Nicole Spector

Mon, May 19, 2025, 6:02 AM5 min read

With economic uncertainty around every corner, it can be difficult to ascertain exactly what you should be doing to build wealth and achieve financial freedom. In other words, you may want to adjust your financial goals to best align them with the expertise of seasoned financial professionals.

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While everyone’s rushing to make money moves to offset a potential recession, financial guru Suze Orman thinks you should slow down before you panic and has some deep-dive insights into what she thinks are the four best money moves you can make this year. So, what are they, and how can you implement them into your daily routine to improve your finances?

We’ve all got a lot going on in our lives, and it can be challenging to carve out time every week or so to get totally up to date with any changes to the realm of personal finance and the larger economy. But, if you want to be smart about money, you need to know what’s going on. Fortunately, you can stay informed by keeping up with Orman’s and other financial gurus’ fresh content.

In a blog post on her website, Orman wrote, “I promise that I will report on any policy changes that impact your financial security and offer my best advice on what to do. And what not to do.”

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With the Trump administration in full swing, it’s easy to get overwhelmed by the sheer number of policies and changes in the news. But Orman warns against succumbing to floating speculation and instead suggests aligning yourself with concrete facts.

This can be tough, especially when you’re deeply concerned about the future of things like Social Security, for example. Despite all the noise about benefit cuts, Orman’s not buying into the panic. “Anyone saying the system is ‘broke’ is fearmongering,” she wrote.

Her point? Social Security remains hugely popular across party lines, and “a significant portion of retiree households rely on it for all (or a majority) of their income.”

Orman continued, “I can’t stress this enough: there is a difference between a policy being floated, and a policy being enacted. Perhaps the most unsettling part for many of you is the mention of reducing Social Security (and Medicare) benefits.

“Please don’t let that concern push you to change your strategy for delaying your start date to collect benefits. Be patient. Floating is not policy,” and she added, “Making financial decisions based on hunches is never a good idea.”