Whether you’re chasing debt freedom, financial freedom, or just looking to start your first budget… you’re going to need long lasting motivation and discipline to stay the course.
Money quotes have always been a great source of motivation for me as we navigated our debt free journey, and now I still find myself reading quotes as we invest and chase financial independence.
These 100 money quotes will keep you excited when your financial journey gets tedious.
Debt Freedom Quotes
We spent 4 years paying off $109,000 of consumer debt. It was a long… boring process. The excitement and motivation quickly vacated our mind, and it was too easy to fall off the financial wagon.
Creating a debt free vision board loaded with debt freedom quotes was a key to our success!
If you’re in the midst of your debt free journey, these money quotes will help you find discipline when your desire for debt freedom is tested.
Another great tool to help you achieve debt freedom is our debt tracker spreadsheet. This spreadsheet will help you manage your money and make intelligent decisions.
“Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris
“Too many people spend money they earned… to buy things they don’t want… to impress people that they don’t like.” – Will Rogers
“When you know the impact of little expenses, you will realize that there is nothing little in this world.” – Manoj Arora
“Never spend your money before you have it.” – Thomas Jefferson
“Make sure that you haven’t lost the things that money can’t buy.” – George Lorimer
“If you do not change direction, you may end up where you are heading.” – Lao Tzu
“It is only through labor and painful effort, by grim energy and resolute courage; that we move on to better things.” – Theodore Roosevelt
“Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.” – Ogden Nash
“The man who never has money enough to pay his debts has too much of something else.” – James Lendall Basford
“The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.” – Suze Orman
“If there is no struggle, there is no progress.” – Frederick Douglass
“Success is not final, failure is not fatal: it is the courage to continue that counts.” – Winston Churchill
“What can be added to the happiness of a man who is in health, out of debt, and has a clear conscience?” – Adam Smith
“Debt is normal. Be weird.” – Dave Ramsey
“If you really want to do something, you will find a way. If you don’t, you will find an excuse” – Jim Rohn
Financial Freedom Quotes
What does financial freedom mean to you? Is it the ability to stop living paycheck to paycheck? Is it the ability to quit your day job and pursue a passion?
Whatever the meaning is, these financial freedom quotes will speak to you! Find your passion, find your motivation and press on to financial freedom!
“Financial fitness is not a pipe dream or a state of mind. It’s a reality if you are willing to pursue it and embrace it.” – Will Robinson
“Money can’t buy happiness, but it will certainly get you a better class of memories.” – Ronald Reagan
“Every day is a bank account, and time is our currency. No one is rich, no one is poor, we’ve got 24 hours each.” – Christopher Rice
“Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one”. – Benjamin Franklin
“The person who starts simply with the idea of getting rich won’t succeed; you must have a larger ambition.” – John D. Rockefeller
“Discipline equals freedom.” – Jocko Willink
“The safest way to double your money is to fold it over and put it in your pocket.” – Kin Hubbard
“Before you spend, earn. Before you invest, investigate. … Before you retire, save.” – William A. Ward
“Hаbіtѕ оf fіnаnсіаl ѕuссеѕѕ аrе lеаrnаblе, as аll hаbіtѕ аrе, bу practice аnd rереtіtіоn.” – Shane Johnston
“You will never appreciate the value of financial literacy until the price of ignorance overwhelms you” – Mac Duke The Strategist
“Real estate is attractive because it leads people closer to financial independence, the ability to live life on one’s own terms, rather than simply earning enough to pay bills and survive.” – Joshua Dorkin
“Working because you want to, not because you have to is financial freedom.” – Tony Robbins
“My favorite things in life don’t cost any money. It’s really clear that the most precious resource we all have is time.” – Steve Jobs
“Whenever you find yourself on the side of the majority, it is time to pause and reflect.” – Mark Twain
“To get rich, you have to be making money while you’re asleep.” -David Bailey
“Never let the defeat of the past rob you of the success of your future.” – Ray Comfort
“I’ve never been poor — only broke. Being poor is a frame of mind. Being broke is only a temporary situation.” – Mike Todd
Some of the greatest investors of all time have offered tiny pearls of wisdom. The key is to find those pearls in a sea of internet garbage!
These investing quotes are from the best to ever do it. Buffett, Bogle, Lynch, and many more. Perhaps my next list of money quotes will have your name on it!
Investing is not nearly as difficult as it looks. Successful investing involves doing a few things right and avoiding serious mistakes.” – John Bogle
Don’t look for the needle in the haystack. Just buy the haystack.” – John Bogle
“In investing, what is comfortable is rarely profitable.” – Robert Arnott
“Invest in yourself. Your career is the engine of your wealth.” – Paul Clitheroe
“Know what you own, and know why you own it.” – Peter Lynch
“Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.” – Paul Samuelson
“The four most dangerous words in investing are: ‘This time it’s different.'” – Sir John Templeton
“If you have trouble imagining a 20% loss in the stock market, you shouldn’t be in stocks.” – John Bogle
“The older I get, the more I see a straight path where I want to go. If you’re going to hunt elephants, don’t get off the trail for a rabbit.” – T Boone Pickens
“A lot of people with high IQs are terrible investors because they’ve got terrible temperaments. You need to keep raw, irrational emotion under control.”- Charlie Munger
“The function of economic forecasting is to make astrology look respectable.”- John Kenneth Galbraith
“Spend each day trying to be a little wiser than you were when you woke up.” – Charlie Munger
“The secret to investing is to figure out the value of something – and then pay a lot less.” Joel Greenblatt
“Behind every stock is a company. Find out what it’s doing.” – Peter Lynch
Warren Buffett Quotes
It’s hard to make a list of money quotes without creating a section for Warren Buffett quotes. He’s the best to ever do it. As of May 2019, he has a net worth of 89.9 BILLION dollars.
Honestly, I could probably make an entire post about his quotes and teachings, perhaps I will… but today, we explore a short list of great Warren Buffett quotes.
If you’re interested in learning more about one of the most successful investors of all time, I highly recommend this book!
“Long ago, Ben Graham taught me that ‘Price is what you pay; value is what you get.’ Whether we’re talking about socks or stocks, I like buying quality merchandise when it is marked down.”- Warren Buffett
“Should you find yourself in a chronically leaking boat, energy devoted to changing vessels is likely to be a more productive than energy devoted to patching leaks.”- Warren Buffett
“I will tell you the secret to getting rich on Wall Street. You try to be greedy when others are fearful. And you try to be fearful when others are greedy.” – Warren Buffett
“Do not save what is left after spending, but spend what is left after saving.”- Warren Buffett
“The stock market is a device to transfer money from the impatient to the patient.”- Warren Buffett
“Someone is sitting in the shade today because someone planted a tree a long time ago.” – Warren Buffett
“Predicting rain doesn’t count. Building arks does.” – Warren Buffett
“Only when the tide goes out do you discover who’s been swimming naked.” – Warren Buffett
“If you’re in the luckiest one percent of humanity, you owe it to the rest of humanity to think about the other 99 percent.” – Warren Buffett
“The most important thing to do if you find yourself in a hole is to stop digging.” – Warren Buffet
“Rule No. 1: Never lose money. Rule No. 2: Never forget Rule No. 1.” – Warren Buffett
“You can’t produce a baby in one month by getting nine women pregnant.” – Warren Buffett
“I tell college students, when you get to be my age you will be successful if the people who you hope to have love you, do love you.” – Warren Buffett
“Never depend on a single income. Make an investment to create a second source.” – Warren Buffet
Budgeting certainly gets a bad rap. It’s perceived as boring, constrictive, and unnecessary. Are these really disadvantages of budgeting?
Personally, I think there are way too many benefits of budgeting to let a few excuses keep you from making huge financial gains.
Our lives were drastically changed once we started budgeting, but I won’t lie… it was a bumpy road for the first few months. After we established our budget, we made massive financial gains.
If you don’t believe me, these budgeting quotes will convince you!
“Budgeting has only one rule: Do not go over budget.” – Leslie Tayne
“Don’t tell me where your priorities are. Show me where you spend your money, and I’ll tell you what they are.” -James W. Frick
“Money is a terrible master but an excellent servant.” – P. T. Barnum
“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” – Edmund Burke
“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin
“A budget is more than just a series of numbers on a page; it is an embodiment of our values.” – Barack Obama
“A budget is telling your money where to go instead of wondering where it went.” – Dave Ramsey
“A budget tells us what we can’t afford, but it doesn’t keep us from buying it.” – William Feather
“Budgets are blueprints and priorities.” – Kevin McCarthy
“Doing a budget means learning an ancient and powerful word: NO.” – Dave Ramsey
“Becoming rich is hard. Staying broke is hard. Choose your hard.” – Eric Worre
“If one does not know to which port one is sailing, no wind is favorable.” – Lucius Annaeus Seneca
Saving Money Quotes
Let’s face it… saving money is sexy. There is something amazing about watching your bank account grow. The motivation is intoxicating!
“If you’re saving, you’re succeeding.” – Steve Burkholder
“If you wish to get rich, save what you get. A fool can earn money; but it takes a wise man to save and dispose of it to his own advantage.” – Brigham Young
“The slightest adjustments to your daily routines can dramatically alter the outcomes in your life.” – Darren Hardy
“If you would be wealthy, think of saving as well as getting.” – Benjamin Franklin
“Many folks think they aren’t good at earning money, when what they don’t know is how to use it.” – Frank A. Clark
“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” – Robert Kiyosaki
“The best way to save money is not to lose it.” – Les Williams
“A penny saved is a penny earned.” – Benjamin Franklin
“He who will not economize will have to agonize.” – Confucius
“You must learn to save first and spend afterwards. – John Poole
“Many people take no care of their money till they come nearly to the end of it, and others do just the same with their time.” – Johann Wolfgang von Goethe
“By definition, saving for anything requires us to not get things now so that we can get bigger ones later.” – Jean Chatzky
Being frugal wasn’t always something I was passionate about, but over the past few years, I’ve embraced it with open arms.
The ability to find happiness in what I already own has helped me break terrible spending habits and become debt free.
Frugal living is simple. Live on less than you earn and be happy with what you have! The rewards will fill both your life and your bank account.
I couldn’t create this amazing list of money quotes without dedicating a section to frugality quotes!
“Frugality includes all the other virtues.” – Cicero
“Whatever your income, always live below your means.” – Thomas J. Stanley
“I’ve found that the less stuff I own, the less my stuff owns me.” – Nathan W. Morris
“That man is richest whose pleasures are cheapest.” – Henry David Thoreau
“The speed of your success is limited only by your dedication and what you’re willing to sacrifice.” – Nathan W. Morris
“It is great wealth to a soul to live frugally with a contented mind.” – Lucretius
“Frugality is founded on the principle that all riches have limits.” – Edmund Burke
“It is thrifty to prepare today for the wants of tomorrow.” – Aesop
“Thrift is the best means of thriving.” – Charles J. Hare
“A bargain ain’t a bargain unless it’s something you need.” – Sidney Carroll
“I believe that thrift is essential to well-ordered living.” – John D. Rockefeller
“Being a smart shopper is the first step to getting rich. “– Mark Cuban
“There is no dignity quite so impressive, and no independence quite so important, as living within your means.” – Calvin Coolidge
“A simple life includes living frugally – getting more for less money!” – C Pulsifer
“Frugality is founded on the principal that all riches have limits.”- Edmund Burke
“Life can be beautiful. It doesn’t have to be expensive.”- Christine Louise Hohlbaum
Money Quotes Final Word
Yikes! That was a lot of money quotes!
I’m an incredibly visual person. I find motivation from things like quotes and images. Some of these quotes helped us become debt free, others are going to help us achieve financial independence.
I hope this list of money quotes helps you achieve your financial goals! Remember, you can become debt free, you can achieve financial independence… it takes work and a willingness to go where others wont.
You. Can. Do. This.
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