Suze Orman predicts stubborn inflation, more pain for stocks, and a recession by early next year. Here are her 10 best quotes from a new interview.

• Suze Orman predicts stubborn inflation, more pressure on stocks, and a recession by early next year.
• The personal-finance expert sees oil prices soaring and house prices holding up.

Inflation will linger, stocks will tumble further, and the US economy will slump into a recession, Suze Orman said in a recent Yahoo Finance interview.

Orman, a personal-finance guru, is the author of "Women & Money" and hosts a podcast of the same name. She touted income stocks, predicted oil prices would climb even higher, dismissed fears of a housing crash, and recommended investors limit their exposure to cryptocurrencies.

Here are Orman's 10 best quotes, lightly edited for length and clarity:

1. "People really, really need to get that this is here to stay for quite a while." (Orman was referring to elevated inflation.)

2. "What do you do with money today? It's a bit tricky if you ask me." (She underscored the challenge of finding investments that will generate returns above the rate of inflation.)

3. "I personally think we are heading into a recession, a mild one, either at the end of this year or the beginning of next year." (Orman added that many Americans have seen their retirement accounts shrink in value, and have had to cash out investments to pay their bills, putting them in a precarious position even if there isn't a recession.)

4. "If you lose your job, this time the government isn't going to save you, you're going to have to save yourself. If you don't have at least a 12-month emergency fund, you better start working on that right now, because if you don't, you could find yourself in serious trouble."

5. "I don't think this is the end of it by any means. We're experiencing a bull bounce within a bear market. We have a whole lot more to go down, and come August, September, that's when we may see it get a little bit ugly." (Orman was referring to the stock market's tumble and partial recovery this year.)

6. "Overall, if you want to be safe and sound, get dividend-paying stocks that are paying you at least 3% or more. Make sure you know about the companies and how they work, so at least you're getting something while these markets continue down."

7. "Oil will go up to about $135, maybe $145 a barrel. But you need to watch your oil stocks carefully, because it can turn on a dime." (Orman's price target suggests up to 41% upside for West Texas Intermediate crude, which was trading at about $103 at the time of writing.)

8. "I don't think you're going to see homes go down in value really. The truth is, real estate always does pretty well during a recession. What will change, however, is the anxiety of buyers." (Orman predicted house sellers would no longer receive dozens of offers above their asking prices, and warned buyers would face pricier mortgages and higher property taxes, insurance premiums, and maintenance costs.)

9. "Bitcoin, ethereum, solana, all of them — you have to be a little careful right now. It seems like they may be regulated under commodities, and what does that do to the freedom of them? My advice is you can put a small part of your portfolio in it, no more than 5%. I would only put money in it that I could afford to lose, because there are too many unknowns with it."

10. "I hate the fact that kids are taking out such large student loans. I'm not even sure, given artificial intelligence and where things are going, that our workforce isn't going to be replaced by robots and machines. Will they even find a job in the future, and was college worth it? I don't know."

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