Suze Orman's Women & Money (And Everyone Smart Enough To Listen)
Suze’s Projections for 2026
11 Jan 2026
Chapter 1: What is the main topic discussed in this episode?
Hi, everybody. Suzy O here.
Chapter 2: What is the goal of money according to Suze?
Now, what is the goal of money? The goal of money is for you to be secure. And there is no better way for you to be secure than having an emergency savings account. It is essential for your financial foundation.
Chapter 3: Why is an emergency savings account essential for financial security?
So all of you should be participating in the ultimate opportunity savings account at Alliant Credit Union. Go to myalliant.com. to find out more and be secure. January 11th, 2026. Welcome everybody to the Women in Money podcast and everybody smart enough to listen. Suzy O here and today is Suzy School. And this is the podcast that many of you have been waiting for.
You have wanted to hear about what's going to happen to money. What's What should you be investing in? Where is the economy going? You have been waiting and waiting because it's a new year. So everybody's making new projections. But I opened up this year not making new projections.
I opened it up with telling you things that I really wanted you to know that had nothing to do really with if the stock market went up or the stock market went down. It had to do with how you make more money out of the money you already have, which is really the focus of the Women & Money podcast.
This isn't a podcast, everybody, if you're just joining us for the first time, where all we talk about is what you should invest in, what you should be buying, you should be selling the economy. We talk about you. It's personal finance. It's what do you personally need to know to make your life better? The things that nobody really wants to deal with.
a trust, a will, what kind of retirement account, should you refinance your house, should you even buy a house, not is real estate going up, is real estate going down? No. Of course, we talk about some of those things, but not everything that has to do with you being financially successful is about buying and selling stock. So just know that.
The other day I was interviewed by Kiplinger's Magazine. I don't know when it's coming out, but that's all right. And they asked me something to the effect of, what is it that I would want everybody to know? Something like that. I don't remember the exact phrasing. And I said, the most important thing everybody should know is that you can never fix everything. a financial problem with money.
And so many of you think that your problem out there is all about not having as much money as you need or want or knowing what to do with your money or whatever it may be. You and your money are one. I've said this before. I'll say it forever. So if your money is a financial chaotic mess, it means you are a chaotic mess because you're the one who controls your money.
The other thing that I found a little bit fascinating is that as I was reading some of the posts on the Women & Money podcast wall, so there is a community app called Women & Money and you can download it by going to Apple Apps or Google Play. And there's little boxes that you can search the podcast, you can do all kinds of things. But there's a wall where many people post.
And I was reading a few of them. And people were saying, Susie, Can you make this more for retired people? I feel like everything is still for people who are just working and I'm now getting older. Don't talk to me about getting older. I'm going to be 75, right? But that I'm getting older and I need advice. What do I do now that I'm no longer working?
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Chapter 4: What should you consider when making financial decisions in retirement?
It is a transformation. Do you hear that? The semiconductor sector, which is the backbone of AI, it's those little chips and think that run everything. They remain essential. So these companies are no longer optional. They are the infrastructure of everything that is happening out there.
And as I said a minute ago, now that we're seeing this strength expand beyond just those biggest names into other things like memory, analog chips, equipment makers, all of that,
Again, I'm going to go back to if you own broad-based market funds such as the Standard & Poor's 500, which I already talked to you about, you already own this theme because the top holdings of the Standard & Poor's 500 are these stocks. And again, that's exactly how most of you should be invested. But a lot of you are saying, Suzy, how can this be true? I can't afford rent.
I can't afford to buy a home.
Chapter 5: How does your economic situation impact your financial choices?
I can't afford to buy food. I can't afford to do all of these things. I understand that very well. And I understand that unemployment's a little crazy here. I understand inflation did not do what we wanted. I get that things are going up higher. I get that we don't even get as much for our money when we go out. Do you know? I love Taco Bell.
Listen, I just love Taco Bell and I don't have any problems saying it. And my favorite thing when I do get to go to Taco Bell, because it's always a treat, is a bean burrito without cheese. So the other day we were out and I said, KT, let's go to Taco Bell. She said, okay. And we go to Taco Bell. I get my usual bean burrito without cheese, like I just told you.
Now, I've been doing this for probably almost 40 years now, just so you know. And I know the size of a bean burrito. not only was it more expensive than normal, but the size of it was, I swear, 25% littler than what a normal one would have been. And I'm like, oh, well, that's great. You know, even if they're charging the same, they're giving less.
So I understand very well that the struggle that many of you are going through personally, and that is also what we try to deal with on the Women in Money podcast. However, even if that is true, that doesn't mean that the markets aren't strong. Why is that? Because I have to tell you, regardless of how hard it is out there, what I don't understand is if it is so hard on you
Why is the consumer still spending? I don't know. I don't know where that money is coming from. Are they putting it on their credit cards? Probably. I don't quite get it, but they are still out there. So the American consumer has not disappeared. And what's interesting is I find that probably investing...
In consumer discretionary stocks or ETFs, more than traditional consumer staples is probably the way to go. What is a consumer discretionary, everybody? It's when the consumer has money And they go out and they buy things that they don't absolutely need. It's at their discretion. A consumer staple is when you go out there and you have to buy toothpaste or whatever it is.
It's something that you absolutely need. Now, there are incredibly strong consumer staple names like Procter & Gamble and Walmart and Costco. I don't have a problem if you own those. However, there are also incredibly strong consumer discretionary stocks like Amazon, Tesla, Home Depot, things like that.
For those of you who like ETFs better, exchange traded funds better than individual stocks, all right, consumer discretionary is XLY. Consumer staples are XLP, okay? If you even want to venture there, but that's something that's possible. So this isn't about chasing things. This is about recognizing where everything is shifting to. And believe it or not, that's where it's shifting. Financials,
I said this before a little bit ago, but I have to tell you, I think banks are benefiting from AI, from all the scale, from efficiency of how they're doing everything. So therefore, Is it possible that there's money to be made in buying the ETFs that invest in big banks, symbol BKX, or regionals, symbol for the ETF there is KRE? Very possible.
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Chapter 6: What are the current trends in the stock market for 2026?
We are wild. We are strong. We are wise. Hi, everybody. Suzy Oh here. And I have to tell all of you, there is one benefit that I know all of you need and your corporations need to offer. And it comes from a company that I helped co-found over five years ago by the name of SecureSave. So whether you're an employee or
or an employer, I want you to go to securesave.com slash Suzy, S-U-Z-E, and take a look at what I have for you there. I promise you, you're gonna like it. Alright. Neither Suzy Orman Media nor Suzy Orman is acting as a certified financial planner, advisor, a certified financial analyst, an economist, CPA, accountant, or lawyer.
Neither Suzy Orman Media nor Suzy Orman make any recommendations as to any specific securities or investments. All content contained in this podcast is for informational and general purposes only and does not constitute financial accounting or legal advice. You should consult your own tax, legal, and financial advisors regarding your particular situation.
Neither Suzy Orman Media nor Suzy Orman accepts any responsibility for any losses which may arise from accessing or or reliance on information in this podcast. And to the fullest extent permitted by law, we exclude all liability for loss, damages, direct or indirect arising from the use of this information.
The must-have documents discussed in this podcast are legal documents created by a lawyer and distributed by Hay House. Thanks for listening.
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