Suze Orman

Everybody, listen, I don't care whether you're older or younger, the cost of your insurance, the cost of your Medicare or Medigap insurance, whatever it is, it is skyrocketing on you.

If you are younger, I was just with my niece, Katie, up when we went to Amelia Island.

She lives in Jacksonville.

And oh my God, she was telling me how her family, early 40s, three young children, I think it's eight, six, and maybe one year right around there, $3,500 a month for insurance for the five of them.

I want you to just think about that, okay?

That is a big deal for most people out there.

So all of these things add to the fact that you feel like every decision that you make right now is final.

It's final.

And all of this creates a specific kind of fear.

A fear that goes like this.

If I mess this up now, I can't fix it.

Isn't that true?

Don't you all think this?

Oh my God, Susie, if I invest in this now and it doesn't work, I don't have time to fix it.

I'm just going to leave it safe.

I'm coming out of the stock market because if it goes down, I can't fix it.

And here is the bottom line.

When you feel this fear, right, it changes, underline this everybody, it changes how the brain works.

Do you hear me?

There is a biological system in your body that decides whether you feel calm or panicked long before logic kicks in.