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" 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. "

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" I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded. "

Suze Orman

You

Maturity

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" 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. "

" I think they've been baby bummers. "

" People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well. "

Suze Orman

People

Doing

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

" Understand and accept the cycles of money. The setbacks you may have today or next year will not keep you from financial freedom. If you hold on to your goals and dreams, you will get there. "

" 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. "

" When you lose something in your life, stop thinking it's a loss for you... it is a gift you have been given so you can get on the right path to where you are meant to go, not to where you think you should have gone. "

" It's easy to underestimate the real cost of home ownership. "

" Don't let what others think or say get in your way; their actions reflect on them, not you. "

" Every portfolio benefits from bonds; they provide a cushion when the stock market hits a rough patch. But avoiding stocks completely could mean your investment won't grow any faster than the rate of inflation. "

" 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. "

" Anything that gets people to think harder about their financial security and take some responsibility is a good thing. "

" Every time you overhear something hurtful, I want you to do something kind for someone else. "

" I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months. "

" Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless. "

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

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

" 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. "

" If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance. "

" If there is anyone dependent on your income - parents, children, relatives - you need life insurance. "

" 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. "

" 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. "

" Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings. "

" 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. "

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

" You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams. "

" Never invest emergency savings in the stock market. "

" I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love. "

" When someone chooses to value herself over the things she can buy, true transformation begins. "