70+ Best Personal Finance Quotes to Inspire Your Money Habits

You don’t have to be a financial expert to appreciate good advice. Sometimes, a simple quote is all it takes to reset your mindset and get back on track with your money goals.

This list is packed with personal finance quotes that are smart, simple, and surprisingly relatable. Some are serious. Some are funny. All of them will leave you thinking about your money just a little differently—and maybe even better.

Quotes About Personal Finance

• “Do not save what is left after spending, but spend what is left after saving.” — Warren Buffett​
• “A budget is telling your money where to go instead of wondering where it went.” — Dave Ramsey​
• “Beware of little expenses; a small leak will sink a great ship.” — Benjamin Franklin​
• “The art is not in making money, but in keeping it.” — Proverb​
• “Too many people spend money they haven’t earned to buy things they don’t want to impress people they don’t like.” — Will Rogers​
• “Money is a terrible master but an excellent servant.” — P.T. Barnum​
• “It’s not your salary that makes you rich, it’s your spending habits.” — Charles A. Jaffe​
• “The quickest way to double your money is to fold it over and put it back in your pocket.” — Will Rogers​
• “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​
• “Money looks better in the bank than on your feet.” — Sophia Amoruso​
• “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” — Ayn Rand​
• “A wise person should have money in their head, but not in their heart.” — Jonathan Swift​
• “The person who doesn’t know where his next dollar is coming from usually doesn’t know where his last dollar went.” — Denise Duffield-Thomas​
• “Financial independence is paramount. My mom always says that when a woman is financially independent, she has the ability to live life on her own terms.” — Priyanka Chopra​
• 9. “You cannot escape the responsibility of tomorrow by evading it today.” – Abraham Lincoln
• “You can make excuses and earn sympathy, or you can make money and earn admiration. The choice is always yours.” — Manoj Arora

Motivational Quotes About Personal Finance

• “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
• “The question isn’t at what age I want to retire, it’s at what income.” — George Foreman
• “Not money, Not skills, but Time is the biggest lever for massive wealth creation.” — Manoj Arora
• “The more you learn, the more you earn.” — Warren Buffet
• “Rich people focus on opportunities. Poor people focus on obstacles.” — Harv Eker
• “There is no monopoly on becoming a millionaire. If you’re jealous of those with more money, don’t just sit there and complain—do something to make more money yourself.” — Gina Rinehart
• “At least eighty percent of millionaires are self-made. That is, they started with nothing but ambition and energy, the same way most of us start.” — Brian Tracy

Quotes About Financial Freedom

• “The goal isn’t more money. The goal is living life on your terms.” — Chris Brogan​
• “Working because you want to, not because you have to is financial freedom.” — Tony Robbins​
• “Financial freedom is freedom from fear.” — Robert Kiyosaki​
• “A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” — Suze Orman​
• “Money grows on the tree of persistence.” — Japanese Proverb​
• “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​
• “Financial freedom is mental, emotional, and educational process.” — Robert Kiyosaki​
• “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​
• “Money can’t buy happiness, but it will certainly get you a better class of memories.” — Ronald Reagan​
• “When you know the impact of little expenses, you will realise that there is nothing little in this world.” — Manoj Arora
• “Financial planning and discipline is key to one’s financial freedom.” — Kishorkumar Balpalli

Quotes About Money Mindset and Values

• “If you live for having it all, what you have is never enough.” — Vicki Robin​
• “Wealth consists not in having great possessions, but in having few wants.” — Epictetus​
• “The gratification of wealth is not found in mere possession or in lavish expenditure, but in its wise application.” — Miguel de Cervantes Saavedra
• “Wealth, like a tree, grows from a seed. The sooner you plant that seed the sooner shall the tree grow.” — George S. Clason
• To get rich, you have to be making money while you’re asleep.” — David Bailey
• “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
• “Money often costs too much.” — Ralph Waldo Emerson
• “The money you have gives you freedom; the money you pursue enslaves you.” — Jean-Jacques Rousseau​
• “Focusing your life solely on making a buck shows a poverty of ambition. It asks too little of yourself. And it will leave you unfulfilled.” — Barack Obama
• “Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” — Joe Biden​
• “We make a living by what we get, but we make a life by what we give.” — Winston Churchill
• “The real measure of your wealth is how much you’d be worth if you lost all your money.” — Unknown​

Quotes About Debt and Financial Struggles

• “The lack of money is the root of all evil.” — Mark Twain​
• “Every time you borrow money, you’re robbing your future self.” — Nathan W. Morris​
• “Interest on debts grows without rain.” — Yiddish Proverb​
• “Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.” — Ogden Nash​
• “A man in debt is so far a slave.” — Ralph Waldo Emerson​
• “Debt is the slavery of the free.” — François-Auguste Mignet​
• “Debt is the new American slavery, and its chains are made of credit cards.” — Elizabeth Warren​
• “The borrower is slave to the lender.” — Proverbs 22:7​
• “He who is quick to borrow is slow to repay.” — German Proverb​
• “Debt is like any other trap, easy enough to get into, but hard enough to get out of.” — Josh Billings
• “Debt is a form of bondage. It is a financial termite.” — Joseph B. Wirthlin​
• “Debt is the secret foe of thrift, as vice and disease are of health.” — James H. Aughey​
• “Debt is the worst poverty.” — Thomas Fuller​
• “To contract new debts is not the way to pay old ones.” — George Washington
• “Financial struggle is often the direct result of people working all their lives for someone else.” — Robert Kiyosaki

Funny Quotes About Personal Finance

• “The best way to teach your kids about taxes is by eating 30% of their ice cream.” — Bill Murray​
• “A bank is a place that will lend you money if you can prove that you don’t need it.”— Bob Hope
• “If you think nobody cares if you’re alive, try missing a couple of car payments.” — Earl Wilson
• “Budget: a mathematical confirmation of your suspicions.” — A.A. Latimer
• “There is a very easy way to return from a casino with a small fortune: go there with a large one.” — Jack Yelton
• “I have enough money to last me the rest of my life, unless I buy something.” — Jackie Mason
• “When I was young, I thought that money was the most important thing in life; now that I am old, I know that it is.” — Oscar Wilde
• “Money can’t buy happiness, but it can make you awfully comfortable while you’re being miserable.” — Clare Boothe Luce
• “If saving money is wrong, I don’t want to be right!” — William Shatner
• “Christmas is the season when you buy this year’s gifts with next year’s money.” — Unknown
• “Money, if it does not bring you happiness, will at least help you be miserable in comfort.” — Helen Gurley Brown