94 Powerful Personal Finance Quotes To Inspire You

We all need a little financial inspiration every now and then.  No matter if you are just getting started learning how to manage, save or make more money when charging down the path to financial freedom, you’ll need to stay motivated. Here are 94 personal finance quotes that can fuel, motivate and empower you! 

Once you’re motivated, it’s just a matter of learning the basics of personal finance and getting to work! 

inspiring personal finance quotes

Building wealth

These personal finance quotes were penned by people who know quite a bit about building wealth.

  1. “You’ve got to tell your money what to do or it will leave.” – Dave Ramsey
  2. “Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris
  3. “Do not save what is left after spending, but spend what is left after saving.”- Warren Buffett
  4. “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” – Ayn Rand
  5. “The most difficult thing is the decision to act, the rest is merely tenacity.” – Amelia Earhart
  6. “Live like no one else so later you can live and give like no one else.” – Dave Ramsey
  7. “The secret to getting ahead is getting started.” – Mark Twain
  8. “Being rich is having money; being wealthy is having time.” – Margaret Bonanno
  9. “A dream doesn’t become reality through magic; it takes sweat, determination and hard work.” – Colin Powell
  10. “There is nothing at all wrong with having money unless money has you.” – Norman Vincent Peale
  11.  “Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.” – Albert Einstein
  12. “We should remember that good fortune often happens when opportunity meets with preparation.” – Thomas Edison

Planning and investing

  1. “I am prepared for the worst, but hope for the best.” – Benjamin Disraeli
  2. Beware of little expenses. A small leak will sink a great ship.”- Benjamin Franklin
  3. “Financial peace of mind is not determined by how much we make, but is dependent upon how much we spend!” – Marvin J. Ashton
  4. “Diligence is the mother of good luck.” – Benjamin Franklin
  5. “Calling someone who trades actively in the market an investor is like calling someone who repeatedly engages in one-night stands a romantic.” – Warren Buffett
  6. “An investment in knowledge pays the best interest.” – Benjamin Franklin
  7. “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
  8. “The rich invest in time, the poor invest in money.” Warren Buffett
  9. 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
  10. “The stock market is designed to transfer money from the active to the patient.” – Warren Buffett
  11. “Sometimes your best investments are the ones you do not make.” – Donald Trump
  12. “Behind every stock is a company. Find out what it’s doing.” – Peter Lynch

Dreaming and setting goals

  1. “All our dreams can come true, if we have the courage to pursue them.” Walt Disney
  2. “Setting goals is the first step in turning the invisible into the visible.” – Tony Robbins
  3. “If we had no winter, the spring would not be so pleasant; if we did not sometimes taste of adversity, prosperity would not be so welcome.” – Anne Bradstreet
  4. “You’ve got to get up every morning with determination if you’re going to go to bed with satisfaction.” – George Lorimer
  5. “You are never too old to set a new goal or dream a new dream.” – C.S. Lewis
  6. “There is no passion to be found playing small—in settling for a life that is less than the one you are capable of living.” – Nelson Mandela
  7. “Money was never a big motivation for me, except as a way to keep score. The real excitement is playing the game.” – Donald Trump
  8. “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
  9. “Forget about the fast lane. If you really want to fly, harness your power to your passion. Honor your calling. Everybody has one. Trust your heart, and success will come to you.” – Oprah Winfrey
  10. “Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do.” – Steve Jobs

Making and saving money

  1. “The art is not in making money, but in keeping it.” – Proverb
  2. “Never spend your money before you have earned it.” – Thomas Jefferson
  3. “Try to save something while your salary is small; it’s impossible to save after you begin to earn more.” -Jack Benny
  4. “A penny saved is a penny earned. ” – Ben Franklin
  5. “If you can, you will quickly find that the greatest rate of return you will earn is on your own personal spending. Being a smart shopper is the first step to getting rich.” – Mark Cuban
  6. “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
  7. “The question isn’t at what age I want to retire, it’s at what income.” – George Foreman
  8. “Just because you can afford it doesn’t mean you should buy it.” –Suze Orman
  9. “Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” – Joe Biden
  10. “The real measure of your wealth is how much we’d be worth if we lost all our money.” – Benjamin Jowett
  11. “Getting rich is easy. Staying rich is harder.” – Donald J. Trump
  12. “Without wisdom, gold is quickly lost by those who have it.” – George S. Clason 
  13. “Money has no grey areas. You either make it or you lose it.” – Kevin O’Leary
  14. “Inflation is the crabgrass in your savings.” Robert Orben

Personal finance quotes about giving back

  1. “Put your life in service to your values rather than putting your time in service to money.” – Vicki Robin
  2. “When we give cheerfully and accept gratefully, everyone is blessed.” – Maya Angelou
  3. “Once we’re above the survival level, the difference between prosperity and poverty lies simply in our degree of gratitude.” – Vicki Robin

Inspirational personal finance quotes

  1. “Success consists of going from failure to failure without loss of enthusiasm.” – Winston Churchill
  2. “Impossible is just a word thrown around by small men who find it easier to live in the world they’ve been given than to explore the power they have to change it. Impossible is not a fact. It’s an opinion. Impossible is potential. Impossible is temporary. Impossible is nothing.” – Muhammad Ali
  3. “Often when you think you’re at the end of something, you’re at the beginning of something else.” – Fred Rogers
  4. “It is our choices, that show what we truly are, far more than our abilities. ” – J. K Rowling
  5. “If you really want to do something, you will find a way. If you don’t, you will find an excuse” –Jim Rohn
  6. “A wise person should have money in their head, but not in their heart.” – Jonathan Swift
  7. “Financial literacy is just as important in life as the other basics.” – John W. Rogers, Jr
  8. “Everyday 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
  9. “It takes as much energy to wish as it does to plan.” – Eleanor Roosevelt
  10. “Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.” – Zig Ziglar
  11. “If you want to live a happy life, tie it to a goal, not to people or things.” – Albert Einstein
  12. “Trade money for time, not time for money. You’re going to run out of time first.” – Naval Ravikant

Funny money quotes

  1. “I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of socks. Got a fur sink. An electric dog polisher. A gasoline powered turtleneck sweater. And, of course, I bought some dumb stuff, too.” – Steve Martin
  2. “Money often costs too much.” – Ralph Waldo Emerson
  3. “A nickel ain’t worth a dime anymore.” – Yogi Berra
  4. “If your ship doesn’t come in, swim out to meet it!” – Jonathan Winters
  5. “Don’t look for the needle in the haystack. Just buy the haystack.” – Jack Bogle
  6. “It is better to have a permanent income than to be fascinating. ” – Oscar Wilde
  7. “People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily.” – Zig Ziglar
  8. “Money isn’t everything, but it’s right up there with oxygen.” –  Zig Ziglar
  9. “There is a gigantic difference between earning a great deal of money and being rich.” – Marlene Dietrich
  10. “Buy land. They’re not making it anymore.” – Mark Twain
  11. “Money is the best deodorant.” – Elizabeth Taylor
  12. “Money can’t buy happiness, but it will certainly get you a better class of memories.” – Ronald Reagan
  13. “Every day I get up and look through the Forbes list of the richest people in America. If I’m not there, I go to work” – Robert Orben
  14. “All else being equal, invest in the company with the fewest color photographs in the annual report.” – Peter Lynch

Quotes about financial freedom

  1. “The struggle for financial freedom is very unfair. Just look at the rewards.” – Manoj Arora
  2. “Rich people believe, ‘I create my life.’ Poor people believe, ‘Life happens to me.” – T. Harv Eker
  3. “Working because you want to, not because you have too is financial freedom.” –  Tony Robbins
  4. “A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” – Suze Orman
  5. “The best thing money can buy is financial freedom” – Rob Berger
  6. “Financial freedom is available to those who learn about it and work for it.” – Robert Kiyosaki
  7. “Pursuing your passion is fulfilling and leads to financial freedom.” – Robert G. Allen
  8. “Financial freedom is freedom from fear.” – Robert Kiyosaki
  9. “Wealth is the ability to fully experience life.” – Henry David Thoreau
  10. “My definition of financial freedom is simple: it is the ability to live the lifestyle you desire without having to work or rely on anyone else for money.” – T. Harv Eker
  11. “When you understand that your self-worth is not determined by your net worth, then you’ll have financial freedom.” – Suze Orman
  12. The only real security that a man can have in this world is a reserve of knowledge, experience and ability. – Henry Ford
  13. “If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” – Edmund Burke
  14. “I’d like to live as a poor man with lots of money.” – Pablo Picasso
  15. “Money is a terrible master but an excellent servant.” – P.T. Barnum
  16. “If you live for having it all, what you have is never enough.” – Vicki Robin
  17. “It’s not the man who has too little, but the man who craves more, that is poor.” – Seneca

Wrapping up

The path to financial freedom is more a marathon than a race. So make sure you’re keeping yourself motivated for the long run!  

It takes more than a few personal finance quotes to keep you on the path to financial success. But the lessons these leaders impart in their magic words have remarkable value.

If you’re looking for other ways to start tightening up your finances, make sure you aren’t making these common personal finance mistakesYou’ll be glad you did.

What other personal finance quotes have you heard that inspired yours?

Leave a comment below and let us know!  Maybe you’ll be able to inspire someone else!