Quotes By Suze Orman

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

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

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

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.

Get rid of debt now.

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

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.

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.

Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'

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

It pays to be a fee fiend.

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.

I always say, 'People first, then money, then things.'

I think they've been baby bummers.

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

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.

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.

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.

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

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

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.

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

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

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

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.

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

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

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.

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.

Never invest emergency savings in the stock market.