Top 99 Suze Orman Quotes

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

Give to yourself as much as you give of yourself! This means you have to put yourself first.

I always say, ‘People first, then money, then things.’

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.

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.

Get rid of debt now.

Never cosign a loan. Once you have cosigned, you cannot get out of it – even on your deathbed.

Thoughtful financial planning can easily take a backseat to daily life.

The world does not need another credit card.

Remember what I always say: people first, then money, then things.

It pays to be a fee fiend.

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.

When it comes to tackling your financial goals, whatever they might be, there’s no time like the present.

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.

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.

I am a big believer that orderliness begets wealth.

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.

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.

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.

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.

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.

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.

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.

People have got to learn: if they don’t have cookies in the cookie jar, they can’t eat cookies.

Find $50 a month for savings. No excuses!

Never invest emergency savings in the stock market.

My greatest pleasure is still flying private. I spend between $300,000 to $500,000, depending on my year, on flying private.

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.

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.

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.

The world needs another vehicle to get people to pay in cash.

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.

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.

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.

One journalist estimated my liquid net worth at $25 million. That’s pretty close. My houses are worth another $7 million.

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.

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

Financial advice needs to change according to what is happening in the economy.

Who would you want to be giving you advice? Somebody who doesn’t have any money?

Opposites may attract, but I wouldn’t put my money on a relationship of financial opposites.

No one’s ever achieved financial fitness with a January resolution that’s abandoned by February.

Sometimes poverty is the greatest gift you can ever be given. Sometimes loss is the key that leads you to gain.

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.

The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.

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.

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 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.

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.

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

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.

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.

A wise woman knows how to summon her courage and do what is right, rather than what is easy.

If you make any trades during the year, keep a record of each transaction for at least three years.

If there is anyone dependent on your income – parents, children, relatives – you need life insurance.

The American dream is dead for the majority of America.

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.

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.

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

If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.

Credit unions are often a better deal than banks and tend to pay higher yields on deposits.

It may take you months or even a few years to build up an adequate emergency savings fund. That’s okay.

Once your kids are grown and you know that you’re completely healthy, consider canceling your life insurance policy.

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

Focus on what you have.

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 is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless.

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

Opt for a fixed-rate rather than an adjustable-rate mortgage.

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

It’s not what you make, but how you feel about what you make and what you spend.

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

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.