Best 182 quotes of Suze Orman on MyQuotes

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

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.

Absolutely pay off credit card debt. If you're not getting a match in your 401(k) and you've got credit card debt, you've got to get yourself out of credit card debt. When you get out of credit card debt, your credit score goes up and interest starts to go down.

Absolutely pay off your credit card debt, because a child can always get a loan to go to school, possibly a scholarship, a grant.

Abundance is about being rich, with or without money.

abundance is in crucial ways a state of mind.

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.

After you marry, every asset either of you acquires is jointly held. That's why you both need to be in sync on your long-term financial goals, from paying off the mortgage to putting away for retirement. Ideally, you should talk about all this before you wed. If you don't, you can end up deeply frustrated and financially spent.

A great teacher once taught me that you've got to have faith that everything happens for the best. I have had many setbacks in my career and every setback has led me that much further into my truth.

America has a broken spirit, that the people that are saying, "Please help me, please let me keep my home, please let me keep my car, please recognize me as a vital human being," they are falling on deaf ears.

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.

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.

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

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.

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

Believing you are worthy of love means that you believe I deserve to be treated well - with respect and dignity. I deserve to be cherished and adored by someone. I am worthy of an intimate and fulfilling relationship. I won't settle for less than I deserve. I will do whatever it takes to create that for myself.

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.

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.

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.

Cleanliness is a state of purity, clarity, and precision

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.

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.

Cut back your spending now.

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.

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.

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.

Every morning I wake up, I can't even wait to go and see what life can I change today. It doesn't have to be a lot of lives, but I can change one life a little bit here, a little bit there, and I hope that everything I create, people know that.

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

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

Find $50 a month for savings. No excuses!

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.

Here's what's interesting about women. When it comes to their babies, when it comes to their children, they become these financial warriors like I have never seen before. They will not turn their back on the battlefield.

How you end something as profound and important as a marriage is a reflection of how you live your life--financially, emotionally, and spiritually.

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 believe in God big time and I'm proud to say I believe in God.

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.

I don't care how far we've come with "women's liberation," with all these things. In a man's mind, he still needs to be the support of his family. He needs to hold up the world.

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

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.

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

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.

If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.

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.

If you have credit card debt and credit card companies continue to close down the cards, what are you going to do? What are you going to do if they raise your interest rates to 32 percent? That's five times higher than what your kid is going to pay in interest on a student loan. Get rid of your credit card debt.

If you have debt I'm willing to bet that general clutter is a problem for you too.

If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.

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.

If your company matches your 401(k) contribution, then no matter what, contribute to your 401(k) first. You put in a dollar, they put in 50 cents. It's an automatic 50 percent return on your money. You can't pass that up. I'd rather have the 50 percent than pay 32 percent interest on a credit card.

If you're going down the street and you're going the wrong way, remember - God permits U-turns.