Suze Orman
speaker
12,336 appearances
40 recordings
1 series
first heard Jan 2026
last heard 3d ago
Suze Orman’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 40 in all, peaking in Aug 2026 with 9.
Appearances
A QLock is not an investment, it is insurance against outliving your money.
podcast-host
If you are judging it only by the investment return, or you're going to save taxes by
podcast-host
Reducing RMDs, you're asking the wrong questions.
podcast-host
That is not the only reason you should be doing this.
podcast-host
The right question is whether you need to ensure the financial risk of living to 90, 95, or 100.
podcast-host
Now, if any of you have read the Ultimate Retirement Guide for 50 plus, and a lot of you have.
podcast-host
and it's out in soft back now, so you should take a look at it.
podcast-host
However
podcast-host
Part of your retirement plan was if you didn't have enough income, you had money in a retirement account, maybe an immediate annuity or QLOC might be for you.
podcast-host
But you need to know because a QLOC is a special type of deferred income annuity that you can only buy with money from an eligible pre-tax retirement account, like a traditional IRA or from an employer plan, such as let's say a 401k, a 403B, or 457, if your plan makes QLOCs available.
podcast-host
In them.
podcast-host
You cannot buy this, by the way, if you listen to me over all the years, thank God, in a Roth IRA or any Roth retirement account of any kind.
podcast-host
And why is that?
podcast-host
Because you don't have required minimum distributions at all in a Roth account.
podcast-host
So you don't have an RMD problem.
podcast-host
There are other ways for you to solve income, but not with a Q lock.
podcast-host
All right.
podcast-host
So how does a Q lock work?
podcast-host
Simple, you give an insurance company a lump sum of money from your retirement account.
podcast-host
In exchange, listen to me, the company promises to start paying you a stated income later, and that income can continue for the rest of your life.
podcast-host
Showing 2521–2540 of 12,336 · page 127 of 617
← Previous
Next →