132 Empowering Quotes about Money and Personal Finance

September 13, 2019

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Over the 3 years on my podcast, I've had the pleasure of speaking with a collection of millionaire entrepreneurs, early retirees and personal finance experts. These conversations have allowed me to learn, grow and inspire others to win with their finances and create a better future for their family.

After each episode, I share a quote that motivates me and the listeners of the podcast to take action.

Below I've compiled a list of my favorite quotes from my first 150 episodes in the following categories:

  • Plan Your Future Wealth Quotes
  • Make Money Quotes
  • Protect Your Family Quotes
  • Save Money Quotes
  • Crush Debt Quotes

Here are the 132 quotes that have lit a fire under me to win with my money:

Plan Your Future Wealth

Theodore Roosevelt
Theodore Roosevelt

“The only man who never makes mistakes is the man who never does anything.”

-Theodore Roosevelt

“A dream doesn't become reality through magic; it takes sweat, determination and hard work.”

-Colin Powell

“Money, like emotions, is something you must control to keep your life on the right track.”

-Natasha Munson

“All our dreams can come true, if we have the courage to pursue them.”

-Walt Disney

“A formal education will make you a living; self-education will make you a fortune.”

– Jim Rohn

“Timing, perseverance, and 10 years of trying will eventually make you look like an overnight success.”

– Biz Stone (co-founder of Twitter)

“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

“We make a living by what we get, but we make a life by what we give.”

-Winston Churchill

“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

“The best way to predict the future is to create it.”

– Abraham Lincoln

“Patience and diligence, like faith, remove mountains.”

– William Penn

“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

“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

“It’s better to look ahead and prepare than to look back and regret.”

– Jackie Joyner-Kersee

“A good plan, violently executed now, is better than a perfect plan next week.”

― George Patton

“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

“The only thing that overcomes hard luck is hard work.”

-Harry Golden

“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

“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

“Financial freedom is available to those who learn about it and work for it.”

― Robert Kiyosaki

“The greatest wealth is to live content with little.”

– Plato

“Stay committed to your decisions, but stay flexible in your approach.”

– Tony Robbins

“The way to achieve your own success is to be willing to help somebody else get it first.”

– Iyanla Vanzant

“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

“You can’t build a reputation on what you’re going to do.”

– Confucius

“Without leaps of imagination or dreaming, we lose the excitement of possibilities. Dreaming, after all is a form of planning.”

― Gloria Steinem

“A journey of a thousand miles must begin with a single step.”

—Lao Tzu

“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

“All you need is the plan, the road map, and the courage to press on to your destination.”

– Earl Nightingale

“It’s not the man who has too little, but the man who craves more, that is poor.” 


“Do one thing every day that scares you.”

-Eleanor Roosevelt

“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

“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

“If you want to live a happy life, tie it to a goal, not to people or things.”

– Albert Einstein

“We should remember that good fortune often happens when opportunity meets with preparation.” 

― Thomas A. Edison

“Being rich is having money; being wealthy is having time.”

— Margaret Bonnano

“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

Related Article: How to Increase Your Net Worth by $800,000 in 8 Years

Make Money

Benjamin Franklin
Benjamin Franklin

“Diligence is the mother of good luck.”

-Benjamin Franklin

“What you do speaks so loudly that I cannot hear what you say.”

-Ralph Waldo Emerson

“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

“Don’t look for the needle in the haystack. Just buy the haystack.”

-Jack Bogle

“There is a gigantic difference between earning a great deal of money and being rich.”

– Marlene Dietrich

“Give me six hours to chop down a tree and i will spend the first four sharpening the axe.”

– Abraham Lincoln

“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.”

– Edmund Burke

“Follow your passion; it will lead you to your purpose.”

– Oprah Winfrey

“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

“No one has ever become poor by giving.”

– Anne Frank

“Everything is negotiable. Whether or not the negotiation is easy is another thing.”

– Carrie Fisher

“Yesterday ended last night. Today is a brand-new day.”

-Zig Ziglar

“Buy land. They’re not making it anymore.”

– Mark Twain

“Don’t wait to buy real estate. Buy real estate and wait.”

–Will Rogers

“Wealth is largely the result of habit.”

—John Jacob Astor

“Our greatest glory is not in never failing, but in rising every time we fall.”


“Buying real estate is not only the best way, the quickest way, the safest way, but the only way to become wealthy.” 

-Marshall Field

“Passion is the genesis of genius.”

— Tony Robbins

“The stock market is designed to transfer money from the active to the patient.”

– Warren Buffet

“The major fortunes in America have been made in land.”

-John D. Rockefeller

“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

“Do what you love. When you love your work, you become the best worker in the world.“

– Uri Geller

Related Article:  How I Took My Salary from 5-Figures to 6-Figures in 7 Steps

Protect Your Family



“A man who does not plan long ahead will find trouble right at his door.”


“Love begins by taking care of the closest ones – the ones at home.”

-Mother Teresa

“Action is the foundational key to all success.”

-Pablo Picasso

“I am prepared for the worst, but hope for the best.”

-Benjamin Disraeli

“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.

“Marriage is not a noun; it’s a verb. It isn’t something you get. It’s something you do.”  

-Barbara De Angelis

“Families are the compass that guides us. They are the inspiration to reach great heights, and our comfort when we occasionally falter.”

-Brad Henry

“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

“Honesty is the highest form of intimacy.”


“Always plan ahead:  it wasn’t raining when noah built the ark.”

– Richard Cushing

“Alone we can do so little; together, we can do so much.”

-Helen Keller

“Our greatest natural resource is in the minds of our children”

– Walt Disney

“The greatest gift you can give your children are the roots of responsibility and the wings of independence.”

-Dennis Waitley

“A perfect relationship isn’t actually perfect, it’s just that both people never give up.”

– Anonymous

“Children are great imitators. So give them something great to imitate.”

– Anonymous

“Tell me and I forget, teach me and I may remember, involve me and I learn.”

– Benjamin Franklin

“Children are the living messages we send to a time we will not see.”

-John F Kennedy

“One day, someone will walk into your life and make you see why it never worked out with anyone else.”


“No one is useless in this world who lightens the burdens of another.”

-Charles Dickens

“No amount of money or success can take the place of time spent with your family.”


“Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.”

― Dave Ramsey

“A great marriage is not when the ‘perfect couple’ comes together. It is when an imperfect couple learns to enjoy their differences.”

– Dave Meurer

“When we give cheerfully and accept gratefully, everyone is blessed.”

— Maya Angelou

“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

“I’m not a perfect parent, but I’m exactly the parent my child needs.” 


“Other things may change us, but we start and end with the family.”

–Anthony Brandt

“The goal in marriage is not to think alike, but to think together.”

– Robert C. Dodds

Being deeply loved by someone gives you strength, while loving someone deeply gives you courage.

– Lao Tzu

“The most important thing in the world is family and love.”

– John Wooden

“Children learn more from what you are, than what you teach.”

– W.E.B. Du Bois

“The only rock I know that stays steady, the only institution I know that works, is the family.”    

–Lee Iacocca

“An ounce of blood is worth more than a pound of friendship.”

-Spanish Proverb

“Never get so busy making a living that you forget to make a life.”

– Dolly Parton

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

Save Money

Joe Biden
Joe Biden


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

–Joe Biden

“Reject the basic assumptions of civilization, especially the importance of material possessions.”

-Chuck Palahniuk

“A budget is telling your money where to go instead of wondering where it went.”

-Dave Ramsey

“It takes as much energy to wish as it does to plan.”

– Eleanor Roosevelt

“The real voyage of discovery consists in not seeking new landscapes, but in having new eyes.”

– Marcel Proust

“The value we provide most to others is the same value we appreciate most from others.”

– Simon Sinek

“What you get by achieving your goals is not as important as what you become by achieving your goals.”

– Henry David Thoreau

“Never spend your money before you’ve earned 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

“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

“Do not save what is left after spending; instead spend what is left after saving.”

― Warren Buffett

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”

—Ayn Rand

“I believe my life’s gonna see, the love I give returned to me.”

– John Mayer

“Unless commitment is made, there are only promises and hopes; but no plans.”

― Peter F. Drucker

“A budget is more than just a series of numbers on a page; it is an embodiment of our values.”

-Barack Obama

“If you would be wealthy, think of saving as well as getting.”

–Benjamin Franklin

“If there is no struggle, there is no progress.”

-Frederick Douglass

“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

Related Article:  15-Year Mortgage Paid Off in 5 Years

Crushing Debt

Muhammad Ali
Muhammad Ali

“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

“Setting goals is the first step in turning the invisible into the visible.” -Tony Robbins

“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

“Victory is always possible for the person who refuses to stop fighting.” -Napoleon Hill

“You can, you should, and if you’re brave enough to start, you will.” -Steven King

“Do something today that your future self will thank you for.” – Anonymous

“A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty.” -Winston Churchill

“You will never reach your destination if you stop and throw stones at every dog that barks.” -Winston Churchill

“Both poverty and riches are the offspring of thought.” -Napolean Hill

“The greater the obstacle, the more glory in overcoming it.”– Moliere

“Start by doing what’s necessary; then do what’s possible; and suddenly you are doing the impossible.”-Frances of Assisi

“Don’t let your learning lead to knowledge. Let your learning lead to action”-Jim Rohn

“Whether you think you can or you think you can’t, you’re right.”― Henry Ford

“Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.”– Thomas Edison

“Success is not final; failure is not fatal: It is the courage to continue that counts.”– Winston S. Churchill

“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

It is only through labor and painful effort, by grim energy and resolute courage; that we move on to better things.”– Theodore Roosevelt

“I don’t focus on what I’m up against. I focus on my goals and I try to ignore the rest.”— Venus Williams

“Every new beginning comes from some other beginnings end.”-Seneca

“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Josh Billings

“Success is the sum of small efforts, repeated day in and day out.” — Robert Collier

Related Article: How We Paid off $48,032 of Debt in 1 Year

Your Net-Worth Boosting Resource

If you're interested in wealth planning, making money, saving money, protecting your family and crushing debt, please join me on for the next episode of the Marriage, Kids and Money Podcast.

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Carpe Diem!

What quotes motivate you to win with your money?

Please let me know in the comments below.

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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