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" 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. "

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" One journalist estimated my liquid net worth at $25 million. That's pretty close. My houses are worth another $7 million. "

Suze Orman

Pretty

Net

Journalist

" 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. "

" 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. "

" 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. "

" Get rid of debt now. "

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

" The world needs another vehicle to get people to pay in cash. "

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

" I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score. "

" Give a portion of your money to others. By releasing an anxious grasp on your money, you will open yourself to receive all that is meant to be yours. "

" Opposites may attract, but I wouldn't put my money on a relationship of financial opposites. "

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

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

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

" 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. "

" I want to conquer the unknown. I really, really want to live on the water and captain my own boat. I have dreamed of going around the world on a boat. "

" 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. "

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

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

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

" My greatest pleasure is still flying private. I spend between $300,000 to $500,000, depending on my year, on flying private. "

" True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share. "

" It pays to be a fee fiend. "

" 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. "

" 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. "

" We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts. "

" Make this the year you tackle that credit card debt once and for all. "

" Focus on what you have. "

Suze Orman

You

Focus

" 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. "

" I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years. "