Personal finance is all about managing your hard earned money. It’s the process of making money, saving money, building wealth and preserving it. So, considering that over 77% of American households have at least some type of debt, we decided to rounded up these insightful quotes about personal finance.[1]
Our hope is that these quotes will not only inspire you to want to become a better money manager, but also give you some hope that financial success is possible for you. So, if you’re ready for a powerful collection of personal finance quotes then let’s dive right in:
BEST QUOTES ABOUT PERSONAL FINANCE
1. “Money is a terrible master but an excellent servant.” – P.T. Barnum
2. “The best thing money can buy is financial freedom.” – Rob Berger
3. “If you don’t find a way to make money while you sleep, you will work until the day you die.” – Warren Buffett
4. “It’s not your salary that makes you rich; it’s you spending habits.” – Charles A. Jaffe
5. “He who buys what he does not need, steals from himself.’ – Swedish proverb
6. “It’s not about having lots of money. It’s about knowing how to manage it.” – Personal Finance Quote
7. “An investment in knowledge pays the best interest.” – Benjamin Franklin
8. “Our acts can be no wiser than our thoughts, our thinking can be no wiser than our understanding.” – George S. Clason
9. “You must gain control of your money, or the lack of it will forever control you.” – Dave Ramsey
10. “It is thrifty to prepare today for the wants of tomorrow.” – Aesop
Personal Finance Quotes About Making Money
11. “Formal education will make you a living; self-education will make you a fortune.” – Jim Rohn
12. “I’m not trying to make friends, I’m trying to make money.” – Kevin O’Leary
13. “Make your money work so hard for you; so that you don’t have to work for it.” – Napoleon Hill
14. “The way to become rich is to make money, not to save it.” – Kate Chopin
15. “It’s more important to grow your income that cut your expenses. It’s more important to grow your spirit than cut your dreams.’ – Robert Kiyosaki
16. “It’s simple arithmetic: Your income can grow only to the extent you do.” – T. Harv Eker
17. “The longer you’re not taking action the more money you’re losing.” – Carrie Wilkerson
18. “You can make money two ways — make more, or spend less.” – John Hope Byrant
19. “There is a limit to how much you can cut but there is no limit to how much you can earn.” – Ramit Sethi
20. “The more your learn, the more you earn.” – Warren Buffett
Personal Finance Quotes About Saving Money
21. “If you would be wealthy, think of saving as well as getting.” – Benjamin Franklin
22. “The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind.” – Theodore T. Munger
23. “Save your money and one day your money will save you.” – Personal Finance Quote
24. “One of the most powerful ways to increase your savings isn’t to raise your income. It’s to raise your humility.” – Morgan Housel
25. “Prosperity is the fruit of labor. It begins with saving money.” – Abraham Lincoln
26. “Don’t blame your income for the fact that you’re not saving money.” – Ric Edelman
27. “Savings without a mission is garbage. Your money needs to work for you, not lie around.” – Dave Ramsey
28. “The fastest way to double your money is to fold them in half and put them in your pocket.” – Andrew Carnegie
29. “Do not save what is left after spending, but spend what is left after saving.” – Warren Buffett
30. “If you’re saving you’re succeeding.” – Steve Burkholder
Personal Finance Quotes About Building Wealth
31. “The secret to creating lasting financial change is to pay yourself first and then make it automatic.” – David Bach
32. “Your passive income should be greater than your earned income.” – Grant Cardone
33. “The rich invest in time, the poor invest in money.” – Warren Buffett
34. “On average, millionaires invest 20% of their household income each year. Their wealth isn’t measured by the amount they make each year, but by how they’ve saved and invested over time.” – Ramit Sethi
35. “When your money makes more than you do, you are officially wealthy.” – Dave Ramsey
36. “The No. 1 thing people can do to increase their wealth is to start a part-time business.” – Robert T. Kiyosaki
37. “Debt is not a tool; it is a method to make banks wealthy, not you.” – Dave Ramsey
38. “Focus on all four of your net worth factors: increasing your income, increasing your savings, increasing your investment returns, and decreasing your cost of living by simplyfing your lifestyle.” – T. Harv Eker
39. “If you want to become wealthy, then you have to find out what the top 5% of people do financially and do the same thing.” – Myron Golden
40. “To build wealth today, you must be in your own business.” – J. Paul Getty
Personal Finance Quotes About Debt
41. “He that goes a borrowing goes a sorrowing.” – Benjamin Franklin
42. “Too many people spend money they earned… to buy things they don’t want… to impress people they don’t like.” – Will Rogers
43. “Never spend money before you have it.” – Thomas Jefferson
44. “Pay off your debt first. Freedom from debt is worth more than any amount you can earn.” – Mark Cuban
45. “Debt basically enables people to live a lie.” – Rachel Cruze
46. “A small debt produces a debtor; a large one, an enemy.” – Publius Syrus
47. “Debt is the secret foe of thrift, as vice and idleness are its open foes. The debt-habit is the twin brother of poverty.” – Theodore T. Munger
48. “Chains of habit are too light to be felt until they are too heavy to be broken.” – Warren Buffett
49. “Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Josh Billings
50. “Bad debt is sacrificing your future day needs for your present day desires.” – Suze Orman
51. “A penny saved is a penny earned.” – Benjamin Franklin
52. “If you’re shrewd enough with small sums of money, I think you can compound pretty well.” – Charlie Munger
53. “If you want to get rich, think of saving as earning.” – Andrew Carnegie
54. “Time is your friend, impulse is your enemy.” – John C. Bogle
Bonus Personal Finance Quote
Bonus: Alright, here is one of our favorite quotes on personal finance. We added it as bonus, because we stand behind it, and feel like it will have the most impact on your awareness of money management.
“Money Without Financial Intelligence is Money Soon Gone.”
– robert kiyosaki –
Final Thoughts
Great job making through all of these quotes on personal finance! We don’t doubt that scouring through our extensive list took a fair amount of effort on your part, so big kudos to you. That great news is, by doing you’ve likely upped your financial IQ by a few points.
If you liked these personal finance quotes then you’ll enjoy these related resources:
That said, we hope you found at lease a handful of these quotes inspiring and moving. But more importantly, we hope they’ve helped you gain a better awareness around sound money management, as well as given you some urgency around tightening up your own personal finances.
Till you reach your aims,
STRIVE