Suze Orman's Women & Money (And Everyone Smart Enough To Listen) Why You Still Don't Want To Become Partners With Uncle Sam
Feb 22, 2026
Clear breakdown of why pre-tax retirement accounts create a long-term tax partnership with the government. A side-by-side comparison of traditional versus Roth contributions using a real-world income example. Practical rules on when to sell or hold investments and how dollar-cost averaging helps during market declines. A final push to favor tax-free retirement strategies to maximize what you leave behind.
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Use Dollar-Cost Averaging And Reinspect Holdings
- Dollar-cost average into investments regularly and buy more when prices fall.
- Review each holding and ask: would you buy it today with cash; if not, sell or trim it.
Trim Losers And Realize Tax Losses
- For taxable accounts, sell losers to realize tax losses and sell winners you wouldn't repurchase.
- Offset gains with losses and avoid holding ill-fitting positions out of inertia.
Regretted Selling A Big Winner
- Suze Orman sold a winning stock, paid capital gains, then watched it jump higher and regretted timing the market.
- She uses this to illustrate you cannot reliably outguess market moves, so avoid market timing.