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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?

-Suze Orman

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You're Thinking To Yourself,

Suze Orman

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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?

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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.

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

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

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.

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.

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

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

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.

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

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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.

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

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

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

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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.

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

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

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

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

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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?

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

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.

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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.

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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.

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.

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.

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.

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

You Can't Build A Foundation On Lies.

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

Life Insurance Policy

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

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

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

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

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.

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.

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.

Each Cent You Apply Toward Diminishing Your Debt Replenishes You.

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

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.

What Happens To Your Money Directly Affects The Quality Of Your Life -- Not Your Stockbroker's Life Or Your Banker's Life, But Your Life.

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

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

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

Money Will Respond To You Just Like People Do.

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

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.

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

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.

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

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

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.

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.

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

Find $50 A Month For Savings. No Excuses!

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

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

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.

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.

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

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.

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.

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

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.

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.

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

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

It Pays To Be A Fee Fiend.

Never Invest Emergency Savings In The Stock Market.

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

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

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.

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.

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.

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

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

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.

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

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.

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

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.

Abundance Is About Being Rich, With Or Without Money.

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.

Ignore The Annual Percentage Rate When Shopping For A Mortgage.

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

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

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.

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.

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

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.

Recast Your Current Problems Into Proactive Goals.

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

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

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

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.

... 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.

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.

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.

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

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.

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

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

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.

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.

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