sites that were definitely not what we were looking for, we came up empty-handed. is that it, are they the only animals with humps. i put the question to you, our camel reporters, if you know of any other hanmales with on that note, here's piers morgan tonight. tonight, a number one issue in america -- >> the truth is, it's going to take more time than any of us would like for the housing market to recover from this crisis. >> we have programs to help the poor. the middle income americans are the folks struggling now and need someone to help get the economy going for them. >> no one knows the economy and your money like suze orman. tonight, the tough questions. >> by the way, why are you in so much debt? i looked at every penny you spent and every penny that's invested. be careful of what you say. >> denied, denied. you are denied. >> suze orman with answers for

you and our studio audience. >> help me decide where to go to college. >> how much should we invest in savings every week. >> should we buy a house in this economy? >> i can't wait to hear your advice. plus only in america, facebook goes dorm room to wall street. the $5 billion success story. this is piers morgan tonight. good evening. this is a special live edition of "piers morgan tonight." i want to welcome our studio audience and our special guest, suze orman is taking your questions on twitter and on facebook. who better, frankly, than suze orman to talk dollars and common sense on america's economy. and what would it take to turn it around? today president obama had his say. >> banks and lenders must be held accountable for ending the practices that caused this crisis in the first place and all of us have to take

responsibility for our own actions, or lack of actions. >> controversial comments from mitt romney on cnn saying he's not concerned with the poor, the focus on middle class americans. >> i'm in this race because i care about americans. i'm not concerned about the very poor, we have a safety net there. if it needs repair, we'll fix it. suze orman is the number one finance guru. her latest book is "the money class." she is joining me now. welcome, suze. >> thank you, piers. >> let's start with mitt romney because that was an extraordinary comment for somebody that wants to be the president of the united states to make. i'm not concerned with the poor. whatever context he was trying to put it in, it sounded bad, didn't it? >> it sounded bad and i hate to say it sounded naive. so long i have been saying the rich are getting richer and the poor are getting poorer and the middle class is disappearing.

he said he is concerned about the middle class. what middle class are we talking about. as we sit here there are 50 million people in poverty. what's that mean? that means a family of four making $22,000 a year or less. there's almost 150 million people that are in poverty, near poverty, are that close too it. one out of two, one out of three people in the united states of america are edging in poverty. and he's saying he doesn't -- he's not concerned. he should have fought it, piers. he never should have said it, if he thought it. but it is a ridiculous thought. >> doesn't it sum up the sense that people have about him that he has a disconnect with ordinary americans. we saw it when the said the $10,000 bet and the vast amounts of money he declares on his taxes. it adds to up to a picture of the wealthy guy slightly out of

touch with real americans. maybe tens of hundreds of millions are suffering right now. >> i don't understand the safety net that is there and if it is broken he will fix it. like it is that easy. for him to get the economy on-line, the first programs he's going to change are the programs that affect the poor. so, very, very silly thing for that man to have said. >> for president obama today, laying out, again, criticism of the system, pretty strongly. quite interestingly in britain, two things have happened in the banking community in the last week alone. one big banker was denied a million pound bonus, $1.5 million at least. it was removed by public pressure and anger. another famous banker was knighted by the queen for services to banking. they stripped him of his knighthood, almost unprecedented thing, norm lal reserved for spies. you are seeing a series of big blows to bankers in britain.

would you like to see that in america? do you think they have gotten away with it? >> i think many bankers have gotten away with it and many executives on wall street have gotten away with it. which is why the consumer financial protection bureau that president obama put in to place, he went over senate's head and he did this because they didn't want to provide funding. it's so important they are in power now because the banks have to report to them and the banks have to be held responsible. people in high economic positions need to be held responsible. one of the best ways to do it at this noint time is with the cfpb. >> a lot of people are saying things are improving. the jobless figures are getting better. friday we await new figures. some are predicting they may have enled up again. they are saying the economy is improving. do you agree with that? do you think america is coming out of recession? >> no. i think people constantly get

the economy and the stock market confused. when the stock market is going up people are more hopeful. they are seeing their 401(k) and i. a a. statements going up. the computer productivity, they don't need them anymore. half of the world is functioning as great without the workers as when they had these workers. so why get them bagging. >> it is worrying, i think when your iconic airline, american airlines. former bankruptcy, cut 13,000 jobs. today they announced extra. this is serious stuff, isn't it? >> it's serious but it's been serious. i think people get to feel hopeful when they are watching tv and seeing good earnings and these things, but real estate is not coming back. jobs aren't coming back.

people don't have more money to do things with. i think they are going to get a little sadder as the year goes on. >> what's the onset to the broken problem at the moment of america incorporated, the country as a business? >> the country as a business isn't running like a good business. if you were going to give them a grade, you have to give them an f. these people will tell you because they are my fans that constantly when you say, we saw it, denied. when you can't afford it, i you don't buy it. if you spent so much more money than you were taking in, you would be financially bankrupt. >> very hard for the average american to understand this message of spend within your means. when you have a country's debt of approaching 1g $4 trillion. that's the wrong message, isn't it? that says borrow whatever you like. it doesn't matter. >> it says they don't have a solution to this problem except to borrow. it's not like they want to

borrow or keep getting in to debt but they don't know how to fix a system that is seriously broken. me medicare and social security is broken. so many things are broken and they don't know how to fix it. >> do you think, as many do, that america needs to go back to building things rather than consuming? >> i think they need to go back to building things, but do i think that is reality, roads, cars, but not to the degree where we had an industrial revolution and everything was happening here. i think the answer is people are going to have to become entrepreneurial and become their own boss. the day of works for a corporation and get a pension and health benefits -- gone. if you want to be secure you are going to have to be your own boss. >> you started as a waitress and built your own empire. most americans aren't natural

entrepreneurs. i don't think i agree with that. i think america needs to build. for example, i'm told this is a huge demand in china for big, heavy machinery. they would buy it from the americans if the americans were producing it in the volume they needed, but they are not. that old stile style industrialization america isn't happening anymore. >> i think it is a nice idea. i just don't think it will happen. i think we have entered a new period with new technology and things that have never been developed before, that i think we can do here, but i think we have a big problem of how do you get the people back now to work? we can't wait until all of that happens. they need to go back to work now. and since the jobs aren't here, they have to create a job for themselves. >> donald trump says one of the problems is you look at china which is swallowing up american debt on a daily basis and china is obviously mass producing very

cheaply with very cheap labor a lot of the stuff the world is consuming. is it time to have a trade war with china. it is time to america took over -- classic one is apple. the most successful company in the world but they employ more people in china than in america. that, to me, is wrong. >> it may be wrong, but it is the way. >> why is it the way? >> it is the way because it got so expensive to hire a laborer here with the insurance, with everything. we couldn't afford it because things kept going and getting more and more expensive and then you have wal-mart come in. >> doesn't america have to work out a way of affording it. shouldn't apple, which i think is a brilliant company, but i fundamentally disagree with an american company having more people employed in china than their own country. they should be looking after their own country. >> but in their way, they are -- i'm going to say this, if they

had to hire the people here to produce the ipods, ipads, whatever they are we would have to charge four to five times the amount of money they are being charged to do it now and people wouldn't buy it. >> or suze, let's address the unthinkable, or apple reduces massive profits in the national interest. >> possibly, but that isn't the american way. >> international interest. >> it is not unthinkable but i don't think they are going to do it. >> let's take a break and come back and get questions from miss already fired up. i can feel it. i can sense it in here. .

wherever you are, i want you to listen to me. student loan debt is actually the most dangerous debt that any of us can have. [ applause ] because in most cases, it's not dischargeable in bankruptcy. >> that's the suze other man show, america's money class on oprah's network. and we have somebody in the audience who has a specific question on this issue and that is sherry. >> thank you for taking my

question. hi, suze, thank you for taking my question and thank you for all that you do for us. my son johnny is heading to college this september. has had a number of scholarship offers from some high tier colleges and has a 100% scholarship offer from a lower tier college. my question is should he take the 100% scholarship offer and give up the higher-tier colleges in order to avoid any type of student loan? >> that is a brilliant question, isn't it? it cuts to the heart of america's educational problem, which is there's a very bright student, being offered a great scholarship at a number of places to be in the top tier, to really realize his potential it is going to cost him money that perhaps the family can't afford, pricing him out of the best education that he should be able to get in which other countries led by china, india and others are beginning to offer their students. over to you. >> welcome to america, piers.

welcome to america. here's what i would have to ask you. when you graduate college, if you have 20, 30, $40,000 student loan debt, how would it make you feel? >> it would make me feel awful. i don't know what kind of job i you had would need to pay it back as soon as possible. >> that's the answer to the question. never do something with money that makes you feel horrible or afraid. you want to graduate and feel free. if you walk in to a job and you have $40,000 of student loan debt on your shoulders, you start to feel the burden of debt and then you go, i have to get a job, i have to get a job. >> he should go to the college that gives him 100% schip because i refuse to believe that what gets you a great job, what makes you a great career is the schoolle that you went to. the school does not make you, people. you make the school. you make yourself. you make your career. boyfriend, stay out of debt and

take the 100% scholarship. >> thank you, suze. >> here's where we will start to fall out. because i don't agree with it. i don't think you should be in this position. we have the same crisis the british education system. i have the same scathing criticism over what happens there. bright students should not be priced out of this educational opportunity. it shouldn't be happening. the government of this country should be looking at this specific kind of case and fixing it so these students are not laden with debt. >> piers, the problem goes so much deeper. it's not just college. what is it that kids have to go to private school for grammar school, first second, grade you have people spending 20, 30 thousand dollars a year for high school. i think no private school should be out there. i think everything should be public but we don't honor our teachers. we don't pay them enough.

they are the first people we cut. what do people do? they start to spend money to go to private schools. it is ludicrous. it is not the american way. >> suze, the problem is in that specific comparison people will get a better education at a private school right now than they would from a nonfeed school in america, wouldn't they? >> they would but you are looking at somebody that grew up on the south side of chicago, went to horseman grammar school, shout shore high school. every glass was smashed out. you had to be brisked before you went in. the education was not good and look at me today. anything you want you can get. i don't believe your education makes you. >> you have an amazing story and it is incredibly inspiring and if i just saw the body on your jewelry right now you can retire. >> i don't think so, 200 for the watch. $75 for this ring and maybe $1,000 here. okay. got it, people? >> that's a good answer.

is that true? >> yes. michael kors. -- >> yeah. >> this little trinket. >> feel it. do you see? >> that is a very good answer. >> that's the trick. you wear things and because you wear it everybody thinks it is expensive. i make my jewelry. my jewelry doesn't make me. >> i like this. [ applause ] let's go to a second question from bill. over to you. >> hi, suze, thank you for taking my question. i wonder what kind of advice you would give 20 to 30-year-olds today on making a decision between buying a home or renting. you think, given the depressed housing prices, the large inventory of homes that are available and the unpress dented low interest rates now would be buy, buy, buy. but a lot of young people in their 20s and early 30s are real nervous about that kind of

commitment. what kind of advice would you give them? >> they are nervous because they don't have the 20% down. they don't have the security of knowing if they get a job they will get to keep their job, and they don't have the security of knowing that a house will appreciate in value. so if they need to sell it they will be able to get back their closing cost and moving costs and everything like that. so, there's good reason for them to be nervous. there's good reason they can just wait until they are not nervous anymore. it is a fall lacy to think that the interest rates are going higher, they are not going anywhere and the housing prices aren't going anywhere for a long time. >> when i grew up, i'm sure the same for you, bricks and mortar was the great mantra of investment. you would never go wrong if you invested in bricks and mortar. now you can go badly wrong. look at florida where the primary just happened which has the worst record of foreclosures in the whole of america.

these people are desperate. they all invested in the old american dream. you save enough money, put a deposit down. a you have a lovely home and b, you will make money when you resell it. that is gone, isn't it? >> it is gone for now. but if you have 20% to put down and if you can get a steal of a deal and you understood money and enough cushion they would probably do it. but when you see kids not wanting to do it they are not secure in their job and don't have enough money to make it go. if you don't have enough money, you rent until you do. by the way, there's nothing wrong with renting for the rest of your life. nothing wrong with it if that is what makes you feel secure. >> that is not the american dream. >> it is now. it most certainly is now. >> suze, the american dream has been tarnished in recent years. isn't it important to work from the philosophy of america's broken, that america remains a

great country. it just has to be brought back up again? isn't that a better way of looking at this? >> no, america is a great country, but it's people are broken. it's people right now are broken because they can't feed themselves. they can't get a job. they can't take care of their kids. they can't keep their cars. they can't do anything. so our spirits are broken. >> part of the problem -- when i grew up, for example, you could buy a house with a 5% deposit. 20%, i bought a house recently in america and had to put down 35% deposit. the banks are no longer lending the money they used to. the same wall street institution and bankers that the you could argue brought this company to its financial knees are now awarding themselves the same old bonuses and not lending money to people that are desperate for their homes. that has to change, doesn't it? >> yes. but these people could buy a home with 3 1/2% down by going

to fha. but if they listen to suze other man don't you dare buy a home unless you have 20% down because you don't want to find yourself in a negative equity position starting in 2013 because the tax laws that are in affect that says you bought a home for 200,000 and now it is worth 100,000 and now you do a short sale. you do not have to owe nrk income taxes on a primary residency between 100,000 and 200,000. starting in 2013, you will. >> let's take a break after that bombshell. let's talk more about how we keep america great. advice and we will get more questions and you can send tweets @piers morgan. i like this. don't you? [ applause ] ey'll ve tomorro w. for more than 116 years, ameriprise financial has worked for their clients' futures. helping millions of americans retire on their terms.

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you are really, really, really going to love me when i give you this answer. are you ready for it? >> yes. >> you have been bucked off that horse. you are denied. leave it where it is. trust me. [ applause ] >> that's from the suze otherman show on cnbc with the words that

every suze otherman fan fears. a lot of tweets are pouring in. some agreeing and some not interesting. it is not the pique people that are broken but the people are why this a great country. we will rebound. i agree with that. i don't think that people are broken them people are angry, frustrated, hurting not broken. >> their spirit is broken. >> you think so? >> well, audience, are your spirits broken? some yes, some no. >> i think you are angry. and i think you are frustrated and you want better government and you want this economy sorted out. but i don't think you are broken. americans nooet need to fire themselves up, i think, like suze does every day and come back and keep this country getting better every day. >> let me tell you whose spirits are broken, some of the 50 million people out there and none of you are any of those people or you would not be sitting here, but the people who

have lost their homes, their cars. they have lost everything and two weeks after they get their disability or social security check or whatever they have to go stand in food lines in order to feed their kids. when you have that happening in your life, your spirit is broken. it's not that you are a bad person. america is a great country, and it's made up of the best people in the world. but unless congress can get their act together to help these people -- just throw them a bone. >> i have been here one year in this country and all i have seen is congress squabbling like school children and getting nothing done. if i was an american i would be like what the hell are you guy clowns doing. >> hi, suze. basically i have to choose

between helping my family with my siblings wedding, paying off credit card death debt and putting more money in my roth ira and 401(k) and i want to see how to prioritize these things. >> did you say helping your siblings with a wedding is more of a priority more over getting 0 ouft credit card debt or saving money for your own retirement. >> it is not more of a priority. >> you threw it in the mix. >> it is something i want to do. >> no. >> i want to help them out. >> i get that you want to do that, but you have credit card debt. if you have credit card debt you have bondage and you will never have financial freedom fur in bondage. how much credit card debt do you have? >> do i have to say. >> yes, ma'am. >> about 9,000. >> at what interest rate? >> if i average everything out it is probably around 15%. >> 15% on $9,000.

well, if you have any money at the bank, here's nuts, if you had any money in the bank they would be paid a half of a percent. the treasury is thinking about you paying them to buy a treasury. that's another story, however. you want to help others, you have to help yourself first. your priorities are to pay down your credit card debt. then fund your roth i.r.a.s. then if they are going to get married still you can help them but you are not in a position to help others. i know that is hard because you want them to see you in a certain light. >> that's a good point. i was staggered, black friday before christmas, when america, $14 trillion in debt, unemployment raging, loads of people with no money, suddenly it was like the flood gates opened. millions and millions of americans storming in to shopping centers to spend money that i just guessed, i have no

evidence, i guessed many of them don't have that money. what were they doing? >> shopping. >> i know. i know. but where is the common sense? where's the personal responsibility? although i blame bankers, although i blame wall street and governments for what has happened to the american economy and the global economy and every country, not just here, i also blame members of the public for not taking their own responsibilities and that includes me and everybody in the room. it is like you have to be personally responsible, haven't you? >> i have a saying that i have, when you feel less than you spend more than. when you feel there is no answer. it doesn't matter any way. i'm just going to go shopping and buy something. look at everybody shaking their head at that. and you just told me you didn't feel broken a few seconds ago. when your spirit is broken, and no one is validating you and nobody is willing to help you, you throw it in and go let's go shopping. >> tell me about your prepaid

card because you have taken a lot of flak. suze is on the take and raking up the fees. all of this kind of thing. what's the truth? >> do you think at this point in my career i would get on television and i would this card if you use it like i tell you to will not cost you more than $3 a month that wasn't true? why would i do that? suze orman is a person who wrote the "2009 action plan" to be given away on the oprah winfrey show. we gave away 2.2 million copies. i give identity theft. i will give it away to all of america if you want. why would i at this point in my career, having given away tens of millions of dollars worth of tools. >> is the problem like with all of these things if you don't study all of the words of this card you could end up paying

fees. >> no, we even have a fee alert tax. so if you are paying fees you shouldn't pay because you are doing ridiculous we send you a text. here's the truth. you know how romney was out of touch with the poor people. the people who are judging prepaid cards today are out of touch with the poor people. there are 50 million people out there that can't get a bank account. they can't get an account at a credit union. they have bounced checks. they can't get a bank account. can you tell me what are these people to do? you can't tell them to go and pay in cash. everything is on-line today. they have to pay their bills. prepaid cards were given a bad rap years ago. and guess what? they deserved it. just because they are bad doesn't mean that every one that comes out is going to be bad. i love my card. i stand by my card and i guarantee you one year from now, these reporter that have gone looney. >> given all of the attacks that

have come on you is there anything you would change about the card. >> there is one thing i would change about the card and i said this. when we can the $3 a month fee will go away. but for $3 a month now you get unlimited credit scores, reports, free identity theft protection. you get everything for free. here's what people should do. make up your own mind. go to the approved card.com and click on fees. look at everything that this card comes with. if you don't like it, you don't have to get it if you are happy at your bank or credit union, stay there. for those people like me who have an elderly mother. my mother is 96, piers and she has a different aide every day there. i can't leave cash or a credit card around. i got the card. i gave my mother one. doesn't cost anymore. you get up to four cards for $3. i can load it and every time one of my mother's aides buys something for her i get a text

immediately. >> if it is good enough for your mother that sounds good, suze. >> let's take abe a break. how do people save money in difficult times? one of the best ways. how do people save money in difficult times? one of the best ways. e a break. how do people save money in difficult times? one of the best ways. a break. how do people save money in difficult times? one of the best ways. um like, "doesn't it bother you you're not reliable?" and they say, "shut up!" and i'm like, "you shut up." in business, it's all about reliability. 'cause these guys aren't just hitting "print." they're hitting "dream." so that's what i do. i print dreams, baby. [whispering] big dreams. what ? customers didn't like it. so why do banks do it ? hello ? hello ?!

if your bank doesn't let you talk to a real person 24/7, you need an ally. hello ? ally bank. no nonsense. just people sense. they sound awesome tonight. and when i do find it, i share it with the world. you landed the u.s. tour ? done. this is fantastic ! music is my life and i want to make the most of it without missing a beat. fly without putting your life on pause. be yourself nonstop. american airlines. [ male announcer ] red lobster's four course seafood feast is back. get soup, salad, cheddar bay biscuits, dessert and choose one of 7 entrees. four courses for only $15. offer ends soon. i'm jody gonzalez, red lobster manager and i sea food differently.

if you are going to have a child you really have to be able

to afford to have a child. children are very, very expensive. one child over the first 20 or so years will cost you maybe $200,000. it's a lot of money, especially if you are going to send them to college. [ applause ] >> from america's money class on the o network. i just realized my four children may cost me $1 million. >> what were you thinking? >> deny, deny, deny, isn't that the key phrase? let's go to a question many people are asking. should we all be running to buy facebook stock? facebook to me is a brilliant american success story. a young geeky guy has a great idea, and the next thing you know it is worth $80 billion. he's going to create god knows how many millionaires, make himself incredibly rich. he employs a lot of people in america and we should be sal luting him, shouldn't we?

? >> i think we should be sal luting him. i am happy for him. i am happy when people have success. who wants to rip them down when they succeed? should you buy the stock or not? i don't have a clue. i know what will happen is that none of us will be able to get in on it on the first offering. it will come out. america will go crazy. it will bid it all the way up and we have to wait and see what happens. i have a feeling once it has gone all the way up, people will want to take profits, it will come down and you will make the decision if you should buy or not. it is going to be -- it's a strange one. when google first came out, look at it now. when apple first came out, look at it now. in the long run, facebook will probably be one of those companies. another question from natalie gonzalez. >> my question is my husband and i make about $200,000 a year. we live here in new york city. we don't own any property or

have any kids and we really struggle to save money. what's your problem? >> you live in new york city. >> they are earning good money. i would think compared to most americans. the fact they can't safe money on that kind of income. >> here's something important. these are the people that president obama was talking about raising taxes on everybody above $250,000. i have been arguing against this. you want to raise taxes make it is a million, $2 million but not on people like this. because if you live in new york city, after taxes, that's your problem. it is not just federal and state. it is federal, state, city and by the time you are done, you are bringing home $100,000 a year. that may seem like a lot, but not in new york city. for the rent. so move, or you make more money. but it's very difficult in the city to do that. >> let's get brutal. how much should people save?

what are the things most people are wasteful about do you think? >> almost everything. i -- i almost started a national riot when i went on the oprah show when i asked people to stop going out to eat for a font. the restaurant industry i thought they were going to come out and pop me one. >> you can't blame them. it is a direct assault on their business. >> except they all go out to eat. put it on credit cards. they are nervous as can be when they give their credit card to the waiter, hoping that when the waiter comes back they will say you have been approved because they know they are pretty much at the limit and only pay the minimum due. so they are going in to debt to go out to eat a. they go in to debt to go to the movies. they go in to debt for all of these things. people in the united states need to learn how to get as much pleasure sure out of saving as spending. >> what are the most common ways people will waste money.

>> i would personally say wedding but that wouldn't be popular for someone like me. the number one waste of money is entertainment and clothes. >> here's my issue with this, suze. >>. >> you have so many issues. >> i have a lot of issues. you can't kill everybody's fun. even in tough times. i liked when newt gingrich said let's have a moon colony. why not can you imagine a rocket landing on the moon and walking out and having a colony. when i grew up as a young lad i remember the lunar landing. it was the most exciting thing ever. >> shake the cobwebs out of your head. >> you have to dream the money. >> you have to have the money. anyone with severe credit card debt in this room? you, you. when you go out and spending money and you are putting on your credit card knowing you don't have the money to pay for it in full, is it fun? even though you do it because you are bored when you get the

bill do you wish you hadn't done it? isn't it worse to do that than to just stay at home and make love with each other? >> when we come back, another question from the studio audience and a look at what is coming up on "ac 360 c." @ ask .

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>> where do you get your jackets? >> today, i'm going to tell you. i get most of my jackets in phoenix, arizona at a place called -- >> [ applause ] >> that is nbc's "saturday night live." that's a very good impression. >> it most certainly is, piers. >> where do you get your jackets? >> you want to hear something funny. she does this. she has done it six times now. we get e-mails saying we tried to find the place in phoenix, arizona and we dpientd it. i'm like are you kidding me, people. any way. >> we are getting a lot of

tweets tonight. @piers morgan. walk with friends, being at home with friends. that's so true. we are in new york. the best times in new york, if i go to central park, getting one of those old creeky boats and doing the way we were scene where you pandle around. it is $10 or something for an hour. it is that kind of simple thing that 0 people could go back to. having old-fashioned fun. >> now you are confusing me. a few minutes agoing you said i disagree. people should be able to go out and have fun. >> i thought you were being a little miserable in your outlook. broken, no one can have any fun. they are not even allowed to eat. you must stay at home in misery watching the suze orman show. joking. >> again, you are not broken but do you feel at times like your spirit is broken because no one is listening. >> i want to rally the troops.

>> the way you rally them, you can't rally them by saying come on, let's do this. they have to give them a way that they can sell their house, they can stay in their house, they can feed their children, they can go school. they can get a job. they can do the things that are their birthright. that's all they are asking for. either not asking for a lot of money. they are asking for a place to live. >> also, there is an onus on politicians and politicians and business people to stop whining all the time there is a bit of yes, these things have to be facilitated. but politicians agreeing on policies that everyone agrees are good ones, getting stuff done and rallying americans to feel good about their country and themselves. >> yes, sir. i agree with you on that but they are not doing it. all we can say is why not? >> i agree. why not? >> let's take another question. audrey has a question. >> hello, suze. i think you are amazing.

thank you for all of your advice. >> i recently received a cash bonus and i'm going to be getting, i hope you don't ask me where i work. and income tax refund and i want to know what to do with that. i have 401(k) loans, which i got before i started to watch your show, which i would never do again and i have credit card debt. i was trying to find out the best way to do it. >> how much tax refund are you going to get? >> about 3,000. >> yes. >> how did i know that? >> that is really good. >> how did you know that? >> that was freaky with, wasn't it? >> so, how much credit card debt do you have? >> i was afraid you were going to ask me that? >> 15, 20. >> did i impress you again. >> this is getting very unusual. this is mystic suze.$3,000

tax refund, you then would be getting $250 more per month on your paycheck. you could take that $250 more a month and pay it right now toward your credit card debt. so, next year, this year, raise your exemptions so that you don't get a tax refund anymore. if you have a cash bonus, what should you do, put it immediately toward your credit card debt. >> thank you. >> what has been the single greatest moment of your life? if i could relive a moment for you, what would it be? >> i have had to many. >> i want one out of you. a straight answer. i got the power. i can zap it back right now. >> there are so many. i have to say probably meeting katie. the luckiest thing that ever happened to me is katie. we got married two years ago in

south africa. you are seeing pictures of her there now. the greatest moment of my life. i would trade everything and give away every penny i have to be with her. >> if you don't have hoff in your life money is pointless, isn't it? >> that is the greatest thing. even when i look at the pictures, you can see it we are going on 11 years now. it was the greatest moment of my life. >> another question is how many times have you been properly in love? >> one. >> just once. >> this is it? >> this is it. i have never been in love before that. >> one last segment. final thoughts on how we are going to get america back on its feet. then i tried salonpas. it's powerful relief that works at the site of pain and lasts up to 12 hours. salonpas.

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back with my special guess suze orman super bowl pick. >> giants. >> presidential pick. >> romney. >> one of the biggest successes in the country and the world is of course the stunning $5 billion facebook initial public offering. one of the biggest ipos in history and an amazing example of american ingenuity. it began in mark zuckerberg's harvard dorm room. facebook created 235,000 jobs in the united states, injected 15 billionle in the country