---
title: "18 Years Quotes By Suze Orman"
description: "18 Years quotes by Suze Orman. Plus more from Suze Orman and more Years sayings from other authors."
image: "https://sms4smile.com/quotes/i/465/suze-orman-1007_five_never-ever-invest-money-that-you-will-ne_2085832.png"
---

> [Never, ever invest money that you will need prior to three to five years - minimum.](https://sms4smile.com/quotes/suze-orman/never-ever-invest-money-that-you-will-need-prior-to-three-to-five/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/465/suze-orman-1007_five_never-ever-invest-money-that-you-will-ne_2085832.png)

> [If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.](https://sms4smile.com/quotes/suze-orman/if-you-make-time-each-month-to-give-your-money-some-attention-you-ll/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/5ca/suze-orman-1007_attention_if-you-make-time-each-month-to-give-your_217763.png)

> [If you make any trades during the year, keep a record of each transaction for at least three years.](https://sms4smile.com/quotes/suze-orman/if-you-make-any-trades-during-the-year-keep-a-record-of-each/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/eb8/suze-orman-1007_any_if-you-make-any-trades-during-the-year-k_1999396.png)

> [Make this the year you tackle that credit card debt once and for all.](https://sms4smile.com/quotes/suze-orman/make-this-the-year-you-tackle-that-credit-card-debt-once-and-for-all/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/881/suze-orman-1007_cards_make-this-the-year-you-tackle-that-credi_1171658.png)

> [You should keep a copy of your tax return indefinitely, but you need to save supporting documents for only three years.](https://sms4smile.com/quotes/suze-orman/you-should-keep-a-copy-of-your-tax-return-indefinitely-but-you-need/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/8e0/suze-orman-1007_copy_you-should-keep-a-copy-of-your-tax-retur_2347646.png)

> [It may take you months or even a few years to build up an adequate emergency savings fund. That's okay.](https://sms4smile.com/quotes/suze-orman/it-may-take-you-months-or-even-a-few-years-to-build-up-an-adequate/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/6c3/suze-orman-1007_adequate_it-may-take-you-months-or-even-a-few-yea_2873175.png)

> [A reverse mortgage is available to anyone who is at least 62 years old and owns a home outright, or has a…](https://sms4smile.com/quotes/suze-orman/a-reverse-mortgage-is-available-to-anyone-who-is-at-least-62-years/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/097/suze-orman-1007_anyone_a-reverse-mortgage-is-available-to-anyon_273317.png)

> [Money you won't need to use for at least seven years is money for investing. The goal here is to have your…](https://sms4smile.com/quotes/suze-orman/money-you-won-t-need-to-use-for-at-least-seven-years-is-money-for/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/c30/suze-orman-1007_account_money-you-won-t-need-to-use-for-at-least_3200501.jpg)

> [The dream of having one's dream job turned into "Oh my God, I'll take any job. I've been out of work for…](https://sms4smile.com/quotes/suze-orman/the-dream-of-having-one-s-dream-job-turned-into-oh-my-god-i-ll-take/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/e42/suze-orman-1007_care_the-dream-of-having-one-s-dream-job-turn_432907.png)

> [Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not…](https://sms4smile.com/quotes/suze-orman/consider-a-15-or-20-year-fixed-rate-mortgage-instead-of-a-30-year-if/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/ae5/suze-orman-1007_fixed_consider-a-15-or-20-year-fixed-rate-mort_30941.png)

> [Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other…](https://sms4smile.com/quotes/suze-orman/take-free-money-no-matter-how-in-debt-you-are-if-your-employer-offers/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/16b/suze-orman-1007_bonus_take-free-money-no-matter-how-in-debt-yo_1247863.png)

> [Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are…](https://sms4smile.com/quotes/suze-orman/remember-if-the-irs-suspects-you-haven-t-reported-income-it-can/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/fb6/suze-orman-1007_absolutely_remember-if-the-irs-suspects-you-haven-t_1709592.jpg)

> [For seven years after college, I was a waitress at the Buttercup Bakery in Berkeley, and from there I got a job…](https://sms4smile.com/quotes/suze-orman/for-seven-years-after-college-i-was-a-waitress-at-the-buttercup/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/1d2/suze-orman-1007_account_for-seven-years-after-college-i-was-a-wa_2915138.jpg)

> [In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every…](https://sms4smile.com/quotes/suze-orman/in-january-we-start-saving-money-getting-out-of-credit-card-debt/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/818/suze-orman-1007_accounts_in-january-we-start-saving-money-getting_202597.jpg)

> [I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has…](https://sms4smile.com/quotes/suze-orman/i-generally-encourage-people-to-make-good-on-debts-when-they-have/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/7d0/suze-orman-1007_agency_i-generally-encourage-people-to-make-goo_399212.png)

> [For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix…](https://sms4smile.com/quotes/suze-orman/for-all-your-long-term-investments-such-as-retirement-accounts-that/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/7be/suze-orman-1007_accounts_for-all-your-long-term-investments-such_709820.png)

> [Money you know you need or want to spend in the next few years is savings. Money you keep handy for an…](https://sms4smile.com/quotes/suze-orman/money-you-know-you-need-or-want-to-spend-in-the-next-few-years-is/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/701/suze-orman-1007_account_money-you-know-you-need-or-want-to-spend_1656270.png)

> [The truth will always lead you to a better place and a bigger place. And every single setback, every single one, has…](https://sms4smile.com/quotes/suze-orman/the-truth-will-always-lead-you-to-a-better-place-and-a-bigger-place/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Image](https://sms4smile.com/quotes/i/d37/suze-orman-1007_better-place_the-truth-will-always-lead-you-to-a-bett_1906782.png)

## Other authors on Years

## More by Suze Orman

> [I've never believed unemployment numbers because the way that they calculate unemployment makes no sense whatsoever. It's not how many people are unemployed. It's…](https://sms4smile.com/quotes/suze-orman/i-ve-never-believed-unemployment-numbers-because-the-way-that-they/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Never invest emergency savings in the stock market.](https://sms4smile.com/quotes/suze-orman/never-invest-emergency-savings-in-the-stock-market/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Just because you can afford it doesn't mean you should buy it.](https://sms4smile.com/quotes/suze-orman/just-because-you-can-afford-it-doesn-t-mean-you-should-buy-it/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward…](https://sms4smile.com/quotes/suze-orman/your-goal-should-be-to-pay-off-your-credit-card-bills-in-full-at-the/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as…](https://sms4smile.com/quotes/suze-orman/consider-a-15-or-20-year-fixed-rate-mortgage-instead-of-a-30-year-if/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Believing you are worthy of love means that you believe I deserve to be treated well - with respect and dignity. I deserve to…](https://sms4smile.com/quotes/suze-orman/believing-you-are-worthy-of-love-means-that-you-believe-i-deserve-to/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Women fake orgasms and men fake finances.](https://sms4smile.com/quotes/suze-orman/women-fake-orgasms-and-men-fake-finances/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [If you're not staying on top of your money, you are putting your financial well-being at risk.](https://sms4smile.com/quotes/suze-orman/if-you-re-not-staying-on-top-of-your-money-you-are-putting-your/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [When you understand that your self-worth is not determined by your net-worth, then you'll have financial freedom](https://sms4smile.com/quotes/suze-orman/when-you-understand-that-your-self-worth-is-not-determined-by-your/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [ I think Oprah's \[winfrey\] learned from me that it's OK to be harsh on people because in one's harshness you can see transformation happen… ](https://sms4smile.com/quotes/suze-orman/i-think-oprah-s-winfrey-learned-from-me-that-it-s-ok-to-be-harsh-on/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.](https://sms4smile.com/quotes/suze-orman/no-well-planned-retirement-should-be-without-long-term-care-insurance/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so…](https://sms4smile.com/quotes/suze-orman/the-chances-of-a-bank-going-out-of-business-are-extremely-slim-but-it/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable…](https://sms4smile.com/quotes/suze-orman/true-generosity-is-an-offering-given-freely-and-out-of-pure-love-no/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Be as good to yourself as you are to those you love.](https://sms4smile.com/quotes/suze-orman/be-as-good-to-yourself-as-you-are-to-those-you-love/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [I'm a big advocate of a work-for-pay setup rather than an allowance that isn't attached to chores - it's a great way to impart…](https://sms4smile.com/quotes/suze-orman/i-m-a-big-advocate-of-a-work-for-pay-setup-rather-than-an-allowance/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

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                        "text": "The dream of having one's dream job turned into \"Oh my God, I'll take any job. I've been out of work for two years now. I don't care what I do. I'll do anything because I don't have any money\".",
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                        "text": "Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.",
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                        "text": "For seven years after college, I was a waitress at the Buttercup Bakery in Berkeley, and from there I got a job at Merrill Lynch as an account executive, from where I went to vice president of investments for Prudential-Bache Securities. I started my own firm in 1987.",
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                        "text": "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.",
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                        "text": "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.",
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                        "text": "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.",
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                        "text": "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.",
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                        "text": "The truth will always lead you to a better place and a bigger place. And every single setback, every single one, has led me - not in my time, but in the time that it was meant to happen - to a place that I never in a million years could have imagined that I could go or become.",
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