>> suze orman live. how much should we be investing? >> should we buy a house in this economy? >> i can't wait to hear your advice. >> plus facebook goes 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 my studio audience and my guest suze orman. who better than suze orman to talk dollars and common sense on america's economy. president obama had his say. >> lenders must be held accountable for ending the practices. all of us have to take responsibility for our actions. >> comments from mitt romney on cnn saying he is not concerned with the poor but focused 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 i'll fix it. >> you are the number one person with finance. welcome. let's start with mitt romney. that was an extraordinary comment for somebody to make. i'm not concerned about the poor. whatever came afterwards, whatever context he was trying to put it in it sounded bad. >> it sounded bad and it also sounded very naive. for so long i have been saying the rich are getting richer, poor is getting poorer and middle class is disappearing. he says he is concerned about the middle class. what middle class are we talking about? as we sit here there are about 50 million people in poverty. that means a family of four making $22,000 a year or less. there is almost 150 million people in poverty, near poverty or that close to it. almost one out of three people in the united states of america are edging in poverty and he is saying he is not concerned? he should have thought it, he shouldn't have said it. it is a ridiculous thought. >> doesn't it sum up mitt romney's big problem which is the sense that he has a disconnect from ordinary americans. we see it from the money that he declares and so on. all of it adds up to a picture of a very wealthy guy slightly out of touch with real americans, many of whom are really suffering right now. >> i don't understand the safety net that he says is there and if it is broken he'll fix it. for him to get the economy back online the first programs he is going to change are the programs that effect the poor. and so very, very silly thing for that man to have said. >> president obama laying out criticism of the system, in britain same thing happened in the banking community in the past week alone, one big banker was denied a million pound bonus. it was removed by public pressure and anger. a second banker was knighted by the queen. so what you are seeing is a real series of big blows. would you like to see that in america? do you think bankers are done away with it? >> i think many have gotten away with it but i think many executives on wall street have gotten away with it, as well. which is why the consumer financial protection bureau that president obama put into place. he went over the senate's head and did this. it is 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. one of the best ways to do it is with the cfpb. >> at the moment many people think things are improving. they are saying the economy, it is slowly improving. do you agree with that? do you think america is coming out of the recession? >> no. i think people constantly get the economy and the stock market confused. when the stock market is going up people tend to feel more hopeful because they see their statements go up. is the economy itself getting better? i don't see it. i don't see jobs coming back. i see millions of people out of jobs that those jobs won't come back because the computer, productivity. they don't need them anymore. half of the world is functioning as great without the workers as it was when they had the workers. >> to me it is worrying when your iconic airline, american airlines trying to cut 13,000 jobs. this is serious stuff. >> it is serious but it has been serious. i think people get to feel hopeful when they are watching tv and seeing good earnings and seeing these things. real estate is not coming back. jobs aren't coming back. people don't have more money to do things with. i think they're going to get a little sadder again. >> what is the answer to the broken problem at the moment of america incorporated? the country as a business? >> the country as a business isn't running as a good business. if you were going to give us a grade you would have to give them an f. these people will tell you that we say denied. when you can't afford it you don't buy it. if you spent so much more money than you are taking in you would be financially bankrupt. >> very hard for the average american to understand to spend within your means when you have a country debt approaching $14 trillion. that is the wrong message. that says borrow whatever you like. >> it says that they don't have a solution to this problem except to borrow. it's not like they want to borrow but they don't know how to fix a system that is seriously broken. medicare system is broken. 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 however do i think that is a reality? roads, cars, maybe but not to the degree when we had this industrial revolution here. people are going to have to become entrepreneurial and became their own bosses. if you really want to be secure you are going to have to be your own boss. >> it's fine for you because you are a very bright cookie. you built this incredible empire. most average americans aren't natural entrepreneurs. i think america does need to build. there is a huge demand in china for big heavy machinery and they would buy it from the americans if the americans were producing it. but they are not. that old style industrialization america isn't happening anymore. >> i think it's a nice idea but i don't think that's what is going to happen. we have entered a new period with new technology and things that have never been developed before i think we can do here. i think we have a big problem with how 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. 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 someone like china which is swallowing up american debt almost in a daily basis and china is mass producing very cheaply with very cheap labor a lot of the stuff the world is consuming. is it time to have a formal trade war with china. the classic example is apple, the most successful in the world but apple employs more in china than 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 and everything. we couldn't afford it because things kept getting more and more expensive. you have walmart coming in. >> doesn't america have to work out a way of affording it? shouldn't companies like apple who i think is a brilliant company, i fundamentally disaagree with an american company having more people employed in china than their own country. >> in their way they are looking after their country. if they had to hire the people here to produce the ipods and ipads we would have to charge four to five times the amount of money that they are being charged to do it now. >> let's address the unthinkable or apple reduces its massive profits slightly. >> possibly. is it the american way? it's not unthinkable. i don't think they are going to do it. >> let's take a break and come back and get some questions from ms. already fired up orman. when bp made a commitment to the gulf, we knew it would take time, but we were determined to see it through. today, while our work continues, i want to update you on the progress: bp has set aside 20 billion dollars to fund economic and environmental recovery. we're paying for all spill- related clean-up costs. and we've established a 500 million dollar fund so independent scientists can study the gulf's wildlife and environment for ten years. thousands of environmental samples from across the gulf have been analyzed by independent labs under the direction of the us coast guard. i'm glad to report all beaches and waters are open for everyone to enjoy. and the economy is showing progress with many areas on the gulf coast having their best tourism seasons in years. i was born here, i'm still here and so is bp. we're committed to the gulf for everyone who loves it, and everyone who calls it home. nature valley trail mix bars are made with real ingredients you can see. like whole roasted nuts, chewy granola, and real fruit. nature valley trail mix bars. 100% natural. 100% delicious. 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. >> america's money. someone in the audience has a very specific question on this very issue. >> thanks for taking my question. thank you so much for taking my questions and for everything you do for us. our son is heading to college this september and has had a number of scholarship offers from some 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. >> that is a brilliant question because that cuts to the heart of america's educational problem. a very bright student being offered a great scholarship, but 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 are now beginning to offer their students. >> welcome to america. johnny, here is what i would have to ask you. when you graduate college, if you had 20 or 30 or $40,000 of student loan debt how would that make you feel? >> it would make me feel awful. i don't know how a person would pay that back. >> then that is the answer to the question. you never do something with money that after you have done it makes you feel horrible or afraid. you want to graduate and feel free. if you walk into a job with loan debt on your shoulders you start to feel the burden of debt and you go i have to get a job. >> what do you do? >> he should go to the college that gives him 100% scholarship because i refuse to believe what makes you a great career is the school that you went to. the school does not make you. you make the school. you make yourself, your career. boyfriend, stay out of debt and take the 100% scholarship. >> i don't agree with it. i don't think we should be in this position. we have the same crisis in the british education system. bright students should not be priced out of this kind of education. 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 having this problem. >> it is not just college. what is it that kids today have to go to a private school for grammar school, first grade, second grade. you have so many people sending $30,000 a year to send their kids to high school. it's wrong. i think no private school should be out there. everything should be public. everything should be that way. we don't honor our teachers. we don't pay them enough. they are the first people we cut. people spend money to go to private schools. it is not the american way. >> the problem is people will get a better education at a private school right now than from a nonfee based school in america. >> you are looking at somebody who grew up on the south side of chicago. every glass was smashed out at my school. you had to be frisked before you got in. the education was not good and look at me today. anything you want you can get. >> you have an amazing story and it is inspiring. if i saw the jewelry on your -- if i stole the jewelry on your body i could retire. >> maybe $1,000 total. >> that's a good answer. that's true? >> yeah. >> that's a good answer. >> you wear things and because you wear it. i make my jewelry. my jewelry doesn't make me. >> i like this thing. let's go to a second question from bill. >> hi, susie. thanks thanks -- hi, suze. what advice do you give to 20-year-olds today based on buying a home or renting doompt you think the large inventory of homes that are available and the low interest rates now we buy, buy. a lot of young people in their 20s and early 30s are real nervous about that kind of commitment. what kind of advice? >> they are nervous about the commitment because they don't have the 20% down or the security of knowing that if they get a jube they're going to get to keep their job and they don't have the security of knowing that a house will appreciate in value. if they need to sell it they will be able to at least get back their closing costs and moving costs. there is good reason to be nervous but also good reason to wait until they are not nervous anymore. it is a fallacy to think that these interest rates are going to go higher. they are not going anywhere. fallacy to think real estate is going to sky rocket. >> when i grew up bricks and mortar was the great mantra of investment. you never go wrong if you invest in bricks and mortar. now you can go really bad. look at florida with the worst record of foreclosures. these people are desperate. they invested in this old american dream. you save money and buy a house. you have a lovely home and you will make money when you resell it. that's gone isn't it? >> that's gone for now. they did have 20% to put down. if you understood money and you had enough of a cushion they would probably do it. when you see these kids not wanting to do it, it's because they are not secure in their jobs. if you don't have enough money you rent until you do. there is nothing wrong with renting for the rest of your life if that's what makes you feel secure. >> that is not the american dream. >> it most certainly is now. >> the american dream has been tarnished in recent years. isn't it important rather than america be broken, that america remains a great country it has to be brought back up again. isn't that a better way of looking at this? >> america is a great country but its people are broken. and its 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 and can't do anything. your spirts are broken. >> part of the problem is a lot of people -- when i grew up for example you could buy a house with 5%. i bought a house in america and had to put down 35% deposit. the banks are not lending the money they used to. the same institutions that brought the country to the financial needs now awarding same bonuses but not lending money to people who are desperate for homes. >> these people could buy a home with 3.5% down by going to fha. if they listen to suze orman don't buy a home unless you put 20% down because you don't want to have a home in negative equity position because the tax laws in effect that says you can do a short sale, you don't owe income taxes on the primary residency. starting in 2013 you will. >> let's take a break. let's take a break and talk more about how we keep america great. we'll get more questions and you can send tweets. i like this. i'm robert shapiro. over a million people have discovered how easy it is to use legalzoom for important legal documents. at legalzoom we'll help you incorporate your business, file a patent, make a will and more. you can complete our online questions in minutes. then we'll prepare your legal documents and deliver them directly to you. so start your business, protect your family, launch your dreams. at legalzoom.com, we put the law on your side. that's how it is with alzheimer's disease. she needs help from me. and her medication. the exelon patch -- it releases medication continuously for twenty-four hours. she uses one exelon patch daily for the treatment of mild to moderate alzheimer's symptoms. 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[ female announcer ] ask the doctor about your loved one trying the exelon patch. visit exelonpatch.com to learn more. you are really, really going to love me when i give you this answer. are you ready for it? you have been bucked off that horse. you are denied. just leave it where it is. trust me. >> that's from the suze orman show. h her -- lots of tweets. it's not the people who are broken, suze. the people are why this is still a great country. i don't think the people are broken. they are angry and frustrated and angry. >> their spirit is broken. >> do you think so? >> audience, are your spirit broken? some yes, some no. >> i think you are angry and frustrated and want better government. i don't think you are broken. americans need to come back and keep this country getting better every day. >> let me tell you whose spirts are broken. some of the 50 million people out there and none of you are those people because you wouldn't be sitting here. people lost their homes, cars, everything. two weeks after they get their disability check or social security check they have to 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're 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. their spirts are broken. >> all i have seen is is congress squabbling like school children and getting nothing done. if i was an american i would be marching around washington. get stuff done. you have a question. >> hi, suze. i have to choose between helping my families with my weddings, paying off credit card debt and putting more money in my roth ira. >> did you say helping your siblings with a wedding is more of a priority for you over getting out of credit card debt or saving money for your own retirement? >> not more of a priority. >> you threw it in the mix. >> it's something i want to do. i want to be able to help them out. >> i get that you want to do that. you have credit card debt. if you have credit card debt you have bondage and will never have financial freedom. how much credit card debt do you? >> do i have to say? >> yes, ma'am. >> $9,000. >> what interest rate? >> probably around 15%. >> 15% on $9,000. if you have money in the bank they would be paying half a percent. treasury is thinking about you paying them to be able to buy a treasury. that is another story. 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 iras. if they are still going to get married you can help them. you are not in the position. you do not have the money to help others. i know that's hard for you because you want them to see you in a certain light. >> it's a very good point because i'm staggered. black friday before christmas when america $14 trillion in debt, unemployment raging, loads of people with no money it was like the flood gates opened. millions of americans storming to spend money. i guess many of them just don't have that money. what were they doing? >> shopping. >> i know. but where is the common sense? where is the personal responsibility? although i blame bankers and wall street and government for what has happened to the american economy and the global economy i also blame members of the public for not taking their own responsibility and that includes me and everybody in the room. you have to be personally responsible. >> there is a saying that i have when you feel less than you spend more than. when you feel like there is no answer. it doesn't matter anyway i'm 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 nobody 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. you have taken a lot of flack for this. suze is raising up the fees. what is the truth? >> do you think at this point in my career that i would get on television and say this card if you use it like i tell you to would not cost you more than $3 a month if that wasn't true? su suze orman wrote a book not to sell it. we gave away 2.2 million copies. i give away my money navigator newsletter. i'll give it away tonight to all of america if you want. why would i having given away tens of millions of dollars worth of tools. >> here is the problem with it. if you don't study the wording of this card you could end up paying fees. >> no. we have a fee alert text. if you're paying fees that you shouldn't pay because you are doing something ridiculous we send you a text. you know how romney was out of touch with the poor people, the people judging prepaid cards today are out of touch with poor people. there are 50 million people out there that can't get a bank account or an account at a credit union and have bounced checks. can you tell me what these people are to do? you can't tell them to pay in cash. everything is online today. prepaid cards were given a bad rap years ago and they deserved it. just because they are bad doesn't mean everyone that comes out is bad. i love my card. i stand by my card. i guarantee you one year from now these reporters -- >> given the attacks that have come on you, is there anything you would change about the card? >> there would be one thing i would change, when we can the $3 a month fee will go away. for $3 a month you get unlimited credit scores, reports, free identity theft protection and everything for free. people should make up their own minds. they should go to the approved card.com and click on fees and look at what this card comes with. if you don't like it you don't have to get it. for those people like me who have an elderly mother. my mother is 96. i can't leave cash around because there are different aides around. you get up to four cards for $3. i can load it. every time one of my mother's aides buys something for her i get a check immediately. >> if it is good enough for your mother it sounds pretty good. let's take a break and talk about how people save money in difficult times. you know when i grow up, i'm going to own my own restaurant. i want to be a volunteer firefighter. when i grow up, i want to write a novel. i want to go on a road trip. when i grow up, i'm going to go there. i want to fix up old houses. 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[ female announcer ] the travelocity guarantee. if you find a lower rate, we'll match it, plus give you $50 off your next booking. from the price to the room to the trip. you'll never roam alone. if you are going to have a child you have to be able to afford to have a child. children are very expensive. one child will cost you maybe $200,000. lots of money especially if you are going to send them to college. >> words of wisdom there. my four children are costing me a million dollars. >> what were you thinking? >> deny, deny, deny. >> isn't that the key phrase. let's talk about, should we 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 is going to create god knows how many millionaires and employs a lot of people in america. we should be saluting him? >> i think we should be saluting him. i'm happy for him. i'm happy for people when they have success. who wants to bring people down? we need to propel each other up and hold each other up. should you buy the stock or not? i don't have a clue. i know none of us will be able to get in on it on the first offer. america will go crazy and bid it all the way up. then we have to see what happens. i have a feeling once it has gone all the way up people will want to make profits and then you will make the decision to buy it or not. it's going to be a strange one. when google first came out, look at it now. when apple first came out, look at it now. i have a feeling in the long run facebook will meet one of those companies. my husband and i make about $200,000 a year. we live here in new york city. we don't own property and we don't have kids and we struggle to save money. what is our problem? >> you live in new york city. >> they are earning good money. what do they do? the fact they can't save money on that kind of income. >> this is the people that president obama was talking about raising taxes on everybody above $250,000. i have been arguing. not on people like this. 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. 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 this city to do that. >> how should people save? what are things people are wasteful about? >> almost anything. i almost started a national riot when i went on the oprah show. i asked people to stop going out to eat for one month. the restaurant industry i thought they were going to pop me one. >> you can't blame them. >> i can. 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 when the waiter comes back they'll say you've been approved because they are pretty much to the limit and then they are paying the minimum due. they go into debt for these things. people in the united states need to learn how to get as much pleasure out of saving as they do spending. >> how else are people wasting money? >> i personally would tell you weddings but i know that wouldn't be very popular. they normally waste money truthfully with entertainment and clothes. >> here is my issue with this. >> you have so many issues. >> i have a lot of issues. you can't kill everybody's fun. even in tough times. let's have a moon colony. why not? can you imagine the excitement of this rocket going to the moon? i remember the lunar landing. >> go like this with me. you have to have the money. who has severe credit card debt in this room? anybody? when you go out and you are spending money and putting it 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 worst to do that than to stay home? when we come back more questions from the audience. er l and who ordered the yummy cereal? yummy. 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today i'm going to tell you. i get most of my jackets in phoenix, arizona. >> playing suze orman. that is a very good impression. >> it most certainly is. >> where do you get your jackets? >> so she does this. she has done it about six times now. we get e-mails saying we try to find that place in phoenix, arizona and we can't find it. i'm like are you kidding me, people. >> getting a lot of tweets tonight. this says you can have lots of fun without spending. picnics, walks with friends. that is so true. the best times i have had often we go to central park and get in a boat and have a round running into people. $10 for an hour. a simple thing that people can do, just having normal old fashioned fun. >> now you are confusing me. a few minutes ago you said people should be able to have fun and buy this and do that. >> you were being a little bit miserable in your outlook. they're all broken. no one can have fun. not even allowed to eat. stay at home in misery watching the suze orman show. >> you're not broken but do you feel at times like your spirit is broken because nobody is listening to you. the way you rally them is you can't rally them by saying let's do this. you have to give them a way that they can sell their house, that they can stay in their house and feed their children and go to school, that they can get a job, that they can do the things that are the rights. they are not asking for a lot of money. they are asking for a place to live. >> also i think politicians and business people need to stop whining all the time. these things have to be facilitated. politicians showing a bit of consensus, agreeing on policies and getting things done and rallying americans to feel good about their country and themselves. >> i agree with you on that but they are not doing it. all we can say is, why not? thank you. thank you so much. i received a cash bonus and will be getting -- i hope you don't ask me where i work. i am getting an income tax refund. i have a 401 k and also credit card debt. i was trying to find out what is the best way to use the money. >> how much of a tax refund are you trying to get? >> about 3,000? how did i know that? >> how did you know that? >> how much credit card debt do you have? >> i was afraid you are going to ask me that. it is a lot. >> 15 or 20. >> this is getting unusual. >> if you were to increase your exemptions and not get a $3,000 tax refund you would be getting $250 more per month on your paycheck. you could start paying it right now towards your credit card debt. so next year this year raise your exemptions so that you don't get a tax refund anymore. if you got a bonus you should immediately put it towards your credit card debt. >> what is the single greatest moment in your life? if i could relive a moment for you what would it be? >> i have so many. >> i want a straight answer. i got the power. i can zap it back right now. >> i have to say probably mee g meeting kt. we got married two years ago in south africa. the greatest moment in my life. i would give away every penny i have to be with her. >> and you don't have love in your life it is pointless. >> so that's the greatest thing. you can see when i look at the pictures of us together you can see it. we are going on 11 years now. it is the greatest moment of my life. >> how many times have you been properly in love? >> one. >> just one? >> this is it. i haven't been in love before that. >> let's take a break. one last segment. final thoughts on how to get america back on its feet. e anno] you are a business pro. premier of the packed bag. you know organization is key... and so is having a trusted assistant. and you...rent from national. because only national lets you choose any car in the aisle...and go. you can even take a full-size or above and still pay the mid-size price. here we are... 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