Make Your Money Make More Money

For this Suze School, Suze gives us some updates on a few things, plus her projections on the stock market, bonds, real estate as well as the theme for 2025: "Make your money make more money."

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Episode Transcript

Suze (00:41):
January 5, 2025.
Whoa.
Anyway, welcome everybody to the Women and Money podcast and
everybody smart enough to listen.
So are you happy that it's all over? I'm always
very happy when the holidays are over. They're so much,

(01:04):
isn't it? Doesn't it feel like you have Thanksgiving? Then
you have the holiday of either Christmas, Kwanza or Hanukkah,
and then you have New Year's, and here we are,
and we start all over again. So I hope all
of you had a really great holiday.
But for me personally, I'm happy to start again now

(01:26):
and just go for it for this year. But before
I do that with all of you, let's just do
a little update because I know a lot of you
have written me and you're just curious. So the very
first update, by the way, is about the theme song
for this year.
And as I'm sure you heard that the theme song

(01:49):
is still unstoppable by Sia. When I originally asked Sia
if I could use Unstoppable as the theme song for
the Women and Money podcast, the lawyers and everybody said yes,
but it was for two years, and those two years
ended last year.
Therefore, I wrote Sia, and I said, Sia, I just

(02:10):
want to thank you so much for letting me use
your song as my theme song for the Women and
Money podcast. It was so great, and she wrote me
back and she said, Why, Suze? Why have you stopped?
And the conversation went on that it was only supposed
to be for two years, and she wrote back and

(02:30):
she said, No, Suze.
I gave you the rights to that song for the
rest of your life as long as you want to
use them.
So here we are. The theme song remains unstoppable, and
I love that theme song, and I love it so
much because really if you listen to the words of it,

(02:54):
it's how you empower yourself. You don't let anything stop you.
You have this vision of yourself and you just go
for it.
And then in the end you are unstoppable, and I
think it's really, really important in life today that you
don't let anything or anyone stop you. You don't let

(03:17):
the economy stop you. You don't let politics stop you.
You don't let others' opinion of you stop you. You
don't let your job or your work or your family.
Nothing can stop you from being who you were born
to be.
And so therefore kind of have to know who you
were born to be, but no seriously, and you were

(03:39):
born to be a powerful, powerful person who really loved
their life, enjoyed their life, and also could be the
masters of your own financial destiny.
So number one, thank you, thank you, Sia, again. So
we are going to remain with our unstoppable theme.

(04:04):
The other thing update just so all of you know,
is Colo, Columbia, who is like our son that all
of you see on the Women and Money podcast app. Annie,
his wife came to visit.
And I just want to tell you she was here
for a week.
I can't believe how adorable, gracious, heartful, everything. She is perfect.

(04:33):
The two of them are perfect together.
And now it's, I feel like we have a daughter-in-law
because we loved her, and we actually said to Colo
after she left, Colo, you have to bring her here
more often, that Colo, if you want her to live
here with you, she absolutely can.

(04:53):
So Colo is so happy. Annie is so happy, and
it's just, oh, that was the best time ever. The
four of us here alone, so we would get to
know her. She got to know us obviously we left
them alone a lot of the time, but perfect.
The next update is about Alliant Credit Union and their

(05:16):
interest rates on the 6 month and 12 month certificate
of deposit. Now, a lot of times we hear about
interest rates are going down, they're going down. Well, as
of January 3rd.
Alliant had an increase in their six month certificate of
deposit from 4% to 4.10% and their 12 month certificate

(05:41):
of deposit from 4.10% to 4.25%.
So that's kind of great if you ask me. Also,
their 12 month jumbo certificate went from, which is 75,000
or more, went from 4.15% to 4.30%.

(06:03):
So those match very well with the one year treasury
and everything like that. So if you have a certificate
of deposit that happens to be maturing or you want
to get one from Alliant Credit Union, those are good rates,
you would go to my Alliant A L L I
A N T.com.

(06:26):
Next, for those of you who have been writing about
long term care insurance, how much is it going to cost?
Do you want a quote on it, whatever it may be,
if you go to the Women and Money app, which
you can download on Apple Apps or Google Play.
And you go to the front page and if you

(06:46):
scroll down you will see a little square that says
long term care insurance. If you click on that and
you look at it, you'll see that there is a
long term care insurance calculator.
And that calculator, if you use it, will actually estimate
for you what your long term care insurance premiums will be. Now,

(07:11):
the last update before we start Suze School, which will
be projections, by the way, of the stock market, bonds,
real estate, everything that I'm sure you want to know,
and also the theme for this year. But the last
update is on Mister Keith Fitzgerald.
And while I wish I could say to all of you,

(07:32):
guess what, the program is ready. It is not ready yet. However,
I'm going to tell you exactly what is being created,
because I think that might help you be more patient
to understand why this is so complicated, OK.

(07:54):
So first of all, one of the hardest things to
do when it comes to investing.
Is to dollar cost average to know when do you
put more money into a stock, when don't you, when
do you sell, when do you buy all of those things.
So sometimes it's easier when you pick a stock, OK,

(08:14):
but then to know when do you continue to invest
in it or sell it is probably the hardest part
of investing. So a breakthrough method.
Has been created seriously that is better than dollar cost
averaging and it's called value cost averaging and Keith has

(08:40):
created something called my value path.
And the reason that it's being called that is it's
going to be your, so you're gonna call it my, right?
But it's gonna be your path to how to get
the most value out of your money.
So again this is going to be a breakthrough method

(09:05):
that is actually better for you than just buying and
holding and better than dollar cost averaging because it's going
to give you a smoother ride. So this value path portfolio,
your value path portfolio is going to consist of 10

(09:25):
to 12 stocks.
And you are going to have to buy them yourself
at wherever it is that you invest, but 10 to
12 stocks are going to be named for you.
And they're really to complement your long-term existing portfolios like

(09:46):
spiders and other ETFs that you have.
So what this program will do is that you will
go online and you will just designate the amount of
money that you're interested in investing and leaving alone for
like 5 years, then you will be provided a roadmap.

(10:08):
Of these stocks and you will get monthly emails telling
you how much of each stock to buy or sell
to keep you on that path, just that simple. So
if you're going to invest, let's just say $25,000 you're
not investing and sending anywhere, you have that money at

(10:30):
some brokerage firm already.
You will get an email with the 12 stocks or
whatever it is that you're to buy.
Then it will divide whatever amount of money you designate.
So let's just say 25,000. It will divide that into,
to begin with, the first month, how much you should
put in each one of those stocks. The next month

(10:54):
you get another email and it will tell you if
you should invest more in any one of those stocks.
In all of them, it will go on like that
for 12 months.
And that's how you're going to do it now. This
is not for what Keith calls hot money, although it
can happen, but it's for serious investors who are using

(11:18):
money that you won't need for at least 5 years,
but it's going to help and guide you into what
stocks Keith wants you to buy.
And how to value cost average into these stocks with
the exact money in your particular situation. So the reason

(11:39):
that it's taking so long is that the computers have
to be able to figure it out for all of you.
One of you may sign up and you may have 25,000.
Another one may have 100,000. Another may have a million.
So it has to be able to calculate for each
one of you.

(11:59):
What you should be doing every single month and again
you will get that email once a month or even
more possibly depending on what happens with the market for
12 consecutive months and then it renews. The cost of
it is just going to be anywhere from like $175
to maybe $250 a year, something like that, and that's it.

(12:23):
And then it will renew every year for 5 years
to guide you, and that's how it is. It's going
to be called My Value Path, but that is why
it's so complicated. So again, he's also going to be
giving simple inputs on where you're starting and how much

(12:44):
you should plan to invest. All of that's going to
be in there.
So it's comprehensive. I don't know. Will it be done
in this month, next month, the month after? I don't
know for sure, but I do know that he's not
going to bring it out until it's 100% perfect.

(13:05):
I don't want this to be a year where you're
just waiting for Keith to come out with this program.
You can still invest, and I'll get to that in
a second with what I think people should be investing in.
But the point that I want to make here right
now is that's your update on Keith, which actually kind

(13:30):
of brings us to a theme for this year.
So on New Year's Day,
As I do every single New Year's Day, I listen
to a certain broadcast where there is a message for
the new year.
And the message for this new year was, write this

(13:52):
down everybody, get out your notebooks because this really is brilliant.
It's "make your time worth your time."
And I just thought that was so brilliant. I wish
I had thought of it myself, but it's "make your

(14:13):
time worth your time," cause sometimes so many of us,
we spin and we spend all this time doing this
or that and whatever, and is it really worth your time.
So I started to think, how can I make that
appropriate for a money podcast.

(14:37):
And I decided that I should change it to "make
your money, make more money."
So that is our theme
For your money to make more money you have to

(14:59):
be doing something with it. You can't just really let
it sit and do nothing, even though maybe it's making
4 or 5%.
It's really not doing something for you and truly growing.
And so if you look at for the past two
years now, the Standard and Poor's 500 Index, and for

(15:21):
those of you who don't know, that's just simply an
index made up of 500 stocks that make up the
Standard and Poor's 500 Index, which is an index everybody
tracks to see is the market going up, is the
market going down? That's been up 20% now, two years

(15:41):
in a row.
So while it may look great that you made 4.5
or 5% on your money just sitting there.
There's got to be some part of your portfolio that
you can make more money out of your money.
So again, make your money, make more money.

(16:05):
So to do that, however, we need to also know
what should we be doing, what are the projections of
what's going to happen this year now in all kinds
of areas such as the stock market, the bond market, Bitcoin,
and real estate and gold. So with that said, here's

(16:27):
what I think.
In terms of the stock market, I do not think,
and I hope I'm wrong, but I don't think that
this stock market is going to be as easy as
the last two years. I think this is going to
be a market that goes up and then goes down
and then goes up and then goes down.

(16:50):
And what's so great about that is that when the
markets go down and certain stocks that have been skyrocketing
go down.
You have the ability to put more money into those
stocks if you so wish to do so. And so
therefore I think that's exactly what is going to happen.

(17:11):
It's important that you watch the market, so to speak,
and when they do take a dip, if you do
have more money that you want to put in, then
you absolutely should and take advantage of it cause I
do think in the long run the markets will be
going up and I do think in the years '26

(17:34):
and '27.
It's going to be an extraordinary time for investing and
the economy. I just do. So this is the year
to kind of get yourself situated so that you can
make your money, make more money for you, but to
do so you have to be invested.

(17:57):
Now the question becomes, but Suze, I don't know. I
don't know where to invest. That's why I was looking
forward to Keith's program. All right, just be good there.
It's all right.
There are certain exchange traded funds. Forget individual stocks for
the moment. There are certain exchange traded funds that nothing

(18:19):
should be stopping you from investing in them, and the symbols,
I'm not going to give you the names cause it
will just take up too much time. But write down
these symbols. If you have a portfolio and you want
that portfolio to be made up of exchange traded funds.
For this year.

(18:40):
I think you should look into IWM.
S P Y, these are all symbols. V T I,
Q Q Q, X L F, I N D A
and S C H D.

(19:00):
Those are all exchange traded funds that you could put
little amounts of money in.
And then when they go down, you put more in,
when they go up, you enjoy it and so on
and so forth. Those are ETFs that I don't have
a problem with you investing in any of them on
any level.

(19:21):
Now when it comes to individual stocks,
it's really the same stocks that all of you have
been hearing on this podcast over the past year or two.
And if you own them, you should keep them. A
lot of people are saying, but Suze, some of them

(19:42):
are so high I should sell now. I get afraid
they go down. Great if they go down and you
have the money, buy more.
The way that you make your money, make more money
is not by selling.
It's about being patient, having time on your side, and

(20:02):
letting those stocks, when they go down, let them go down,
and if you don't have more money, fine, just keep them.
And if you do have more money, invest more in them.
And that's really how you will make your money make
more money. Now for those of you that are interested

(20:23):
in what stocks, is it possible that I'm talking about here?
So here are symbols again. I'm going to give you
symbols A A P L, W H R, M S
F T, C T R E, N V D A, W
M T, I O N Q, A V G O,

(20:47):
P L T R, T S L A, P F E,
E Q T and G E V.
Those are all stocks that I've mentioned in the past.
And have performed very well for us, but I still
think they're all going to go up.

(21:08):
Now one might think, well, why don't I just buy
all those? Why will I need Keith's program when it
comes out? Because it's really incredible to have a guide
of when to buy more.
When to skip it, when to sell, and that's what
the value path investor is going to give you. So

(21:30):
it's going to be my value path. All right, that
is an update
on the stock market. Let's briefly hear talk about Bitcoin
because a lot of you are asking me why do
I invest in an ETF rather than just buying like
through Coinbase, Bitcoin directly or through PayPal Bitcoin directly.

(21:55):
Because the truth is, if you just buy the Bitcoin itself,
you would make a better return on it because Bitcoin
itself moves faster than the ETF of Bitcoin.
And the reason everybody that I feel much better buying IBIT,
the ETF, rather than Bitcoin directly is I've had too

(22:19):
many people even with Coinbase that have had their Bitcoin stolen.
And because there's nothing really physical, so to speak, backing it,
there's no insurance backing it. There's nothing like FDIC, where
if your money in a bank happens to go down
or a credit union, the NCUA, you get your money

(22:40):
back up to a certain amount. That isn't true with Bitcoin.
So when something happens and somebody steals your Bitcoin, guess what?
You're not going to get it back. I don't like it.
And the companies, believe it or not, aren't going to
help you get it back because they don't know how,
in my opinion, to help you get it back. So

(23:02):
with the progression of artificial intelligence and all these computers
and everything, I think things are more easily done today
like stealing Bitcoin than even in the past. Therefore, I
feel more comfortable with IBit.
Which is an ETF by BlackRock where they can control

(23:24):
all that and they'll be fine with that.
So that is the reason why. Also, you'll notice by
the way, um, the symbol INDA in the ETFs that
I gave you, that's the ETF of India, and I
do think over time India is going to emerge economically

(23:48):
speaking as one of our leaders.
As a really developed country, believe it or not, and
so therefore that's why I put that in there. So
Bitcoin has been going from the mid 90s up to
the 100,000 and whatever on the Women and Money community app,

(24:11):
I put out an announcement that I think during this
time that it is possible short term anyway.
That Bitcoin can stay around right where it is trading
here going up, going down, but it also is possible
that it could go back down to its support level

(24:32):
of approximately $84,500. Right now it's about $97,000.
And what is the support level? It's a level that
when something is fluctuating, it tends to go down to
a place where it was really strong. It was supported
at that level, and that's $84,500 a bitcoin.

(24:58):
If it breaks the support level, it continues down below it.
The next support level is 73,800. Now I do not
know if Bitcoin's going to go up or down. It's
impossible to know, but I do think right now in
its trade.
Range that you might see it go up to 100

(25:19):
and then back down again or whatever it's possible it
could go to 84,000 whatever. So if you're investing in
Ibit do it little by little and watch to see
where it goes.
So that's what I think about Bitcoin, but I do
think in the long run you should absolutely with money

(25:39):
you can afford to lose, be buying it. I think
you will see it go to at least 125,000 a Bitcoin.
In my opinion, Bitcoin has taken hold. OK, real estate.
I think that the interest for mortgages for real estate
are going to be stuck right around here. We're not

(26:00):
going to go back to them below 6% in my opinion.
They're not going to go back to 4% or 3%.
So you have all these people again that own all
this real estate with a low interest rate that they're
just going to stay put, so we still don't have
the supply that's needed for people who want to buy.

(26:21):
I do think, however, if we're just patient in everything,
I think real estate will absolutely loosen up by the
end of this year, and then we'll see what happens there.
But obviously if you have a home now and you
want to buy, fine, but I think it's still going
to be a market that's very difficult for a lot

(26:43):
of people to get into because of the price of
real estate, which I think is pretty much going to
stay right around here.
And the mortgage rates for people to get into it
in terms of bonds, well, I don't think interest rates
are really going to go down that much anymore.
But I also think because of that you never know

(27:06):
when they could go up, so I'm still going to
stick by what I think is important is that you
can go short term now if you want. I don't
have a problem with you doing the 6 month or
the 12 month CD at Alliant Credit Union or 3
to 5 year treasuries or whatever you want, but I'd
be a little hesitant, believe it or not, to go

(27:28):
long term at this point in time.
I know I was a very big advocate of 30
year bonds last year, but the feds changed course on us,
and you have to be willing to go with the flow,
and that is the new flow. So there's nothing wrong
if you bought them and you're getting an OK interest rate,

(27:48):
no problem.
Hopefully that was with money that you didn't need or
wanted for a period of time and then we'll just
have to see what happens cause you never know what
can happen when it comes to interest rates, real estate, bonds,
the stock market, and last but not least, gold.

(28:09):
I still think it's OK to have a little bit
of gold in your portfolio. Gold seems strong here, so
if you want to do so, why not? You can
do the ETF in gold as well, which is GLD,
but just with a small amount of money.
In summarizing this Suze School.

(28:30):
How are you going to make your money, make more
money by being involved, investing it little by little, for
those of you who own, especially the stocks that I named,
you stick with those stocks. You stick with them.
Apple, Palantir, Microsoft, all of them. Tesla, fabulous, fabulous stocks.

(28:58):
Do you hear me? So don't listen to all the
hubbub out there. Just stick with them over the long run.
Make your money, make more money. You do it over time.
Not feeling so great when all of a sudden you
have a 50% gain and then you sell and then

(29:19):
what are you going to do besides pay taxes on
it outside of a retirement account and by the way,
this is January. This is the month that all of
you should be opening your Roth IRAs if you qualify
for it for 2025 and if you can fund them

(29:40):
to the fullest.
Because the longer that money is invested in a Roth IRA,
the more you will make over time.
Those are my projections for 2025. I think the markets
are going to be up and down and all over
the place, but I do think that come 2026,

Speaker 1 (30:03):
whoa,

Suze (30:04):
that's what I have to say. But in the meantime,
May you all
make your money, make more money, and if you do that, oh,
you will be unstoppable.