Suze Orman

Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand.

A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace.

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.

The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.

A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.

People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.

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

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

Time is key to building your financial security.

The last thing family and friends want is for you to spend money on them that you don't have or that you can't really spare.

Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think.

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.

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

If you're financially responsible, your children have a much better chance to grow up financially responsible.

Writing is hard work, not magic. It begins with deciding why you are writing and whom you are writing for. What is your intent? What do you want the reader to get out of it? What do you want to get out of it. It's also about making a serious time commitment and getting the project done.

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.

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

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.