Hey, everybody. I want you all to take advantage of the incredible interest rates that a

Lyon Credit Union is currently offering 4.5% for a three-month certificate, 4.75% for a six-month

certificate. But best of all, in my opinion, is 5% for a one-year certificate of deposit.

You can also purchase these in a retirement account. So go to myeliantaliant.com slash

ultimate and check it out now. Suzy Orman here and you are listening to the Women in Money Podcast.

Now this is not your ordinary money podcast, but there is nothing that I do that is ordinary.

So if you want to be the powerful woman that you were born to be in every aspect of your life,

then you have come to the right place.

We will ride. We will ride.

And Suzy, anything that's what today is, it's Thursday. And this is the day where you write in,

you ask your questions. I choose a few of them and then they are answered here on the podcast.

Our first question today is from Kali. Hi Suzy, I am 42 years old and have been self-employed

nail tech for 20 years. I only make around 27,000 a year. I am single. I have no retirement plan

in place and barely make enough money to pay my bills. I worry about how I'm going to retire.

I want to invest in a Roth IRA, but don't know if I'm eligible. What kind of options are there

for people like me? So, Kali, here's what I want to say to you. Of course, you qualify for a Roth

IRA. And even if you put $10, $50, $100 in there, whatever it is, something is better than nothing.

But here's what I also want to say to you, as well as all of you that happen to be

in a profession where you get cash tips. Now, I understand very well that most of you think,

not all of you, but most of you think that cash tips are free money to you.

Money that you do not have to pay taxes on. Money that you simply put in your pocket or do

something, and that's the money that you spend on this and that and that and it's part of your

...