, Retirement, Saving

What’s Your Post-Covid Spending Plan?

Now that coronavirus vaccinations have begun, I know that we are all eager to be able to get out more, get together more, and maybe even get-away (travel) more.

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Credit Union, Emergency Fund, Financial Security, Saving, Saving Money

Your Ultimate Savings Opportunity Starts Now

Finally, 2021 has arrived and I can only hope that it is a far better year for all of us than 2020.

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Credit Union, Saving, Saving Money

Podcast Episode - Suze's Savings Solution

On this podcast, Suze announces a major initiative she has been working on for months!  Imagine how great it would be if you could get paid to save your money instead of spend it.

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Bill Paying, Credit Cards, Emergency Fund, Finacial Planning, Financial Security, Saving

Do You Have a Plan for Your Money from Washington?

In the coming weeks many households will likely be getting some financial help from Washington. A new round of stimulus checks and a supplemental federal unemployment benefit was finalized in late Dec

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Emergency Fund, Saving, Saving Money

Podcast Episode - Day By Day

On this podcast, Suze talks to us about ending the year during very uncertain financial times.

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Emergency Fund, Saving

A New Savings Goal for 2021

Those of you who joined my free Financial Solutions for You webinar last month got a jump on an important new piece of advice.

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Children, Family, Financial Security, Retirement, Saving

Top Way to Financially Help Adult Children

I have been hearing from so many of you who are worried about how your adult kids are faring, and will fare, in our current economy. Some of those kids have moved home. Some are struggling to make end

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ETFs, Saving, Stock Market

Podcast Episode - Light The Candle

In this podcast, Suze talks about the flame we all have burning inside of us and how we need to keep that flame lit, when things get rough.  We also get a mini-Suze School covering three topics.

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Credit Cards, Debt, Financial Independence, Saving

Podcast Episode - Special Best Of: Keeping Good Company

There is a storm affecting Suze’s ability to send her podcast today. Suze presents this special "Best Of" from November 1, 2018, where she and Sarah ask and answer an important question.

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401k, IRA, Retirement, Roth, Roth IRA, Saving

Podcast Episode - Mistakes You Can't Afford to Make with ROTHs

In this episode, Suze takes us back to “Suze School” for a lesson on Roth IRAs and the tax ramifications of each account. Pay attention and listen again, as this is important information to know.

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401k, Debt, Roth IRA, Saving, Social Security

Podcast Episode - Ask Suze Anything

On this podcast of Ask Suze Anything, Suze answers questions from Women & Money listeners (as read by KT) Tracy, Kierra, Grant, Katie, Sam, Diane, Brijesh, Sue, and Debbie. 

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401k, Life Insurance, Retirement, Roth IRA, Saving, Trust, Will

Podcast Episode - Ask Suze Anything

On this podcast of Ask Suze Anything, Suze answers questions from Women & Money listeners Sandra, Melinda, Millagros, Amy, Angeline, Shelly, and Sheri. Today’s questions are read by a special guest!

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Disaster Relief, Saving, Security

Podcast Episode - The Seven Words You Should Never, Ever, Ever Say

On this podcast, Suze says that words are powerful; they have the power to create or the power to destroy, the choice is up to you. She tells us the advice she gave a friend who had lost hope.

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About Suze, Investing, Saving, Stock Market

Podcast Episode - KT Gives A Suze Update And Reflects On Her First Appearance

On this special episode of Women & Money, Suze introduces you to a very special person, her spouse, KT! Suze and KT share how they live together and make their financial decisions.

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About Suze, Credit, Debt, Saving

Podcast Episode- Best Of: Live From The Apollo Theater

On March 16, 2019, Suze appeared at the legendary Apollo Theater in Harlem, New York, as part of the Women of The World Festival. In this podcast, you will hear a condensed version of Suze’s talk.

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Emergency Fund, Saving

This Trend Among My App Users Makes Me So Happy

I have never been accused of following the crowd. One of the ways I have always “stuck out” is my advice for how big your emergency fund should be.

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Ageing, College, Family, Financial Security, Relationships, Retirement, Saving, Student Loans

Step 1 to Make Your Money Last

I hear from so many of you who are at least 50 that you are worried you won’t be able to have a great retirement. And those of you who are retired are anxious if your money will last.

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Bill Paying, Emergency Fund, Retirement, Saving

Your 2020 Financial Road Map

The New Year has just started, and that’s the riskiest time of year as far as I am concerned.

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Charity, Children, Children And Money, Family, Gift Giving, Saving

What to Do When Your Child Receives a Cash Gift

Teaching your children the pleasure of saving is going to be one of your hardest tasks, since chances are you do not enjoy it either. If you force them to save, they might grow to resent it.

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Family, Kids, Retirement, Saving

Say No Out of Love, Rather than Yes Out of Fear

I know many of you are helping out your adult kids financially. I also know that many of you are worried you won’t be in great shape when it comes to retirement.

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Credit Cards, Emergency Fund, Retirement, Saving, Work

What Will You Do with your 2020 Raise?

A recent survey of employers says they expect the typical raise next year to be around 3%. I hope you are the rock star who lands an even bigger pay increase. But, 3% is good when you consider that th

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Children, Family, Money Management, Relationships, Retirement, Saving

Is Your Family Putting Your Retirement at Risk?

Oh, the things we do for love! A recent survey reports that more than half of U.S. investors provide financial assistance, or personal care to adult children or other family members. The financial aid

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401k, Bill Paying, College, Emergency Fund, Saving, Student Loans

What Every 2019 College Grad Needs to Do…Right Now

If you are a recent college grad, or love one, please listen up on the must-do financial moves you need to tackle right now. Not next year. Right now. The choices you make today will make all the diff

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Credit, Credit Cards, Credit Score, Emergency Fund, Financial Security, Money Management, Saving, Security, Stocks, Work

Yes, There Will be a Recession. Here’s How to Prepare.

It’s been more than a decade since the U.S. economy fell into a recession. That’s a long time ago. But I know for many of you, far from forgotten, as the Great Recession that lasted from late 2007 to

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Children, Children And Money, Family, Financial Independence, Money Management, Saving

What’s Your Financial Education Plan for the New School Year?

I hope you and your family have had a fantastic summer full of fun, adventure and most of all, relaxation. With the academic school year starting soon, it’s an important time for parents –and grandp

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College, Saving, Student Loans

4 Ways to Help a New College Graduate

Earning a college degree is a fantastic accomplishment. Congratulations to all the recent grads.

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Credit Cards, Debt, Saving

Americans Say Paying Off Debt is Their Top Goal

A large national survey by the Transamerica Center for Retirement Studies found that saving for retirement is not our top priority.

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Saving, Saving Money, Savings Account

How to Become a Better Saver

I don’t even need to ask you if you want to save more money. Of course you do. And yet, it can be so hard to get started and stay committed. I get it.

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401k, Ageing, Financial Security, IRA, Money Management, Retirement, Saving, Spending, Work

How to Protect Yourself from the Financial Risk of Turning 50

A new study that looked at the employment and pay patterns for people once they turn 50 should be a wake-up call for anyone approaching or in their 50s. About half of the people in the study suffe

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Financial Planning, Goals, Saving, Saving Money

My 10-year financial challenge for you

You may have seen, or participated in, the 10-year challenge that swept through Facebook, Instagram and Twitter in January, asking people to post a photo of themselves in 2009 and 2019.

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Bill Paying, Credit Cards, Debt, Retirement, Saving, Saving Money

How to Make the Most of a Cash Windfall

Did you land a year-end bonus? Even better, a nice raise? Or, perhaps you’ve been working a side gig and have some extra income to put to work? Also, I know many of you will soon be receiving...

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Financial Independence, IRA, Retirement, Saving, Social Security

4 Numbers Key to a Secure Retirement

I am a big fan of taking the time to pause, take in a deep breath, and slow down. It helps to calm us, and more importantly to give us the ability to look at something anew...

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College, Interest Rates, Retirement, Saving

The Huge Money Mistake Too Many Millennials Make

A recent survey of millennial's found that nearly 4 in 10 adults between the age of 22 and 35 believe that there is no big rush to start saving for retirement, and that they can focus on other go

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CDs, Investing, Saving, Saving Money, Women And Money

Get Paid More to Save Safely

You know I am all for investing money you won’t need for decades in low-cost stock index mutual funds or exchange-traded funds.

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Family, Saving, Saving Money, Women And Money

Could the One-Roof Solution Help Your Family’s Finances?

Financial stress is a multigenerational issue. Young adults look at high home prices in many parts of the country and wonder when –or if– they will ever be able to afford to buy.

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Retirement, Roth IRA, Saving, Saving Money, Spending

The Most Overlooked Retirement Strategy

Saving for retirement is job 1, 2, and 3 as far as I concerned. What you manage to save today obviously plays a big role in what you have to enjoy your tomorrows.

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About Suze, Investing, Personal Growth, Retirement, Saving

**SOLD OUT** See Suze LIVE at the APOLLO!

**SOLD OUT**The time has never been more right for women to finally take control of their finances.

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Children, Financial Independence, Investing, IRA, Kids, Retirement, Saving

Your Kid’s Summer Job Can be an Amazing Financial Opportunity

If your child or grandchild is getting paid for a summer job, it is an amazing opportunity for you to teach two of the most powerful financial lessons.

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Retirement, Saving, Women And Money

A Late-Life Shock Women Can Avoid with Planning

A recent survey of more than 250 widows with a net worth of at least $1 million highlights how so many women set themselves up for later-life anxiety and frustration.

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Goals, Saving

The Most Important Financial Priority: What Keeps You Up at Night?

I know it can be hard to know where to start in building financial security. You want to do what is best, but oftentimes it’s hard to figure out what is best.

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Retirement, Saving, Saving Money

This Free Calculator Could be the Secret to Retirement Planning Success

How much you manage to save for retirement, and how you choose to invest your retirement savings play big roles in determining how comfortable your retirement will be. But once you are retired,

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Family, Saving, Spending

How to Keep Your Pet Project From Ruining Your Finances

According to one survey, 68% of households have a pet today, compared to 56%, thirty years ago.

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Credit Cards, Do's And Don’ts., Natural Disasters, Saving

Financial Do’s and Don'ts After Disaster Strikes

Hurricanes and tropical storms in Florida and throughout the Caribbean, wildfires in the west and the Mexico earthquakes have been devastating for so many. And heart wrenching for all of us.

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401k, Open Enrollment, Retirement, Roth, Saving

3 Retirement Moves to Make at Work That Will Pay off in 2018 and Beyond

Fall is the popular time for open enrollment at work, when employers lay out all the ins and outs of their benefit package for the coming year, and leave it to workers to decide if they want to change or update any of their benefit coverage.

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Children, College, Family, Retirement, Saving, Women And Money

What Every Woman Needs to Get Schooled On.

When the American College of Financial Services recently quizzed retirement-aged people on the basics of how to make their money last, just 35 percent of men passed the test. As troubling as that is, only 18 percent of women passed.

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Car Buying, Saving

Worst Car Trend Ever. 

I have a one-question test on whether you are truly serious about achieving financial security. How long do you want to keep your current car?

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401k, IRA, Retirement, Saving, Work

Avoid These Two Big Retirement Risks When You Land a New Job

When you land a new job you are going to be totally focused on making a great first impression. But I also want you to make sure you take care of your financial future by steering clear of two all-too-common retirement mistakes.

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Auto Insurance, Insurance, Saving

How to Make More than $400 in 15 Minutes

If you have spent more than three minutes watching broadcast television, you’re well aware that insurance companies are eager to get your business. But despite all those commercials, the reality is that many drivers aren’t shopping around for the best auto insurance deal.

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Children, Family, Financial Independence, Saving

Are You Ready to Declare Your Financial Independence?

I hope you have a fantastic July 4th, and that it includes some time to reflect on the principles of our democracy that are celebrated on this holiday. We have so much to be grateful for.

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Family, Insurance, Marriage, Saving

3 Key Financial Steps for Stay At Home Parents

When you and your partner make the decision for one of you to be a stay-at-home parent, the tendency is to center all the financial decisions on the person who is still earning an income. Notice I didn’t say “the one who is still working.” Please. Being a stay at home parent is probably the hardest—and certainly the most important-work there is.

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Emergency Fund, Rates, Saving

Time to Cash in on Rising Savings Rates

You know I believe there is no substitute for keeping an emergency fund in a federally insured bank or credit union account. That is the best—the only way—to ensure your “what if” money is always safe and will always be there for you. Yet I know how frustrating it has been to follow my safe—not—sorry advice since late 2008. That’s when the Federal Reserve pushed safe savings rates down to zero. The Fed’s move was focused to help the economy pull out of recession and then regain some positive momentum. But that was done at the cost of savers earning pretty much nothing.

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Dental Savings Plans, Retirement, Saving, Seniors

How Seniors Can Take the Bite Out of Dental Costs.

I hope anyone nearing age 65 realizes that Medicare does not cover routine dental procedures. As recently reported in a terrific retirement blog, seniors pay more than $1,100 a year for dental work. But what is most troubling to me is that two years ago the nonprofit Kaiser Family Foundation reported that one in five Medicare enrollees said the high cost of dental care is a barrier to getting care. That’s dangerous, as not keeping up with dental care can impact your quality of life—if your teeth and gums don’t stay strong-and can lead to illnesses.

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Saving, Tax Refund, Taxes

The 3 Smartest Moves You Can EVER Make with a Tax Refund. 

The average refund for federal tax returns is nearly $3,000. And I know plenty of you also end up getting some money back when you file your state tax as well. Don’t blow it! Look, I know how easy it is to see your refund as a windfall. And that triggers thoughts of vacations, new wardrobes, or a new gadget or two.

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Goals, Personal Growth, Saving

Financial Resolutions for 2017? Just Do This One Thing

If you have been making a long list of resolutions for the New Year, my advice is to rip it up.

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Car Buying, Car Loan, College, Family, Loans, Saving, Student Loans

This Ridiculous Trend is Driving Me Nuts!

According to the car data experts at Edmunds.com a record number of Americans are making one of the worst financial moves ever. Edmunds.com says that nearly 1 in 3 new car

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Gift Giving, Homeowners Insurance, Insurance, Personal Growth, Saving, Underinsured

My Holiday Challenge: How Much Can You Save While Shopping?

You know that I have often stated that one of the keys to financial freedom is to feel as much pleasure from saving, as you get from spending.

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Car Buying, Car Loan, Charity, Disaster Relief, Donations, Gift Giving, Loans, Natural Disasters, Saving

Nearly 1/3 Of New Car Buyers Are Making A Very Big Mistake

According to Experian, the percentage of consumers who chose a lease when purchasing a new car jumped from less than 27% a year ago to a record high of 31.4% in the second quarter of this year.

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Credit Cards, Emergency Fund, Life Insurance, Natural Disasters, Retirement, Saving

Why I Hate Guaranteed Acceptance Whole Life Insurance

I was glued to the TV recently watching the news when an advertisement for Guaranteed Acceptance Life Insurance came on. Whoo boy, did my blood pressure rise. I am not a fan of this type of life insurance.

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Credit Cards, Do's And Don’ts., Medicare, Natural Disasters, Retirement, Saving, Seniors

How Seniors Can Save Money In 2017

Well, as you have probably heard, the annual inflation adjustment Social Security recipients will get in 2017 will be 0.3%. That’s about $4 a month for the average retiree.

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401k, ETFs, Investing, Open Enrollment, Retirement, Roth, Saving, Stocks

The Best Investment Move You Can Make Right Now

It’s been a great stretch for investors. Stocks have gained more than 250% in the bull market that stretches all the way back to 2009. I am always a big believer that dollar cost averaging-investing on a regular basis-is a great strategy for long-term investors. So don’t take what I am about to say as a reason to give up on stocks: Returns over the next seven to 10 years probably won’t be as good as what we’ve had the past seven years.

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Children, College, Debt, Family, Investing, Saving

Take Interest In Shoring Up Your Finances Now

It's human nature to think that making money entails investing in the stock market, bond market or real estate. But another important way to boost your net worth is to pay down your debts.

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401k, Children, College, Etf, Family, Investing, Retirement, Saving, Women And Money

How to Wring More From Your 401(K)

You may have heard or read recently about some high profile retirement plan sponsors being sued by plan participants for high fees in the plan. Financial service firms-yep, folks who run mutual funds-have been hit with lawsuits, as have the plans run by MIT, NYU and Yale.

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Car Buying, Investing, Personal Growth, Retirement, Saving

The Stealth Retirement Move That Can Save You a Bundle

When it comes to planning for a secure retirement I bet you have the major strategies covered: -Invest in your 401(k) or 403(b) up to point of the match? Check -Save in a Roth IRA? Check -Aim to have your mortgage paid off before you retire? Check -Commit to getting plenty of exercise?

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Children, Family, Saving, Savings

Money Lessons Every Parent Needs To Teach This School Year:

It’s that time of year again: back to school. While I know there are legions of amazing teachers waiting to educate your kids, I need you to step up and do some important teaching that most schools drop the ball on: personal finance.

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Credit Cards, Debt, Financial Independence, Saving

A Great Credit Card for Paying Down Your Debt

If you are struggling to make a dent in a large credit card balance, and you have a strong FICO score, I want you to look into what could possibly be the ticket to finally being able to pay down your balance. As reported by NextAdvisor, the Citi Simplicity Card offers 21 months of no interest payments on balance transfers or new purchases. That’s nearly two years to make progress paying down your credit card debt.

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Family, Home Buying, Home Loans, Insurance, Marriage, Mortgage, Mortgage Rates, Saving

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.

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Children, Children And Money, College, Family, Saving, Student Loans, Teens

Teach Your Children Well-Part 2: Instill the Pleasure of Saving

You know your kids are sponges. So let me ask you a question: what lessons about saving are they absorbing from you?

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Emergency Fund, Home Buying, Home Loans, Mortgage, Mortgage Rates, Rates, Saving

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.

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Family, Marriage, Retirement, Saving, Seniors, Weddings

That $30,000 Wedding Really Costs You $130,000 Or More.

The average cost of a wedding is now more than $30,000. As I have explained in How to Budget for a Wedding, spending even $3,000 on a wedding is a bad move if you have credit card debt, have yet to build a large emergency fund, or aren’t on pace with your retirement savings.

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Children, Children And Money, Home Buying, Home Loans, Investing, Kids, Mortgage, Mortgage Rates, Saving, Teens

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.

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College, Credit Cards, Family, Rates, Saving, Student Loans

Credit Card Industry Set to Rake in an Extra $30 Billion. How to Avoid Paying Your Part.

If you have unpaid credit card balances, your situation could soon progress from very expensive to ridiculously expensive.

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Estate Planning, Must Have Documents, Personal Growth, Retirement, Saving, Trust, Will

Are You Making This Dangerous Retirement Planning Mistake?

I am concerned that many of you are banking on a retirement strategy that may not work out. According to a national survey, more than four in 10 Americans say they plan to keep working past the age of 65.

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Health, Health Insurance, Insurance, Saving, Tax Refund, Taxes

Tips to Keep Your Prescription Drug Costs Down

I am betting plenty of you have noticed the steep rise in prescription drug costs. According to the non-profit Kaiser Family Foundation, drug prices jumped more than 11% in 2014 and are estimated to have risen another 9.6% last year. And there’s no relief in sight. The expectation is that prices will rise about 4% in 2016. All of that is during a stretch when annual inflation has averaged less than 2%.

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Saving, Tax Refund, Taxes

How to “Spend” Your Tax Refund

Spring is a dangerous time of year for your financial security. I know so many of you will be getting a tax refund; some of you may be getting money back from both Uncle Sam and your state. The danger is that you blow the money on a want, rather than focus on your needs.

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Career, Personal Growth, Saving, Tax Refund, Tax Return, Taxes, Travel, Work

The Most Important Tax Tip: File ASAP!

I know you probably can compile a very long list of things you’d rather do than tackle your 2015 tax returns. But please listen to me: procrastination could cost you big time this year, if you anticipate you will be receiving a refund.

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Debt, Goals, Personal Growth, Saving

Conquer Your Fear of Debt: 3 Crucial Steps

When it comes to financial fears, debt is the ultimate four letter word. Whether you have credit card debt, or student loan debt, or want to buy a home or a car that you will finance, you’re dealing with debt. Or more to the point, it’s probably throwing you for a loop. Debt is the major stress point in every household that I’ve worked with.

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Career, Investing, Personal Growth, Retirement, Saving, Work

Conquer Your Retirement Fears

I don’t know about you, but if I see or hear of one more survey about how panicked most Americans are about their retirement, I will scream. That we have a national fear of retirement preparedness is abundantly clear. What we need now are less surveys and more advice on how to conquer retirement fears. Here are my key steps to start down your road to retirement financial freedom.

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Car Buying, Car Loan, Family, Financial Planning, Loans, Saving, Trust, Will

Take Care of Your Family’s Financial Fears

When it comes to ranking financial fears, worrying about how your family will fare if calamity strikes is probably at the top of your list. Yet for some reason, no amount of fear has pushed you to the point of (finally!) taking the steps to protect yourself and your family from the “what ifs” that can strike at any time. I am not here to scold. Or guilt you. I just want you to get past this excruciating fear once and for all. Here’s how:

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Debt, Gift Giving, Goals, Personal Growth, Saving

16 Wishes for 2016

As we turn the corner into a new year, my biggest hope is that peace and happiness is in great abundance for each and every one of you and all those you love. You know from years of hearing me invoke “People First, Then Money, Then Things” that I think there should be no bigger focus than building and nurturing that peace and happiness. But there is also always room to focus on the ways you can continue to build financial security in 2016. The progress you make on taking control of your money will, after all, bring even more happiness and peace into your life.

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Car Buying, Car Loan, Credit Cards, Debt, Loans, Saving

Savings v. Paying Off Credit Card Debt: What’s the Right Move?

One of the hardest challenges managing your financial life is figuring out how best to juggle multiple goals. And one of the most vexing decisions is what to do if you have credit card debt and you have money sitting in your emergency savings fund.

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Career, Debt, Medicare, Retirement, Saving, Seniors, Work

The Danger of Getting a Pay Increase

As year-end approaches, I know that’s when plenty of you will be sitting down with your manager for a year-end review. I sure hope there’s a pay raise involved. Given how stingy raises have been since the Great Recession, I want to make sure that you don’t blow it. Literally.

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Debt, Etf, Goals, Investing, Mutual Funds, Retirement, Saving, Waste

Are You Hostage to a Self-Storage Money Pit?

It’s estimated that Americans spend more than $20 billion a year renting space in a self-storage facility. According to the Self Storage Association, the number of households renting out a storage facility has grown 65% over the past 20 years. It’s hard to drive more than a few miles in urban areas and not spy at least one self-storage business (and often more). The aggregate land mass for U.S. storage facilities spans a total of 78 square miles, or more than three times the size of Manhattan.

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Home Loans, Mortgage, Retirement, Saving, Social Security

4 Ways New Mortgage Rules Can Save You a Ton of Money

Whether you are buying a home or refinancing an existing mortgage, new federally required disclosure documents make it easy-yes, I said easy-to be a super smart mortgage shopper.

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Career, Debt, Investing, Personal Growth, Saving, Work

The One Employer-Provided Benefit You Really Should Use More

An estimated 40% of Americans who get paid vacation days don’t use all their allotted time. On average we’re leaving the equivalent of about one week a year on the table.

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Ageing, Insurance, Life Insurance, Long Term Care Insurance, Retirement, Saving

Why Employer-Provided Life Insurance is Dangerous

One of the most dangerous mistakes you can make is to rely on the life insurance your employer offers up as benefit.

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401k, Etf, Health, Health Insurance, Insurance, Investing, Retirement, Saving

Open Enrollment Season: 4 MUST-DO's

Please don’t keep your health insurance on autopilot. I know it’s tempting just to ignore the annual “open enrollment” communications from your employer to review your choices, and just stick with the plan you have. That could be a costly mistake. Here are 4 reasons to spend some time reviewing your employer-provided health insurance choices:

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Health, Health Insurance, Insurance, Investing, Personal Growth, Retirement, Saving

Health Insurance: 3 Reasons You Should Pick the HSA Option

About half of large employers now offer a high-deductible health insurance plan (HDHP). I know the mere mention of “high deductible” might send your blood pressure skyward, but please listen to me. For many of you, a HDHP may be the smartest health insurance.

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Children, Cutting Costs, Debt, Family, Saving, Student Loans

Five Easy Moves to Save At Least $100 a Month

I’ve spent a lot of time poring over the finances of families who come to me for help. No matter what problem they are trying to fix, a universal step in my review is to go through their monthly spending in detail and show them how trimming back on certain expenses can add up to substantial savings.

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Children, Children And Money, College, Credit Cards, Family, Fico Score, Kids, Saving, Teens

How Grandparents Can Make the Most of a Grandchild’s Summer Job

So often grandparents come up to me and ask how they can best help their grandchildren get a leg up. My favorite move is to gift a grandchild money to open a Roth IRA. Here’s what you need to know:

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Children, Children And Money, Family, Retirement, Saving, Teens, Women And Money

A Message for Husbands: Your Wife Should Drive the Retirement Planning

One of the most common things I hear from many couples is that the husband likes investing and planning, and thus wives are all too happy to let him handle the retirement strategizing. Big mistake. Not because I am doubting the skill and intentions of men. Rather, my concern is that it’s women who typically are the most at risk in terms of retirement security for a very simple fact: Women tend to outlive men.

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Bills, Budgeting, Children, Children And Money, Emergency Fund, Family, Personal Growth, Saving, Teens

Emergency Fund 101

It makes me so sad to read reports that many households don’t have even $1,000 set aside to cover an unexpected expense. What’s so sad is that I know that must cause such stress.

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401k, Loans, Retirement, Saving, Taxes

The Biggest Retirement Planning Mistake

A recent report that studied the 401(k) savings habits of millions of workers found that one in four of you are not contributing enough to your account to qualify for your employer’s maximum match. The average annual amount of money left on the table is more than $1,300 a year. That is nuts.

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401k, Home Buying, Home Loans, Mortgage, Mortgage Rates, Retirement, Saving

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.

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Home Buying, Home Loans, Mortgage, Mortgage Rates, Personal Growth, Saving

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.

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Home Buying, Home Loans, Mortgage, Mortgage Rates, Retirement, Saving, Social Security

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.

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Family, Insurance, Life Insurance, Marriage, Saving, Weddings

Life Insurance Made Easy. Really!

Life insurance is such a difficult financial hurdle for so many of you. You’re either queasy about pondering the need for it in the first place, or you are rightfully queasy about getting taken by an agent selling you a way-too-expensive policy.

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401k, Children, Children And Money, Investing, Kids, Retirement, Roth IRA, Saving, Teens

The Four Steps to Retirement Saving

Saving for retirement is a no-brainer. But knowing the smartest ways to do that saving is anything but easy to figure out, given all the choices. Don’t worry, I’ve got you covered. Here’s exactly what you should do, in the order I list:

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Credit Cards, FICO, Home Mortgage, Investing, Loans, Rates, Saving

4 Signs You Should Rent Not Buy

I am a big believer in home ownership, but only if it makes financial sense. If you answer yes to any of these questions you are better off renting:

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Car Buying, Car Loans, Personal Growth, Retirement, Saving

The Two Biggest Mistakes You Can Make When Buying a Car

If you lack the cash to buy a car free and clear, you really need to hear me out on the two worst financing moves you can make. What I am about to tell you can save you hundreds, if not thousands of dollars. And trust me, this is exactly what car dealers and financing companies don’t want you to know:

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Credit, Credit Cards, Credit Score, FICO, Health, Health Insurance, Insurance, Saving

The Best Moves to Boost Your Credit Score

Having a good credit score isn’t good enough. To land the best loan deals and qualify for the best credit card offers you need to have a seriously great FICO credit score of at least 740. Here’s how to improve your FICO score.

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Investing, Personal Growth, Saving, Tax Refund, Taxes

Suze Orman’s 10 Tips To Spring Clean Your Finances

Spring is in the air! Springtime is about renewal and rebirth, and therefore a perfect to take stock of your life, and take charge of your finances. It’s time to get off the fence and spring clean your finances, ladies!

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College, Family, Saving, Student Loans, Students, Tax Refund, Tax Return, Taxes

Approved: White House Proposal for Universal Access to College

President Obama has announced a plan that would pay for 100% of the tuition for anyone who wants to attend a community college and can commit to remain on course to graduate from the two-year program

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About Suze, Family, Investing, Personal Growth, Retirement, Saving

The Road Not Taken: How Losing $50,000 Became My Biggest Gain

Far from aspirations that would lead a reporter to refer to me as “a force in personal finance,” my career is the result of a hot tub dream gone bad.

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401k, Debt, Goals, Investing, Personal Growth, Retirement, Saving

Let’s Not Sell Young Retirement Savers Short

A recent paper from the influential Research Affiliates investment management firm (more than $140 billion in assets managed) takes the provocative stance that young adults saving for

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Debt, Goals, Investing, Personal Growth, Retirement, Saving

What Baby Boomers Are Getting So Wrong About Retirement

Listen up my 60 something friends (and those of you heading to that milestone soon) we need to have a talk about your retirement planning.

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College, Credit Cards, Debt, Family, Saving, Student Loans, Students

No Student Debt? Great, But You’re Still Being Dragged Down by the Student Debt Crisis.

If one were to ask me what I think is the most dangerous threat to our economy, the answer is very simple: STUDENT LOANS.

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Career, Debt, Investing, Personal Growth, Saving, Work

Suze Orman’s Dos and Don’ts during government turmoil

Congress’ shenanigans to shut down the government for 16 days this month has many Americans rightfully concerned about their personal finances.“If you don’t want to be affected by the actions—or lack of actions—in Washington, you and you alone are going to have to save yourself,” insists Suze Orman.

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Bankruptcy, Credit, Debt, Goals, Personal Growth, Saving, Waste

The good thing about bankruptcy

Bankruptcy rates spiked during the 2008 recession and many were pretty judgmental toward the millions who couldn't afford to pay their bills. But Suze Orman says bankruptcy is the better option over burying your head in the sand. "When somebody really doesn't have money to pay their bills then they should claim bankruptcy and face it right on and start all over again," says Orman.

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Car Buying, Children, Children And Money, Family, Gift Giving, Kids, Saving, Savings

Suze Orman's road rules for car buying

The car you're driving could be driving you into poverty, says Suze Orman. While lenders are relaxing terms and offering longer periods for borrowers to pay, Orman is sticking by her rules of the road.

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Estate Planning, Home Loans, Mortgage, Must Have Documents, Saving, Trust, Will

Why Everyone Needs a Living Revocable Trust

Everyone needs a living revocable trust, says Suze Orman on this week's episode of "The Suze Orman Show." In response to several emails and tweets asking why a trust is so mandatory, Orman spells it out. "A living revocable trust serves as far more than just where assets are to go upon your death and it does that in an efficient way," she said. Unlike a will, a living trust also covers you while you are still alive, Orman noted.

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Credit Card, Debt, Life Insurance, Retirement, Saving

What’s really causing your recurring debt?

Do you keep finding yourself with debt that just won't go away? Every time you pay off your credit card, do you feel compelled to run out and charge it back up again? If so, your problem may not be financial at all.

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Credit, Debt, Health, Health Insurance, Insurance, Loans, Motgage, Saving

Beware of new tricks of the trade to get your money

It is becoming easier to get a loan these days and that's not necessarily a good thing. "I'm telling you things have gone bizarre again, at the exact time they shouldn't be going bizarre. So, you need to stay very strict with yourself," warns Suze Orman.

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Family, Health, Health Insurance, Insurance, IRS, Marriage, Saving, Taxes

Same-Sex Married Couples To Get Federal Tax Recognition Regardless Of State

The U.S. Department of the Treasury announced Thursday that when it comes to taxes, it will recognize same-sex couples' marriages even if they live in a state that does not.

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About Suze, Cutting Costs, Debt, Family, Personal Growth, Saving

Smooth Sailing With Suze Orman

America's most famous expert on personal finance and star of her own award-winning CNBC television show offers advice for “staying” afloat in these economically turbulent times, thanks to lessons learned at sea.

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About Suze, College, Family, Kids, Marriage, Saving

SUZE ORMAN: The US Tax Code Is “A Travesty” For Gay Couples

Personal finance expert Suze Orman took a break from her soap box at CNBC on Monday to speak candidly about her experience as a gay taxpayer in America. "There is such discrimination [in our tax

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About Suze, Emergency Fund, Personal Growth, Saving

The Three Communication Skills That Make Suze Orman An Influential Celebrity

More than 300,000 financial advisors in the United States provide saving, investing and retirement advice, but only one made the top ten of the Forbes 2013 list of the most influential celebrities: Suze Orman.

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401k, About Suze, Retirement, Saving

Suze Orman Ranks on Forbes Most Influential Celebrity List!

Forbes magazine has released its list of Most Influential Celebrities of 2013. Suze makes the top 10!

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401k, Long Term Care Insurance, Retirement, Saving

Saving Money: Suze Orman’s Financial Advice For Baby Boomers

Long-term-care insurance provides a multigenerational benefit: The policyholder is covered, while her adult children are free to spend more of their income on their own kids. Here's what to consider when choosing LTC coverage...

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About Suze, Personal Growth, Saving

Suze Orman Now Available on the CNBC Alarm Clock App

The CNBC Alarm Clock App has added the voice of Suze Orman, host of CNBC's "The Suze Orman Show" (Saturday nights at 9PM & 12AM ET), by popular demand. Now CNBC Alarm Clock users can select the award-winning television host to get them up and make sure they get right to business.

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About Suze, Personal Growth, Retirement, Saving, Social Security, Taxes

Gay Americans pay more taxes for fewer rights

That nine states and the District of Columbia have legalized same-sex marriage is encouraging progress for those of us who believe that everyone deserves to have basic civil rights. But, even if every state in the country could pass a similar legislation, it would not be enough.

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Budget, Credit Cards, Debt, Gift Giving, Saving, Spending

How Not To Go Off The Financial Gift Cliff For The Holidays

Whenever you feel fear about spending money that should be a sign that you're spending money you don't have to possibly even impress people you don't even know or like.

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