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" For seven years after college, I was a waitress at the Buttercup Bakery in Berkeley, and from there I got a job at Merrill Lynch as an account executive, from where I went to vice president of investments for Prudential-Bache Securities. I started my own firm in 1987. "

Suze Orman

Own

Started

College

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" Financial advice needs to change according to what is happening in the economy. "

" When it comes to tackling your financial goals, whatever they might be, there's no time like the present. "

" 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. "

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

Suze Orman

People

Eat

" It's impossible to map out a route to your destination if you don't know where you're starting from. "

" 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. "

" Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe. "

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

" Structured settlements are a common way for people who have been injured to receive an insurance payout. The periodic payments provide ongoing income and reduce the risk of blowing a lump sum through poor financial choices. "

" 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. "

" While a reverse mortgage can indeed be a viable way to generate income, it is very important to understand that after you take out a reverse mortgage, you will still be responsible for paying the property tax, the insurance premium, and all the maintenance costs for your home. "

" Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed. "

" 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. "

Suze Orman

Worst

Credit Card

" 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. "

" Get rid of debt now. "

" Put your financial life on autopilot as a form of 'forced' saving. "

" Remember what I always say: people first, then money, then things. "

" Prenups are so unromantic - a sign of distrust, not love. Time for a reality check, my friends. First, drawing up a prenuptial agreement together is a sign of incredible trust and financial openness - you're fooling yourself if you think you can achieve complete intimacy without it. "

" Sometimes poverty is the greatest gift you can ever be given. Sometimes loss is the key that leads you to gain. "

" Money you know you need or want to spend in the next few years is savings. Money you keep handy for an emergency belongs in savings. Money you hope to use soon for a down payment on a house belongs in savings. And all savings belong in a low-risk bank savings account or money market account. "

" Credit card issuers and HELOC lenders are like fair-weather friends: They cozy up to you in good times, but when the economy heads south, they abandon you faster than Usain Bolt runs the 100 meters. "

" If you're going to live in the house make it your goal to just pay off your mortgage. "

" You should keep a copy of your tax return indefinitely, but you need to save supporting documents for only three years. "

" Your credit score affects the interest rates you're offered on credit cards and loans, can be used to vet your job application, and in some states may influence your insurance premiums. "

" 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. "

" 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. "

" Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card. "

" When you are grateful - when you can see what you have - you unlock blessings to flow in your life. "

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

" 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. "