Quotes from Suze Orman

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

The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.

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.

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.

you have less than $100,000 in a Roth IRA:

You can't rewrite history, undo the past, or predict the future.

The only way to conquer fear is through action.

Money you spend today is money that will not be able to grow and help you reach your most important future goals

If you cannot pick yourself up, if you cannot start taking action right now, then who is going to do it for you?

Making smart choices in your 50s and 60s will give you the gift of not having to worry about finances in your 70s, 80s, and 90s.

You have the power to make the right and honest decisions about how you handle your money.

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

Women don't say what they think, and they don't do what they feel.

you will not owe any withdrawal penalties.

If you do not need to live off your pension and you want to leave this money to your heirs, you would be better off taking the lump sum and doing a rollover rather than opting for the annuity payment.

Before you start to save one penny for a child's future college costs, I insist that you have the following financial priorities taken care of: You do not have credit card debt. You have an eight-month emergency savings fund. You have a term life insurance policy. You are saving for retirement; aiming to set aside 15% of your gross salary. Until all of that is in place you are not to think about saving for college.

Many of you have heard me say this repeatedly over the years: There is financial aid for college. There are loans for college. But there is no aid or loans to help you in retirement. There is no aid if you run into a rough patch and you do not have sufficient funds in an emergency savings account to navigate your way out of trouble.

must double down on making yourself an absolutely essential piece of your firm's success. That should be your goal at any time, but in these times of economic stress it is imperative. It is how you keep moving forward in a very competitive job market.

Once you have a trust, you must decide what assets to put inside the trust. This is called funding the trust, and it requires changing the title of ownership of that asset to the trust. Common assets that you will want to consider owning inside the trust include any real estate you own, and bank and investment accounts that are not retirement accounts.

by the time your child is a senior in high school you will want to have the bulk of your account in conservative investments; it is too risky to have your money invested in stocks when you know you will need that money in one to five years.

There are no loans for retirement.

Owning a home is a keystone of wealth…both financial affluence and emotional security

Those are just examples; my advice is to search for the lowest-cost Treasury options at whatever brokerage you have your money with. Just remember: With a mutual fund you never should pay any sales commission, called a load. And check whether your brokerage offers Treasury ETFs that you can buy and sell without paying a sales commission.

If you want to own individual stocks your portfolio should have a minimum of 10 to 12 stocks. It is never smart to have a larger portion of your retirement funds invested in one stock. No matter how stable that stock looks, we can never be sure of its future. If the money you want to devote to stocks is not enough to buy that many individual shares, then I recommend you focus on dividend-paying ETFs.