140 Empowering Quotes about Money and Personal Finance

September 15, 2020

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There's just something about a good quote that motivates me. Since I'm into personal finance, quotes about money and finances are especially inspiring.

After each episode of my podcast, I share a quote that motivates me and the listeners to take action. I call them my “Carpe Diem” quotes because I feel like “seizing the day” after hearing them.

Below I've compiled a list of my favorite quotes about money from my first 200 episodes in the following categories:

  • Wealth
  • Making Money
  • Family First
  • Giving Back
  • Saving Money
  • Financial Planning

Here are 140 personal finance quotes that have lit a fire under me to win with my money:

Quotes About Building Wealth

happy woman enjoying freedom
  1. “Being rich is having money; being wealthy is having time.” — Margaret Bonanno
  2. “The only man who never makes mistakes is the man who never does anything.” ― Theodore Roosevelt
  3. “A dream doesn't become reality through magic; it takes sweat, determination and hard work.” ― Colin Powell
  4. “Money, like emotions, is something you must control to keep your life on the right track.” ― Natasha Munson
  5. “All our dreams can come true if we have the courage to pursue them.” ― Walt Disney
  6. “A formal education will make you a living; self-education will make you a fortune.” ― Jim Rohn
  7. “Timing, perseverance, and 10 years of trying will eventually make you look like an overnight success.” ― Biz Stone (co-founder of Twitter)
  8. “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
  9. “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
  10. “Patience and diligence, like faith, remove mountains.” ― William Penn
  11. “The secret of getting ahead is getting started. The secret to getting started is breaking your complex overwhelming tasks into small manageable tasks and then starting on the first one.” ― Mark Twain
  12. “Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.” ― Pablo Picasso
  13. “It’s better to look ahead and prepare than to look back and regret.” ― Jackie Joyner-Kersee
  14. “A good plan, violently executed now, is better than a perfect plan next week.” ― George Patton
  15. “Before you can become a millionaire, you must learn to think like one. You must learn how to motivate yourself to counter fear with courage.” —Thomas J. Stanley
  16. “The only thing that overcomes hard luck is hard work.” ― Harry Golden
  17. “Don’t live the same day over and over again and call that a life. Life is about evolving mentally, spiritually, and emotionally.” ― Germany Kent
  18. “To live is to choose. But to choose well, you must know who you are and what you stand for, where you want to go and why you want to get there.” ― Kofi Annan
  19. “Financial freedom is available to those who learn about it and work for it.” ― Robert Kiyosaki
  20. “The greatest wealth is to live content with little.” ― Plato
  21. “Stay committed to your decisions, but stay flexible in your approach.” ― Tony Robbins
  22. “We all have dreams. But in order to make dreams come into reality, it takes an awful lot of determination, dedication, self-discipline, and effort.” ― Jesse Owens
  23. “Without leaps of imagination or dreaming, we lose the excitement of possibilities. Dreaming, after all, is a form of planning.” ― Gloria Steinem
  24. “If you want to be financially free, you need to become a different person than you are today and let go of whatever has held you back in the past.” — Robert Kiyosaki
  25. “It’s not the man who has too little, but the man who craves more, that is poor.” ― Seneca
  26. “Do one thing every day that scares you.” ― Eleanor Roosevelt
  27. “All successful people men and women are big dreamers. They imagine what their future could be, ideal in every respect, and then they work every day toward their distant vision, that goal or purpose.” ― Brian Tracy
  28. “Be bold enough to use your voice, brave enough to listen to your heart, and strong enough to live the life you have always imagined.” ― Anonymous
  29. “Knowledge is power: you hear it all the time but knowledge is not power. It’s only potential power. It only becomes power when we apply it and use it. Somebody who reads a book and doesn’t apply it, they’re at no advantage over someone who’s illiterate. None of it works unless you work. We have to do our part. If knowing is half the battle, action is the second half of the battle.” ― Jim Kwik
  30. “Belief in oneself and knowing who you are … that's the foundation for everything great.” ― Jay-Z

Related Article: How to Increase Your Net Worth by $1,000,000 in 10 Years

Quotes About Making Money

Man adjusting his suit
  1. “Diligence is the mother of good luck.” — Benjamin Franklin
  2. “What you do speaks so loudly that I cannot hear what you say.” — Ralph Waldo Emerson
  3. “The greater danger for most of us lies not in setting our aim too high and falling short; but in setting our aim too low, and achieving our mark.” — Michelangelo
  4. “Don’t look for the needle in the haystack. Just buy the haystack.” Jack Bogle
  5. “There is a gigantic difference between earning a great deal of money and being rich.” — Marlene Dietrich
  6. “Give me six hours to chop down a tree and I will spend the first four sharpening the axe.” — Abraham Lincoln
  7. “If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” — Edmund Burke
  8. “Follow your passion; it will lead you to your purpose.” — Oprah Winfrey
  9. “A journey of a thousand miles must begin with a single step.” — Lao Tzu
  10. “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
  11. “No one has ever become poor by giving.” — Anne Frank
  12. “Everything is negotiable. Whether or not the negotiation is easy is another thing.” — Carrie Fisher
  13. “Yesterday ended last night. Today is a brand-new day.” Zig Ziglar
  14. “Buy land. They’re not making it anymore.” — Mark Twain
  15. “Don’t wait to buy real estate. Buy real estate and wait.” — Will Rogers
  16. “Wealth is largely the result of habit.” — John Jacob Astor
  17. “Our greatest glory is not in never failing, but in rising every time we fall.” — Confucius
  18. “Buying real estate is not only the best way, the quickest way, the safest way, but the only way to become wealthy.” — Marshall Field
  19. “Passion is the genesis of genius.” — Tony Robbins
  20. “The stock market is designed to transfer money from the active to the patient.” — Warren Buffett
  21. “The major fortunes in America have been made in land.” — John D. Rockefeller
  22. “If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it.” — Steve Jobs
  23. “Do what you love. When you love your work, you become the best worker in the world.“ — Uri Geller
  24. “We should remember that good fortune often happens when opportunity meets with preparation.” ― Thomas A. Edison
  25. “If you want to live a happy life, tie it to a goal, not to people or things.” – Albert Einstein
  26. “The way to achieve your own success is to be willing to help somebody else get it first.” ― Iyanla Vanzant
  27. “All you need is the plan, the road map, and the courage to press on to your destination.” ― Earl Nightingale
  28. “You can’t build a reputation on what you’re going to do.” ― Confucius
  29. “The best way to predict the future is to create it.” ― Abraham Lincoln
  30. “It takes as much energy to wish as it does to plan.” ― Eleanor Roosevelt

Related ArticleHow I Took My Salary from 5-Figures to 6-Figures in 7 Steps

Family First Quotes

  1. “A man who does not plan long ahead will find trouble right at his door.” ― Confucius
  2. “Love begins by taking care of the closest ones – the ones at home.” ― Mother Teresa
  3. “Action is the foundational key to all success.” ― Pablo Picasso
  4. “I am prepared for the worst, but hope for the best.” ― Benjamin Disraeli
  5. “The function of education is to teach one to think intensively and to think critically. Intelligence plus character – that is the goal of true education.” ― Martin Luther King, Jr.
  6. “Marriage is not a noun; it’s a verb. It isn’t something you get. It’s something you do.” ― Barbara De Angelis
  7. “Families are the compass that guides us. They are the inspiration to reach great heights, and our comfort when we occasionally falter.” ― Brad Henry
  8. “All good men and women must take responsibility to create legacies that will take the next generation to a level we could only imagine.” Jim Rohn
  9. “Honesty is the highest form of intimacy.” ― Unknown
  10. “Always plan ahead:  it wasn’t raining when Noah built the ark.” ― Richard Cushing
  11. “Our greatest natural resource is in the minds of our children” ― Walt Disney
  12. “The greatest gift you can give your children are the roots of responsibility and the wings of independence.” ― Dennis Waitley
  13. “A perfect relationship isn’t actually perfect, it’s just that both people never give up.”Anonymous
  14. “Children are great imitators. So give them something great to imitate.” ― Anonymous
  15. “Tell me and I forget, teach me and I may remember, involve me and I learn.” ― Benjamin Franklin
  16. “Children are the living messages we send to a time we will not see.” John F Kennedy
  17. “One day, someone will walk into your life and make you see why it never worked out with anyone else.” Unknown
  18. “No amount of money or success can take the place of time spent with your family.” ― Unknown
  19. “Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.” ― Dave Ramsey
  20. “A great marriage is not when the ‘perfect couple’ comes together. It is when an imperfect couple learns to enjoy their differences.” ― Dave Meurer
  21. “I’m not a perfect parent, but I’m exactly the parent my child needs.” ― Anonymous
  22. “Other things may change us, but we start and end with the family.” Anthony Brandt
  23. “The goal in marriage is not to think alike, but to think together.” ― Robert C. Dodds
  24. Being deeply loved by someone gives you strength while loving someone deeply gives you courage. Lao Tzu
  25. “The most important thing in the world is family and love.” ― John Wooden
  26. “Children learn more from what you are, than what you teach.” – W.E.B. Du Bois
  27. “The only rock I know that stays steady, the only institution I know that works, is the family.” Lee Iacocca
  28. “An ounce of blood is worth more than a pound of friendship.” ― Spanish Proverb
  29. “Never get so busy making a living that you forget to make a life.” ― Dolly Parton
  30. “Making the decision to have a child — it’s momentous. It is to decide forever to have your heart go walking outside your body.” ― Elizabeth Stone

Related Article:  5 Term Life Insurance Providers That Make the Process Easy

Quotes About Giving Back

Giving back
  1. “How wonderful it is that nobody need wait a single moment before starting to improve the world.” ― Anne Frank
  2. “We make a living by what we get, but we make a life by what we give.” ― Winston Churchill
  3. “When we give cheerfully and accept gratefully, everyone is blessed.” — Maya Angelou
  4. “My idea of Christmas, whether old-fashioned or modern, is very simple: loving others. Come to think of it, why do we have to wait for Christmas to do that?” — Bob Hope
  5. “Alone we can do so little; together, we can do so much.” ― Helen Keller
  6. “Remember that the happiest people are not those getting more, but those giving more.” ― H. Jackson Brown Jr.
  7. “I believe my life’s gonna see, the love I give returned to me.” ― John Mayer
  8. “No one is useless in this world who lightens the burdens of another.” ― Charles Dickens

Related Article: How to Make Charitable Giving a Family Tradition

Quotes About Saving Money

Saving Money
  1. “Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” ― Joe Bide
  2. “Reject the basic assumptions of civilization, especially the importance of material possessions.” ― Chuck Palahniuk
  3. “A budget is telling your money where to go instead of wondering where it went.” ― Dave Ramsey
  4. “It takes as much energy to wish as it does to plan.” ― Eleanor Roosevelt
  5. “The real voyage of discovery consists in not seeking new landscapes, but in having new eyes.” ― Marcel Proust
  6. “The value we provide most to others is the same value we appreciate most from others.”Simon Sinek
  7. “What you get by achieving your goals is not as important as what you become by achieving your goals.” ― Henry David Thoreau
  8. “Never spend your money before you’ve earned it.” ― Thomas Jefferson
  9. “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
  10. “Sacrifice is a part of life. It’s supposed to be. it’s not something to regret. It’s something to aspire to.” Mitch Albom
  11. “Do not save what is left after spending; instead spend what is left after saving.” ― Warren Buffett
  12. “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” — Ayn Rand
  13. “Unless commitment is made, there are only promises and hopes; but no plans.” ― Peter F. Drucker
  14. “A budget is more than just a series of numbers on a page; it is an embodiment of our values.” ― Barack Obama
  15. “If you would be wealthy, think of saving as well as getting.” ― Benjamin Franklin
  16. “If there is no struggle, there is no progress.” ― Frederick Douglass
  17. “No person has the power to have everything they want, but it is in their power not to want what they don’t have, and to cheerfully put to good use what they do have.”― Seneca
  18. “Debt is like any other trap, easy enough to get into, but hard enough to get out of.” ― Josh Billings
  19. “The key is not to prioritize what’s on your schedule, but to schedule your priorities. ― Stephen Covey

Related ArticleHow We Paid Off Our Mortgage in 5 Years

Financial Planning Quotes

Man deciding direction
  1. “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
  2. “Setting goals is the first step in turning the invisible into the visible.” ― Tony Robbins
  3. “You don't try to forget the mistakes, but you don't dwell on it. You don't let it have any of your energy, or any of your time, or any of your space.” ― Johnny Cash
  4. “Victory is always possible for the person who refuses to stop fighting.” ― Napoleon Hill
  5. “You can, you should, and if you’re brave enough to start, you will.” ― Steven King
  6. “Do something today that your future self will thank you for.” ― Anonymous
  7. “A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty.” ― Winston Churchill
  8. “You will never reach your destination if you stop and throw stones at every dog that barks.”  ― Winston Churchill
  9. “Both poverty and riches are the offspring of thought.” ― Napolean Hill
  10. “The greater the obstacle, the more glory in overcoming it.” ― Moliere
  11. “Start by doing what’s necessary; then do what’s possible; and suddenly you are doing the impossible.” ― Frances of Assisi
  12. “Don’t let your learning lead to knowledge. Let your learning lead to action” ― Jim Rohn
  13. “Whether you think you can or you think you can’t, you’re right.” ― Henry Ford
  14. “Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.”– Thomas Edison
  15. “Success is not final; failure is not fatal: It is the courage to continue that counts.”– Winston S. Churchill
  16. “You have to set goals that are almost out of reach. If you set a goal that is attainable without much work or thought, you are stuck with something below your true talent and potential.”—Steve Garvey
  17. “It is only through labor and painful effort, by grim energy and resolute courage; that we move on to better things.”– Theodore Roosevelt
  18. “I don’t focus on what I’m up against. I focus on my goals and I try to ignore the rest.”— Venus Williams
  19. “Every new beginning comes from some other beginnings end.”-Seneca
  20. “Success is the sum of small efforts, repeated day in and day out.” — Robert Collier
  21. “How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” ― Robert G. Allen
  22. “What you’re thinking is what you’re becoming.” ― Muhammad Ali
  23. “The four most dangerous words in investing are: ‘this time it's different.” ― Sir John Templeton

Related Article: How to Create Your Financial Independence Plan

Final Thoughts on Empowering Quotes About Money and Personal Finance

These financial quotes are just what you need to hit your personal finance goals!

For more motivation with building wealth, making money, protecting your family, giving back, saving money and financial planning, please join me on for the next episode of the Marriage, Kids and Money Podcast.

Carpe Diem!

What personal finance quotes motivate you to win with your money?

Please let me know in the comments below.

Quotes About Money and Personal Finance

Andy Hill

Andy Hill is the award-winning writer, speaker and podcaster behind Marriage, Kids and Money - a platform dedicated to helping young families build wealth and thrive. Andy's advice and personal finance experience has been featured in major media outlets like Business Insider, MarketWatch, Kiplinger’s Personal Finance and NBC News. Trusted as a personal finance influencer and corporate financial wellness speaker by global brands like JLL, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world. When he's not "talking money", Andy enjoys wrestling with his two kids, singing karaoke with his wife and watching Marvel movies.


    • He’s a wise man, isn’t he? I may be naive but I feel like he wants us to win. Yes, Vanguard makes money from us but I feel a sense of trust with their company more than most other companies.

  • “Don’t tell me what you value, show me your budget, and I’ll tell you what you value.”

    This one is my favorite! I think it’s absolutely 100% true. I’ve been helping someone with their budget in the last few months, and this is something that I’ve been trying to get them to understand. They make plenty of money to be financially secure, yet they are still stressed out each month living paycheck to paycheck. They think they value planning ahead and being prepared, but the budget shows otherwise 🙂

    • It is very true! Examining our budget every once in a while to ensure our money is spent in ways that truly reflect what’s most important to us is a good habit to adopt. But … this is coming from a guy who would rather budget than watch most sports. Grain. Of. Salt.

  • Great quotes Andy! Thanks for sharing.

    I’m a sucker for Napoleon Hill – “You are the master of your destiny. You can influence, direct and control your own environment. You can make your life what you want it to be.”

  • Love this. I’m partial to the Robert Kiyosaki quote. I don’t agree with everything he has to say on personal finance, but there’s no arguing with the need to leave behind what’s holding you back in order to achieve meaningful change.


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