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" There is no law saying you have to die before your assets can be passed to loved ones. In fact, gifting earlier can be a lovely way to witness how your money helps your family thrive. "

Suze Orman

Loved

Law

Family

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

" You should keep a copy of your tax return indefinitely, but you need to save supporting documents for only three years. "

" 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. "

" I love the Roth IRA. Tax-free income in retirement is a truly great deal. "

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

" When you are grateful - when you can see what you have - you unlock blessings to flow in your life. "

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

" Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals. "

" The new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a student loan responsibly if you're doing it yourself after you have a job? That dictates the amount of money you can borrow. That dictates the school you can go to, if you can even go to a four-year college at all. "

" You have got to be the masters of your own financial future. "

" 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

" Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.' "

" 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. "

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

" 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. "

" If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do. "

" What I've learned is that the audience is constantly rotating. Just because it feels like I've said it, there are millions and millions of people that have still never heard of it. "

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

" I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance. "

" Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks. "

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

" 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. "

" The world does not need another credit card. "

" Success is not how many zeroes your bank account has. It's about making the most of the life you have. "

" It's not what you make, but how you feel about what you make and what you spend. "

" 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. "

" 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. "

" They got married, they got divorced, and half their money goes out the window. "

" Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing. "

" Credit card issuers and HELOC lenders are like fair-weather friends: They cozy up to you in good times, but when the economy heads south, they abandon you faster than Usain Bolt runs the 100 meters. "