The Laws of Money: 5 Timeless Secrets to Get Out and Stay Out of Financial Trouble

The Laws of Money: 5 Timeless Secrets to Get Out and Stay Out of Financial Trouble

3.7 9
by Suze Orman

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USA Today has called Suze Orman "a force in the world of personal finance." For years, Suze has anticipated what you need to know and want to know about your money. Her books, radio and television shows, columns, and newsletter about personal finance have helped millions of people like you turn their financial lives around. The author of three consecutive runaway

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USA Today has called Suze Orman "a force in the world of personal finance." For years, Suze has anticipated what you need to know and want to know about your money. Her books, radio and television shows, columns, and newsletter about personal finance have helped millions of people like you turn their financial lives around. The author of three consecutive runaway New York Times bestsellers, Suze is renowned for her unique brand of financial savvy, tell-it-like-it-is honesty, and dynamic motivational style, which propels her readers and audiences to change the course of their financial destiny. In this groundbreaking book, she continues to transform your relationship with money.

Never before has there been a money book and life guide like The Laws of Money, the Lessons of Life. In a natural evolution of Suze's authoritative view of the world of money, and characterized by her straight talk, warmth, and humor, The Laws of Money, the Lessons of Life reveals a revolutionary new paradigm of personal finance. The 5 Laws of Money are vital principles that you need to know whether you are old or young, male or female, with or without money, a novice or a veteran investor. These five laws operate without exception -- at all times, in every culture -- and apply to everyone, as Suze shows in the compassionate stories adapted from real-life situations that she recounts throughout the book. And the universal truths and lessons contained within each law help you learn how to keep what you have and create what you deserve. Anyone can -- and must -- put these laws to use today in order to survive and thrive in these times of constant upheaval and financial turmoil.

The Laws of Money, the Lessons of Life provides an eminently sensible, highly effective process for gaining control over your life and your money. Through pointed questions about your attitudes toward money, with insightful financial exercises and personal guidance, Suze deciphers the false hopes and fears that keep you from making smart, confident decisions and choices about your money. Her take-charge optimism and realistic action plans will jolt you out of any financial confusion or paralysis, whether you're beginning your career or at a midpoint, planning for or already in retirement. You will learn to assess your current spending, savings, and investments, and acquire a sure sense of what you can do with the money you have and the money you want to have. A thorough guidebook is included that helps you put the laws into immediate action and see their lessons manifest in your own life.

Profound and practical, The Laws of Money, the Lessons of Life will help you get out of debt, create what you want, and protect your money, your family, and your future. With these laws as your guide, you can avoid ever being a financial victim again.

Suze Orman is a two-time Emmy Award winner and the author of six consecutive New York Times bestsellers: Women & Money, The 9 Steps to Financial Freedom; The Courage to Be Rich; The Road to Wealth; The Laws of Money, The Lessons of Life; and The Money Book for the Young, Fabulous & Broke. As the host of The Suze Orman Show, which airs every Saturday night on CNBC, she has garnered more GRACIE Awards than anyone in the 32-year history of that award, which honors women in radio and television. Named in 2007 by BusinessWeek as the top female motivational speaker in the United States and in 2008 by Time magazine as one of the 100 most influential people in the world, Suze is also a contributing editor to O, The Oprah Magazine and The Costco Connection. Suze's name has become synonymous with money, and she is undeniably the most-listened-to personal finance expert in America today.

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Editorial Reviews

Publishers Weekly
Orman's fifth major book has perfect timing. As many Americans grapple with unemployment, diminished 401(k)s, crumbling stock market holdings and seemingly insurmountable debt, the bright-eyed and bushy-tailed financial sage comes to the rescue, offering this guide to understanding some of the most basic principles of money. In her signature charismatic style, Orman (The 9 Steps to Financial Freedom; The Road to Wealth; etc.) lays out "simple truths that will help you to be okay no matter what happens in your financial life." These laws are essentially common sense standards, certainly reminiscent of phrases from the author's previous books yet still undeniably powerful. For example, law number one, "truth creates money, lies destroy it," rings with simplicity while teaching a mighty rule about staying true to oneself and not embellishing to disillusion oneself or others. Each law is described in a separate chapter, with examples from Orman's life and several everyday folk. Indeed, readers will see themselves in these stories, and they, coupled with Orman's reality-based financial advice, will help make solutions clear for many. A guide included in the book allows readers to reflect on their financial past, order their priorities, organize savings plans and more. This is a shining example of Orman's now-perfected holistic approach to nuts-and-bolts economics. Agent, Amanda Urban. (Feb. 24) Forecast: With a coast-to-coast bus tour; print, transit and TV ads; and an upcoming PBS special based on the book, this one is guaranteed to hit lists. Orman will be profiled in next week's issue of PW as part of the Innovators series. Copyright 2003 Reed Business Information.

Product Details

Hay House UK, Limited
Publication date:
Product dimensions:
5.31(w) x 8.46(h) x 0.59(d)

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One day the news of an impending hurricane went sweeping through a seaside town. As the winds were picking up and the tide rising, the authorities rushed from door to door, instructing the residents to evacuate, to pack up their valuables and head inland. All of the townspeople — except for one — did as advised, acting as fast as they could, loading their cars with their family photographs, TVs, clothes, cash, and their most important records and documents. Most were well inland by the time the torrential rains began hitting their town. Only one man stayed behind, saying calmly to the authorities as they knocked on his door, "No, I'll be okay. God will take care of me."

As the town started to flood, with water swirling waist high, a boat with a rescue team made its way to the man's house, urging him to climb on board and get to safety. Again the man said confidently, "No, I'll be okay. God will take care of me."

Soon the rising waters submerged almost all the houses in the town and the man found himself stranded on his rooftop. A Coast Guard helicopter appeared, and lowered a ladder for the man to climb to safety. Again he refused, calling out, "No, I'll be okay. God will take care of me." It was his last chance. Within an hour the floodwaters engulfed the house, drowning the man.

Upon reaching heaven, the man, totally confused and feeling utterly betrayed, appeared in front of God and asked, "Why did you not take care of me and save me from the storm?" God replied, "I did try to take care of you. I sent you a messenger, a lifeboat, and a helicopter! What more did you want me to do?"

What more, indeed?


When I travel the country, I am saddened to see the faces of all the people who have gotten into serious financial trouble. They are smart people, good people, kind people. So what happened?

The answer is really very simple. These people, just like the man in our parable, did not know the financial signs they needed to pay attention to when they appeared in front of them. They did not know what to do with their money and when to do it.

Let's get real; the person who I am talking about is you. You — like most people — don't even like to think about the financial what-ifs of life, let alone talk freely about your money. You, like many people, probably feel that the topic of money is so personal that it needs to be kept tucked away like a deep dark secret. And because you treat money as a secret, you don't have the opportunity to discover the Laws of Money.

And that is where your trouble begins: Even though you don't know about a law, you can still end up breaking it. And your ignorance of the law doesn't get you off the hook. You still suffer the consequences if you break it.

Think of a well-known law that is posted and straightforward — for instance, the highway speed limit is 55 miles per hour; that's the law. You know very well in that case when you are breaking the law and when you are not, for there are reminders of that law every few miles. That is why when you are speeding and breaking the law, you are constantly looking in the rearview mirror to make sure you do not get caught. At least in this case you are aware that you are breaking the law, and if you get caught, you have no one to blame but yourself.

But when it comes to money, there are no huge signs constantly posted along your path to tell you how fast to go, when to yield, or even when to stop. So you are often breaking the laws of money and just don't know it. But, even worse, you have no idea of the consequences you will suffer if you break a law of money. And when you do break a law of money, the end result makes you feel as if you are in financial prison — you have less money, more debt, and no security. When you know the laws of money and follow them, however, you will be able to create more money, get out of debt, and increase your personal freedom.


So many people have been greatly affected by the volatile economy of the recent past. It's likely you have, too. Maybe you have worked hard all of your life and now, just as the promise of retirement approaches, find that much or all of your money you so carefully saved has disappeared. Maybe you invested your time and money in what you thought were no-lose propositions, but you did lose — big-time; it may take you years to recover your losses and years more to get ahead. Perhaps you lost your job and are having trouble finding another. Or possibly you are just simply overburdened with mortgage debt, car loan debt, credit card debt or student loans, and you don't see a way ever to get above water; your financial stance is, Why should I even try?

This is what I want you to remember: Every person I talk to who is in financial trouble would have benefited from knowing the five laws of money that I reveal in this book. Even though every person's financial situation is unique, the laws of money are universal. Even if you have made some bad investments or gotten in over your head with your credit cards, these laws will lead you back to a trouble-free plan for your money. All you have to do to start is to read this book from cover to cover.


Is it really that easy? You bet. Listen, there will be many times in your life when you look back and say, "If I only knew then what I know now...." In some cases, only time and experience could have served as your teacher and you had to make mistakes to learn. But when it comes to money, I believe from the bottom of my heart it does not have to be that way. If you want to get out and stay out of trouble with your money — and who doesn't? — you simply must learn to live by these five laws and never break them. These laws of money are timeless truths that will guide you to make sure you get exactly to where you want to go. They work no matter how old you are or where you stand with your money right now, whether we are in a bull or bear market, or whether the economy is up or down. These laws are your guide to true financial well-being.

Here are a few of the things you will learn in this book:

• How always telling the truth increases the flow of money into your life.

• Why actions based on fear will never make you rich.

• Why keeping company with people who break the laws of money will cause you to lose your money, too.

• How to improve your credit scores so you can get the lowest interest rates on credit cards, mortgages, and car loans.

• How to make sure you will never lose your home, car, or ability to pay your known expenses.


The five laws in this book actually come from you, from my dealings with tens of thousands of people over twenty-three years, and from my realization that those who are in financial trouble all got there exactly the same way — by breaking these five laws.

If you adhere to the essential laws contained in this book, the lessons you learn from your money will be life-affirming. After all, money's laws are not here to restrict you. They are here simply to keep you out of trouble, to make sure you are safe, to keep you from causing financial harm to yourself or others, and to bring you profound financial, emotional, and spiritual rewards. With the laws as your guides, you will be more, have more, and create more. That's the sequence. You can do this. It's not an empty promise. It's a law.

Copyright © 2003, 2004 by The Suze Orman® Revocable Trust

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