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You are rich if you have enough to meet your most basic needs. You are rich if you have access to clean water, food, shelter, love, a roof over your head.You have to count your blessings to see that you are richer than you think.

Michelle Singletary

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Michelle Singletary
Age: 54
Columnist
Financial Planner
Journalist
Writer
Water
Basic
Enough
Access
Needs
Blessing
Love
Clean
Richer
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Roof
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Blessings
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More quotes by Michelle Singletary

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If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent loans.
Michelle Singletary
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Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.
Michelle Singletary
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I think you can save and spend to live for however long you live. You just have to be flexible if things don't go as plan.
Michelle Singletary
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The sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.
Michelle Singletary
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We all only have a certain amount of money and that means yes, we have to make choices and sometimes those choices mean we don't get what we want.
Michelle Singletary
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Remember life insurance is intended as income replacement to help dependents and or/spouse pay for things that your income would have covered. When you get to the point that you're dependents (Your kids mostly) aren't dependent on your income, you could reduce the amount of life insurance you are carrying.
Michelle Singletary
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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 teach our children what my grandmother taught me: Think twice about spending money you don't have on things you don't need to impress people you don't like anyway.
Michelle Singletary
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The schools can't cover all the values that go along with how you handle your money. For example, a financial literacy class might not teach me to hate debt the way my grandmother, Big Mama did.
Michelle Singletary
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I've decided to keep working until my last kid is thu college.
Michelle Singletary
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There are some dark days when I do receive some racist mail or emails. But overall the response to me has been very positive. Readers relate to me not just as an African-American, but as an American trying to make sense of her personal finance, just like them.
Michelle Singletary
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I write for people who are good money managers and want to know how to be even better stewards over their money.
Michelle Singletary
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My husband and I are pretty good at leaving money alone until we need it for what we've saved it for.
Michelle Singletary
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You shouldn't invest the money if you are looking to use it within five years. Too much risk.
Michelle Singletary
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Don't let people scare you from a career that may not net you a six figure salary. If you want to be a teacher, teach. But knowing that your salary may only reach a certain level, do all that you can to become the best money manager you can be.
Michelle Singletary
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I've found that when you can quickly knock out debt you get motivated because you see progress. Then you attack the other debt so fast that even if it's at a higher interest rate, you don't end up paying much more because you've gotten rid of it.
Michelle Singletary
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There's nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income.
Michelle Singletary
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We all fall - even me.
Michelle Singletary
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Having fun time is a good use of your money.
Michelle Singletary
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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 yourself.
Michelle Singletary
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If we don't want the companies to cheat on us, we shouldn't be cheating on them.
Michelle Singletary