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" I was in a high school where everybody was a click better off. "

Elizabeth Warren

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" Some economists estimate that for every family that goes bankrupt, there are about 15 more who are in the same amount of financial trouble and would profit from bankruptcy but just haven't filed. "

Elizabeth Warren

" People have hearts, they have kids, they get jobs, they get sick, they cry, they dance. They live, they love, and they die. And that matters. "

Elizabeth Warren

" Some of these biggest financial institutions are out there trading in commodities. They're buying oil tankers. This is not a financial system that has calmed down and is there to serve the American people. "

Elizabeth Warren

" You have two pages, that's the whole credit card agreement. The terms are clear and flat and easy to see so anyone can read them. So you could lay four credit cards in front of you and say, 'Oh, that's the one that has the highest rate, that's the one that has the really scary provision that could hurt me.' "

Elizabeth Warren

" We're Americans. We celebrate success. We just don't want the game to be rigged. "

Elizabeth Warren

" People who graduate are more resilient financially, and they weather economic downturns better than people who don't graduate. And, throughout their lives, people who graduate are more likely to be economically secure, more likely to be healthy, and more likely to live longer. Face it: A college degree puts a lot in your corner. "

Elizabeth Warren

" In the 1960s, a minimum wage job would keep a family of three afloat. "

Elizabeth Warren

" We cannot run a democracy without a strong middle class. "

Elizabeth Warren

" When people feel like, 'Lenders weren't fair with me; I don't have any responsibility to be fair with them.' If we go far enough down that line, much of the fabric of our economy starts to unravel. "

Elizabeth Warren

" It is not good not to have health insurance; that leaves the family very vulnerable. "

Elizabeth Warren

" We need a new model: If you can't explain it, you can't sell it. "

Elizabeth Warren

" Cops on the beat can stop problems before the damage spreads. "

Elizabeth Warren

" The word's out: I'm a woman, and I'm going to have trouble backing off on that. I am what I am. I'll go out and talk to people about what's happening to their families, and when I do that, I'm a mother. I'm a grandmother. "

Elizabeth Warren

" I'm not a Washington person. "

Elizabeth Warren

" We've seen filibusters to block judicial nominations, jobs bills, political transparency, ending Big Oil subsidies - you name it, there's been a filibuster. "

Elizabeth Warren

" Regulators all meet with Goldman Sachs executives and employees day after day after day. They don't see the people who get tricked, the people who get cheated, the people who get fooled by the products that Goldman turns out. "

Elizabeth Warren

" No matter how good a deal sounds, if your name goes on the bottom line, you need to understand it and be sure you'll be able to pay. You are responsible for yourself forever. Forever. "

Elizabeth Warren

" When I first started talking about running for office, a lot of people said to me, 'Don't let the consultants change you,' and I'd always assured them that I wouldn't allow it to happen. But like it or not, I had to change. Not because of a consultant, but because I started to understand the cost of a stupid mistake. "

Elizabeth Warren

" If the notion on this is we're going to elect somebody to the United States Senate so they can be the 100th least senior person in there and be polite, and somewhere in their fourth or fifth year do some bipartisan bill that nobody cares about, don't vote for me. "

Elizabeth Warren

" When giant companies wanted more tax loopholes, Washington got it done. When huge energy companies wanted to tear up our environment, Washington got it done. When enormous Wall Street banks wanted new regulatory loopholes, Washington got it done. No gridlock there! "

Elizabeth Warren

" There's a lot of talk coming from Citigroup about how Dodd-Frank isn't perfect. Let me say this to anyone who is listening at Citi: I agree with you. Dodd-Frank isn't perfect. It should have broken you into pieces. "

Elizabeth Warren

" If nobody can sell mortgage-backed securities based on trillions of dollars of unpayable instruments, there's a lot less risk in the overall system. "

Elizabeth Warren

" Citigroup has a lot of money, it spends a lot of money, and it uses that money to grow and consolidate power. And it pays off. "

Elizabeth Warren

" 'Middle class' used to be synonymous with secure, with steady, with boring, because middle-class people were people who were pretty much safe from the time they first started work on through retirement and until their deaths. No longer. "

Elizabeth Warren

" I'll work with anyone - and I really do mean that - Democrat, Republican, independent, Libertarian, contrarian, vegetarian. "

Elizabeth Warren

" I get heartfelt thanks from all kinds of people. Today I heard from a waitress in Georgia who has lost her job and is trying to figure out how her local bank can change the terms on her credit card, and I heard from a physicist at a major research university who wants to explain a better theory of financial stress tests. "

Elizabeth Warren

" Wall Street banks have the right to express their views to lawmakers and regulators through lobbying, but the law is clear: If they want to influence lawmakers, they must disclose their lobbying expenditures. "

Elizabeth Warren

" If you don't talk about families, then it's easy to disembody subprime mortgages and asset securitization and unemployment rates without remembering that every one of those numbers is a million families. "

Elizabeth Warren

" Like a lot of you, I grew up in a family on the ragged edges of the middle class. My daddy sold carpeting and ended up as a maintenance man. After he had a heart attack, my mom worked the phones at Sears so we could hang on to our house. "

Elizabeth Warren

" I'm not running for president. "

Elizabeth Warren