Suze Orman

“The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.”

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

“Here's my gift-giving rule: Respect your current financial situation.”

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

“I want to be clear here: It does not matter what you say in your will or trust; the beneficiary document attached to your IRA accounts and your life insurance policy overrides what you say elsewhere. If you want to change the beneficiary, you must change the beneficiary document.”

“Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand.”

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

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

“Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks.”

“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.”

“Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think.”

“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.”

“People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.”

“So many financial dreams are thwarted by the failure to act upon good intentions.”

“Owning a home is a keystone of wealth - both financial affluence and emotional security.”

“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.”