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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.

-Suze Orman

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In January We Start

Suze Orman

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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.

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You Must Trust Yourself More Than You Trust Anyone Else With Your Money.

The Less Money You Owe, The Less Income You'll Need And The Less You'll Have To Save For Tomorrow.

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.

Messages About Money Are Passed Down From Generation To Generation, Worn And Chipped Like The Family Dishes.

Opt For A Fixed-rate Rather Than An Adjustable-rate Mortgage.

Money Is The Currency Of Life Because It Is The External Measurement System That All Of Us Have As To How We Judge Where We Are In Our Own Lives.

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.

When You Understand That Your Self-worth Is Not Determined By Your Net-worth, Then You'll Have Financial Freedom

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?

Put Your Financial Life On Autopilot As A Form Of 'forced' Saving.

Money Is A Living Entity, And It Responds To Energy Exactly The Same Way You Do. It Is Drawn To Those Who Welcome It, Those Who Respect It. Wouldn't You Rather Be With People Who Respect You And Who Don't Want You To Be Something You're Not? Your Money Feels The Same Way.

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.

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.

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.

If The Relationship Between You And Your Money Is Harmonious, Regardless Of How Much You Have, Your Financial Transactions Will Be Harmonious As Well.

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.

Success Is Not How Many Zeroes Your Bank Account Has. It's About Making The Most Of The Life You Have.

One Has To Ask What Is The Goal Of Life? What Is The Goal Of Life? My Interpretation Of It For Myself, A Very Wise Teacher Once Taught Me This, Is To Meet The Needs Of The People, Places And The Times Around You And Offering Those Services To God.

Don't Let What Others Think Or Say Get In Your Way; Their Actions Reflect On Them, Not You.

In Order To Live A Rich Life, Everything About Who You Are Must Be One, In Alignment, And In Pure Harmony.

How You End Something As Profound And Important As A Marriage Is A Reflection Of How You Live Your Life--financially, Emotionally, And Spiritually.

Private Student Loans Should Be Avoided At All Costs.

The Key To Making Money Is To Stay Invested.

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 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.

Stop Buying Things You Don't Need, To Impress People You Don't Even Like.

When You Can Be Happy In Your Sadness As You Are In Your Happiness. Then You Know The Key To Life.

Although Money Alone Won't Make Us Happy, The Lack Of Money Surely Will Make Us Miserable.

I Have A Million Dollars In The Stock Market, Because If I Lose A Million Dollars, I Don't Personally Care.

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.

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.

Money Is The Only Thing You Can Use Even If You Don't Have Any. ... There's Always A Credit Card.

Abundance Is In Crucial Ways A State Of Mind.

The Happiest Moment Of My Life Happens Once A Day.

Owning A Home Is A Keystone Of Wealth - Both Financial Affluence And Emotional Security.

Women Fake Orgasms And Men Fake Finances.

They Got Married, They Got Divorced, And Half Their Money Goes Out The Window.

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.

I Answered Her Spiritually. And That Is Where Oprah [winfrey]comes From. She Comes From A Place Of The Truth Within Her. And I Think That's Why We Clicked. And I Think That's Why We Still Continue To Click.

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?

If You're Not Staying On Top Of Your Money, You Are Putting Your Financial Well-being At Risk.

Money Will Respond To You Just Like People Do.

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.

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.

Men And Women Both Have An Equal Capacity To Make Money, But They Want Money For Different Reasons. Men Want Money For Power And Women Want It For Comfort, And Usually Not Their Own Comfort, But The Comfort Of Others In Their Lives.

A Wise Woman Knows How To Summon Her Courage And Do What Is Right, Rather Than What Is Easy.

With Success Comes Unhelpful Criticism - Ignore It.

In Order To Create Lasting Security You Must Learn To Stand In Your Truth.

You'd Better Have Faith That Everything Happens For The Best. Nothing Happens In Your Life That Isn't Something That You Are Meant To Learn To Get You Where You Need To Go So You Can Become Who You Are Meant To Be. And That Meant-to-be Might Be Someone You Don't Even Know Exists At This Moment In Time.

Power Comes From Who You Are, Not What You Have, And The Transformation Starts With How You Allow Others To Treat You.

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.

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.

We Need To Give People More Of An Incentive To Work, To Save, To Invest, To Create A True Future For Themselves.

True Generosity Must Benefit Both Parties. No Woman Can Control Her Destiny If She Doesn't Give To Herself As Much As She Gives Of Herself.

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.

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.

Never Invest Emergency Savings In The Stock Market.

I Look Around And There Are Needs That People Have. Places Have Needs. These Times Have Needs, And I Have The Education And The Ability To Communicate With It And Help To Solve Those Needs.

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.

Once Your Kids Are Grown And You Know That You're Completely Healthy, Consider Canceling Your Life Insurance Policy.

Life Insurance Policy

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.

To Enjoy A Long, Comfortable Retirement, Save More Today.

We Tend To Focus On Assets And Forget About Debts. Financial Security Requires Facing Up To The Big Picture: Assets Minus Debts.

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.

Remember To Remember Your Power - Everything You've Learned With These Steps To Financial Freedom - And Put It All Into Practice Everyday, Because In The Grand Scheme Of Life, You'll Never Really Know How Things Are Meant To Turn Out Until They Turn Out.

We Are All Powerless As Children, And Money Looms So Powerfully... We Don't Grow Up To Claim Our Financial Power Until We Look Money Directly In The Eye, Face Our Fears, And Claim That Power Back.

I'm In A Relationship With Life. My Life Is Just Out There. I'm On The Road Every Day. I Love My Life.

Who Would You Want To Be Giving You Advice? Somebody Who Doesn't Have Any Money?

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.

The Truth Is That You Are Nothing More Than The Custodian Of Your Inner And Outer Wealth While You Are On This Planet. All You Have To Decide Is What Kind Of Custodian Do You Want To Be? Do You Want To Be A Good Custodian Of Your Inner And Outer Wealth? Or A Bad Custodian?

Recast Your Current Problems Into Proactive Goals.

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.

We Women Know How To Take Care Of Everybody So Well. But The One Person We Have Written Out Of The Equation Is Us.

Late Payments Also Hurt Your Fico Score. And Never, Ever Take Out A Cash Advance On Your Credit Card.

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.

Make It A Priority To Have At Least Eight Months Of Living Costs Set Aside In A Federally Insured Bank Or Credit Union Account.

No Well-planned Retirement Should Be Without Long Term Care Insurance. It Is The Very Cornerstone Of Retirement Security.

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.

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.

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 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.

... Show Respect For Your Money ... Then Your Money Will Think And Care About You In Return.

If You're Going To Live In The House Make It Your Goal To Just Pay Off Your Mortgage.

There Is Nothing More Beautiful Than A Confident Woman.

Confident Woman

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.

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.

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.

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.

Cut Back Your Spending Now.

When You Are Starting Out In Your 20s, It Is Natural To Think About All That You Will Have And Do Once You Start Making Money, And Making More Money. That Gives Money Way Too Much Power Over Your Life. It's Not About How Much You Make, But The Life That You Make With The Money You Have.

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.

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.

When You've Been Battered Down And Battered Down And Battered Down, Your Spirit Gets Broken.

The Only Way You Will Ever Permanently Take Control Of Your Financial Life Is To Dig Deep And Fix The Root Problem.

Here's My Gift-giving Rule: Respect Your Current Financial Situation.

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 You Have Debt I'm Willing To Bet That General Clutter Is A Problem For You Too.

Just Because One Of You Earns The Paycheck Doesn't Mean That Person Should Lord Over How The Money Is Handled.

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.

No One's Ever Achieved Financial Fitness With A January Resolution That's Abandoned By February.

The World Does Not Need Another Credit Card.

Many Of The Good Things Would Never Have Happened If The Bad Events Hadn't Happened First.

Find $50 A Month For Savings. No Excuses!

I Love The Roth Ira. Tax-free Income In Retirement Is A Truly Great Deal.

Make This The Year You Tackle That Credit Card Debt Once And For All.

It Pays To Be A Fee Fiend.

It's Better To Do Nothing With Your Money Than Something You Don't Understand.

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.

To Make The Most Of Your Money, I Recommend Sticking With Mutual Funds That Don't Charge A Commission When You Buy Or Sell.

Each Cent You Apply Toward Diminishing Your Debt Replenishes You.

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.

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.

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 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.

It's Only When We Give To Ourselves As Passionately As We Give Of Ourselves That We Create The Life We Want And Deserve.

I Get More Inspired By Seeing Everyday People Succeed Against The Odds Than Anything Else In Life.

People's Feelings About Themselves Change When They Change The Way They Handle Their Money. Once They Begin Treating Their Money With Respect, Their Self-respect Shoots Up As Well.

People Have Got To Learn: If They Don't Have Cookies In The Cookie Jar, They Can't Eat Cookies.

Thoughtful Financial Planning Can Easily Take A Backseat To Daily Life.

Ignore The Annual Percentage Rate When Shopping For A Mortgage.

The Foundation Of A Financial Fresh Start Actually Has Nothing To Do With Money Or Specific Financial Dos And Don'ts.

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.

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.

Strings Attached

Abundance Is About Being Rich, With Or Without Money.

... True Financial Freedom Doesn't Depend On How Much Money You Have. Financial Freedom Is When You Have Power Over Your Fears And Anxieties Instead Of The Other Way Around.

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.

Be As Good To Yourself As You Are To Those You Love.

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.

People First, Then Money, Then Things.

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?

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.

The Truth Is Women In The Workplace Don't Have To Fight Nearly As Hard For Opportunities, Or To Dispel Stereotypes, As They Did Before.

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.

You Have To See Every Potential Roadblock As An Opportunity And A Benefit.

There's Nothing Wrong With Saying, "i Want To Have More," "i Want To Be More," "i Did This For Money."

I've Learned From Her [ Oprah Winfrey] Really How To Stand In One's Truth, How If You Just Simply Are Who You Are, You Know, You're Heavy, You're Thin, You're Happy, You're Sad - If You Just Speak Your Truth As It Comes Into Your Mind, Then That's What People Relate To.

Stop Saying Yes Out Of Fear About What Others Will Think About You And Say No Out Of Love For Yourself!

The World Needs Another Vehicle To Get People To Pay In Cash.

Time And Love Are The Most Valuable Possessions You Can Share.

The Things That Matter Most In This World Are Those That Carry No Price Tag, For They Can Neither Be Bought Nor Sold At Any Price.

It's Not Selfish To Give To Yourself As Much As You Give Of Yourself

When It Comes To Tackling Your Financial Goals, Whatever They Might Be, There's No Time Like The Present.

Financial Goals

When You Are Grateful - When You Can See What You Have - You Unlock Blessings To Flow In Your Life.

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.

Live Below Your Means But Within Your Needs.

You Can Never Solve A Financial Problem With Money. The Only Way For You To Have A Larger Net Worth Is For You To Go Within To See Why You Are Going Without.

Financial Problems

You Are To Set Your Own Value, Communicate That Value To The World, And Then Not Settle For Less. Sound Daunting? That's Just Because It Takes You Out Of Your Comfort Zone. You Have Got To Stop Being An Obstacle On Your Own Path To Wealth And Security And Happiness. You Must Understand That Valuing Yourself Is Well Within Your Control.

If You Make Time Each Month To Give Your Money Some Attention, You'll Start The Next Year In Fabulous Financial Shape.

Never Cosign A Loan. Once You Have Cosigned, You Cannot Get Out Of It - Even On Your Deathbed.

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.

Financial Goals

I'm Probably The Only Bestselling Author You Know Who's Written More Books Than She's Read.

I'd Rather Make 50 Percent Of Something Than 100 Percent Of Nothing.

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.

Try Handling Problems In The Office As Dispassionately As You Can And I Guarantee You Will Have A Better Time Of It; Not Least Because When You Bring Emotion Into The Conversation, You Furnish Your Colleagues With An Easy "out" For Dismissing You. If You Are Able To Strip Out The Emotion, However, People Have To Deal With You Based On The Facts.

There Isn't A Part Of Our Lives That Money Doesn't Touch - It Affects Our Relationships, The Way We Go About Our Everyday Activities, Our Ability To Make Dreams Reality, Everything.

When You Give, Give From The Place Of The Heart Because It Is The Right Thing To Do, Not The Easy Thing To Do.

I Think They've Been Baby Bummers.

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.

Every Time You Overhear Something Hurtful, I Want You To Do Something Kind For Someone Else.

If There Is Anyone Dependent On Your Income - Parents, Children, Relatives - You Need Life Insurance.

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.

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.

When Someone Chooses To Value Herself Over The Things She Can Buy, True Transformation Begins.

Spiritual Transformation

When You Start Really Respecting Yourself, Those You Love, And Your Money, The Result Is That You Start Having Control Over Your Money. What Follows From That Is Control Over Your Life.

Respect Yourself

Writing Is Hard Work, Not Magic. It Begins With Deciding Why You Are Writing And Whom You Are Writing For. What Is Your Intent? What Do You Want The Reader To Get Out Of It? What Do You Want To Get Out Of It. It's Also About Making A Serious Time Commitment And Getting The Project Done.

Rather Than Saying, 'my Checking Account Is A Wreck,' Change It To 'i Will Learn How To Track My Spending And Balance My Checkbook.'

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.

When You Undervalue Who You Are, The World Will Undervalue What You Do And Vice Versa.

The Way To Build Your Savings Is By Spending Less Each Month.

Absolutely Pay Off Your Credit Card Debt, Because A Child Can Always Get A Loan To Go To School, Possibly A Scholarship, A Grant.

The Truth Will Always Lead You To A Better Place And A Bigger Place. And Every Single Setback, Every Single One, Has Led Me - Not In My Time, But In The Time That It Was Meant To Happen - To A Place That I Never In A Million Years Could Have Imagined That I Could Go Or Become.

Meant To Happen

If You're Financially Responsible, Your Children Have A Much Better Chance To Grow Up Financially Responsible.

Learn How To Prioritize All Your Debt. And Did You Know Student Loan Debt Is The Most Dangerous Debt Any Of Us Can Have?

If You Expect Your Money To Take Care Of You, You Must Take Care Of Your Money.

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're Going Down The Street And You're Going The Wrong Way, Remember - God Permits U-turns.

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.

Remember That In Most Cases, Student Loan Debt Is Not Dischargeable In Bankruptcy. So You Continue To Pay It Off Anyway. Those Who Have Very Low Interest Rates (2-2.5 Percent) On Student Loans And Know Everything Is Secure, Great.

Whenever You're Confronted With A Tough Work Situation, Stop For A Second And Try To Honestly Answer This Question: Am I Approaching This Emotionally Or Am I Approaching This Professionally?

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.

Make Yourself Worthy Of Money And Money Will Make Itself Worthy Of You.

Money Is Such An Amazing Teacher: What You Choose To Do With Your Money Shows Whether You Are Truly Powerful Or Powerless.

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.

Never, Ever Invest Money That You Will Need Prior To Three To Five Years - Minimum.

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.

Just Because You Can Afford It Doesn't Mean You Should Buy It.

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.

Many People Are In The Dark When It Comes To Money, And I'm Going To Turn On The Lights.

It's Easy To Underestimate The Real Cost Of Home Ownership.

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.

I Get More Emails And Calls When It Comes To Money Than Probably Any Other Single Person On Television When It Comes To Money.

Financial Freedom Is Our Birthright, Rather Than The "slave Walk" Of The Monday Through Friday Grind.

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.

Family And Friends

Look Everywhere You Can To Cut A Little Bit From Your Expenses. It Will All Add Up To A Meaningful Sum.

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.

Telling The Truth

Cleanliness Is A State Of Purity, Clarity, And Precision

I Believe In God Big Time And I'm Proud To Say I Believe In God.

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.

So Many Financial Dreams Are Thwarted By The Failure To Act Upon Good Intentions.

Good Intentions

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