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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.Suze Orman
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Women fake orgasms and men fake finances.Suze Orman
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In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential. It’s no different in the financial realmSuze Orman
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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.Suze Orman
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Here's my gift-giving rule: Respect your current financial situation.Suze Orman
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So many financial dreams are thwarted by the failure to act upon good intentions.Suze Orman
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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.Suze Orman
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Understand and accept the cycles of money. The setbacks you may have today or next year will not keep you from financial freedom. If you hold on to your goals and dreams, you will get there.Suze Orman
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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.Suze Orman
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If you're financially responsible, your children have a much better chance to grow up financially responsible.Suze Orman
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Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless.Suze Orman
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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.Suze Orman
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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.Suze Orman
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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.Suze Orman
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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.Suze Orman
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Time is key to building your financial security.Suze Orman
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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.Suze Orman
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When you are grateful - when you can see what you have - you unlock blessings to flow in your life.Suze Orman
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People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.Suze Orman
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A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.Suze Orman
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The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.Suze Orman
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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.Suze Orman
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A wise woman knows how to summon her courage and do what is right, rather than what is easy.Suze Orman
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In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm.Suze Orman
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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.Suze Orman
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Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand.Suze Orman
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You must trust yourself more than you trust others. Pay attention to your inner voice - it will tell you if how and in what you are investing is right for you.Suze Orman
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Prenups are so unromantic - a sign of distrust, not love. Time for a reality check, my friends. First, drawing up a prenuptial agreement together is a sign of incredible trust and financial openness - you're fooling yourself if you think you can achieve complete intimacy without it.Suze Orman
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A revocable living trust allows your heirs to avoid probate entirely and keeps you in complete control of your finances while you're alive. You can always make changes to what's in the trust and to how you'd ultimately like it managed or disbursed.Suze Orman
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I want to be clear here: It does not matter what you say in your will or trust; the beneficiary document attached to your IRA accounts and your life insurance policy overrides what you say elsewhere. If you want to change the beneficiary, you must change the beneficiary document.Suze Orman
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The key to making money is to stay invested.Suze Orman
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No one's ever achieved financial fitness with a January resolution that's abandoned by February.Suze Orman
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The new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a student loan responsibly if you're doing it yourself after you have a job? That dictates the amount of money you can borrow. That dictates the school you can go to, if you can even go to a four-year college at all.Suze Orman
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Many people are in the dark when it comes to money, and I'm going to turn on the lights.Suze Orman
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The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts.Suze Orman
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The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.Suze Orman
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The prenup needs to be drawn up months before the wedding, not days - it's not something you slap together and sign in the car on the way to the ceremony. A shotgun prenup might not hold up in court.Suze Orman
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Owning a home is a keystone of wealth - both financial affluence and emotional security.Suze Orman
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It's easy to underestimate the real cost of home ownership.Suze Orman
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Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up.Suze Orman