---
title: "19 Ifs Quotes By Michelle Singletary"
description: "19 Ifs quotes by Michelle Singletary. Plus more from Michelle Singletary and more Ifs sayings from other authors."
image: "https://sms4smile.com/quotes/i/ab5/michelle-singletary-8251_children_if-you-haven-t-saved-your-child-may-have_1419635.jpg"
---

> [If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent…](https://sms4smile.com/quotes/michelle-singletary/if-you-haven-t-saved-your-child-may-have-to-work-but-do-what-you-can/)

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

[Image](https://sms4smile.com/quotes/i/ab5/michelle-singletary-8251_children_if-you-haven-t-saved-your-child-may-have_1419635.jpg)

> [I think you can save and spend to live for however long you live. You just have to be flexible if things…](https://sms4smile.com/quotes/michelle-singletary/i-think-you-can-save-and-spend-to-live-for-however-long-you-live-you/)

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

[Image](https://sms4smile.com/quotes/i/a93/michelle-singletary-8251_flexible_i-think-you-can-save-and-spend-to-live-f_1098888.jpg)

> [My first piece of career advice is find your gifting. Find the thing that you are skilled at and figure out if…](https://sms4smile.com/quotes/michelle-singletary/my-first-piece-of-career-advice-is-find-your-gifting-find-the-thing/)

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

[Image](https://sms4smile.com/quotes/i/e9c/michelle-singletary-8251_advice_my-first-piece-of-career-advice-is-find_2464342.jpg)

> [You shouldn't invest the money if you are looking to use it within five years. Too much risk.](https://sms4smile.com/quotes/michelle-singletary/you-shouldn-t-invest-the-money-if-you-are-looking-to-use-it-within/)

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

[Image](https://sms4smile.com/quotes/i/81e/michelle-singletary-8251_five_you-shouldn-t-invest-the-money-if-you-ar_2880521.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)

> [You need to know everything. You both need to be comfortable with sharing everything. If you can't you are NOT ready to…](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/)

[Image](https://sms4smile.com/quotes/i/b27/michelle-singletary-8251_comfortable_you-need-to-know-everything-you-both-nee_36128.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 are NOT a financial failure if you rent. You are getting something for your money. A roof over your head.](https://sms4smile.com/quotes/michelle-singletary/you-are-not-a-financial-failure-if-you-rent-you-are-getting-something/)

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

[Image](https://sms4smile.com/quotes/i/db0/michelle-singletary-8251_failure_you-are-not-a-financial-failure-if-you-r_2501968.jpg)

> [Set up rules for when you will "give" not lend money. Never lend. My people know that I'll help with college. I'll…](https://sms4smile.com/quotes/michelle-singletary/set-up-rules-for-when-you-will-give-not-lend-money-never-lend-my/)

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

[Image](https://sms4smile.com/quotes/i/1c7/michelle-singletary-8251_college_set-up-rules-for-when-you-will-give-not_2467866.jpg)

> [The key to making sure your credit stays good is paying the bill on time. If you are paying the balance off…](https://sms4smile.com/quotes/michelle-singletary/the-key-to-making-sure-your-credit-stays-good-is-paying-the-bill-on/)

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

[Image](https://sms4smile.com/quotes/i/e87/michelle-singletary-8251_balance_the-key-to-making-sure-your-credit-stays_1487714.jpg)

> [Don't let people scare you from a career that may not net you a six figure salary. If you want to be…](https://sms4smile.com/quotes/michelle-singletary/don-t-let-people-scare-you-from-a-career-that-may-not-net-you-a-six/)

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

[Image](https://sms4smile.com/quotes/i/bbd/michelle-singletary-8251_best-money_don-t-let-people-scare-you-from-a-career_1402890.jpg)

> [If we aren't careful, our children will come down with 'affluenza,' a disease that causes them to confuse wants and needs. We…](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/)

[Image](https://sms4smile.com/quotes/i/27b/michelle-singletary-8251_careful_if-we-aren-t-careful-our-children-will-c_480773.jpg)

> [You are rich if you have enough to meet your most basic needs. You are rich if you have access to clean…](https://sms4smile.com/quotes/michelle-singletary/you-are-rich-if-you-have-enough-to-meet-your-most-basic-needs-you-are/)

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

[Image](https://sms4smile.com/quotes/i/731/michelle-singletary-8251_access_you-are-rich-if-you-have-enough-to-meet_2702332.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)

> [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)

> [A smart couple with a healthy financial relationship is always talking about money and how they're handling it. If there's a medical…](https://sms4smile.com/quotes/michelle-singletary/a-smart-couple-with-a-healthy-financial-relationship-is-always/)

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

[Image](https://sms4smile.com/quotes/i/b50/michelle-singletary-8251_couple_a-smart-couple-with-a-healthy-financial_2865010.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)

> [If we don't want the companies to cheat on us, we shouldn't be cheating on them.](https://sms4smile.com/quotes/michelle-singletary/if-we-don-t-want-the-companies-to-cheat-on-us-we-shouldn-t-be/)

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

[Image](https://sms4smile.com/quotes/i/b70/michelle-singletary-8251_cheat_if-we-don-t-want-the-companies-to-cheat_1791888.jpg)

> [My kids have to maintain good grades. They have to be involved in activities. They have to report to me how thing…](https://sms4smile.com/quotes/michelle-singletary/my-kids-have-to-maintain-good-grades-they-have-to-be-involved-in/)

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

[Image](https://sms4smile.com/quotes/i/e0f/michelle-singletary-8251_activity_my-kids-have-to-maintain-good-grades-the_1431098.jpg)

## Other authors on Ifs

## 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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