Panic Selling? Suze Orman and Keith Fitzgerald Just Dropped the Ultimate Market Reality Check
Look, if you've been doom-scrolling your brokerage app this week, you aren't the only one. The red is absolutely blinding right now. But before you liquidate your entire life savings to hoard Costco gold bars—stop. Take a breath.
I just finished filtering through the latest Women & Money episode (from mid-February 2026), where Suze Orman brought in market veteran Keith “Fitzy” Fitzgerald to basically talk retail investors off the ledge. And honestly? It’s exactly the kind of unvarnished, slightly aggressive financial triage we desperately need.
There's a massive disconnect happening. Institutional algorithms are tossing around trillions of dollars, creating these violent price swings that have absolutely zero to do with a company’s actual fundamental value. It's a liquidity shift. Not the apocalypse.
Here is the real signal hiding in the noise of this episode.
The Dollar Cost Averaging Delusion
I found this part fascinating because almost everyone gets it wrong. Ask the average person on the street what Dollar Cost Averaging (DCA) is, and they'll say "buying the dip."
Not quite. Fitzy completely reframed this.
DCA isn't about being a bargain hunter; it's about robotic, unemotional consistency. It's buying on the first Monday of the month whether the market is up 10% or bleeding out.
- Embrace the nausea: If you stop buying when prices drop because you're scared, you entirely defeat the mathematical advantage of the strategy.
- Buy the rips, too: Yes, you keep averaging in even when the stock is hitting all-time highs.
- The garden rule: Run out of cash to invest? That’s what trimming is for. Take profits from the bloated stuff to feed your foundational stocks.
The Backdoor AI Play (Forget Nuclear)
Every podcaster alive is screaming about AI infrastructure right now. The usual narrative is that data centers will eat the grid, so we all need to invest in nuclear energy.
Fitzy threw cold water on that pretty fast. Nuclear has a massive "not in my backyard" problem. Permitting takes a lifetime. His actual play for the AI energy boom? Conventional natural gas.
Specifically, companies like Chevron. They pay a dividend, they have solid management, and the big Mag 7 tech companies are all quietly looking at natural gas to fuel their incremental data center demands right now. It's a boring play for a futuristic problem, which usually means it's a profitable one.
The Michael Burry Beef & "Forever Stocks"
Things got surprisingly heated when a listener asked about Palantir and IonQ. Fitzy was practically steaming through the microphone.
He essentially accused the famous Big Short investor, Michael Burry, of comparing apples to oranges and heavily implied some "funny business" in how those stocks are being manipulated lower.
Fitzy’s core argument is that companies fundamentally rewiring humanity (he explicitly named Tesla and Palantir) are going to be hyper-volatile by nature. Controversy creates opportunity. He called them "forever stocks." I mean, holding a stock for your unborn grandchildren is a bold claim, but it forces you to zoom out from the daily ticker panic.
The Golden Nugget "The risk is not losing your job to AI. It's losing your job to somebody who knows how to use AI. It's an opportunity, it's a tool... learn how to use it." — Keith Fitzgerald
A Quick Reality Check on Gold and Real Estate
I actually laughed out loud when Suze called the idea of a real estate apocalypse "the stupidest thing I've ever heard." She and Fitzy didn't recently dump their properties because they foresee a housing crash. They downsized because they got older and got sick of paying property taxes, dealing with Mother Nature, and managing illiquid assets. Relatable, honestly.
As for gold? Fitzy wouldn't touch it. His logic is brutal but sound: an ounce of gold nowadays has about eight to ten derivative claims on it. It’s highly leveraged, pays no dividend, has no management team, and relies entirely on the greater fool theory. Just buy a solid dividend-paying company instead.
The FITZ Drop
Right at the end, after two years of hinting, Fitzy finally dropped the news. He’s filed with the SEC for a new portfolio ETF. The ticker? FITZ.
He couldn’t legally say much else, but if his philosophy of heavily concentrated, high-conviction tech plays layered over a solid foundation is any indicator, it's going to be a fascinating fund to dissect once the SEC clears it.
Stay sane out there. Keep buying the grocery store items while they're on sale.
Listen to Suze Orman's Women & Money (And Everyone Smart Enough To Listen): https://podranker.com/podcast/suze-ormans-women-money