Top 141 Quotes & Sayings by Jean Chatzky

One way to make sure you don't lose assets in the future is to streamline your accounts. Consider using one bank for all your banking needs and one brokerage firm for all your investments.

Unlike other loans, a reverse mortgage doesn't have to be repaid until the borrower moves out of the home or passes away.

Many people focus on the 4 percent rule, which essentially says that as long as you withdraw no more than 4 percent from your retirement accounts each year, the money should last you 30 years.

Taking a shuttle or even paying for a taxi to a rental office that's a few miles away from the airport can mean a lower rate - 50 percent lower is common - for the same car, from the same company, for the same length of time. Many companies run free shuttles from some of the major airports.

Every minute you spend looking through clutter, wondering where you put this or that, being unable to focus because you're not organized costs you: time you could have spent with family or friends, time you could have been productive around the house, time you could have been making money.

Debt certainly isn't always a bad thing. A mortgage can help you afford a home. Student loans can be a necessity in getting a good job. Both are investments worth making, and both come with fairly low interest rates.

If you're closing in on age 62 and intend to apply for a former spouse's Social Security benefit, don't remarry. You have to be single at the time you apply.

One of my rules is: If it's good for the planet, it's usually good for your wallet.

Many of us, if pressed, would admit that we'd prefer a cash gift to another pair of pajamas or bestselling novel. But giving the green can make even the best of us uncomfortable - the etiquette is confusing, and those who relish picking out the perfect something can miss some of the fun.

If you're just starting out in the workforce, the very best thing you can do for yourself is to get started in your workplace retirement plan. Contribute enough to grab any matching dollars your employer is offering (a.k.a. the last free money on earth).

To bring down your credit card balances, write down the benefits of reducing your debt. No more gnawing feeling that you're throwing money away, perhaps. More money flowing to other financial objectives. Then consult the list when you have doubts.

Just because someone will lend money to you doesn't mean you should borrow it.

Where wealth is concerned, individuals aren't stuck in little boxes. You don't start out wealthy, stay wealthy, and end wealthy.

Secured cards can be helpful credit rebuilding tools for two reasons. First, because of the collateral, you can get them at a time when you're not likely to be approved for nonsecured cards. And as long as you maintain an on-time payment history, they can help you start to build a recent credit history that's fairly pristine.

If you want to give a tangible present, but you know the recipient wants cash, give a little bit of both. This strategy is helpful for occasions that involve a public opening of presents, like a bridal or baby shower. You can give something that can be wrapped and opened, along with a card containing a check.

Weak passwords are a crook's best friend. Make yours long and complex, and change them often - not just on your bank account but on your email and social media, too.

The wealthy are confident in their abilities to overcome bad situations - on the job, in their personal lives, with their finances. Many have triumphed over dismal financial starts. And, unlike most of the population that hops from job to job, career to career, the wealthy are much more likely to stick with what they start.

I've never met a budget that I couldn't coax a few extra dollars from - and I'll bet that you can do the same. For instance, you're probably buying more minutes and more cable channels than you use. Oh, and how many black skinny jeans do I count in your closet? You have enough money, just the wrong priorities.

It doesn't help to follow every rise and fall of your portfolio. It's better to tune out the day-to-day shifts, in fact. But getting a handle on the larger picture will make you feel more secure, and that goes a long way in calming your fear.

If your appraisal comes back too low - you don't have at least 10% equity for a conforming loan or 20% for a jumbo loan - you might not be able to refinance at all, at least with a loan that's packaged and sold to Fannie Mae and Freddie Mac. That means you may have to pay a much higher rate.

At the time of my second marriage, my husband was in his early 50s, I was in my mid-40s, and we each had two kids. We maintained our individual accounts and opened one for the house. We each kick the same percentage of our incomes into the house account and have a joint credit card. But we pay for our children separately.

If salary is your most important consideration, make sure you don't take too much time off beyond the allotted 12-14 weeks of maternity leave - and certainly don't leave altogether.

Generally, there are three rules when it comes to borrowing money: You need to have good credit, proof of income and cash for a down payment. Most people have the first two, but it's the third that trips them up. And nowhere does that come into play more than the mortgage market.

Show your kids that needs and wants are two different things. The best way to teach our kids to be smart consumers - and savvy savers - is to model good behavior for them.

Put all of your savings on autopilot, and you won't likely notice the missing cash.

While you're going through this process of trying to find the satisfaction in your work, pretend you feel satisfied. Tell yourself you had a good day. Walk through the corridors with a smile rather than a scowl. Your positive energy will radiate. If you act like you're having fun, you'll find you are having fun.

Being charitable provides a boost to your psyche that is tough to replicate in any other way. But note that although any charity will happily take your money, you can give in other ways and still reap the same happiness reward. Volunteering and donating your old or unused belongings have the same result.

I'm big on setting goals, but I also think that if you have too many lofty ambitions and set goals for everything, you can sabotage your efforts by overextending your brain.

It's not exactly a big surprise that women mature earlier than men do. As a result, they tend to display better judgment, particularly when it comes to money.

You have no control over the market. You can't predict where it will go, and you can't bring it back from the depths. What you can do is save more. Make sure you have cash on hand - an emergency fund of at least six months of expenses.

While it's true a small treat won't blow your budget, indulging every day could - the same way a slice of cake probably won't hurt but, if you make it a daily habit, you may have trouble fitting in your pants.

Whether it's fly-fishing, taking your camper to the Everglades, or just traveling, everyone has got a little retirement dream.

After two decades of personal finance reporting, I've heard every excuse in the book for not saving money. That said, none of them really hold up - at least over the long term.

You'll get the biggest bang for each buck by paying off the highest interest rate debt in your portfolio first, while making minimum payments on the remainder. It's called the avalanche method, and it gets you out of debt cheapest and fastest.

The older you are when you buy an annuity, the shorter your life expectancy will be - so the greater a monthly paycheck the same sum of money will buy you. When interest rates are higher, the size of the paycheck for the same sum of money will rise also.

You could lose hundreds or thousands one day on paper and gain it all back the next, and it has literally no effect on your immediate future, provided the money you have in the market is money you're investing for the long haul (meaning at least three to five years).

Whether you're replacing one appliance that's seen better days, or many because you're moving or renovating, you probably know to look for the Energy Star label. That's good advice.

Once you're retired and are no longer counting on earned income to live on and supplement your nest egg, you're done with disability insurance. At that point, though, the need for long-term care insurance - which protects you from spending that nest egg too fast - takes over.

By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later. That's hard. Our brains are hard wired to prefer the here and now.

Web banking lets you monitor your spending, tweak your budget, schedule payments, and more, particularly if you marry your online bank with the personal-finance management tools available online.

These days, checks are direct-deposited, money comes out of a machine in the wall, and we swipe a plastic card to make a purchase. In other words, your kids can grow up thinking money comes in an endless supply if you don't show them otherwise.

You can cut the fat from your spending: Stop taking taxis, call your cable company and ask for the same deal new subscribers get, have dinner at home and then a drink out instead of a $100 meal with wine.

Your credit score takes into account years of information in most cases. It's not going to improve in a day. But it may improve more quickly than you think. Generally, the last 24 months carry the most weight, so if you can keep clean for that long, you'll see a boost.

Nontraditional students often have the misconception that aid is intended only for high school students entering college. Luckily, that's not the case.

Find the autonomy in your work. Autonomy is key to feeling good about the work you do, no matter what kind of work it is.

If you decide you need a secured card, use it to charge small items every month, then pay the balance off in full. If your credit score improves, and the bank doesn't offer to upgrade your card within 12 to 18 months, give them a call. If they refuse, try another lender.

There's a laundry list of reasons why not to borrow from your 401(k). While the money is on loan, it's not working for you - and if you leave your job, you'll have to pay it back in 60 days or treat it as a taxable withdrawal.

Automate your savings so that you have money taken directly from each paycheck and deposited into a 401(k) or other workplace retirement account. If that's not an option, automatically have money transferred out of checking into savings each time you get paid.

There are two things that you need to save for. First, you need an emergency cushion of no fewer than six months of living expenses. This needs to be cash in a liquid account where you can get at it in - yes - an emergency if you need it. In other words, money markets, not CDs. You also need to save for your future: that means retirement.

Couples that do save have stronger, more stable, less stressful unions. In other words, you don't want to be fighting about saving; you just want to be saving, period.

Your retirement comes before your children's tuition. That's because there's no financial aid for retirement, and there's still a good deal available for college.

If you have had the same dishwasher for 10 years or more, don't bother repairing it. The average dishwasher is expected to last nine years, and you've most likely squeezed as much life out of it as you can.

Older couples bring obligations such as support payments and debt as well as decades of financial experience to a marriage.

Anticipating a boomerang child seems the odds-on thing to do. Think about furnishing - hello, sleeper sofa - with this in mind.

Use visual cues to prompt yourself to put away more. A photograph of the beach house where you and your husband can envision spending your retirement will remind you to bump up the contribution to your 401(k); a snapshot of your child in a college sweatshirt can encourage you to put more into a 529 college savings plan.

Resilience isn't a single skill. It's a variety of skills and coping mechanisms. To bounce back from bumps in the road as well as failures, you should focus on emphasizing the positive.

Wills are trumped by legal titles to real estate or beneficiary designations on financial accounts, retirement plans and insurance policies.

Women take fewer financial risks than men do, but not because we're wusses. Both sexes secrete the hormone oxytocin in stressful situations, but women secrete more of it, which helps us stay calmer.

Optimism is an expectation that good things are going to be plentiful. The wealthy generally have the sense that life will bring good rather than bad outcomes. That doesn't mean they believe that good things will be omnipresent, but that they will outnumber the not-so-good.

People with financial plans are much more likely to feel prepared, even in tumultuous times. They're more likely to feel that their dreams and goals are secure. And, oh yes, they do actually save significantly more.