Suze Orman's Women & Money (And Everyone Smart Enough To Listen)
Three Rules That Beat Budgeting
22 Jan 2026
Chapter 1: What is the main topic discussed in this episode?
Hi, everybody.
Chapter 2: What is the goal of money according to Suze?
Suzy O here. 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.
Hello, Suzy, and good morning, everyone, and welcome to the Women in Money podcast, and everyone's smart enough to listen. This is KT in the house, and today is a very special day. KT.
Wait, everybody got to listen to me. So we're about to start the podcast, and I said, you want to start? You want to do it? And she goes, yeah, I can do it.
What's wrong with that?
What day is today?
I didn't get there yet.
No, that's how you start.
No, I'm doing it KT way. Today's Thursday, January 22nd. And why did I wait to give you that date? Because it's Don Race's birthday. And Don is our brother-in-law, the daddy of Sophia and Travis that you've heard about for years. And he's on his way to Oregon to carve wood. Unbelievable. Unbelievable.
You, you, you're cracking me up here already, Travis. You know that you forgot to start with January 22nd, 2020.
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Chapter 4: How can I determine the right amount to donate to charity?
All right, next KT.
This is from Kathy. What are some instances when a spouse would lose a deceased spouse's pension?
Kathy, the main reason that you would lose your spouse's pension when they died is because, number one, they chose a pension that was a life-only pension, which which means it's good for his or her life, period. And after that, there's no more money. And normally, one chooses that because they feel like, I want more money now, we need more money, you won't need as much when I die.
So the largest pension choice is life only. Then it starts to decrease when you want to leave a joint and survivor benefit. The biggest decrease is when you get 100% joint and survivor benefit, which means spouse dies, you get 100% of what they were getting. Many people opt for a 50% joint and survivor benefit. I always say that is a serious mistake.
If you have the option, I don't care how much money you have or how much money you need, always do 100% joint and survivor option, unless you know that the spouse that you'll be leaving it to is seriously ill, isn't going to survive you by any means. And you know that without a shadow of a doubt, and or they have what's called a pop-up option, but that's a whole nother podcast.
Next, there are many pensions where you know your spouse is going to get a pension, but they haven't signed up for the pension yet. And they die before they sign up for it. There are corporations and places that one can work that if you don't sign up for it and you die before that, out of luck.
Really?
Uh-huh. You got to know these things.
Oh my, wait a minute. Susie, stop right there.
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Chapter 5: What framework should I use for responsible gifting?
And a lot of times the spouse doesn't listen and they just say, whatever. And you should always check what happens in case of a divorce, because sometimes that can change. So there's so many things that can happen. But the main reason is normally they've chosen a life only option
which if they are married, is the absolute biggest mistake that they can ever make in their lives unless their spouse is seriously ill. All right, KT, next.
So Susie, wait, I have a question. Yes. If the spouse that's working signed off, he or she wants the 100%, they don't leave anything after death to their spouse.
And the spouse signed off on it. Yes.
Can they change their mind like a year later? They can't even change their mind a week later once they start the pension. Okay. Next question is from Peg. I am 83. I have been a poor money manager all my life. I've been able to make some positive change. Wait, don't you think that's funny?
Poor and money in the same breath?
I've been a poor money manager.
But still, right? Poor money. Anyway, go on.
So wait a minute. But here's what I love about the question. This is where I wonder if it's ever too late. Susie, I'm 83. Yeah, baby. Yeah. I've been a poor money manager all my life. I've been able to make some positive changes in the past few years. Ready? I need help getting the basics in budgeting and learning not to spend. Can you help me?
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Chapter 6: How should I allocate my TSP before retirement?
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 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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