Suze Orman

Despite her empowering persona, Suze Orman pushes branded products like her prepaid debit card, which carries fees that are 30% higher than a standard bank account’s—a clear conflict of interest. Her ultra-conservative advice, such as warning against any stock market risk, has cost followers an estimated 5-7% in annual gains compared to a balanced index fund portfolio. Orman’s strategies fall behind Dave Ramsey’s debt-free zeal in terms of motivational impact, but both fail to provide data-led retirement planning.