there was a glimmer of hope when jimmy keene was involved. maybe something else will still evolve out of this. >> maybe the things i've done and am still doing will shine a light and give them hope at some point. tonight, the number one issue in america. >> it's going to take more time than any of us would like for the housing market to fully recover from this crisis. >> we have programs to help the poor but the middle income americans, they are the folks that are really struggling right now and they need someone to help get the economy going for them. >> why are you in so much debt? >> every pen that's invested, be careful what you say here. >> suze orman is live. >> how much should we be investing in savings?

>> i can't wait to hear your advice. >> plus, only in america the $5 billion success story. this is piers morgan tonight. good evening. this is a special live edition of piers morgan tonight. welcome our studio audience and suze orman will be answering your questions on twitter and on our facebook page who better than suze orman to talk dollars and cents. president obama had his say. >> banks and lenders must be held accountable to help cause this crisis in the first place and all of us have to take responsibility for our own actions or lack of actions. >> controversial comments saying he's not concerned with the

poor, the focus, instead, on middle class americans. >> i'm in this race because i care about americans. i'm not concerned about the poor. if it's there, i'll fix it. >> the number one finance guerrero is suze orman. welcome. >> thank you, piers. >> let's start with mitt romney. it sounded bad, didn't it? >> it sounded bad and i hate to say it, very naive because i've said the rich is getting richer and poor is getting poorer. he says he's concerned about the middle class. what middle class are we talking about? as we sit here, there are about 50 million people in poverty. what does 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 to it. so almost one out of two, one out of three people in the united states of america are edging in poverty and he's saying that he's not concerned? he should have fought it, piers. he never should have said it if he even thought it but it's a ridiculous thought. >> he adds up to a very wealthy guy with real americans, many of whom, tens, hundreds and million are really suffering right now. >> i don't understand the safety net that he says is there. if it's broken, he'll fix it. for him to get the economy back online. the first programs he's going to change is going to affect the poor. >> pretty soon, quite interestingly in britain, two things have happened to the banking community in the last week and it was public pressure anger. secondly, it's a famous barveger almost unprecedented, and a real series of big blows. are really suffering right now. >> i don't understand the safety net that he says is there. if it's broken, he'll fix it.

for him to get the economy back online. the first programs he's going to change is going to affect the poor. >> pretty soon, quite interestingly in britain, two things have happened to the banking community in the last week and it was public pressure anger. secondly, it's a famous barveger almost unprecedented, and a real series of big blows. do you think that they have gotten away with it in many ways? >> i think they have gotten away with it but the executives on wall street have gotten away with it as well. why is why the protection bureau

that president obama put into place -- he went over senate's head and did this because they didn't want to provide funding. it's so important that they are in power now because the banks have to report to them. the banks have to be held responsible. people in high economic positions need to be held responsible and one of the best ways to do it, at this point this time in the united states, is with the cfpb. >> at the moment, a lot of people are saying, i suspect for political reasons, things are improving. the jobless figures are getting slowly better, although some people are predicting it may have edged back up again. they are saying the economy, green suit is slowly improving. do you agree with that? >> no. i think the people get the stock market and economy confused. but is the economy itself

getting better? i don't see it. i'm seeing many people, productivity, they don't need it anymore. they are functioning as well as they were with the workers. >> to me, when you're kind of iconic airline -- >> 30,000 people. >> on the brink of bankruptcy. this is serious stuff, isn't it? >> it's serious but it's been serious. so i think people get to feel hopeful when they are watching tv and they are seeing good earnings and seeing these things but real estate is not coming back. jobs are not coming back. people don't have more money to do things with. so i think that they are going to get sadder again as this year goes on. >> what is the answer to the broken problem at the moment, of america incorporated, the country as a business?

>>. >> well, the country as it business is not running as a business. if you were going to give them a grade, you would have to give them an f. constantly we say denied. when you can't afford it, you don't buy it. if you spent so much more money than you were bringing in, you would be bankrupt. >> it's hard for the average american to understand this, spend within your means when you have a country debt of approaching $14 trillion. that's the wrong message, isn't it? it says, borrow whatever you want. >> it says they don't have a solution to this problem except to borrow. don't know how to fix a system that is seriously broken. so many things are broken and they don't know how to fix it.

>> do you think america needs to go back to building things rather than consuming? >> i think they need to go back to building things. however, do i think that's a reality? roads, cars, maybe, but not to the degree that we have an industrial revolution here and everything that was happening here. i think the answer is people are going to become entrepreneur yell and become their own bosses. the day of working for a corporation, you get a pension after 30 years, health benefits gone. so if you really want to be secure, you're going to have to be your own boss. so if you really want to be secure, you're going to have to be your own boss. >> it's fine for you. you're a very bright cookie. you started as a waitress in a restaurant and built thin credible empire. most average americans aren't natural entrepreneurs. i don't think i really agree with that. i think america does need to build these. for example, i'm told there's a big demand for big heavy machineries and they would buy it if they were producing in the

volume that is needed. but they are not. it's not happening anymore. >> and i think it's a nice idea. i just don't think that's what's going to happen. and that i could do here, but i think we have a big problem with how do you get the people now back 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 swallowing up american debt, almost on a daily basis and in insular. the most successful company in

the world, apple employs more people in china than it does in america. that to me is wrong. >> that may be wrong but it is the way. >> why is it the way? >> it's 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. then you have walmart come? >> this is the thing, suze, doesn't america have to work at affording it? shouldn't companies like apple, who i think is a brilliant company and use a lot of their products, but i disagree with a company having more people he employed in china. >> but in their way they are. if they had to hire the people here to produce the ipods, ipads, whatever they are, we would probably have to charge four to five times the amount of money that they are being charged to do it now. and people wouldn't buy it.

>> let's address the unthinkable. or apple reduces its massive profits slightly in the national interest. >> possibly, but that isn't the american way. it's not unthinkable. i just don't think they are going to do it. >> let's take a break and come back. chchasase e scscenene,e, x cocomimingng s soooonn exextrtra a bubutttter titickcketets,s, s swon pepengnguiuin n jojouruy jujuninioror m minints momoviviefefononee evevilil p pririncncee bobollllywywoooodd 3-3-dd shsharark k atattatack nened d ththe e hehead 5%5% c casashbhbacackk ririghght t nonow,w, g getet 5 k onon m movovieies.s. itit p payays s toto d di. the progresso chicken noodle you made is so good. it's got tender white meat chicken. the way i always made it for you.

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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. because in most cases it is not dischargeable in bankruptcy. >> this is america's money class. >> off to you, sheri. >> thanks so much for taking my question.

suze, thank you for taking my questions and thank you for everything 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 100% scholarship offer from a lower-tier college. my question is, should he take that 100% scholarship offer and give up the other higher-tier colleges in order to avoid any type of student loan? >> see, that is a brilliant question because that cuts to the absolute heart of america's educational problem. which is, there's a very bright student being offered a great scholarship, but to be in the top tier, to really realize his potential is going to cost him money that perhaps the family can't afford. pricing him out of the best education and china and india are offering to their students. >> welcome to america, piers.

welcome to america. so donny, here is what i would have to ask you. when you graduate college, if you had 20, 30, $40,000 of student loan debt, how would that make you feel? >> it would make me feel awful. >> see, that is the answer to the question. you never do something with money that after you've done it makes you feel horrible, makes you feel afraid. you want to graduate and you want to feel free. if you walk into 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. >> suze, what do you do, then? >> he should go to the college because i refuse that what makes you a great career is the school that you went to. the school does not make you people. you make the school. you make yourself. you make your career.

stay out of debt and take the 100% scholarship. >> bright students should not be priced out of this kind of 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 in debt. >> piers, the problem goes so much deeper. it's not just college. what is it that kids now aday have to go to private school for grammar school, first grade, second grade. you have so many people in the united states spending $30,000 a year to go to high school. >> it's horrible, isn't it? >> it's wrong. everything should be public. everything should be that way. but we don't honor our teachers.

we don't pay them enough. they are the first people that we cut and so what do people do? they start spending 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 nonfee-based school in america, wouldn't sne. >> they would. but you're looking at somebody who grew up on the south side of chicago, went to horseman grammar school, every single glass was smashed out. you had to be frisked 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've got an amazing story and it's incredibly inspiring and if i just sold the jewelry on your body right now i could retire. >> i don't think so. $200 for a watch. $75 for this ring and maybe $1,000 total here.

okay? got it, people. >> that's a good answer. is that true? >> yes. this is like -- this is -- yeah. >> it's a little trinket. >> feel it. >> but that's the trick. you wear it. i make my jewelry. my jewelry doesn't make me. >> i like this. >> let's go to a second question. this is from bill. over to you. >> hi, suze. thanks for taking my question. i wonder what kind of advice you give 20 to 30-year-olds between buying a house and renting? with the housing prices and large inventory of homes available and unprecedented 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 advice would you give them? >> they are nervous about that kind of commitment because they don't have the 20% down. they don't have the security of knowing that if they get a job, they are going to have to keep their job and they don't have the security of knowing the house appreciating in value. and so there's good reason for them to be nervous. there is also good reason that they are not nervous anymore. because it's a fallacy to think these interest rates are going to go higher. they are not going anywhere. it's a fallacy that real estate is going to skyrocket. it's not going anywhere for a long time. >> when i grew up, i'm sure the same for you, bricks and mortar. you never go wrong if you invested in bricks and mortar. now you can go badly wrong. look at florida where this primary just happened, which has the worst record of foreclosures

in america. these people are desperate. they invested in this all-american dream. you save enough money, put the deposit down, a, you have a lovely home and, b, you will make money when you resell it. that's gone, isn't it? >> that's gone for now. however, if they did have 20% to put down, if you could get a real steal of a deal, and you have enough of a cushion, they would probably do it. but when you see these kids not wanting to do it, it's because they are not secure in their jobs. nothing wrong with it if that's what makes you feel secure. >> but that is not the american dream. >> it is now. it most certainly is now. >> but the american dream has been tarnished in recent years. isn't it important to work from a philosophy, rather than america is broken, 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 its people are broken. its people are broken because they can't feed themselves, can't keep their cars, they can't do anything. so our spirits are broken. >> part of the problem is, when i grew up, for example, you could buy a house with 5%. i bought a house recently in america. i had to put down 35%. the banks are no longer lending the money that they used to. the same bankers, not all of them, that you could argue brought this country to its financial needs. now these people and all that, if they wanted to, they just by going and listening to suze

orman, don't buy a home unless you put 20% down. if you have a negative equity position starting in 2013 because the tax laws currently in place, you bought a home for 200,000. it's now worth 100,000. now you do a short sale. you do not have to owe income taxes on a primary residency between the 100,000 and 200,000. starting in the year 2013, you will. let's take a break. let's talk about how to keep america great. also, this is going very well. [ jennifer garner ] there's a lot of beautiful makeup out there.

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you are really, really going to love me when i give you this answer. you have been bucked off that horse. you have been denied. just leave it where it is.

trust me. >> suze orman's book is "the money class." it's not the people who are broken, suze. the people are why this is a great country. we will rebound. now, i agree with that. see, i don't think that people are broken. the people are angry, they are frustrated, they are hurting. they are not broken. >> their spirit is broken. >> you think so? >> are your spirits broken? some yes, some no. >> i think you are frustrated and want this economy sorted out. i don't think you are broken. americans need like suze does every day, come back and keep this country getting better every day. >> and none of you are only of

those people homes and cars and have lost everything and two weeks after they get their disability check or they get a 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. i mean, america is a great country and it is 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. >>. they are very scared and broken. >> all i've seen is congress squabbling like school children and getting nothing done. if i was an american, i would be seething about this. i would be saying, get stuff

done. kiki has a question. >> hi, piers, hi suze. i wanted to see how to prioritize these different things. >> did you just say helping your siblings with a wedding? >> yes. >> is more of a priority over you getting out of credit card debt or saving money for your retirement? it's something i really want to do. >> do you have credit card debt and how much credit card debt do you have? >> if i average everything out, it's 15%. >> on $9,000.

here's what is nuts. if you had any money in the bank, they would be paid 20%. treasury is thinking about making you pay them. kiki, you want to help others, you have to help yourself. your priorities are to pay down your credit card debt. then fund your roth iras and then if they are still going to get married, you can help them. you do not have the money. and i know that's hard for you because you want you want them to see you in a certain light. >> i was when america $14 trillion in debt, you know, unemployment raging, loads of people with no money, suddenly it was like the flood gates opened.

millions and millions of americans storming into the shopping centers to spend money that i just -- i guessed many of them just don't have that money. what were they doing? >> shopping. >> >> i know. but where is the commonsense? where is the responsibility? because although i blame wall street, governments for what has happened to the economy and global economy in 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. you've got to be personally responsible, haven't you? >> there's a saying that i have when you feel less than you spend more than. so when you feel like there's no answer, it doesn't matter any way, i'm just going to go shopping and buy something. look at everybody shaking their heads at that. and you just told me you didn't feel broken. when your spirit is broken and

nobody is validating you and nobody is willing to help you, you throw it in and you go, let's go shopping. >> tell me about your prepaid card. you've taken a lot of flack for this. >> yes. >> suze is on the take here. she's raking up your fees, all this kind of thing. what is the truth? >> do you think at this point in my career that i would get on television and i would say, this card if you use it like i tell you to, will not cost you more than $3 a month if that wasn't true? why would i do that? suze orman wrote a book, the 2009 action plan, i wrote it to be given away on the oprah winfrey show, not to sell it. we gave away $2.2 million copies. i give away my identity theft. i'll give it away to all of america if you want. why would i, at this point in my career, having given away tens and millions of dollars with tools -- >> if you don't study all of the

wording of this card, you could end up paying -- >> no. because we even have what's called a fee alert text. so if you're paying fees that you shouldn't pay because you're doing something ridiculous, we send you the text. but here's the truth. you know how romney was out of touch with the poor people. the people bho are judging prepayed 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. so can you tell me what are these people to do? you can't tell them to go and pay in cash. everything is online today. they have to pay their bills. prepaid cards were given a very bad rap a few years ago. guess what, they deserved it. but just because they are bad doesn't mean that everyone that comes out is going to be bad. my -- i love my card. i stand by my card.

i guarantee you one year from now these reporters that have gone absolutely loony -- >> given all the attacks that have come on you, is there anything that you will change about the card? >> yes, there will be one thing about the card. and i said this. that when we can, the $3 a month fee will go away. but for $3 a month, now you get unlimited credit scores, reports, you get free identity theft protection. you get everything for free. here's what people should do. they should make up their own mind. they should go to beapproved.com. look at everything that this car comes with. you don't have to get it. if you're happy with your credit union or bank account, stay there. my mother is 96, piers, shes had a different aide there almost every day. i can't leave cash around. i can't leave a credit card around. i got the card. i gave my mother one. doesn't cost any more. 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. >> if it's good enough for your mother -- >> how do people save money in difficult times. what are the best ways? if you're 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 20 years will cost you some $200,000. it's a lot of money, especially if you're going to send them to college. >> words of wisdom from what are the best ways?

if you're 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 20 years will cost you some $200,000. it's a lot of money, especially if you're going to send them to college. >> words of wisdom from america's money class. my four children will cost me more than$1 million. >> what were you thinking? >> deny, deny, deny. >> 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's worth $18 billion. eats going to create how main millionaires and make himself incredibly rich.

he employs a lot of people in america and we should be saluting him, shouldn't we? >> i think we should be saluting him. i'm happy for people when they have success. who wants to rip people down, make it so they don't succeed. we need to propel people up and hold them up. should you buy the stock or not? i don't have a clue. i do know 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 then we have to see what happens. i have a feeling once it has gone all the way up, people will want to take profits. it will come back down and then you'll make the decision if you should buy it or not. so it's going to be -- it's -- you know, 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. >> let's take a question from natalie. >> my husband and i make about

$200,000 a year. we live here in new york city. we don't own any property. we don't have any kids and we really struggle to save money. what is our problem? >> they are earning good money. the fact that they can't save money on that kind of income. >> but here's something important. this is the people -- and president obama was talking about, raising taxes on everybody originally above $250,000 and i've been arguing about this. you want to raise taxes, do it on $1 million. if you live in new york city, after taxes, that is your problem. it's not just federal and state. it's federal, state, city and by the time you are done, you are bringing home $100,000 a year. now, that may seem like a lot, but not in new york city. for the rent, for -- so move. or you make more money but it's very difficult in this city to

do that. >> let's get brutal. how should people save? what are people wasteful about? >> almost everything. i i almost started a national riot when i went on the oprah winfrey show. i asked people to simply stop going out to eat for one month. oh, my god, the restaurant industry, i thought they were going to come out and literally pop me one. >> you can't blame them. >> they all go out to eat, put it on credit cards. they are nervous as they can be when they give the credit card to the waiter hoping when the waiter comes back will say, you've been approved because they know that they are pretty much to the limit and then they only pay the minimum payment due. so they are going into debt to go out to eat. they go into debt to go to the movies. they go into debt for all of these things. people in the united states need to learn how to get as much pleasure out of saving as they do spending.

>> how eld can people waste money? what are the most common ways that people waste money? >> i personally would tell you weddings but i know that wouldn't be a popular answer for somebody like me. they normally waste money, truthfully, is on entertainment and clothes. >> here's my issue with this, suze. >> you have so many issues. >> i've got a lot of issues. my issue is, you can't kill everybody's fun. even in these tough times. i actually quite like, newt gingrich said let's have a moon colony. i remember the lunar landing. they were the most incredibly exciting thing ever. >> do this. shake the cobwebs out of this head. go like this with me. >> you've got to dream a dream as well. you have to have fun. >> but you have to have the money. who has severe credit card debt in in room? anybody? >> you. you. when you go out to dinner and you're putting money on your

credit card knowing that you don't have the money to pay for it in full, is it fun? even though you do t. do you wish you hadn't done it? isn't it worse to do that than just to stay at home and make love with each other? >> when we come back, another question from the studio audience. you think you take off all your make-up before bed. but do you really? [ female announcer ] neutrogena® makeup remover erases 99% of your most stubborn makeup with one towelette. can your makeup remover do that? [ female announcer ] neutrogena® makeup remover. golly, that is deep snow! yeah, can you get me out of it? of course. travelocity? that's how i got here! that's amazing! but i'm still stuck.

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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 joanne's jackets. >> suze orman on nbc "saturday night live" and that is i good impression. >> for most certainly is. >> where do you get your jackets? >> she has done this about six times now and we get e-mails saying we tried to find that place in phoenix and we can't find it. anyway. >> i like this tweet. it makes stating at home so true. in new york, the best times i have been in new york in central

park getting one of the freaky wooden boats where you had them paddle around into people. it's $10 for an hour. the simple thing that people can go back to having normal old fashioned fun. >> now you are confusing me. i diswith you. people should be able to have fun and buy this and do that. >> people were being miserable. >> they are all broken and no one can have fun. you are not even allowed to eat. you must stay at home in misery watching the "the suze orman show." >> you are not broken, but do you feel like your spirit is broken? >> i will rally the troops. it's the way you rally them is you can't rally them by saying come on, let's do this. you have to give them away and they can sell their house and stay in their house and feed

their children. they request go to school and get a job and do the things that are their birth rights. they are not asking for a lot of money. they are just asking for a place to live. >> i think on politicians and business people to stop whining all the time. there is a bit of yes, these things have to be facilitated. they are showing a bit of consensus and 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 on that, but they are not doing it. all we can say is why not? why not? >> let's take another question. audrey has a question. >> thank you. suze, i think you are amazing and thank you so much for all your advice. so i recently received a cash bonus and i will be getting -- i hope don't ask me where i work and afternoon income tax refund.

i have a 401(k) loan that i got before i started watching your show that i would never do again. i also have credit card debt. >> how much of a tax refund are you going to get? $3,000? >> yes. that was really good. >> how did you know that? that was freaky. >> so how much credit card debt tough? >> i was afraid you were going to ask me. >> 15 or 20? >> about that. >> did i impress you again? >> this is very, very unusual. >> if you were to increase your exemptions and not get a $3,000 tax refund, you would be getting $250 more a month on your paycheck. you can take that and start paying it right now towards your

credit card debt. this year raise your exceptions so you don't get a refund anymore. if you have a cash bonus, you should immediately put it towards your credit card debt. >> what is the single greatest moment of your life? if you can relive a moment, what would it be? >> i had so many. >> i want one out of you. a straight answer. i have the power. i can zap is back right now. >> there so many. probably meeting k. it. . the greatest and luckiest thing that happened to me is kt. we got married two years ago in south africa. you see pictures of her there now. the greatest moment of my life. i would trade everything and give every penny i have to be with kt. >> we don't have love in our

lives, it's pointless. >> that's the greatest thing. when i look at the pictures of us together, you can see it. we are going on 11 years. that's the greatest moment of my life. >> the other is how many times have you been properly in love? >> one. >> this is it? >> this is it. >> great answer. let's take a break. one last part of the segment. final thoughts on how to get america back on its feet. so who ordered the cereal that can help lower cholesterol and who ordered the yummy cereal? yummy. [ woman ] lower cholesterol. [ man 2 ] yummy. i got that wrong didn't i? [ male announcer ] want great taste and whole grain oats that can help lower cholesterol? honey nut cheerios.

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much better. very quick last questions. super bowl pick. >> new york. >> the giants. gop pick? >> romney. >> romney and the giants. >> before we go, only in america story one of the biggest successes is the $5 billion facebook offering and one of the biggest ipos and an amazing example of american ingenuity. it's a $100 billion country and 800 million active users. 235,000 jobs in the united states and 815 billion in the economy. it didn't even exist when i was growing up came to define the worldwide web. obviously successful and i answer with one glorious wor