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" Like many entrepreneurs, I never have two days that are alike. One thing that's consistent is I wake up early, around 4:30 A.M. It's my most productive time of day because I can think and work uninterrupted. "

Sallie Krawcheck

Work

Wake Up

Time

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" Networking has been cited as the number one unwritten rule of success in business. Who you know really impacts what you know. "

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" The research indicates that when we women invest, we women do tend to be more patient, take a longer-term perspective and as a result of it, tend to be better investors than men. But the messages we get are that investing is sort of 'the guys' world.' "

" As an entrepreneur, it's easy to feel ownership over every aspect of your business because you're putting your reputation, your money, and other people's money on the line. Oh, and you're sleeping, breathing, and eating your passion project - that, too. But if you try to do it all yourself, you're almost certain to fail. "

" Whatever your income level is, save as much as you can - up to 20 percent, but more if you can - and invest it. Put that into an IRA; put that into a brokerage account. "

Sallie Krawcheck

You

Your

" One of my passions is women in business and helping women to get ahead in business. For women, that feedback loop can be broken. Women won't get as much feedback from male bosses as men will get. Therefore, they have to make an extra effort, whether that is unfortunate, good, bad, indifferent. "

" Recognize that the issues we face as women advancing in business are issues my grandmother would have loved to have had. And fight the good fight nonetheless. For yourself and your peers - but also for your daughter, when it's her turn. "

" Your career is not going to go the way you planned. It is impossible at the age of 23 to pick the right industry, the right company, and you can visualize what you're going to be doing in your 40s, 50s, and 60s, but chances are that it's going to be something quite different. So remain open to opportunities and change. "

" Knowing your customer inside and out is mission-critical, and it takes time. It's impossible to hit on the insights that will ultimately decide your company's fate without putting them to the test - literally - even if that takes longer than you'd have liked. "

" Ask any woman who has gone through a divorce and had her standard of living decline substantially. Ask any woman who's been fired or 'reorg'ed out' and had to scramble to take a job she didn't want. Ask any woman who wanted to quit a job but couldn't afford to. Investing is possibly the best career advice women aren't getting. "

" As an entrepreneur, I've learned how crucial it is to be able to call a spade a spade and avoid falling in love with a particular strategy or product. Instead, you need to let the customer tell you what she needs - and to change her as she changes. "

" You may find it more relaxing to work with people just like you, but entrepreneurship is about finding new approaches to problems, and discomfort can be an important part of that process. "

" To empower women, power must be given to them, presumably by an entity that already has it. And that entity is the patriarchy. This also implies that women must be on the receiving end, waiting - politely - to be empowered. Very Victorian-era courtship, isn't it? "

" Women bring some great qualities to work. We bring risk-awareness. We bring a greater focus on relationships. We bring more holistic decision-making than gentlemen do. We bring a more long-term perspective than gentlemen do. We tend to look for meaning and purpose in our jobs to a greater degree than gentlemen do. "

" People say to me, 'Has being a woman helped or hindered your career?' And the answer is yes. "

" Hard work most often leads to success, but it's not every day, and it's not every week. It will pay off at different times over the course of your career. "

" We all know money is power. And women won't be equal with men until we are financially equal with men. Getting more money into the hands of women is good for women, but it's also good for their families, for the economy, and for society. "

" We haven't always been aware of it, but the 'locker-room bro talk' has long been going on not just in locker rooms but in some corporate conference rooms. Of course, not by all men. But by some - including some who hold positions of power. And that matters in holding women back. "

" Investing isn't a game to be won. At the end of the day, it's a way to achieve your big goals, like buying that home, starting that business, and retiring on your own terms. "