80 Money Quotes To Help Motivate You With Your Finances

We all need a boost of motivation once in a while in our life to keep moving and help to save money. Motivational money quotes can help us in a great way to stay inspired even in hard times. 

These quotes from successful people will change the way you think about money. Furthermore, some of these money quotes will help you in building wealth and achieving financial freedom.

Inspiration comes in different ways, and these quotes can help you stay on track with your budgeting and money-saving goals.

Here are the top motivational Money Quotes that will help you with savings and financial freedom. 

  1. “An investment in knowledge pays the best interest.” –Benjamin Franklin
  2. “Being frugal does not mean being cheap! It means being economical and avoiding waste.” – Catherine Pulsifer.
  3. “It isn’t what you earn but how to spend it that fixes your class.” ― Sinclair Lewis.
  4.  “A penny saved is a penny earned.” – Benjamin Franklin.
  5. ‘The simplest definition of a budget is telling your money where to go.’ ― Tsh Oxenreider.
  6. “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” – Ayn Rand.
  7. “Start where you are. Use what you have. Do what you can.” – Arthur Ashe
  8. “Don’t tell me what you value; show me your budget, and I’ll tell you what you value.”- Joe Biden.
  9. “A simple fact that is hard to learn is that the time to save money is when you have some.” – Joe Moore.
  10. “Never spend your money before you have earned it.” – Thomas Jefferson.
  11. “Incredible change happens in your life when you decide to take control of what you do have power over instead of craving control over what you don’t.” — Steve Maraboli.
  12. “Money looks better in the bank than on your feet.” – Sophia Amoruso.
  13. “Look everywhere; you can cut a little bit from your expenses. It will all add up to a meaningful sum. “– Suze Orman.
  14. “This is the beginning of anything you want.” — Unknown.
  15. “You must gain control over your money, or the lack of it will forever control you.” Dave Ramsey
  16. “If you don’t get serious about your money, you will never have serious money.” — Grant Cardone.
  17. “You never change your life until you step out of your comfort zone; change begins at the end of your comfort zone.” — Roy T. Bennett.
  18. “Wealth consists not in having great possessions, but in having few wants.” – Epictetus.
  19. “Many people take no care of their money till they come nearly to the end of it, and others do just the same with their time.” – Johann Wolfgang von Goethe.
  20.  “If you can’t stop thinking about it, don’t stop working for it.
  21. ” Money is usually attracted, not pursued.”- Jim Rohn.
  22. A Debt Problem Is, At Its Core, a Budgeting Problem.― Natalie Pace
  23. “The best way to get things done is to begin simply.” – Unknown.
  24. “Sometimes, the smallest step in the right direction ends up being the biggest step of your life. Tip-toe if you must, but take the step.” — Naeem Callaway.
  25. “You can be young without money, but you can’t be old without it.” – Tennessee Williams.
  26. “Your positive action combined with positive thinking results in success.” – Shiv Khera.
  27. “Success is the sum of small efforts, repeated day in and day out.” – Robert Collier.
  28. ” Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.” – Zig Ziglar.
  29. “Saving requires us not to get things now so that we can get bigger ones later.” – Jean Chatzky.
  30. “You don’t have to see the whole staircase, just take the first step.” – Martin Luther King, Jr.
  31. “If a person gets his attitude toward money straight, it will help straighten out almost every other area in his life.” – Billy Graham.
  32. “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.
  33. “Your positive action combined with positive thinking results in success.” – Shiv Khera.
  34. “Success is the sum of small efforts, repeated day in and day out.” – Robert Collier.
  35. “There are two kinds of people in this world: those who want to get things done and those who don’t want to make mistakes.” – John Maxwell.
  36. “If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.”– Edmund Burke.
  37. “Poor is a state of mind. Broke is I’m just passing through.” — Dave Ramsey.
  38. “I’ve failed over and over and over again in my life. And that is why I succeed.” – Michael Jordan
  39. “We buy things we don’t need with money we don’t have to impress people we don’t like’.”— Dave Ramsey.
  40. “By definition, saving for anything requires us not to get things now so that we can get bigger ones later’.”– Jean Chatzky.
  41. “Change! If you keep doing what you’re doing, you’ll keep getting what you’re getting.”- Dave Ramsey.
  42. “Becoming rich is hard. Staying broke is hard. Choose your hard.” – Eric Worre.
  43. “There is no substitute for hard work.” – Thomas Edison.
  44. “The safe way to double your money is to fold it over once and put it in your pocket.” – Kin Hubbard.
  45. “The slightest adjustments to your daily routines can dramatically alter the outcomes in your life.” – Darren Hardy.
  46. “A budget tells us what we can’t afford, but it doesn’t keep us from buying it.”― William Feather.
  47. “A budget is telling your money where to go instead of wondering where it went.” – John C. Maxwell.
  48. “We must consult our means rather than our wishes.” ― George Washington.
  49. “Wealth consists not in having great possessions, but in having few wants.” – Epictetus.
  50. “There are no shortcuts to any place worth going.” – Beverly Sills.
  51. “It is not necessary to do extraordinary things to get extraordinary results.” – Warren Buffett.
  52. “Unless you control your money, making it more won’t help. You’ll have bigger payments.” — Dave Ramsey.
  53. “Money has never made man happy, nor will it; there is nothing in its nature to produce happiness. The more of it one has, the more one wants.” – Benjamin Franklin
  54. “Success is not final; failure is not fatal: it is the courage to continue that counts.” – Winston Churchill.
  55. “If you wish to get rich, save what you get. A fool can earn money, but it takes a wise man to save and dispose of it to his own advantage.” – Brigham Young.
  56. “One reason people resist change is that they focus on what they have to give up, instead of what they have to gain.”—Rick Godwin.
  57. “You must learn to save first and spend afterward.” – John Poole.
  58. “Self-belief and hard work will always earn you success.” – Virat Kohli.
  59. “Every time you borrow money, you’re robbing your future self.” —Nathan W Morris.
  60. “Everyone must choose one of two pains: the pain of discipline or the pain of regret or disappointment.” — Jim Rohn.
  61. “Change will not come if we wait for some other person or if we wait for some other time. We are the ones we’ve been waiting for. We are the change that we seek.” —Barack Obama.
  62. “You’ll never change your life until you change something you do daily. The secret of your success is found in your daily routine.” — John C. Maxwell.
  63. “A goal without a plan is just a wish.” — Antoine de Saint-Exupéry.
  64. Be stronger than your excuses.
  65. Don’t think about what can happen in a month. Don’t think about what can happen in a year. Just focus on the next 24 hours in front of you and do what you can to get closer to where you want to be. — Eric Thomas
  66. “Balancing your money is the key to having enough.” – Elizabeth Warren.
  67. “The most important thing to do if you find yourself in a hole is to stop digging.” — Warren Buffett.
  68. “Successful and unsuccessful people do not vary greatly in their abilities. They vary in their desires to reach their potential.” – John Maxwell.
  69. “Someone is sitting in the shade today because someone planted a tree a long time ago.” — Warren Buffett.
  70. “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” – Ayn Rand.
  71. “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.”  – T.T. Munger.
  72. “Falling is an accident. Staying down is a choice.”— Unknown.
  73. “Formal education will make you a living; self-education will make you a fortune.” -Jim Rohn.
  74. “A journey of a thousand miles must begin with a single step.” -Lao Tzu.
  75. “Do the one thing you think you cannot do. Fail at it. Try again. Do better the second time. The only people who never tumble are those who never mount the high wire. This is your moment. Own it. “-Oprah Winfrey.
  76. “Believe you can, and you’re halfway there.”-Theodore Roosevelt.
  77. “The four most expensive words in the English language are, ‘This time it’s different.” –Sir John Templeton
  78. “My formula for success is rise early, work late, and strike oil.”-JP Getty.
  79. “No wealth can ever make a bad man at peace with himself.” -Plato.
  80. “It's how you deal with failure that determines how you achieve success.” –David Feherty

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Final Thought


Using these Money Quotes daily will Change your Perspective about Money. Therefore, I will recommend printing them and hanging them on a sticker to read them on the go. Moreso, you can have them on your phone and use them daily. These powerful money quotes will help you to maintain a positive mindset.

Do you have a favorite quote about money? Let me know in the comment section.

Michael launched Wealth of Geeks to make personal finance fun. He has worked in personal finance for over 20 years, helping families reduce taxes, increase their income, and save for retirement. Michael is passionate about personal finance, side hustles, and all things geeky.