Green's $500,000 represented one-quarter of the bank's assets. The bank refused to allow her transfer of her $26 million in stocks, bonds, mortgages, and deeds to the Chemical National Bank, until Edward's debt was paid. In the end, Hetty made the transfer and paid off her husband's debt, but never forgave Edward. Green set up an office in the Chemical Bank, but continued to live in boarding houses, flats, or hotels. By then she was known as the "Queen of Wall Street." Her investing philosophy, in her words, included, "In business generally, don't close a bargain until you have reflected on it overnight." She also thought, "It is the duty of every woman, I believe, to learn to take care of her own business affairs," and "A girl should be brought up as to be able to make her own living..." "Whether rich or poor, a young woman should know how a bank account works, understand the composition of mortgages and bonds, and know the value of interest and how it accumulates." The Panic of 1907 provided an opportunity for Green to showcase many of the investment skills that she had accumulated over several decades. Unlike most Wall Street financiers, Green predicted the panic long before its arrival. She explained her foresight, stating, “I saw this situation developing three years ago, and I am on record as predicting it. I said the rich were approaching the brink, and that a ‘panic’ was inevitable.“ For several years prior to the panic, Green amassed a large cash position. When the panic arrived in October 1907, Green lent liberally to financiers and the City of New York to get them through the crisis. She was also the only woman invited to the critical meeting with J. Pierpont Morgan and the leading banking executives at the height of the crisis. Reputation Green's cheapness was legendary. She was said never to turn on the heat or use hot water. She wore one old black dress and undergarments that she changed only after they had been worn out; she did not wash her hands and she rode in an old carriage. She ate mostly pies that cost fifteen cents ($4.50 in 2022 dollars). One tale claims that Green spent half a night searching her carriage for a lost stamp worth two cents. Another asserts that she instructed her laundress to wash only the dirtiest parts of