It can be a source of stress and anxiety, or it can be a tool that empowers us to live our best lives.
No matter what your relationship with money is, there’s bound to be a money quote out there that resonates with you.
Below are 150 money quotes ranging from inspiration to save money, motivation to make more money, and even advice from some of the wealthiest people on how the rich invest.
How to use money quotes
Quotes about money and success can provide insights into your own financial situation and help motivate you to make positive changes.
Read through the list below and find the money quotes that speak to you.
Then, post them where you can see them (on your fridge, in your office, etc.) as a reminder to stay motivated and focused on your financial goals.
Also, share them with friends or family members who could benefit from some extra inspiration when it comes to money.
Types of money quotes
There are money quotes for literally every aspect of finance from budgeting and saving to investing and philanthropy and everything in between.
The quotes below are separated into categories to help you find the ones that resonate with where you are in your financial journey.
Use these shortcuts to jump to the sections that interest you right now.
- Top 25 Money Quotes
- Quotes About Saving Money
- Quotes About Wealth Building and Making Money
- Quotes About Investing
- Quotes About Spending
- Quotes About Debt
- Quotes Reaffirming There’s More to Life Than Money
- Funny Quotes About Money
- Money Mindset Quotes
- Quotes About Success
- Quotes About Philanthropy
Top 25 money quotes
Money quotes can be motivational, inspirational, and sometimes downright funny.
Here are 25 of the best money quotes for every occasion:
“Money is a terrible master but an excellent servant.” – P.T. Barnum
“Never spend your money before you have it.” – Thomas Jefferson
“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
“If you live for having it all, what you have is never enough.” – Vicki Robin
“Wealth is not about having a lot of money; it’s about having a lot of options.” – Chris Rock
“Too many people spend money they earned..to buy things they don’t want..to impress people that they don’t like.” – Will Rogers
“Money never made a man happy yet, nor will it. There is nothing in its nature to produce happiness. The more a man has, the more he wants. Instead of filling a vacuum, it makes one.” – Benjamin Franklin
“Wealth after all is a relative thing since he that has little and wants less is richer than he that has much and wants more.” – Charles Caleb Colton
“The person who doesn’t know where his next dollar is coming from usually doesn’t know where his last dollar went.”- Unknown
“It’s good to have money and the things that money can buy, but it’s good, too, to check up once in a while and make sure that you haven’t lost the things that money can’t buy.” – George Lorimer
“Wealth is not his that has it, but his that enjoys it.” – Benjamin Franklin
“Time is more valuable than money. You can get more money, but you cannot get more time.”- Jim Rohn
“That man is richest whose pleasures are cheapest.”- Henry David Thoreau
“Spend your money on the things money can buy. Spend your time on the things money can’t buy.”- Haruki Murakami
“Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.” – Dave Ramsey
“Not everything that can be counted counts, and not everything that counts can be counted.” – Albert Einstein
“It is not the man who has too little, but the man who craves more, that is poor.”- Seneca
“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”- Ayn Rand
“Remember that the only purpose of money is to get you what you want, so think hard about what you value and put it above money.”- Ray Dalio
“Wealth consists not in having great possessions, but in having few wants.”- Epictetus
“We make a living by what we get, but we make a life by what we give.” – Winston Churchill
“Not he who has much is rich, but he who gives much.”- Erich Fromm
“Money is like muck—not good unless it be spread.”- Francis Bacon
“The real measure of your wealth is how much you’d be worth if you lost all your money.” – Anonymous
Save money quotes
Saving money is one of the most important things you can do for your financial future.
Saving money can feel like an impossible goal, but it doesn’t have to be.
Here are some money quotes about saving to inspire you:
“Try to save something while your salary is small; it’s impossible to save after you begin to earn more.” – Jack Benny
“If you would be wealthy, think of saving as well as getting.” – Ben Franklin
“The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind.” – T.T. Munger
“Frugality includes all the other virtues.” – Cicero
Quotes about wealth and making more money
Most people think that the key to building wealth is making more money.
But, in reality, it’s about spending less than you earn.
If you can do that consistently, you will eventually become wealthy.
Here are some quotes about wealth to motivate you:
“Wealth is the ability to fully experience life.” – Henry David Thoreau
“Wealth is like seawater; the more we drink, the thirstier we become, and the same is true of fame.” – Arthur Schopenhauer
“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” – Edmund Burke
“No wealth can ever make a bad man at peace with himself.” – Plato
“Money is good for nothing unless you know the value of it by experience.” – P.T Barnum
“There are a great many people accumulating what they think is vast wealth, but it’s only money.” – Alan Watts
“Wealth does not make people happy, but positive increases in wealth may.” – Nassim Nicholas Taleb
“A sign of wealth: No longer needing an alarm clock to wake up.” – Greg Isenberg
“It’s easy to say you don’t care about money when you have plenty of it.” – Ransom Riggs
“Real wealth is not about money.
Real wealth is:
- not having to go to meetings
- not having to spend time with jerks
- not being locked into status games
- not feeling like you have to say “yes”
- not worrying about others claiming your time and energy
Real wealth is about freedom. Money can help achieve these things, but there are plenty of people who make lots of money yet aren’t free.” – James Clear
Quotes for successful investing
Investing is one of the best ways to make a lot of money and accumulate wealth over time. But it can be a daunting subject, especially with the potential to lose money.
Here are some quotes about investing to inspire you:
“Buy when everyone else is selling and hold until everyone else is buying. That’s not just a catchy slogan. It’s the very essence of successful investing.” – J. Paul Getty
“How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” – Robert G. Allen
“Only buy something that you’d be perfectly happy to hold if the market shuts down for ten years.” – Warren Buffett
“The individual investor should act consistently as an investor and not as a speculator.” – Ben Graham
“When buying shares, ask yourself, would you buy the whole company?” – Rene Rivkin
“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 stock market is filled with individuals who know the price of everything, but the value of nothing.” – Phillip Fisher
“Courage is being scared to death, but saddling up anyway.” – John Wayne
“Don’t let the fear of losing be greater than the excitement of winning.” – Robert Kiyosaki
“If you took our top fifteen decisions out, we’d have a pretty average record. It wasn’t hyperactivity, but a hell of a lot of patience. You stuck to your principles and when opportunities came along, you pounced on them with vigor.” – Charlie Munger
“If you have trouble imagining a 20% loss in the stock market, you shouldn’t be in stocks.” – John Bogle
“The stock market is designed to transfer money from the active to the patient.” – Warren Buffett
“An investment in knowledge pays the best interest.” – Benjamin Franklin
“If you want to get rich, remember that the way to do it is via equity, not salary.” – Sam Altman
“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
Quotes about how people spend money
How we spend our money determines how successful we are with it.
If you want to create success with money, here are some money quotes about budgeting and money management that will help:
“Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” – Joe Biden
“Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.” – William A. Ward
“To acquire money requires valor, to keep money requires prudence, and to spend money well is an art.” – Berthold Auerbach
“Many folks think they aren’t good at earning money when what they don’t know is how to use it.” – Frank A. Clark
“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
“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
“Know what you own, and know why you own it.” – Peter Lynch
“Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.” – Charles Dickens
“The rich invest their money and spend what is left; the poor spend their money and invest what is left.” – Jim Rohn
“Money moves from those who do not manage it to those who do.” – Dave Ramsey
“If you cannot control your emotions, you cannot control your money.” – Warren Buffett
Money Quotes About Debt
Many of us struggle with debt and the temptation to overspend.
Here are some money quotes about debt to motivate you to make informed decisions and stay out of debt.
“There are three kinds of people: the haves, the have-nots, and the have-not-paid-for-what-they-haves.” – Earl Wilson
“Some people use one-half of their ingenuity to get into debt, and the other half to avoid paying it.” – George Prentice
“Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.” – Ogden Nash
“Many delight more in giving of presents than in paying their debts.” – Sir Philip Sydney
“Remember this: debt is a form of bondage. It is a financial termite.” – Joseph P. Wirthlin
“A hundred wagon loads of thoughts will not pay a single ounce of debt.” – Italian Proverb
“Buy what thou hast no need of, and ere long thou shalt sell thy necessaries.” – Benjamin Franklin
“It is the debtor that is ruined by hard times.” – Rutherford B. Hayes
“There are but two ways of paying debt: Increase of industry in raising income, increase of thrift in laying out.” – Thomas Carlyle
“Before borrowing money from a friend, decide which you need most.” – American Proverb
“Buying on the installment plan makes the months shorter and the years longer.” – Unknown
“Chains of habit are too light to be felt until they are too heavy to be broken.” – Warren Buffet
“Credit buying is much like being a drunk. The buzz happens immediately, and it gives you a lift. The hangover comes the day after.” – Joyce Brothers
“Creditors have better memories than debtors.” – Benjamin Franklin
“Debt can turn a free, happy person into a bitter human being.” – Michael Mihalik
“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Henry Wheeler Shaw
“Debt is the slavery of the free. – Publilius Syrus
“Debts are like children – begot with pleasure, but brought forth with pain.” – Moliere
“Don’t let your mouth write no check that your tail can’t cash.” – Bo Diddley
“Good times are when people make debts to pay in bad times.” – Robert Quinlin
“Here is an equation worth remembering: Five dollars earned minus seven dollars spent equals an unhappy life.” – Jon Morrison
“Home life ceases to be free and beautiful as soon as it is founded on borrowing and debt.” – Henrik Isben
“Many a man thinks he is buying pleasure when he’s really selling himself to it.” – Benjamin Franklin
“Who goes a borrowing, goes a sorrowing.” – Thomas Tusser
“Christmas is the season when you buy this year’s gifts with next year’s money.” -Unknown
There’s more to life than money
Money isn’t everything.
All the money in the world can’t buy you happiness.
Here are some quotes about life that remind us of what’s really important:
“He who loses money loses much; He who loses a friend loses much more; He who loses faith loses all.” – Eleanor Roosevelt
“Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort.” – Franklin D. Roosevelt
“Everyone wants to ride with you in the limo, but what you want is someone who will take the bus with you when the limo breaks down.” – Oprah Winfrey
“You can only become truly accomplished at something you love. Don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you.” – Maya Angelou
“If money is your hope for independence you will never have it. The only real security that a man will have in this world is a reserve of knowledge, experience, and ability.” – Henry Ford
“Live as if you were to die tomorrow. Learn as if you were to live forever.” – Mahatma Gandhi
“It doesn’t matter about money; having it, not having it. Or having clothes, or not having them. You’re still left alone with yourself in the end.” – Billy Idol
“The money you have gives you freedom; the money you pursue enslaves you.” – Jean-Jacques Rousseau
“Money often costs too much.” – Ralph Waldo Emerson
The best things in life aren’t things. – Art Buchwald
Funny quotes about money
It’s not all seriousness when we’re talking about money.
Here are some funny money quotes to make you laugh:
“While money can’t buy happiness, it certainly lets you choose your own form of misery.” – Groucho Marx
“A nickel ain’t worth a dime anymore.” – Yogi Berra
“If all the economists were laid end to end, they’d never reach a conclusion.” – George Bernard Shaw
“I made my money the old-fashioned way. I was very nice to a wealthy relative right before he died.” – Malcolm Forbes
“People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily.” – Zig Ziglar
“I’d like to live as a poor man with lots of money.” – Pablo Picasso
“Money isn’t everything…but it ranks right up there with oxygen.” – Rita Davenport
“I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of
“Money may not buy happiness, but I’d rather cry in a Jaguar than on a bus.” – Françoise Sagan
“If you want to know what a man is really like, take notice of how he acts when he loses money.”- Simone Weil
“It’s amazing how fast later comes when you buy now.”- Milton Berle
Quotes to improve your money mindset
Money mindset is hugely important when it comes to our relationship with money.
If you want to change how you think about money, here are some quotes to inspire you:
“Within certain limits, it is actually true that the less money you have, the less you worry.” – George Orwell
“Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” – Norman Vincent Peale
“Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris
“I have not failed. I’ve just found 10,000 ways that won’t work.” – Thomas A. Edison
“If you don’t value your time, neither will others. Stop giving away your time and talents. Value what you know & start charging for it.” – Kim Garst
“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
“Let him who would enjoy a good future waste none of his present.” – Roger Babson
“You can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something – your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.” – Steve Jobs
“If your ship doesn’t come in, swim out to meet it!” – Jonathan Winters
“A real entrepreneur is somebody who has no safety net underneath them.” – Henry Kravis
“As long as you’re going to be thinking anyway, think big.” – Donald Trump
“If plan A fails, remember there are 25 more letters.” – Chris Guillebeau
“Do the one thing you think you cannot do. Fail at it. Try again. Do better the second time. The only people who never tumble are those who never mount the high wire. This is your moment. Own it.” – Oprah Winfrey
“Believe you can and you’re halfway there.” – Theodore Roosevelt
“Persist – don’t take no for an answer. If you’re happy to sit at your desk and not take any risk, you’ll be sitting at your desk for the next 20 years.” – David Rubenstein
“My old father used to have a saying: If you make a bad bargain, hug it all the tighter.” – Abraham Lincoln
“It takes as much energy to wish as it does to plan.” – Eleanor Roosevelt
“Fortune sides with him who dares.” – Virgil
“It is better to have a permanent income than to be fascinating.” – Oscar Wilde
“Stop buying things you don’t need, to impress people you don’t even like.” – Suze Orman
“Money grows on the tree of persistence.” – Japanese proverb
Quotes about success
Success with money is a lot like success with anything else; It takes hard work, dedication, and perseverance.
If you want to achieve financial success, here are some quotes to inspire you:
“Develop success from failures. Discouragement and failure are two of the surest stepping stones to success.” – Dale Carnegie
“Let no feeling of discouragement prey upon you, and in the end, you are sure to succeed.” – Abraham Lincoln
“The only place where success comes before work is in the dictionary.” – Vidal Sassoon
“Success is walking from failure to failure with no loss of enthusiasm.” – Winston Churchill
“Without continual growth and progress, such words as improvement, achievement, and success have no meaning.” – Benjamin Franklin
“My formula for success is rise early, work late, and strike oil.” – JP Getty
“I had a considerable passion to get rich, not because I wanted Ferraris – I wanted the independence. I desperately wanted it.” – Charlie Munger
“Success is not the result of making money; earning money is the result of success – and success is in direct proportion to our service.” – Earl Nightingale
“It’s how you deal with failure that determines how you achieve success.” – David Feherty
“What we really want to do is what we are really meant to do. When we do what we are meant to do, money comes to us, doors open for us, we feel useful, and the work we do feels like play to us.” – Julia Cameron
Quotes about philanthropy
Investing in philanthropic endeavors is a great way to spend your money.
Not only will you feel good about yourself, but you’ll also be investing in the future.
Here are some money quotes about philanthropy:
“Don’t judge each day by the harvest you reap, but by the seeds you plant.” – Robert Louis Stevenson
“A man of humanity is one who…desiring attainment for himself, helps others to attain.” – Confucius
“I absolutely believe in the power of tithing. My own experience is that the more I give away, the more that comes back. That is the way life works.” – Ken Blanchard
“No one has ever become poor by giving.” – Anne Frank
“It is in giving that we receive.” – Francis of Assisi
“Happiness comes from giving, not getting.” – John Templeton
That’s a lot of quotes!
Hopefully, you found some to help motivate and inspire you along your financial journey. Let me know in the comments which are your favorites, or if you have one to add to the list above.