Suze Orman Sets Up Free Advice Stand

"He's a 16-year-old, vital man, almost" Orman said after the interview. "He should be helping mom. He should understand, OK, go to community college. Go to a college that you can afford. How much more can you expect, especially a single mother, to do?

"She's doing everything she can, just to provide him with clothes, food, a roof over his head, and try the best to save for her own future. So ... if you have the money, OK. Help your kids out. If you want. But if you don't have the money, you'd better start talking to your kids young enough so that they don't grow up to say, 'Mom, pay for me.'"

With education, home-buying and 401(k)s covered, Orman still had another big issue to cover:

What Should I Do With My Money Now?

Next up was a woman whose story gave Orman a chance to sound off on one of her major pet peeves. At age 62 and recently retired, the woman had a broker who had just made a questionable move with her money.

"So you actually had to come out in cash, to go back to an IRA rollover with the same broker and re-buy the same funds for a new commission. Is that what you are telling me?" Orman asked, her voice rising. Looking directly into "Nightline's" camera, she said: "You crooks. You crooks, you are crooks, do you hear me? You are crooks."

Orman explained her outburst later.

"An honest financial adviser would have said, You know what? Why don't you just leave your money in a 401(k)? You're already 62 years of age," she said.

"But, no, he made himself a quick $10,000 probably, or at least $10,000 worth of commission ... What was he thinking? Now she's lost money. Why would he have done that to her? Because he needed money to pay his mortgage, his car payment, his kid's tuition, his retirement. Shame on him. You wonder why I get upset?"

Next, Orman surprised the crowd with the answer to a question from Kristen, a 39-year-old dancer with $11,000 in credit-card debt and decreased bookings. Her question: pay off her credit card? Or save?

"So, here's the problem. The credit card industry has changed dramatically today," Orman said. "You pay off this $11,000 credit card debt, there is a fabulous chance that they will close down your credit cards altogether.

In a departure from her usual advice, Orman now recommends saving before paying. "Lot of controversy over this one," she said. "So you take every cent you can, you pay off your credit card debt, you pay off your debt -- they close you down. You can't charge on them anymore. ... What are you going to do?

"Answer: Save, in a saving, in an emergency fund, continue to pay the minimum on your credit card debt until you have enough of a cushion so that if they do close down your credit card, you don't have to worry."

It was an eye-opening day for the Money Lady and for those who spoke with her. For Orman, it was another chance to gauge the mood the country's in now, to see if people have taken in the lessons she's been trying to drill into millions of viewers for years.

"It tells me that people are getting more involved with their money," Orman said. "People are watching what they are spending money on. People don't want to be in debt anymore."

The advice and opinions of Ms. Orman are her own and not those of ABC News. People should consult their own investment advisers or conduct their own due diligence before making any investment or financial decisions.

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