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Oprah:
We're almost out of time so we're going to start wrapping up. Suze in the last chapter of her book asks never to forget the painful lessons that 2008 taught us and for us all to remember these three things.

Suze:
Yeah. So the first one is let's see what order we have them in. We have them.

Oprah:
Hello, where are they?

Dean:
Right there.

Oprah:
There they are.

Suze:
There they are. All right. So when it comes to money, when it sounds too good to be true, it is.

Oprah:
Yes.

Suze:
All of you, please remember the Bernie Madoff scandal that's everywhere around. If it sounds too good to be true, it is. If somebody's rushing and they're saying to you , "I have this great deal," get out of it. Who cares? If you cannot afford it, do not buy it. Do you understand that, everybody? Is it a need? Is it a want? If you cannot afford it, don't buy it. But this one here really is my favorite. And it's this. It is far better to do what is right than to do what is easy. It's easy to go to Ireland for a—for a wedding that you cannot afford. It's easy to pay your brother's mortgage payments for him even though you don't want to do so. It's easy to do all these things for all these people, but it's just not right.

Oprah:
Yeah. But Micki's issue about going to Ireland, that's even deeper than just the money.

Suze:
Yeah.

Oprah:
That's a lot of—that's pleasing other people.

Suze:
People.

Oprah:
And trying to live for the—

Suze:
But it's easier to please other people—

Oprah:
Than it is to do what's right.

Suze:
—than to do what's right for yourself.

Oprah:
For yourself.

Suze:
And that's where he get into mistakes and problems.

Oprah:
Mistakes. Well, I want to thank all of you around the world and Suze does, too, for joining us. Isn't this fun?

Suze:
I love this. You sure you don't want to do another hour?

Oprah:
I really can't do another hour though. You're going to do another hour on the radio, though. 2009 is the year to take control over your finances. This is a great, great, great book. It's an action plan for all of us. And even before—I think I got one of the first ones that came off the press.

Suze:
You did. You actually got number 9.

Oprah:
Number 9.

Suze:
Because 9 is the number of wealth in Asia, and I pulled that one so the first nine copies I pulled and the ninth one that I sent you was the ninth one because you deserve a life of wealth because of everything you've given to this world.

Oprah:
Thank you so much. The first step is to find out what your FICO score is. Remember, Oprah viewers get a 50 percent discount on Suze's FICO kit. The offer expires one week from tonight. You can find it by going to Oprah.com/FICO. Now, if you want to experience this class again or tell a friend who missed it, our webcast will be available on demand tomorrow for free here at Oprah.com. You can also download the podcast tomorrow at Oprah.com and iTunes. The conversation continues right after this webcast. Suze is still fired up. She'll be taking your calls on Oprah Radio. Tune into XM 156 or Sirius 195. Now tomorrow night again at 8 p.m. Central on Oprah.com we'll be here with Dr. Laura Berman, who will be taking your questions about sex. She can get a lot more specific on the Web, so don't miss that. And before we leave the web, listen to this. You have until 11:59 Central Time tonight to download Suze's best-selling new book for free. That's about two hours from now where we are, Central time, and then it's over. So thank you again for your generosity, Suze. This is amazing what you're doing.

Suze:
Thank you to Julie Grau for the generosity. She is the publisher. Spiegel & Grau. Thank you, Julie.

Oprah:
Good night, everybody.

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