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" 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. "

Suze Orman

People

Said

Audience

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" 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. "

" 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. "

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" It's fine to seek professional help, but I urge everyone - no matter how big their portfolio - to truly understand every suggestion they're given before acting. "

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" People first, then money, then things. "

" 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.' "

" Never invest emergency savings in the stock market. "

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" I get mad when people give me presents. I don't want them, I don't need them. "

Suze Orman

Want

People

" The less money you owe, the less income you'll need and the less you'll have to save for tomorrow. "

" Financial advice needs to change according to what is happening in the economy. "

" Thoughtful financial planning can easily take a backseat to daily life. "

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

" If you make any trades during the year, keep a record of each transaction for at least three years. "

" For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk. "