If you’ve ever sat in your car a little too long because a woman on the radio was basically scolding you into a better life, you know Suze Orman. She doesn’t do "gentle suggestions." She does financial "wake-up calls."
The Suze Orman Women and Money podcast (officially titled Women & Money (And Everyone Smart Enough to Listen)) has become the digital campfire for millions of women trying to figure out why their bank accounts don’t match their hard work. Honestly, it’s less of a podcast and more of a semi-weekly therapy session where the therapist actually tells you to stop buying things you can't afford.
She’s been at this for decades. Since the CNBC days. Yet, in 2026, her voice is louder than ever because, frankly, the rules of the game just changed again.
The "Suze School" Shift of 2026
The podcast generally follows a two-part rhythm. On Sundays, you get "Suze School." This is where she puts on her teacher hat and breaks down high-level economic shifts.
Right now, she's obsessed with the new retirement rules that kicked in on January 1st, 2026. If you’re over 50 and making more than $150,000 in W-2 wages, you’ve probably heard her mention that every single dollar of your catch-up contributions must go into a Roth account now. She isn't just sharing a tip; she’s warning people about tax traps that could haunt them in ten years.
Why Roth is her "Hill to Die On"
If there is one thing Suze will fight you on, it's the Roth IRA or 401(k). She hates traditional retirement accounts. Why? Because she doesn't trust the government to keep tax rates low.
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"I want you to see exactly what you have," she often says.
When you look at a Roth balance of $500,000, that’s your money. If it’s a traditional IRA, that’s you and the IRS’s money. In her view, giving the IRS a "blank check" for your future is the fastest way to stay poor.
The Dynamic Duo: KT and the "Ask Anything" Episodes
On Thursdays, the tone shifts. This is the "Ask KT & Suze Anything" segment. KT is Kathy Travis, Suze’s wife and business partner.
The dynamic is... unique.
KT reads the emails from listeners. Suze answers them. Sometimes they bicker like a couple that’s been together forever (because they have). Some listeners find the banter a bit much—I’ve seen reviews calling it "cringy"—but for most, it humanizes the scary world of compound interest.
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What they cover in these sessions:
- Spouses who hide debt: Suze is ruthless here. She calls it financial infidelity.
- The "Must-Have" documents: Wills, trusts, and powers of attorney. If you don't have them, she’ll basically tell you you're being irresponsible.
- Adult children: This is a big one lately. She’s currently telling 70-year-olds to stop buying life insurance for their kids and start spending that money on their own care.
It's blunt. It’s "tough love" in a podcast feed.
Is the Advice Actually Good?
Look, Suze is a polarizing figure. Financial purists sometimes argue her advice is too conservative. She wants you to have an eight-month emergency fund. Most experts say three to six months is fine.
But Suze isn't talking to people with perfect spreadsheets. She's talking to people who feel "financial fear."
Her core philosophy is that "self-worth equals net worth." If you don't feel powerful, you won't act powerful with your money. That’s why the Suze Orman Women and Money podcast focuses so much on the "why" behind the spending. It’s rarely about the math. It’s about the shame or the need to please others that leads to the math being wrong.
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The 2026 Reality Check
In her most recent "Projections for 2026" episode, she dropped some heavy truths about the market. She’s predicting a lot of volatility. She’s telling people to stop chasing "meme stocks" and get back to the basics:
- Max out the Roth IRA: The limit is $7,500 for those under 50 and $8,600 for those over 50 (thanks to that $1,100 catch-up).
- Stop being "too generous": She often warns women that their generosity is a "financial disease" if it puts their own retirement at risk.
- The "Big Beautiful Bill": She’s been deep-diving into how new tax laws affecting small businesses and child tax credits actually hit your wallet.
How to Get the Most Out of the Show
If you’re new to the podcast, don't just start with the most recent episode. The archives are a goldmine, but the world changes fast.
Try this approach:
- Listen to the "Suze School: Roth Masterclass" first. It’s the foundation of everything she recommends.
- Use the Suze Orman app (community) to ask questions. She actually reads those "Ask Suze" submissions.
- Be prepared for the "Suze-isms." If she calls you a "girlfriend" or a "smart cookie," she’s about to tell you something you probably don't want to hear but need to.
Ultimately, the podcast works because it’s consistent. It’s been running since 2018 and hasn't missed a beat. Whether she's broadcasting from her boat in the Bahamas or her home in Florida, the message is the same: People first, then money, then things.
Your Next Financial Power Move
Don't just listen and nod your head. Start with one "Suze-approved" action this week. Check your 401(k) to see if your employer offers a Roth option. If they do, and you're still putting money into a Traditional account, sit down and calculate the tax hit you're pushing off into the future. It might be time to switch your contribution type before the 2026 tax season really gets into gear.