---
title: "12 Debt Quotes By Michelle Singletary"
description: "12 Debt quotes by Michelle Singletary. Plus more from Michelle Singletary and more Debt sayings from other authors."
image: "https://sms4smile.com/quotes/i/6fd/michelle-singletary-8251_debt_you-still-need-to-save-but-being-debt-fr_3078063.jpg"
---

> [You still need to save but being debt-free in retirement is and should be a goal.](https://sms4smile.com/quotes/michelle-singletary/you-still-need-to-save-but-being-debt-free-in-retirement-is-and/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/6fd/michelle-singletary-8251_debt_you-still-need-to-save-but-being-debt-fr_3078063.jpg)

> [If you'll have enough saved and nobody has to take on debt and you want to retire, shoot go for it.](https://sms4smile.com/quotes/michelle-singletary/if-you-ll-have-enough-saved-and-nobody-has-to-take-on-debt-and-you/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/23c/michelle-singletary-8251_debt_if-you-ll-have-enough-saved-and-nobody-h_2530596.jpg)

> [I just don't like people taking debt into retirement.](https://sms4smile.com/quotes/michelle-singletary/i-just-don-t-like-people-taking-debt-into-retirement/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/c17/michelle-singletary-8251_debt_i-just-don-t-like-people-taking-debt-int_2788967.jpg)

> [We know intellectually that money can't buy happiness yet we spend and go into debt as if it does.](https://sms4smile.com/quotes/michelle-singletary/we-know-intellectually-that-money-can-t-buy-happiness-yet-we-spend/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/04e/michelle-singletary-8251_debt_we-know-intellectually-that-money-can-t_2631839.jpg)

> [You'll feel better when you get all that debt off your back.](https://sms4smile.com/quotes/michelle-singletary/you-ll-feel-better-when-you-get-all-that-debt-off-your-back/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/adf/michelle-singletary-8251_debt_you-ll-feel-better-when-you-get-all-that_199960.jpg)

> [I'm not a fan of debt consolidation. In my experience, many people "clear" credit cards and other debt to get the one…](https://sms4smile.com/quotes/michelle-singletary/i-m-not-a-fan-of-debt-consolidation-in-my-experience-many-people/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/85e/michelle-singletary-8251_cards_i-m-not-a-fan-of-debt-consolidation-in-m_991572.jpg)

> [I use a "Debt Dash" approach to paying off debt. I recommend people focus on paying off the debt with the lowest…](https://sms4smile.com/quotes/michelle-singletary/i-use-a-debt-dash-approach-to-paying-off-debt-i-recommend-people/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/559/michelle-singletary-8251_approach_i-use-a-debt-dash-approach-to-paying-off_2364743.jpg)

> [Many debt collectors offer a lump sum option so ask. And if you get it, make sure it's in writing and you…](https://sms4smile.com/quotes/michelle-singletary/many-debt-collectors-offer-a-lump-sum-option-so-ask-and-if-you-get-it/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/cb9/michelle-singletary-8251_asks_many-debt-collectors-offer-a-lump-sum-op_1988902.jpg)

> [The schools can't cover all the values that go along with how you handle your money. For example, a financial literacy class…](https://sms4smile.com/quotes/michelle-singletary/the-schools-can-t-cover-all-the-values-that-go-along-with-how-you/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/2d6/michelle-singletary-8251_big-mama_the-schools-can-t-cover-all-the-values-t_2523423.jpg)

> [I use my financial values to set my limitations. I have three children I want to put through college debt free. So…](https://sms4smile.com/quotes/michelle-singletary/i-use-my-financial-values-to-set-my-limitations-i-have-three-children/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/9da/michelle-singletary-8251_children_i-use-my-financial-values-to-set-my-limi_2389776.jpg)

> [I've found that when you can quickly knock out debt you get motivated because you see progress. Then you attack the other…](https://sms4smile.com/quotes/michelle-singletary/i-ve-found-that-when-you-can-quickly-knock-out-debt-you-get-motivated/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/9e3/michelle-singletary-8251_debt_i-ve-found-that-when-you-can-quickly-kno_897850.jpg)

> [There are other ways to motivate students than requiring them to take on debt or work long hours taking away from their…](https://sms4smile.com/quotes/michelle-singletary/there-are-other-ways-to-motivate-students-than-requiring-them-to-take/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

[Image](https://sms4smile.com/quotes/i/a3c/michelle-singletary-8251_debt_there-are-other-ways-to-motivate-student_1884384.jpg)

## Other authors on Debt

## More by Michelle Singletary

> [You need to know everything. You both need to be comfortable with sharing everything. If you can't you are NOT ready to get married.](https://sms4smile.com/quotes/michelle-singletary/you-need-to-know-everything-you-both-need-to-be-comfortable-with/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [We all fall - even me.](https://sms4smile.com/quotes/michelle-singletary/we-all-fall-even-me/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [I love teaching people how to handle their money and I've built a brand on that skill.](https://sms4smile.com/quotes/michelle-singletary/i-love-teaching-people-how-to-handle-their-money-and-i-ve-built-a/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [You made a decision given your life circumstances and you have to be ok with that. Regrets that can't be change is just torturing…](https://sms4smile.com/quotes/michelle-singletary/you-made-a-decision-given-your-life-circumstances-and-you-have-to-be/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [You'll feel better when you get all that debt off your back.](https://sms4smile.com/quotes/michelle-singletary/you-ll-feel-better-when-you-get-all-that-debt-off-your-back/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [The number of those 19 to 25 with private insurance increased from 51 to 55.8 percent, and the percentage of uninsured fell from 33.9…](https://sms4smile.com/quotes/michelle-singletary/the-number-of-those-19-to-25-with-private-insurance-increased-from-51/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [Money may not be able to buy you love, but conflicts about it can certainly bankrupt your relationship.](https://sms4smile.com/quotes/michelle-singletary/money-may-not-be-able-to-buy-you-love-but-conflicts-about-it-can/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [We all only have a certain amount of money and that means yes, we have to make choices and sometimes those choices mean we…](https://sms4smile.com/quotes/michelle-singletary/we-all-only-have-a-certain-amount-of-money-and-that-means-yes-we-have/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [Having kids doesn't mean they would have taken care o you.](https://sms4smile.com/quotes/michelle-singletary/having-kids-doesn-t-mean-they-would-have-taken-care-o-you/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [I'm driving my old car until I'm on a first name basis with the low tow truck drivers!](https://sms4smile.com/quotes/michelle-singletary/i-m-driving-my-old-car-until-i-m-on-a-first-name-basis-with-the-low/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [When you give people who are being financially responsible money, you are enabling them to continue a bad habit. So you are actually helping…](https://sms4smile.com/quotes/michelle-singletary/when-you-give-people-who-are-being-financially-responsible-money-you/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [Sometimes your gut is right. And sometimes not.](https://sms4smile.com/quotes/michelle-singletary/sometimes-your-gut-is-right-and-sometimes-not/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [I understand why many are still poor or struggling to make just a middle-income lifestyle. I'm a fiscal conservative, but I also have compassion…](https://sms4smile.com/quotes/michelle-singletary/i-understand-why-many-are-still-poor-or-struggling-to-make-just-a/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [I like the idea of having a paperless society.But to be paperless means you have to be so careful with your identity.](https://sms4smile.com/quotes/michelle-singletary/i-like-the-idea-of-having-a-paperless-society-but-to-be-paperless/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

> [If we aren't careful, our children will come down with 'affluenza,' a disease that causes them to confuse wants and needs. We need to…](https://sms4smile.com/quotes/michelle-singletary/if-we-aren-t-careful-our-children-will-come-down-with-affluenza-a/)

[Michelle Singletary](https://sms4smile.com/quotes/author/michelle-singletary/)

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