Suze Orman Quotes

Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand.

Financial freedom is our birthright, rather than the "slave walk" of the Monday through Friday grind.

Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.

The middle class has disappeared. We have a highway to poverty and no roads coming out.

As our net worth falls, so does our self-worth. Ironically, it's when we don't have it that we most feel we have to flaunt it ...

You can't build a future if you do not know who you are. You can't become who you are meant to be if you can't tell the truth about who you are, what you have, and everything about your life. The truth is the absolute essence to your success, while lies are the absolute essence to your failures.

It pays to be a fee fiend.

Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.

They got married, they got divorced, and half their money goes out the window.

The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.

You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams.

Anything that gets people to think harder about their financial security and take some responsibility is a good thing.

The dream of having one's dream job turned into "Oh my God, I'll take any job. I've been out of work for two years now. I don't care what I do. I'll do anything because I don't have any money".

I am a big believer that orderliness begets wealth. A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out. When you consciously open, read, and file away your bills and statements, you are connecting with your money and taking control of your life.

Stop saying yes out of fear about what others will think about you and say NO out of love for yourself!

Grace is above praise and blame. I never read the bad stuff people write, but I never read the good stuff, either. Ever. I know who I am, and I know that God looks down on me and smiles. I know that - without a shadow of a doubt.

I am a financial planner, not a psychiatrist, but I do know that your net worth will rise to meet your self-worth only if your self-worth rises to accept what can be yours.

I have come to think that money is very much like a person, and it will respond when you treat it as you would a cherished friend - never fearing it, pushing it away, pretending it doesn't exist, or turning away from its needs, never clutching it so hard that it hurts ... if you tend it like the living entity it is, then it will flourish, grow, take care of you for as long as you need it ...

I think they've been baby bummers.

If you have a 50 percent match and you get in trouble financially, you can either withdraw money as a loan, or withdraw the 50 percent match. If you take it out, you have to pay taxes on it, but you still come out ahead.

So many financial dreams are thwarted by the failure to act upon good intentions.

When you've been battered down and battered down and battered down, your spirit gets broken.

Owning a home is a keystone of wealth - both financial affluence and emotional security.

Absolutely invest in retirement. You can always get a loan to get kids through school. I do not know of any loans to get you through retirement. The markets are seriously low from where they were (even though they've gone up 30 percent recently). Now is the time to be dollar cost averaging; the more money you put in, the more shares you buy. Save for your retirement, people.

Women fake orgasms and men fake finances.

I get more inspired by seeing everyday people succeed against the odds than anything else in life.

Every time you overhear something hurtful, I want you to do something kind for someone else.

I want to see a new system. I believe that the credit scoring system is broken. That's my belief.

You will never be powerful in life until you are powerful over your own money. How you think about it, how you feel about it and how you invest it.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

Give a portion of your money to others. By releasing an anxious grasp on your money, you will open yourself to receive all that is meant to be yours.

Messages about money are passed down from generation to generation, worn and chipped like the family dishes.

You can have all the money in the world. You can be a multi-billionaire, but if you do not have your health it means nothing. Your health is the No. 1 important thing in your life.

I have a million dollars in the stock market, because if I lose a million dollars, I don't personally care.

Show respect for your money ... Then your money will think and care about you in return.

It wasn't until I stood in my truth and told everybody that I had $250,000 in credit card debt. At that point, everything turned around for me. I had to reveal the truth about what I didn't have, more than pretend about what I did. That was interesting.

You want your diversified stock portfolio to include stocks from different industries, large companies, small companies, companies here in the United States, foreign companies, new companies, and old companies.

But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.

Nothing's greater in life to see somebody who doesn't have start to value who they are and, as soon as they feel valued, they can change this world too.

I'm probably the only bestselling author you know who's written more books than she's read.

Bad debt is sacrificing your future day needs for your present day desires.

You should keep a copy of your tax return indefinitely, but you need to save supporting documents for only three years.

I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money.

Oprah deserves the best. I am not the best when it comes to divorce. What do I know about divorce? Nothing at that time.

Never invest emergency savings in the stock market.

Success is not how many zeroes your bank account has. It's about making the most of the life you have.

If you're not staying on top of your money, you are putting your financial well-being at risk.

You have got to be the masters of your own financial future.

At the end of your life, you cannot take a penny with you. So what is the object of money if you can't take it with you?

Many people are in the dark when it comes to money, and I'm going to turn on the lights.

I wanted to give people the ability once again to realize that they can still dream, but it has to be a new American dream that's based in honesty, integrity, and security - a dream that allows you to sleep at night, a dream that is attainable and allows you to stand in your truth.

If you wait to see how much money you have left at the end of the month to put toward savings, the answer may be zero. So, set up an automated monthly transfer from your checking to savings account. Once you lock into that commitment, you'll be forced to scale back spending to make ends meet.

Money is kind of just like air - if you don't have air, you can't breathe. If you don't have money, I don't think you'll want to breathe - you won't want to live.

I think Oprah's [winfrey] learned from me that it's OK to be harsh on people because in one's harshness you can see transformation happen right before your very eyes.

Focus on what you have.

If you can't afford the upkeep of your home, it makes no sense to do a reverse mortgage. You will just end up having to sell eventually when you realize you can't afford the home, and whether you have any equity left after the sale depends on the size of the reverse loan that must be settled.

Women need to turn their attention from saving their spouse, their mothers, their this, their that, their kids, to putting that financial oxygen mask on their face first. When they're solid, they can pick up the whole world.

I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance.

Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account.

The world of money, of numbers and stock markets and interest rates and credit cards, seems on the surface about as far as it could be from the world of spirituality, of seeking meaningful answers to the big questions of life ... But these two worlds must flow in and out of each other, because it takes both money and spiritual understanding to sustain it. Truly speaking, what determines where our money with its awesome power will go, and what it will do for ourselves and others? If we listen, those answers come from the center of our being, from who we really are.

If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.

If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options.

I want to work with the Philippine people and make life better there; there are systems I can work with.

Find $50 a month for savings. No excuses!

Every portfolio benefits from bonds; they provide a cushion when the stock market hits a rough patch. But avoiding stocks completely could mean your investment won't grow any faster than the rate of inflation.

Put your financial life on autopilot as a form of 'forced' saving.

It's easy to underestimate the real cost of home ownership.

You must remember the value that you add to others and not just what others have added to you. That's how we build self-worth, which, in my opinion, is just as important as net worth.

Choosing wealth as a goal requires facing everything about your money bravely, honestly, with courage
which is a very, very hard thing for most of us to do.

The new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a student loan responsibly if you're doing it yourself after you have a job? That dictates the amount of money you can borrow. That dictates the school you can go to, if you can even go to a four-year college at all.

When you lose something in your life, stop thinking it's a loss for you ... it is a gift you have been given so you can get on the right path to where you are meant to go, not to where you think you should have gone.

No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.

It's impossible to map out a route to your destination if you don't know where you're starting from.

With success comes unhelpful criticism - ignore it.

It's fine to seek professional help, but I urge everyone - no matter how big their portfolio - to truly understand every suggestion they're given before acting.

Abundance is about being rich, with or without money.

When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life.

If the boss is a jerk, get over it. First of all, don't you think there's a good chance that your boss's boss knows what's going on? If so, just keep your head down and do the work. Usually, if you put in maximum effort and produce excellent results, someone in the company is going to take notice. Either you will get promoted or your jerky boss will get the heave-ho. It happens all the time.

To enjoy a long, comfortable retirement, save more today.

Money doesn't bring courage, I learned. It's the other way around. Once I took that lesson to heart, I began to rebuild my life.

If you pay off your mortgage before retirement, you take a huge financial load off your shoulders. You also become eligible to take out a reverse mortgage once you turn 62.

Just because you can afford it doesn't mean you should buy it.

I love the Roth IRA. Tax-free income in retirement is a truly great deal.

We each focus on what we're going to buy, but that's an incorrect focus. Focus instead on why you want to spend the money on this or that. What feeling in you does it satisfy?

You're thinking to yourself, 'How is it possible that I am going to pay back $150,000 in student loans? I'm never going to pay that back. What am I going to do?' Listen to me and listen to me good, class of 2013. I want you to think back to all of these things you said to yourself, 'I can't do that. I can't palpate a cow. And what's worse, palpating a cow or taking semen from a horse?' But you did it, didn't you?

building a great career for yourself rather than settling for a job that does nothing for you but pay the bills

When you undervalue who you are, the world will undervalue what you do and vice versa.

I grew up thinking that because I couldn't read, I was stupid and would never amount to anything. I worked my way through college as a waitress and thought I wasn't capable of doing anything else. My grades in English were horrible, and I barely got through.

Prenups are so unromantic - a sign of distrust, not love. Time for a reality check, my friends. First, drawing up a prenuptial agreement together is a sign of incredible trust and financial openness - you're fooling yourself if you think you can achieve complete intimacy without it.

A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.

The way to build your savings is by spending less each month.

Ignore the annual percentage rate when shopping for a mortgage.

Even if you were to fall into extreme financial hardship and file for bankruptcy, you need to understand that your student loan debt will not be discharged in bankruptcy. It is the Velcro of all debts.

I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded.

If you're financially responsible, your children have a much better chance to grow up financially responsible.

The mind gives us thousands of ways to say no, but there's only one way to say yes, and that's from the heart.

What's keeping you from being rich? In most cases it's simply a lack of belief. In order to become rich, you must believe you can do it, and you must take the actions necessary to achieve your goal.

Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have?

When it comes to money, if you have it, you may feel that you don't deserve it - guilt. If you don't have it, you may feel that you should have it - guilt.

Money is a topic that touches all races, all religions, all sexes, all ages, all tax brackets. It's a universal language that truly has been held up to us in society as a thing that determines whether we are successful, worthy, whether we have contributed something to life or not.