Quotes about money are a great way to keep you on track as it’s so easy to get lost in the busyness of life. So keep those quotes about money nearby and read them to yourself often. These wealth commands will help you make smarter money choices and help you reach your personal financial goals faster than you thought possible. So read on for the best finance quotes!
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Why Are the Best Finance Quotes Important?
Financial planning can get overwhelming, even causing you to give up sometimes. So when the going gets tough, it’s important to have some motivation by your side, something you can look at and think, ‘this is why I’m doing this.’
It might seem like just a catchy slogan, but when you have enough of these personal finance money quotes around, you’ll find yourself able to gain control of your finances and even closer to your goals of achieving financial freedom.
40 Best Finance Quotes
1. “An investment in knowledge pays the best interest.” — Benjamin Franklin
Investing in yourself is one of the best investments you can make. It pays itself back tenfold when you can successfully invest, know how to manage your money, and make important financial decisions.
You can invest in yourself in many ways, whether you take courses, read books, or hire a financial advisor who can educate you about the latest changes in the industry, ways to invest, or ways to increase your income.
2. “The four most dangerous words in investing are, it’s different this time.” — Sir John Templeton
It’s easy to think ‘things will be better this time,’ but if you look back, history almost always repeats itself. So don’t bet on the ‘underdog’ and think you’ll come out ahead. If you have to make a ‘risky’ investment, don’t use all your money to do it. Instead, make sure you diversify and focus on what history has already shown to be true.
3. “Too many people spend money they earned..to buy things they don’t want..to impress people that they don’t like.” – Will Rogers
This quote says, ‘ don’t keep up with the Joneses.’ Don’t try to impress people. Focus on yourself. You don’t have to drive a certain car, live in a certain size house, or have a certain brand of clothing to ‘fit in.’ Material things don’t buy happiness, and other people’s opinions about you really don’t matter. What you think about yourself is what matters.
4. “I don’t look to jump over seven-foot bars; I look around for one-foot bars that I can step over.” — Warren Buffett
Don’t overcomplicate things. Successful investing relies on simple decisions. So don’t get caught up in the tricky financial tricks that promise to make you money. Instead, stick with the basics. Warren Buffett himself focuses on value stocks and not the complicated investments the stock market offers, and we all see where that has gotten him. If we could have even half of his level of success, we’d become wealthy by investing too.
5. “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
It can be boring to watch investments, much like watching grass grow or paint dry, but in the end, your patience will pay off. Don’t look for the excitement. Real wealth builds when you are slow and steady.
Related Article: Wealth Accumulation: The Complete Guide to Building Wealth
6. “Bottoms in the investment world don’t end with four-year lows; they end with 10- or 15-year lows.” — Jim Rogers
Don’t be afraid to invest even when the market is down. Rich people focus on long-term investments, and what goes down must come back up, right? History proves this is the case. Therefore, every investor should act consistently, which means consistently investing even when things seem ‘down.’
7. “Wide diversification is only required when investors do not understand what they are doing.” — Warren Buffett
You may not be sure where to put your money when you’re new to investing, so you spread it out amongst many investments to lower your risk. It’s a good practice in financial fitness, but as you gain experience, you can narrow your investments to the areas you know will make you money, diversifying less but hyper-focused on the areas you know you’ll win.
8. “Time is more value than money. You can get more money, but you cannot get more time.” – Jim Rohn
Your time is worth money. Every minute you give up to do something else is an opportunity cost. You can always find ways to make more money. You can work while you have as much energy as possible. You can start side hustles, invest, or cut back on spending, but time is something you will never get back.
9. “Returns matter a lot. It’s our capital.” — Abigail Johnson
Your rate of return determines how much money you can accumulate. The higher the rate of return, the more money you’ll have when you cash in your investment. Your contributions aren’t the capital – the rate of return is.
10. “Fortune befriends the bold.” – Emily Dickinson
You won’t make money sitting around hoping something falls in your lap. You have to be bold. Any individual investor should act consistently, investing in different assets, monitoring their portfolio, and making necessary changes to reach the level of financial freedom they desire.
11. “I will tell you how to become rich. Close the doors. Be fearful when others are greedy. Be greedy when others are fearful.” — Warren Buffett
Don’t follow the masses. How many millionaires do you think got where they are by following what everyone else does? If they did, they would be millionaires too. Do the opposite of what everyone else is doing, and making money won’t seem like a foreign concept.
12. “Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one.”- Benjamin Franklin
Money doesn’t buy happiness. In fact, the more you have, the harder it gets. So you have to find happiness within yourself and not base it on how much money you have. If you’ve ever seen happy poor people (they do exist), you’ll see that it’s not about your money but what’s inside your heart. This doesn’t mean you don’t need money in your savings accounts and investments, but it means don’t look to your money for happiness.
13. “The question isn’t at what age I want to retire, it’s at what income.” – George Foreman
Focusing on a specific age to retire won’t get you anywhere. What if you don’t have enough money at that point? Instead of focusing on an age, focus on the dollar amount. How much money till you can retire? That’s the question to ask yourself and the question that will motivate you to keep going after your goals.
Related Article: 65 Best Investing Quotes for Building Wealth!
14. “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 have a million dollars and blow it in 5 years, you aren’t any better off than the poor people around you. No matter how much money you make, if you don’t have the right money mindset and handle your money well, you won’t reach your personal finance goals. So focus instead on making your money work for you rather than how you can work for your money.
15. “Not money, Not skills, but Time is the biggest lever for massive wealth creation.” – Manoj Arora
The longer you let your money sit and grow, the more money you’ll have. Time is your friend, and when you use it wisely, you’ll have what you need when you need it. You don’t need a lot of money or special skills to become even a millionaire – it all comes down to time.
16. “With a good perspective on history, we can have a better understanding of the past and present, and thus a clear vision of the future.” — Carlos Slim Helu
Don’t jump ship when things go bad. Look back at history. The stock market always bounces back. It may not be tomorrow or even next year, but it always straightens itself out, and those that stick it out are the ones that come out ahead.
17. “You get recessions, you have stock market declines. If you don’t understand that’s going to happen, then you’re not ready, you won’t do well in the markets.” — Peter Lynch
Don’t give up just because the economy declined. Life happens. Expect it. When you stick it out and roll with the punches, you’ll be more likely to join forces with established millionaires than if you jumped ship afraid of what might happen.
18. “Formal education will make you a living; self-education will make you a fortune.” – Jim Rohn
Formal education is necessary to get a good job and climb the corporate ladder, but it’s really self-education that will get you where you need to go. For example, millionaires have seven streams of income, only one of which is their job. The other six streams are self-made, and all come from self-education.
19. “The stock market is filled with individuals who know the price of everything, but the value of nothing.” — Phillip Fisher
The stock market is filled with investors who might or might not know what they’re investing in. If you just follow the masses, you’ll miss the very essence of successful investing. So instead, educate yourself and do your research, making your own decisions about the right investments.
Related Article: 17 Legit Ways To Get Free Stocks In Your Portfolio
20. “The more you learn, the more you earn.” – Warren Buffet
You are never too old to learn. Continually educate yourself and learn new things about personal finance. Whether you’re investing in savings accounts, stocks, bonds, or even real estate, read as much as you can get your hands on to constantly earn more.
21. “The goal isn’t more money. The goal is living life on your terms.” – Chris Brogan
You aren’t measured by how much money you have, but rather on how you live your life. If you live life the way you want and not base it on anyone else’s goals or what they say is right or wrong, you’ll be much happier than if you had millions of dollars in your pocket, yet you were living someone else’s life.
22. “It’s not whether you’re right or wrong that’s important, but how much money you make when you’re right and how much you lose when you’re wrong.” — George Soros
You can’t make money on being right. So instead, give up the forever control and focus on how much money you make. That’s what’s going to take you places. When you are right, you’ll make a lot of money, but when you’re wrong, you’ll know enough to cut your losses and make money when you are right.
23. “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
Your worth isn’t based on what you own. It’s based on who you are and what you stand for. Just because you make a lot of money doesn’t mean you have to drive a fancy car and live in a mansion. If you give money back and invest money in your future, you’ll be happy with your personal finance situation and live a much happier life than if you collected things.
24. “Beware of little expenses; a small leak will sink a great ship.” – Benjamin Franklin
Little expenses can add up fast. You might think it’s only a $1 or $2 here or there, but those small expenses turn into something much larger that you can’t afford before you know it. So this is one of those personal finance quotes that you should keep in your wallet, purse, or phone to curb those impulse buys and think about the future instead.
25. “The biggest risk of all is not taking one.” — Mellody Hobson
You can’t make money without risking money. The more aggressively you invest, the more money you’ll make, but you’ll never be able to make that money if you don’t take a chance.
26. “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
Don’t do what everyone else is doing. Instead, march to the beat of your own drum when it comes to investing. If everyone is jumping ship, you stay on, and you jump off if everyone is staying on.
27. “Given a 10% chance of a 100 times payoff, you should take that bet every time.” — Jeff Bezos
You never know when something will work and pay you off in ways you never imagined. Just like at Amazon. If Jeff Bezos never took that leap, where would he be today? The same is true for you. So take the chance because you never know what might work.
28. “Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris
When you borrow money, you’re borrowing from your future self. So just when you think you’re making money, you’re actually robbing your future self because you’re spending money you don’t have now but will have to pay off in the future.
29. “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” – Ayn Rand
Money might buy you what you want, but money itself doesn’t buy happiness. It’s just a means to the end result.
30. “Financial planning and discipline is key to one’s financial freedom.” – Kishorkumar Balpalli
You can’t expect your bank account to have the money you need if you don’t plan. Financial planning takes time and effort, as does financial discipline. Knowing where your money goes, how you’ll meet your personal finance goals, and when you can and cannot spend money is the key to financial freedom.
31. “Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.” – Warren Buffett
Of all financial quotes, this is one to live by no matter what. What better advice than to never lose money? It might feel like a pipe dream, but with the right amount of research, planning, and tracking historical performance, you could be on your way to never losing money.
32. “Wealth, like a tree, grows from a seed. The sooner you plant that seed the sooner shall the tree grow.” – George S. Clason
The earlier you invest money, the more time it has to grow. Every penny you invest today will be worth more tomorrow. This is one of those quotes about money that makes you realize it is never not enough to invest. Even if you’re talking pennies – invest it, and you’ll watch the fruits of your labor grow.
33. “To contract new debts is not the way to pay old ones.” – George Washington
If you borrow money, you’re robbing yourself of future money. So borrowing money to pay old debts only prolongs the future self you’re stealing from. So instead, pay your old debts with your own money, not borrowed money.
34. “How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” – Robert G. Allen
Savings accounts are there to provide access to funds you need immediately. Beyond those funds, any other funds should be invested using long-term growth strategies, so you have much more money available when you need it in retirement.
35. “Wealth consists not in having great possessions, but in having few wants.” – Epictetus
True wealth occurs when you achieve your goals. It’s not measured by possessions or how well you stack up to people around you. The fewer wants you have, the more focus you can put on achieving your goals and feeling happy.
36. “Rather go to bed supperless, than rise in debt.” – Benjamin Franklin
While we don’t recommend starving yourself, it’s better not to have something than to borrow from your future self to have it now.
37. “A wise person should have money in their head, but not in their heart.” – Jonathan Swift
When you have money in your heart, it can drive you to do unethical things to get it. However, you will make much smarter money decisions and have a positive money mindset when you have money in your head.
38. “Money won’t create success, the freedom to make it will.” – Nelson Mandela
However you see fit, your ability to make money will help you create success. The money is just a thing, but the work behind it helps you have the money you want to reach financial freedom.
Related Article: FIRE Movement: How to Unlock Freedom and Flexibility
39. “Money is a terrible master but an excellent servant.” – P.T. Barnum
When you are in debt, money is your master, and it’s terrible. But when you don’t have debt, you are in charge of your money, and it’s a wonderful servant. Don’t let money be your tyrant.
40. “If saving money is wrong, I don’t want to be right!” – William Shatner
This is one of our favorite personal finance quotes! If saving money is wrong, then no one should want to be right. A stocked savings account, a well-balanced portfolio, and plenty of other investments are the only ways to build wealth and reach your financial goals.
Use these best quotes of all time to keep you on track with your budget, spending, investing, and overall financial goals. These best finance quotes are all a great reminder of what we should and shouldn’t do as we navigate our budget and try to achieve financial freedom.
Samantha Hawrylack is a personal finance expert and full-time entrepreneur with a passion for writing and SEO. She holds a Bachelor’s in Finance and Master’s in Business Administration and previously worked for Vanguard, where she held Series 7 and 63 licenses. Her work has been featured in publications like Grow, MSN, CNBC, Ladders, Rocket Mortgage, Quicken Loans, Clever Girl Finance, Credit Donkey, Crediful, Investing Answers, Well Kept Wallet, AllCards, Mama and Money, and Concreit, among others. She writes in personal finance, real estate, credit, entrepreneurship, credit card, student loan, mortgage, personal loan, insurance, debt management, business, productivity, and career niches.