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" Learn to recognize true wealth. Money itself will not make you financially free. That comes as a result of only that powerful state of mind which tells us that we are worth far more than our money. "

Suze Orman

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" I always knew that I would have to make it on my own somehow. "

" If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall. "

" People first, then money, then things. "

" 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. "

" 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. "

" 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. "

" 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. "

" Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have? "

Suze Orman

Know

You

" When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do. "

" To enjoy a long, comfortable retirement, save more today. "

" 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. "

" The middle class has disappeared. We have a highway to poverty and no roads coming out. "

" 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. "

" 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. "

" Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up. "

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

" Who would you want to be giving you advice? Somebody who doesn't have any money? "

" A reverse mortgage is available to anyone who is at least 62 years old and owns a home outright, or has a small mortgage balance remaining. "

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

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

" In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.' "

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

" To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell. "

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

" The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. "

" Happiness is not a luxury. It is a necessity. When we are happy, we are in the best possible place to be good to ourselves and those we love. "

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

" The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases. "

" Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think. "