Guess quote

Suze Orman [1951-0] American

Rank: 101
Author

Susan Lynn "Suze" Orman is an American author, financial advisor, motivational speaker, and television host. Orman was born in Chicago and pursued a degree in social work. She worked as a financial advisor for Merrill Lynch.

Money, Courage, Finance, Trust, Dreams, Car, Happiness, Home, Life, Love, Amazing, Diet, Education, Failure, Fitness, Freedom, Future, Great, Parenting, Relationship, Respect, Success, Teacher, Thankful, Time, Truth, Wedding

Quote	Tags	Rank
When you are grateful - when you can see what you have - you unlock blessings to flow in your life.	Life, Thankful	101
A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.	Finance, Freedom, Life	102
The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.	Finance	103
Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.	Money	104
The way to build your savings is by spending less each month.		105
True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share.	Love, Time	106
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.	Truth	107
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.	Great, Love, Money	108
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.		109
If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.		110
People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.	Diet	111
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.		112
The key to making money is to stay invested.	Money	113
People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well.		114
Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.		115
Recast your current problems into proactive goals.		116
It's impossible to map out a route to your destination if you don't know where you're starting from.		117
No one's ever achieved financial fitness with a January resolution that's abandoned by February.	Fitness, Money	118
I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years.	Money	119
Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks.	Finance, Future, Money	120
You must trust yourself more than you trust others. Pay attention to your inner voice - it will tell you if how and in what you are investing is right for you.	Trust	121
A revocable living trust allows your heirs to avoid probate entirely and keeps you in complete control of your finances while you're alive. You can always make changes to what's in the trust and to how you'd ultimately like it managed or disbursed.	Trust	122
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.	Trust	123
I want to conquer the unknown. I really, really want to live on the water and captain my own boat. I have dreamed of going around the world on a boat.		124
Owning a home is a keystone of wealth - both financial affluence and emotional security.	Home	125
Many people are in the dark when it comes to money, and I'm going to turn on the lights.	Money	126
There is nothing more beautiful than a confident woman.		201
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.	Happiness	202
When someone chooses to value herself over the things she can buy, true transformation begins.		203
We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts.		204
Yes, your kids should go to school. No, you shouldn't bankroll their degree whatever the cost. You've spent your life creating a sound financial plan; don't upend it by suspending your retirement savings or taking out a home equity line of credit to pay for a pricey college.	Home	205
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	206
Cash - in savings accounts, short-term CDs or money market deposits - is great for an emergency fund. But to fulfill a long-term investment goal like funding your retirement, consider buying stocks. The more distant your financial target, the longer inflation will gnaw at the purchasing power of your money.	Money	207
Success is not how many zeroes your bank account has. It's about making the most of the life you have.	Success	208
A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace.	Courage, Happiness	209
So many financial dreams are thwarted by the failure to act upon good intentions.	Dreams, Failure	210
If you're going down the street and you're going the wrong way, remember - God permits U-turns.		211
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.		212
There is no law saying you have to die before your assets can be passed to loved ones. In fact, gifting earlier can be a lovely way to witness how your money helps your family thrive.		213
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.		214
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.		215
Every time you overhear something hurtful, I want you to do something kind for someone else.		216
Don't let what others think or say get in your way; their actions reflect on them, not you.		217
The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts.	Money	218
For seven years after college, I was a waitress at the Buttercup Bakery in Berkeley, and from there I got a job at Merrill Lynch as an account executive, from where I went to vice president of investments for Prudential-Bache Securities. I started my own firm in 1987.		219
In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm.	Courage	220
Opposites may attract, but I wouldn't put my money on a relationship of financial opposites.	Relationship	221
We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education.	Education	222
Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless.	Amazing, Teacher	223
Private student loans should be avoided at all costs.		224
Never invest emergency savings in the stock market.		225
If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.		226
To enjoy a long, comfortable retirement, save more today.		301
It's easy to underestimate the real cost of home ownership.		302
Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals.		303
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.		304
The American dream is dead for the majority of America.		305
Anything that gets people to think harder about their financial security and take some responsibility is a good thing.		306
When it comes to tackling your financial goals, whatever they might be, there's no time like the present.		307
I have a million dollars in the stock market, because if I lose a million dollars, I don't personally care.		308
The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.	Car	309
To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell.		310
The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.		311
Put your financial life on autopilot as a form of 'forced' saving.		312
I love the Roth IRA. Tax-free income in retirement is a truly great deal.		313
Thoughtful financial planning can easily take a backseat to daily life.		314
Here's my gift-giving rule: Respect your current financial situation.	Finance, Respect	315
Credit unions are often a better deal than banks and tend to pay higher yields on deposits.		316
Money you know you need or want to spend in the next few years is savings. Money you keep handy for an emergency belongs in savings. Money you hope to use soon for a down payment on a house belongs in savings. And all savings belong in a low-risk bank savings account or money market account.		317
If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.		318
Understand and accept the cycles of money. The setbacks you may have today or next year will not keep you from financial freedom. If you hold on to your goals and dreams, you will get there.	Dreams	319
In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.'		320
It may take you months or even a few years to build up an adequate emergency savings fund. That's okay.		321
Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think.		322
I want to be clear here: It does not matter what you say in your will or trust; the beneficiary document attached to your IRA accounts and your life insurance policy overrides what you say elsewhere. If you want to change the beneficiary, you must change the beneficiary document.	Trust	323
The prenup needs to be drawn up months before the wedding, not days - it's not something you slap together and sign in the car on the way to the ceremony. A shotgun prenup might not hold up in court.	Car, Wedding	324
Opt for a fixed-rate rather than an adjustable-rate mortgage.		325
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.		326
Pay off your mortgage before retirement, and that's one less bill you'll have to worry about when you're on a fixed income.		401
They got married, they got divorced, and half their money goes out the window.		402
When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do.		403
I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love.		404
I am a big believer that orderliness begets wealth.		405
For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk.		406
Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing.		407
If you're financially responsible, your children have a much better chance to grow up financially responsible.	Parenting	408
Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.		409
Ignore the annual percentage rate when shopping for a mortgage.		410
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.	Dreams	411
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.		412
It pays to be a fee fiend.		413
If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall.		414
Find $50 a month for savings. No excuses!		415
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.		416
A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more.		417
Your credit score affects the interest rates you're offered on credit cards and loans, can be used to vet your job application, and in some states may influence your insurance premiums.		418
The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. The first, and most difficult, step is to absolve yourself and your spouse or partner of any guilt.		419
If there is anyone dependent on your income - parents, children, relatives - you need life insurance.		420
I'm a big advocate of a work-for-pay setup rather than an allowance that isn't attached to chores - it's a great way to impart the value of money to your children.		421
Credit card issuers and HELOC lenders are like fair-weather friends: They cozy up to you in good times, but when the economy heads south, they abandon you faster than Usain Bolt runs the 100 meters.		422
Time is key to building your financial security.		423
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.		424
Sometimes poverty is the greatest gift you can ever be given. Sometimes loss is the key that leads you to gain.		425
People first, then money, then things.		426
We women know how to take care of everybody so well. But the one person we have written out of the equation is us.		501
Never, ever invest money that you will need prior to three to five years - minimum.		502
Just because you can afford it doesn't mean you should buy it.		503
I always say, 'People first, then money, then things.'		504
The world does not need another credit card.		505
A wise woman knows how to summon her courage and do what is right, rather than what is easy.	Courage	506
Get rid of debt now.		507
Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account.		508
Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have?		509
Give to yourself as much as you give of yourself! This means you have to put yourself first.		510
Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.		511
I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months.		512
Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy.		513
Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'		514
Make this the year you tackle that credit card debt once and for all.		515
The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.		516
If you're not staying on top of your money, you are putting your financial well-being at risk.		517
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.		518
Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up.		519
Structured settlements are a common way for people who have been injured to receive an insurance payout. The periodic payments provide ongoing income and reduce the risk of blowing a lump sum through poor financial choices.		520
Raise your auto and home deductibles to $1,000 or more, and your premium cost falls at least 10 percent.		521
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.		522
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.		523
Learn to recognize true wealth. Money itself will not make you financially free. That comes as a result of only that powerful state of mind which tells us that we are worth far more than our money.		524
Financial advice needs to change according to what is happening in the economy.		525
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.		526
The middle class has disappeared. We have a highway to poverty and no roads coming out.		601
Sometimes your mind lets you do things with your money that make no sense.		602
You have got to be the masters of your own financial future.		603
The less you have to think about how to spend every dollar, the more likely you are to spend wisely.		604
While a reverse mortgage can indeed be a viable way to generate income, it is very important to understand that after you take out a reverse mortgage, you will still be responsible for paying the property tax, the insurance premium, and all the maintenance costs for your home.		605
A reverse mortgage is available to anyone who is at least 62 years old and owns a home outright, or has a small mortgage balance remaining.		606
Remember what I always say: people first, then money, then things.		607
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.		608
One journalist estimated my liquid net worth at $25 million. That's pretty close. My houses are worth another $7 million.		609
Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand.	Courage	610
Happiness is not a luxury. It is a necessity. When we are happy, we are in the best possible place to be good to ourselves and those we love.		611
Not everything is about money.		612
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.		613
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.		614
You should keep a copy of your tax return indefinitely, but you need to save supporting documents for only three years.		615
I think they've been baby bummers.		616
If you have debt I'm willing to bet that general clutter is a problem for you too.		617
Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.		618
If you're going to live in the house make it your goal to just pay off your mortgage.		619
Focus on what you have.		620
Who would you want to be giving you advice? Somebody who doesn't have any money?		621
The world needs another vehicle to get people to pay in cash.		622
Cut back your spending now.		623
In order to create lasting security you must learn to stand in your truth.		624
I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.		625
Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.		626
The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance.		701
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.		702
The last thing family and friends want is for you to spend money on them that you don't have or that you can't really spare.		703
What I've learned is that the audience is constantly rotating. Just because it feels like I've said it, there are millions and millions of people that have still never heard of it.		704
If you make any trades during the year, keep a record of each transaction for at least three years.		705
Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe.		706
I get mad when people give me presents. I don't want them, I don't need them.		707
It's not what you make, but how you feel about what you make and what you spend.		708
My greatest pleasure is still flying private. I spend between $300,000 to $500,000, depending on my year, on flying private.		709
I always knew that I would have to make it on my own somehow.		710
I want to work with the Philippine people and make life better there; there are systems I can work with.		711

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