55 Personal Finance Quotes To Inspire Your Path To Financial Freedom

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 55 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

dave ramsey personal finance quotes

"You’ve got to tell your money what to do or it will leave.” 


Dave Ramsey

  • "Every time you borrow money, you're robbing your future self." - Nathan Morris
  • "Do not save what is left after spending, but spend what is left after saving."- Warren Buffet
  • "Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver." - Ayn Rand
  • "The most difficult thing is the decision to act, the rest is merely tenacity." – Amelia Earhart
  • "You’ve got to tell your money what to do or it will leave.” –Dave Ramsey
  • "Live like no one else so later you can live and give like no one else.” —Dave Ramsey
  • "The secret to getting ahead is getting started.” –Mark Twain

"The art is not in making money, but in keeping it." - Proverb

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Planning and investing

  • "I am prepared for the worst, but hope for the best.” - Benjamin Disraeli
  • "Beware of little expenses. A small leak will sink a great ship."- Benjamin Franklin
  • "Financial peace of mind is not determined by how much we make, but is dependent upon how much we spend!" - Marvin J. Ashton
  • "Diligence is the mother of good luck.” - Benjamin Franklin
  • "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
  • "An investment in knowledge pays the best interest." - Benjamin Franklin
  • "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

"I am prepared for the worst, but hope for the best.” - Benjamin Disraeli

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Dreaming and setting goals

personal finance quotes

"All our dreams can come true, if we have the courage to pursue them.” - Walt Disney

 Walt Disney

Making and saving money

  • "The art is not in making money, but in keeping it." - Proverb
  • "Never spend your money before you have earned it." - Thomas Jefferson
  • "Try to save something while your salary is small; it’s impossible to save after you begin to earn more." -Jack Benny
  • "A penny saved is a penny earned. " – Ben Franklin
  • "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
  • "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 question isn’t at what age I want to retire, it’s at what income." – George Foreman
  • "Just because you can afford it doesn’t mean you should buy it.” –Suze Orman
  • "Don't tell me what you value, show me your budget, and I'll tell you what you value." - Joe Biden

"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

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Inspiring personal finance quotes

personal finance quotes

“Success consists of going from failure to failure without loss of enthusiasm.”

Winston Churchill

  • "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
  • "Often when you think you’re at the end of something, you’re at the beginning of something else.” – Fred Rogers
  • "It is our choices, that show what we truly are, far more than our abilities. " - J. K Rowling
  • "If you really want to do something, you will find a way. If you don’t, you will find an excuse” -Jim Rohn
  • "A wise person should have money in their head, but not in their heart." - Jonathan Swift
  • "Financial literacy is just as important in life as the other basics." - John W. Rogers, Jr
  • "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
  • "It takes as much energy to wish as it does to plan." - Eleanor Roosevelt
  • "Rich people have small TVs and big libraries, and poor people have small libraries and big TVs." - Zig Ziglar

"Financial literacy is just as important in life as the other basics." - John W. Rogers, Jr

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Funny money quotes

steve martin

"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

  • "Money often costs too much." - Ralph Waldo Emerson
  • "A nickel ain't worth a dime anymore." - Yogi Berra
  • "If your ship doesn’t come in, swim out to meet it!" - Jonathan Winters
  • "It is better to have a permanent income than to be fascinating. " - Oscar Wilde
  • "People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily." - Zig Ziglar
  • "Money isn’t everything, but it’s right up there with oxygen." -  Zig Ziglar

Quotes about financial freedom

personal finance quotes

"The struggle for financial freedom is very unfair. Just look at the rewards." 

Manoj Arora

  • "Working because you want to, not because you have too is financial freedom." -  Tony Robbins
  • "A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life." - Suze Orman
  • "The best thing money can buy is financial freedom" - Rob Berger
  • "Financial freedom is available to those who learn about it and work for it." - Robert Kiyosaki
  • "Pursuing your passion is fulfilling and leads to financial freedom." - Robert G. Allen
  • "Financial freedom is freedom from fear." - Robert Kiyosaki
  • "Wealth is the ability to fully experience life." - Henry David Thoreau
  • "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
  • "When you understand that your self-worth is not determined by your net-worth, then you'll have financial freedom." - Suze Orman

"Working because you want to and not because you have to is financial freedom.” - Tony Robbins

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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!  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 your?

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

About the Author

Hello, I'm Ryan Rollins. I've been passionate about personal finance and entrepreneurship for as long as I can remember. After earning my Bachelors of Science in Business and Marketing, I soon found myself at my first software start-up. That experience led to me earning my MBA in Entrepreneurship from the University of Louisville, and eventually to a career in the fintech industry focusing on educating consumers about the importance of being financially resilient. Learn more about me here, and you can also follow me on twitter @TMPF_Ryan and Linkedin.

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