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August 7, 2025 20 mins

Stocks or ETFs?  Suze reveals which wins right now.  Plus, Genius and Stablecoins - what you need to know now… for times are a changing!


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Transcript

Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Suze (00:06):
August 7th, 2025. Welcome everybody to the Women and Money podcast
as well as everybody smart enough to listen. Suze O here,
and I know you're now expecting KT's voice to go, wait, wait.
But she's not here. It's just me, cause she's not

(00:26):
quite back yet from her trip to British Columbia, where
what she has been catching salmon. And for those of
you who go on the Women and Money community app,
and all of you should be, by the way, you
can download it for free at Google Play or Apple Apps.
I have posted pictures of just some of the fish

(00:48):
that she caught.
Now why should you also be going on the community app?
Because I give advice there in between podcasts. So for instance,
when these markets went way down last Friday, I immediately
went on the Women and Money community app, and I

(01:08):
said don't worry about it. Hold, this is gonna be fine,
and I calmed you all down, otherwise you all were
gonna sell and then look what happened on Monday.
Markets went up incredibly. So therefore, bottom line, and I'm
going to reiterate it here, this is the year you
want to own stocks.

(01:30):
Obviously, it is possible that come August, come September, where
we are approximately right now.
The markets could have a rough time. They usually do
in August. However, I don't care. We have a rough
time and the markets go down in particular areas, especially.

(01:52):
This is the time to buy more, not to sell,
not to get afraid, but to buy more of the
stocks that I have wanted you to own now for
a long, long time, most of them in the area
of artificial intelligence. Now over the years.

(02:14):
And it's been years now, believe it or not, I
have been telling you certain stocks that I do want
you to buy. So for those of you who have
been listening on the podcast, hopefully you have bought them, however,
also recently I've been broadcasting the podcast on YouTube as well,

(02:35):
and a few episodes I did just for YouTube, one
in particular on June 17th, and it was on that
YouTube episode that I literally told everybody nine stocks that
I wanted them to buy.
Now all of you from the Women and Money podcast,

(02:58):
you're in all these stocks if you chose to purchase them,
but I also want to teach a lesson here about
what happens with individual stocks versus ETFs that hold those stocks.
So get out your Suze notebooks and get ready.

(03:21):
Now before I go on, I just want to say,
well all of you just go to youtube.com/ Suzeorman, and
that is where you'll find the official YouTube channel, and
there is so much there for you to partake in really,
you'll enjoy it. A lot of the Suze Orman show

(03:41):
is on there now, and while you're there, do me
a favor. Don't forget to subscribe. OK, everybody.
These are the nine stocks that I did recommend on
YouTube and on YouTube, most of the people that heard it,
it was the first time they ever heard me speak

(04:03):
about these stocks. OK, so just be patient here, but
there is a lesson for all of you. And again,
please remember these are all stocks that were recommended on
June 17th.
The first one was Pfizer, and I recommended Pfizer as
I have for a long period of time now for

(04:24):
its dividend, and it is up 2.47% since June 17th. However,
I just want to say something to everybody. It is
very possible because of the tariffs and what's going on.
Pfizer is a stock now that maybe we're ready to
say goodbye to.

(04:44):
I would not be dollar cost averaging into it and
maybe there's a better thing to do than own Pfizer,
just telling you that right now. So if you want
to sell it, I don't have a problem with it,
just so you know. The next stock was Nvidia, and
it's up 23.85% since June 17th. Advance Micro Devices up 39%

(05:10):
since June 17th.
Palantir up 24.86% since June 17th and also Micro Strategies
known as Strategy now is only up 0.45%. OK, those
were individual stocks.

(05:31):
Now I want you to listen to the ETFs because
a lot of you didn't want to buy individual stocks.
You wanted to own all of those stocks, but you
wanted to do it through an exchange traded fund.
So the first one I was telling everybody to buy
if you in fact wanted an ETF and wanted to

(05:53):
own those stocks was SMH symbol. It's up since June 17th, 10.18%.
Not bad. The QQQs are up 6.34% and Ibit.
Which does do Bitcoin, that's kind of like a proxy

(06:13):
for Bitcoin, is up 8.29%, OK?
Overall, all of those are up about 11.21% if you
take it all together, but don't you find it interesting.
That Nvidia up almost 24%, AMD up almost 40%, Palantir

(06:36):
up almost 25%.
That those stocks that you all want to be in
are up double digits big time, yet the ETFs are
only up like 6 or 10%. Now why am I
telling you that? Because if you are able to and

(06:57):
you want to, it doesn't hurt for you to create
a portfolio of those individual stocks. You can buy slices
of them.
Of those individual stocks and then maybe just to get
overall diversification put some of the money in an ETF
if you want like VOO, which is the Standard and

(07:20):
Poor's 500 ETF and it's my favorite one now that
I'm telling all of you about to buy more than
the Spiders, more than whatever we should now really be
focusing on dollar cost averaging into VOO.
So individual stocks for many reasons actually make bigger advances

(07:43):
than ETFs so you can do your own little portfolio
and diversify that way, and I think you would come
out further ahead in the long run.
So I just wanted especially to give the YouTubers an
update as to how they've done. Again, many of you

(08:05):
have been buying some of these stocks for a lot
lot longer.
And your gains should be extraordinary in these particular stocks
if you did what I told you to do a
long time ago next.
I want to talk about something that so many of

(08:27):
you have asked me to talk about, and that is
the stablecoin and the genius act. Now I know a
lot of you are saying to yourself, Suze.
I don't own crypto. I don't want to own crypto.
So why should I care? Well, let me tell you,

(08:51):
because whether you like it or not, especially with Stablecoin,
also like a digital dollar, and I will explain that
in a second, they are a common whether you like
it or not. So I just want you to get
educated right now.
And I want to be able to do this so

(09:13):
that you always feel calm, clear, and really in control
of your financial future. So as complicated as it might
sound at first, I promise you by the time this
episode is done, you will be in what I call
the CCC area Calm, Clear, and in Control when it

(09:37):
comes to your money.
You know I've never wanted you to be confused. I
have always wanted you to be clear, but when it
comes to bitcoin, cryptocurrency, even Stablecoins, you are so afraid.
You're just afraid. Now I don't blame you if it

(09:57):
comes to bitcoin and Ethereum and other things like that,
all right.
But when it comes to Stablecoins, I want you to
know the facts because you need to understand the facts.
You need to understand what are they?
Why is there a new law regulating them, which ones,

(10:18):
if any, are safe and what I want you to
know right now. So I'm going to try to keep
this super simple, I promise you. What is a Stablecoin?
A Stablecoin is a type
of cryptocurrency, but I'm telling you it is very different
from things like Bitcoin or Ethereum. Those other coins like

(10:42):
I just mentioned, they can go up, they can go down.
It's like a roller coaster. One day they're up 10%,
the next day they're down 20%. That's not what we
want for our everyday money.
A Stablecoin is exactly like its name says. It's designed
to be, wait for it, wait for it, everybody. It's

(11:04):
designed to be stable. It's meant to stay at a
1 to 1 value with a real world asset, and
that asset is usually the US dollar.
So that means one Stablecoin equals $1 at least that's

(11:24):
the idea. So you can kind of think of it
like this, all right, it's digital cash that lives on
the internet on a blockchain, and all of you by
now should know what a blockchain is. It's supposed to
give you all the speed and flexibility of crypto.
But with the safety and predictability of the dollar, you

(11:50):
got to hear me here now, but that's a very
big but cause why not all Stablecoins are created equal.
So it just drives me bats when people talk to
me about it and they tell me which Stablecoin they own,
and I go sucker. Well, that's not nice. That wasn't
nice that I just did that, but that's how I
feel because they didn't do their research now.

(12:15):
Up until recently there were no federal rules for Stablecoins.
Do you hear me? Anyone, and I mean anyone, could
create a coin. They could say it was backed by
dollars and then convince people to use it. Now the
truth of the matter is some of these coins really

(12:37):
were backed. They really were, but just some of them.
Most of them weren't, and guess what happened? People lost
their money because why there was no regulation, no audits,
no transparency, really no safety net, and I guess if
we were going to call it anything, it was like

(12:58):
the wild west out there when it came to stable coins,
and that is exactly why.
Congress passed the Genius Act, which is the first real
Stablecoin law in the United States, and I have to
tell you truthfully, it is a game changer, so.

(13:19):
What is the Genius Act? It is a law that
was signed into effect again in July 2025. It's really
the first real framework that we have for regulating Stablecoins
here in the United States.
Now you might be wondering, well, Suze, how does it

(13:40):
do that?
It brings real oversight to these coins, and it makes
sure that they're properly backed and the companies issuing them
follow the rules and that your money is protected if
you use them, but here is the key.
Don't rush into Stablecoins just because they're regulated now. I

(14:05):
want you to wait and see how these companies comply
and always make sure that you understand what you're investing in.
Do you hear me? Remember, just because something is legal
doesn't make it smart for you. So I'll be watching
this space closely, but so should you. I want you
to stay informed and as always.

(14:27):
You need to be in control of your money, don't
you think? So anyway, here's what I need you to
really understand and write down.
While no Stablecoin is 100% risk free, you got that.
Those Stablecoins that are issued by federally licensed banks or

(14:48):
credit unions or are fully backed by cash or short
term US Treasuries, not crypto, not commercial paper, those that
are audited monthly with reports available to the public.
They are transparent about the redemption policies, and they are
compliant with anti-money laundering rules. I got to tell you,

(15:14):
those are the ones that I want you to look
into if you're interested in Stablecoins. Now you're also going
to say, how am I going to know which one, Susy?
So let me just give you an example. If I
were going to tell you about one stable coin that

(15:36):
I personally think is the safest, it would be, and
this isn't a guarantee, OK.
It would be the USDC one called the USD coin,
and it's issued by Circle that's partnered with Coinbase. Why
do I like them? Because they are regularly audited. They're
backed by cash and short-term treasuries, and they have transparent

(16:00):
reserve reports. So in my opinion, this is the closest
thing right now to what the law wants stable coins
to look like.
Now you have to be asking me, Suze, why do
you want me to even know about these things right now?
They all sound way too high tech for me and

(16:22):
far away from how I operate. You got to stop
right here, people, cause the future is coming sooner than
you have any idea.
Because Stablecoins are going to touch your life whether you
realize it or not. Do you get that banks are
already exploring stablecoins to do what? Pay people faster, move

(16:44):
money instantly, 24/7.
To replace expensive wire transfers, settle transactions between companies and individuals.
So one day soon, I have to tell you this,
maybe even this year, your paycheck might hit your account
instantly because your employer used a Stablecoin to move it.

(17:07):
Or your investment app, I know you don't think this
is going to happen, but listen to me, or your
investment app might settle your trades with Stablecoins behind the scenes,
and you might not even notice it, but it will
be happening. So I have to ask you, are you
going to be ready? Will you understand what's happening with

(17:28):
your money and you need to, which is why I
decided at this point in time,
to do a podcast on Stablecoins. So what you need
to do right now.
First of all, I want you to stay in insured
accounts for your emergency fund. Use high yield savings accounts,

(17:51):
US Treasury's, money market funds. That is where it should go.
Do not put your rainy day money in a Stablecoin,
any Stablecoin. Do you hear me? Next, do not invest
in Stablecoins. They are not investments. They are tools, and
I need you to treat them that way.
Number three, if you were to use one, I only

(18:14):
want you to use USDC. If you happen to be
invested in the PayPal USD, OK, but I really think
the USDC one with Coinbase is my number one pick.
Number four, can you just ignore any hype that's out there?
So many of you write me and you tell me
what you've read on Reddit and da da da da. Again,

(18:37):
you are to ignore the hype and you are to
ignore the fear. You don't need to get rich off stablecoins.
That is not what they are there for. So you
just need to stay protected as this new system takes shape.
And number five.
I want you to be really smart with your money.

(18:58):
So how do you do that? You continue to dollar
cost or value cost averaging into the stocks, ETFs, whatever
it may be.
That you like you're going to hold on for the
long haul. You're going to use Roth accounts whether it's
a 401k, 403B, TSB, Roth IRA, both of them, or

(19:19):
backdoor Roth. You are going to have your money in
Roth retirement accounts most of the time. You're going to
have an 8 to 12 month emergency fund of the
must pay expenses. You're going to live below your means
but within your needs.
And you're going to try to own your home outright
if you own a home that you're going to keep forever,

(19:41):
you're going to try to own it outright by the
time you retire. If you do all of those things.
I'm telling you you're going to achieve the goal of money,
and what is the goal of money is for you
to be secure. All right, everybody, until next Thursday when

(20:01):
Miss Travis will be back and joining us and this
Sunday where it will be the final chapter, part 3
of what the Big Beautiful Bill offers you that you
need to know about.
Until then, all I want for you is to be safe, sound,
and secure, and to make your

(20:22):
money, make more money.
See you soon.
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