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50 Empowering Quotes on Finances to Help Your Money Habits

Whether you’re looking to jump-start your financial journey, start building credit , or work on getting your money situation back on track, these 50 inspirational quotes on finances will provide the boost you need. Get inspired by these quotes about getting out of debt and building wealth.

Table of contents

Quotes about making money, quotes about saving and investing money, quotes about debt, quotes about financial success, quotes about financial freedom.

Over the centuries, those who have had great success have often had equally wise words. The following quotes come from some of the greatest financial minds in history. Their messages vary in sentiment and meaning, but they all agree: Making money means taking intentional action with your finances.

• "The key to money is to stay invested." —Suze Orman, financial advisor
• “If you make meaning, you’ll make money.” —Guy Kawasaki, marketing specialist
• "Formal education will make you a living; self-education will make you a fortune." —Jim Rohn, entrepreneur
• "Making money is art and working is art and good business is the best art." —Andy Warhol, artist
• "Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort." —Franklin D. Roosevelt, former U.S. President
• "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, businessman
• "If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed." —Edmund Burke, economist
• "Without continual growth and progress, such words as improvement, achievement, and success have no meaning." —Benjamin Franklin, Founding Father of the U.S.
• "Fortune sides with him who dares." —Virgil, poet
• "Rule No. 1: Never lose money. Rule No. 2: Never forget rule No.1." —Warren Buffett, businessman

When it comes to saving money, fortune favors the patient. As these quotes confirm, successful saving and investing starts with a dedication to financial planning. Researching your steps and managing your debt and investments will help you save money and grow your financial prospects.

• “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, businessman
• “If you would be wealthy, think of saving as well as getting.” —Benjamin Franklin, Founding Father of the U.S.
• “Expect the best. Prepare for the worst. Capitalize on what comes.” —Zig Ziglar, motivational speaker
• “Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.” —William A. Ward, writer
• “To acquire money requires valor, to keep money requires prudence, and to spend money well is an art.” —Berthold Auerbach, poet
• “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, industrialist
• “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, economist
• “If you don’t value your time, neither will others. Stop giving away your time and talents. Value what you know and start charging for it.” —Kim Garst, marketing strategist
• “The individual investor should act consistently as an investor and not as a speculator.” —Ben Graham, economist
• “Money grows on the tree of persistence.” —Japanese proverb

The struggle to get out of debt is something that many people face. These finance quotes from philosophers to famous entrepreneurs discuss the struggles of paying off debt and emphasize the importance of money management.

• “Debt is one person's liability, but another person's asset.” —Paul Krugman, economist
• “Debt is a social and ideological construct, not a simple economic fact.” —Noam Chomsky, linguist
• “Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.” —Ogden Nash, poet
• “Interest on debts grows without rain.” —Yiddish Proverb
• “Creditors have better memories than debtors.” —Benjamin Franklin, Founding Father of the U.S.
• “Debt is normal. Be weird.” —Dave Ramsey, author
• “It is thrifty to prepare today for the wants of tomorrow.” —Aesop, Greek storyteller
• “One of the greatest disservices you can do a man is to lend him money that he can’t pay back.” —Jesse Jones, entrepreneur
• “Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” —Norman Vincent Peale, minister
• “Debt is like any other trap, easy enough to get into, but hard enough to get out of.” —Henry Wheeler Shaw, American humorist

Financial success occurs when you gain control over your money. Successful people from Oprah to Nelson Mandela share that same sentiment. And, through hard work and staying true to oneself, success in all arenas can be yours to achieve. From building credit to running a successful business, financial success starts with personal success.

• “Financial fitness is not a pipe dream or a state of mind. It’s a reality if you are willing to pursue it and embrace it.” —Will Robinson, author
• “I feel that luck is preparation meeting opportunity.” —Oprah Winfrey, talk show host
• “You can’t always visualize the reward, but you can believe in the sacrifice if the vision is strong enough.” —Don Connelly, motivational speaker
• “Do not focus on money, instead focus on a problem that needs to be solved for the world. Money will follow you as a bi-product.” —Manoj Arora, author
• “You must gain control over your money or the lack of it will forever control you.” —Dave Ramsey, author
• “Money won’t create success, freedom to make it will.” —Nelson Mandela, former President of South Africa
• "You don't need to raise money. You need to be smart and be focused." —Mark Cuban, entrepreneur
• “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” —Ayn Rand, writer
• “If you lose money you lose much, if you lose friends you lose more, if you lose faith you lose all.” —Eleanor Roosevelt, former First Lady of the U.S.
• "You can only become truly accomplished at something you love. Don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you." —Maya Angelou, poet

It is no surprise that financial freedom allows us to pursue our dreams. But, as these famous lines can verify, the pursuit of our dreams can also bring about the very freedom we seek. Whether achieved by having a good credit score or saving to retire early, the individual determines financial peace and freedom. In short, to become financially free, you must first achieve the freedom of self-reliance.

“When you understand that your self-worth is not determined by your net-worth, then you’ll have financial freedom.” —Suze Orman, financial advisor “Wealth is the ability to fully experience life.” —Henry David Thoreau, poet “The goal isn’t more money. The goal is living life on your terms.” —Chris Brogan, author “More important than the how we achieve financial freedom, is the why. Find your reasons why you want to be free and wealthy.” —Robert Kiyosaki, businessman “Your economic security does not lie in your job; it lies in your own power to produce—to think, to learn, to create, to adapt. That’s true financial independence. It’s not having wealth; it’s having the power to produce wealth.” —Stephen Covey, educator "Pursuing your passion is fulfilling and leads to financial freedom." —Robert G. Allen, author "Wealth consists not in having great possessions, but in having few wants.” —Epictetus, Greek philosopher “Working because you want to, not because you have to, is financial freedom.” —Tony Robbins, American author “The best thing money can buy is financial freedom.” —Rob Berger, author and investor "Every time you borrow money, you're robbing your future self." —Nathan W. Morris, financial advisor

Create good financial habits

It can be difficult to apply the words of famous (and wealthy) minds to everyday life. But, though these money quotes come from some of the most successful people in history, these individuals amassed more than wealth during their years. Their knowledgeable insights into life, success, and finances can be great financial inspirations.

In the end, these lines and quotes are simply words from rich people with a lot of money. Not every word or piece of wisdom may be relevant. But, as Mark Twain once said, “How little a thing can make us happy when we feel that we have earned it.” Therefore, use these motivational quotes as guidelines to shape your lives.

From a new investor with a low credit score to a seasoned pro preparing for retirement, everyone should harness these wise words to suit their strengths and passions.

Those who consistently ensure their money is working for them will see the most success when it comes to making money. Patience and the unending pursuit of knowledge will be the tools of prosperous investors. Wealth is seldom a sprint. Hasty decisions can lead to debt and disaster. In the end, financial success and freedom are achieved through hard work and dedication to oneself.

About the author

Jeff Smith is the VP of Marketing at Self Financial. See his profile on LinkedIn .

About the reviewer

Ana Gonzalez-Ribeiro, MBA, AFC® is an Accredited Financial Counselor® and a Bilingual Personal Finance Writer and Educator dedicated to helping populations that need financial literacy and counseling. Her informative articles have been published in various news outlets and websites including Huffington Post, Fidelity, Fox Business News, MSN and Yahoo Finance. She also founded the personal financial and motivational site www.AcetheJourney.com and translated into Spanish the book, Financial Advice for Blue Collar America by Kathryn B. Hauer, CFP. Ana teaches Spanish or English personal finance courses on behalf of the W!SE (Working In Support of Education) program has taught workshops for nonprofits in NYC.

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45 of the Top Finance Quotes to Boost Your Money Mindset

By Todd Kunsman

Financial Independence

Published on Jun-16-2021

Updated on Apr-11-2022

Looking for finance quotes and quotes about money that can inspire you to take charge of your financial life?

Even if you aren’t in search currently, these quotes will keep you motivated and make you think differently about finances and money.

For me, besides these personal finance books , reading these particular quotes about money helped me get in the right financial mindset.

I’d recommend even keeping some of these financial quotes at your desk as a healthy reminder or for motivation.

45 Top Finance Quotes

While there are thousands of finance, money, and investing quotes out there, I only chose a small portion of them to keep this simple, yet informative.

These are the quotes that I really like, resonated with me a lot during my financial journey, or made me laugh a bit.

Step your money game up with these interesting, inspiring, humorous and wise quotes.

1. “Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.” – Zig Ziglar

2. “too many people spend money they earned..to buy things they don’t want..to impress people that they don’t like.” – will rogers, 3. “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, 4. “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, 5. “an investment in knowledge pays the best interest.” – benjamin franklin, 6. “time is more value than money. you can get more money, but you cannot get more time.” – jim rohn, 7. “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, 8. “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, 9. “friendship is like money, easier made than kept.” – samuel butler, 10. “rule no.1: never lose money. rule no.2: never forget rule no.1.” – warren buffett, 11. “money is only a tool. it will take you wherever you wish, but it will not replace you as the driver.” – ayn rand, 12. “happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort.” – franklin d. roosevelt, 13. “finance is not merely about making money. it’s about achieving our deep goals and protecting the fruits of our labor. it’s about stewardship and, therefore, about achieving the good society.” – robert j. shiller, 14. “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, 15. “how many millionaires do you know who have become wealthy by investing in savings accounts i rest my case.” – robert g. allen, 16. “money can’t buy happiness, but it will certainly get you a better class of memories.”- ronald reagan, 17. “money is a terrible master but an excellent servant.” – p.t. barnum, 18. “wealth is the ability to fully experience life.” – henry david thoreau, 19. “if you think nobody cares if you’re alive, try missing a couple of car payments.” – earl wilson, 20. “the individual investor should act consistently as an investor and not as a speculator.” – ben graham, 21. “the stock market is filled with individuals who know the price of everything, but the value of nothing.” – philip fisher, 22. “you must gain control over your money or the lack of it will forever control you.” – dave ramsey.

23. “Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris

24. “money poisons you when you’ve got it, and starves you when you haven’t.” – d.h. lawrence, 25. “success isn’t measured by money or power or social rank. success is measured by your discipline and inner peace.” – mike ditka, 26. “if you live for having it all, what you have is never enough.” – vicki robin, 27. “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, 28. “money cannot buy peace of mind. it cannot heal ruptured relationships, or build meaning into a life that has none.” – richard m. devos, 29. “develop success from failures. discouragement and failure are two of the surest stepping stones to success.” – dale carnegie, 30. “don’t let the fear of losing be greater than the excitement of winning.” – robert kiyosaki, 31. “the stock market is designed to transfer money from the active to the patient.” – warren buffett, 32. “most people work just hard enough not to get fired and get paid just enough money not to quit.” – george carlin, 33. “i’m only rich because i know when i’m wrong…i basically have survived by recognizing my mistakes.” – george soros, 34. “a bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain.” – robert frost, 35. “if you have trouble imagining a 20% loss in the stock market, you shouldn’t be in stocks.” – john bogle, 36. “i’d like to live as a poor man with lots of money.” – pablo picasso, 37. “bills travel through the mail at twice the speed of checks.” — steven wright, 38. “you can be young without money, but you can’t be old without it.” – tennessee williams, 39. “don’t stay in bed, unless you can make money in bed.” – george burns, 40. “wealth is not about having a lot of money; it’s about having a lot of options.” – chris rock, 41. “we make a living by what we get, but we make a life by what we give.” – winston churchill, 42. “don’t tell me what you value, show me your budget, and i’ll tell you what you value.” – joe biden, 43. “i say always follow your passion, no matter what, because even if it’s not the same financial success, it’ll lead you to the money that’ll make you the happiest.” – ellen degeneres, 44. “money can’t buy you happiness, but it can buy you a yacht big enough to pull up right alongside it.” – david lee roth, 45. “never spend your money before you have it.” – thomas jefferson, final thoughts.

There you have it, some of the brilliant finance quotes that I’ve come across over the years that I find to be some of the best.

You may have come across some of these yourself, but hopefully, there are some new ones in here to make you think.

Do you have a favorite quote about money or finance quote that wasn’t listed above? Share below in the comments, I would love to read your favorite money quotes.

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200 Quotes about Money and Personal Finance to Inspire You

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There's just something about a good quote that motivates me. Since I'm into personal finance, quotes about money and personal finance quotes are especially inspiring.

After each episode of my podcast , I share a quote that motivates me and the listeners to take action. I call them my “Carpe Diem” quotes because I feel like “seizing the day” after hearing them.

Below I've compiled a list of my favorite quotes about money from over 200 episodes in the following categories:

• Making Money
• Family First
• Giving Back
• Saving Money
• Financial Planning

Here are 200 personal finance quotes that have lit a fire under me to win with money:

Quotes About Building Wealth

No matter where you are on your wealth-building journey, use these quotes to inspire your next steps.

• “Being rich is having money; being wealthy is having time.” — Margaret Bonanno
• “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

• “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
• “Patience and diligence, like faith, remove mountains.” ― William Penn

More Empowering Personal Finance Quotes

Feeling stuck? Check out these empowering personal finance quotes for more motivation!

• “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
• “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
• “Without leaps of imagination or dreaming, we lose the excitement of possibilities. Dreaming, after all, is a form of planning.” ― Gloria Steinem
• “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
• “It’s not the man who has too little, but the man who craves more, that is poor.” ― Seneca
• “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

Other Quotes About Money To Inspire You

No two financial journeys are the same. Pull inspiration from as many sources as possible to keep you going.

• “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
• “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
• “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
• “Belief in oneself and knowing who you are … that's the foundation for everything great.” ― Jay-Z
• “To get rich, you have to be making money while you're asleep.” ― David Bailey

Related Article : How to Increase Your Net Worth by $1,000,000 in 10 Years

Quotes About Making Money

Maybe you've just started a side hustle or you've leaped into entrepreneurship. Don't miss these quotes about making more money!

• “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
• “A journey of a thousand miles must begin with a single step.” — Lao Tzu
• “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

Don't miss more of our favorite personal finance quotes about making money below!

More Personal Finance Quotes About Making Money

Do you feel like your net worth hit a plateau? These empowering personal finance quotes about growing your dollars can help!

• “Wealth is largely the result of habit.” — John Jacob Astor
• “Making money is a hobby that will complement any other hobbies you have, beautifully.” — Scott Alexander
• “Our greatest glory is not in never failing, but in rising every time we fall.” — Confucius
• “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 Buffett
• “The major fortunes in America have been made in land.” — John D. Rockefeller
• “Making money is certainly the one addiction I cannot shake.” — Felix Dennis
• “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
• “We should remember that good fortune often happens when opportunity meets with preparation.” ― Thomas A. Edison
• “If you want to live a happy life, tie it to a goal, not to people or things.” – Albert Einstein
• “The key to making money is to stay invested.” ― Suze Orman
• “The way to achieve your own success is to be willing to help somebody else get it first.” ― Iyanla Vanzant

Quotes to Motivate You To Grow Your Income

It's hard to hustle more, but sometimes it's necessary. Keep yourself going with wise words from everyone from Confucius to Eleanor Roosevelt.

• “All you need is the plan, the road map, and the courage to press on to your destination.” ― Earl Nightingale
• “You can’t build a reputation on what you’re going to do.” ― Confucius
• “The best way to predict the future is to create it.” ― Abraham Lincoln
• “Making money from money is like aerobatics.” — Alisher Usmanov
• “It takes as much energy to wish as it does to plan.” ― Eleanor Roosevelt
• “Making money is art and working is art and good business is the best art.” ― Andy Warhol
• “Making money is easy. It is. The difficult thing in life is not making it; it's keeping it.” — John McAfee
• “Nothing wrong with making money.” — Adam Levine
• “I don't believe in spending money lavishly, now that I'm making money.” — Ansel Elgort
• “Make sure to save for the future and keep making money!” — Jam Master Jay
• “I like the art of making money more than making money.” — Richard Rawlings
• “The only point in making money is, you can tell some big shot where to go.” — Humphrey Bogart
• “Focus on solving real problems and not on making money. There will be enough takers for your solutions. You will help make lives of some people better, and money will follow.” — Bhavish Aggarwal
• “Succeeding in business is not just about making money.” — Daniel Snyder

Quotes About Money, Business, and Success

While we can't promise there's a single secret to success, we can offer up some really powerful quotes about building your business and finding success.

• “One of the things I have known my entire life is that I have an innate capability for making money.” – Chamath Palihapitiya
• “Just because you're working does not mean you're making money. That's two very different things in show business.” — Billy Porter
• “I'm free of stress and worries now because if I don't like something I'm doing, I just find the fun in it instead of being miserable. Let me have fun with the people I work with, let me have fun making money.” — Jenny McCarthy
• “I had to get into a place for myself of thinking what I would create for myself if I didn't have to worry about making money.” — Jada Pinkett Smith
• “Life started getting good when I started making money.” — Balthazar Getty

More Quotes to Inspire You as an Entrepreneur

Being an entrepreneur is hard work! Use these quotes for inspiration.

• “Don't worry about being famous or making money; the most important thing is being the best. You have to become a master of your craft, and everything else will come.” — Anastasia Soare
• “The secret of my success is that I make other people money. And, never ever, ever, ever be ashamed about trying to earn as much as possible for yourself, if the person you're working with is also making money. That's life!” — Simon Cowell
• “If you are in the world of business, that means you are in the business of making money.” — Stephen A. Smith
• “Business is about making money but it is also about having fun, so get your character across.” — Peter Jones
• “Women need to be less squeamish about making money.” — Liz Tuss
• “When you're working and making money, that's all good, but there has to be something that provides a substance, I think.” — Mekhi Phifer
• “I enjoy building something good and having a successful product and making money.” – Wayne Huizenga

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

Family First Quotes

You're building generational income and changing your family tree. Remember to put your family first along the way!

• “A man who does not plan long ahead will find trouble right at his door.” ― Confucius
• “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.” ― Unknown
• “Always plan ahead:  it wasn’t raining when Noah built the ark.” ― Richard Cushing
• “In modern life, we tend to forget family values because of the hectic schedule.” ― Mahesh Babu
• “Family first, always, no matter what the situation.” ― Baker Mayfield

Quotes To Inspire You to Strengthen Your Family Tree

Your legacy is so much more than dollars in your bank account at the end of your life. Find out how to grow a stronger family tree below.

• “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.” ― Unknown
• “No amount of money or success can take the place of time spent with your family.” ― Unknown
• “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
• “I’m not a perfect parent, but I’m exactly the parent my child needs.” ― Anonymous
• “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

Since family really is the cornerstone to so many things, we had to include even more personal finance quotes about money and family below!

More Quotes About Putting Family First

Are you thinking about downshifting to part-time work? Maybe you're on the fence about juggling your work schedule to make more time for family. These quotes will remind you that you're on the right track!

• “ 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
• “Making the decision to have a child — it’s momentous. It is to decide forever to have your heart go walking outside your body.” ― Elizabeth Stone
• “It's very important to prioritize. I know, for me, my family comes first. That makes every decision very easy.” ― Jada Pinkett Smith
• “Family is the most important thing in the world.” ― Princess Diana
• “The love of family and the admiration of friends is much more important than wealth and privilege.” ― Charles Kuralt
• “In every conceivable manner, the family is link to our past, bridge to our future.” ― Alex Haley
• “My family was my guide to my reality.” Haywood Nelson
• “The bond that links your true family is not one of blood, but of respect and joy in each other's life.” ― Richard Bach
• “I really savor the times of me and all my best friends and family members getting together.” ― Rick Ross
• “I'm a lucky person because I've been loved a lot. I have a great family.” ― Monica Bellucci
• “The richest inheritance any child can have is a stable, loving, disciplined family life.” ― Daniel Patrick Moynihan

Related Article: Do I Need a Will? Who Needs One and Why

Quotes About Giving Back

What kind of world do you want to live in? You can use your dollars to build a brighter tomorrow for others.

• “How wonderful it is that nobody need wait a single moment before starting to improve the world.” ― Anne Frank
• “We make a living by what we get, but we make a life by what we give.” ― Winston Churchill
• “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
• “Alone we can do so little; together, we can do so much.” ― Helen Keller
• “Remember that the happiest people are not those getting more, but those giving more.” ― H. Jackson Brown Jr.
• “I believe my life’s gonna see, the love I give returned to me.” ― John Mayer
• “No one is useless in this world who lightens the burdens of another.” ― Charles Dickens
• “Success is not just making money. Success is happiness. Success is fulfillment; it's the ability to give.” ― Adam Neumann
• “Kindness in words creates confidence. Kindness in thinking creates profoundness. Kindness in giving creates love.” ― Lao Tzu
• “I am a huge believer in giving back and helping out in the community and the world. Think globally, act locally I suppose. I believe that the measure of a person's life is the affect they have on others.” ― Steve Nash
• “Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them.” ― Dalai Lama
• “Every good act is charity. A man's true wealth hereafter is the good that he does in this world to his fellows.” ― Moliere
• “I've always been passionate about giving back, not just anywhere, but to my city specifically. That's extremely important to me.” ―Tavon Austin

Since giving is so important to us, we rounded up even more personal finance quotes about giving below and created a separate post for more inspiration!

More Personal Finance Quotes To Inspire You To Give Back

Whether you had help on your own journey or not, we hope these quotes will inspire you to give someone else a boost!

• “Volunteering is a great way to look outside your own problems. Giving back to makes you happier by both giving you a sense of purpose and helping to put your problems in perspective.” ― Karen Salmansohn
• “To me I think leadership is activism. It's giving back to your community, it's investing in oneself, and you know women and children.” ― Black Thought
• “Personal philanthropy must be separated from corporate philanthropy. Personal philanthropy is more about giving back to society, or giving forward, as it is now referred to.” ― Rohini Nilekani
• “Giving back has definitely kept me grounded. Stepping outside of yourself to serve a group or community of people who are in need in some facet has a way of doing that. I don't ever want to grow to a place where giving back becomes a foreign concept.” ― Karen Civil
• “What is important is family, friends, giving back to your community and finding meaning in life.” ― Adrian Grenier

A Final Call to Give More

Giving is a financial muscle that needs exercise to grow. Push yourself with these powerful words!

• “It's not about giving back if you're successful or a celebrity or how much money you have: it's about your responsibility as an adult to help others.” ― Trisha Yearwood
• “Giving back to the communities and institutions that helped us achieve success is a value we share and a privilege we embrace.” ― Dinesh Paliwal
• “Giving back to those who are less fortunate shows great character and is the right thing to do.” ― Cynthia Bailey
• “I'm committed to giving back to the community and will continue to do whatever I can to help people in need.” ― Al Horford
• “There are plenty of easy things that you can do from the comfort of your own home to get you started on the path of giving back.” ― Jenna Morasca
• “I was gifted at birth with this talent, and I've tried to honor it all my life. And I did – through hell and storms and tsunamis and earthquakes. I've been through too much not to know that giving back is everything.” ― Jenifer Lewis

Related Article : How to Make Charitable Giving a Family Tradition

Quotes About Saving Money

Saving doesn't come naturally to everyone. Pull inspiration from these great minds about why it's so important to save.

• “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

More Personal Finance Quotes to Help You Save

Are you trying to take your net worth to the next level? These empowering personal finance quotes on saving can help you kick things up a notch.

• “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
• “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
• “Debt is like any other trap, easy enough to get into, but hard enough to get out of.” ― Josh Billings
• “The key is not to prioritize what’s on your schedule, but to schedule your priorities. ” ― Stephen Covey
• “The best way to look stylish on a budget is to try second-hand, bargain hunting, and vintage.” ― Orlando Bloom
• “The budget is not just a collection of numbers, but an expression of our values and aspirations.” ― Jack Lew
• “If saving money is wrong, I don't want to be right!” ― William Shatner

Related Article :  How We Paid Off Our Mortgage in 5 Years

Financial Planning Quotes

Do your goals seem impossible? Is your financial path twisting and turning? Don't forget to pause, strategize, and pull inspiration from these quotes.

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

More Personal Finance Quotes To Help You Plan Ahead

Personal finance is personal, but that doesn't mean you can't be inspired by these money quotes!

• “Success is not final; failure is not fatal: It is the courage to continue that counts.”– Winston S. Churchill
• “Whether you think you can or you think you can’t, you’re right.” ― Henry Ford
• “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
• “Invest with the end in mind.” – Joe Saul-Sehy
• “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
• “Success is the sum of small efforts, repeated day in and day out.” — Robert Collier
• “How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” ― Robert G. Allen
• “What you’re thinking is what you’re becoming.” ― Muhammad Ali
• “The four most dangerous words in investing are: ‘this time it's different.” ― Sir John Templeton
• “In preparing for battle I have always found that plans are useless, but planning is indispensable.” ― Dwight D. Eisenhower
• “Planning is bringing the future into the present so that you can do something about it now.” ― Alan Lakein

Related Article: How to Get Started with Investing (in 10 Simple Steps)

Final Thoughts on Empowering Personal Finance Quotes

These personal finance quotes are just what you need to hit your personal finance goals! After all, there is a real science behind why motivational quotes…well, motivate us!

For more motivation with building wealth, making money, protecting your family, giving back, saving money and financial planning, please join me on for the next episode of the Marriage Kids and Money Podcast . You never know which idea on our show will become one of your favorite personal finance quotes!

Carpe Diem!

What personal finance quotes motivate you to win with your money? Do you have a favorite money quote?

Please let us know in the comments below.

13 Comments

This is the quote that motivates me the most.

That quote has definitely rung true in my life!

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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.

I agree with you 100% Jason.

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.”

Oh!!! I like that one Amy! Saving!

“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.

What a great set of motivational quotes in the money/goal realm. Thank you for sharing!

Absolutely! Words can be extremely powerful. Thank you!

Thanks for a dose of enlightenment. My favorite is still Bogle!

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.

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149 Powerful Personal Finance Quotes

THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES . FOR MORE INFORMATION.

The thing that I enjoy most about personal finance is that it is personal.

Your experience with money is different from mine based on many factors.

The beauty here is this allows us to learn from each other.

We might read the same thing, but because of our different mindset about money, we take something different away.

Because I love hearing about other people’s relationship and ideas about money, I compiled this list of personal finance quotes.

By taking the time to read through these sayings, you can learn so much about money and building wealth.

Table of Contents

146 Personal Finance Quotes

Quotes about financial wisdom.

#1. “A lot of people go into debt just to keep up with those who already are.” – Unknown

#2. “A real entrepreneur is somebody who has no safety net underneath them.” – Henry Kravis

#3. “Unexpected money is a delight. The same sum is a bitterness when you expected more.” – Mark Twain

#4. “At a certain point, money is meaningless. It ceases to be the goal. The game is what counts.” – Aristotle Onassis

• Read now: Learn how to live a life of unlimited wealth

#5. “You must gain control over your money or the lack of it will forever control you.” – Dave Ramsey

#7. “Bad debt is sacrificing your future day needs for your present day desires.” – Suze Orman

#8. “Do not save what is left after spending, but spend what is left after saving.” – Warren Buffett

• Read now: Discover the simplest trick to save money

#9. “My favorite things in life don’t cost any money. It’s really clear that the most precious resource we all have is time.” – Steve Jobs

#10. “If plan A fails, remember there are 25 more letters.” – Chris Guillebeau

#11. “You can’t get out of debt while keeping the same lifestyle that got you there.” – Dave Ramsey

#12. “Money can buy some things to create happiness, but it can never buy happiness.” – Ellen Barrier

#13. “Seek advice on risk from the wealthy who still take risks, not friends who dare nothing more than a football bet.” – J. Paul Getty

#14. “If money is your hope for independence you will never have it. The only real security that a man will have in this world is a reserve of knowledge, experience, and ability.” – Henry Ford

#15. “You can’t be in debt and win. It doesn’t work.” – Dave Ramsey

#16. “Success is walking from failure to failure with no loss of enthusiasm.” – Winston Churchill

#17. “If you live for having it all, what you have is never enough.” – Vicki Robin

#19. “If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” – Edmund Burke

#20. “Wanting less is probably a better blessing than having more.” – Mary Ellen Edmund

#21. “If you are not successful, that means you’re not making enough mistakes.” – Robert Kiyosaki

#22. “It is our choices, that show what we truly are, far more than our abilities.” – J.K. Rowling

#23. “I’m a great believer in luck, and I find the harder I work the more I have of it.” – Thomas Jefferson

#24. “Time is more value than money. You can get more money, but you cannot get more time.” – Jim Rohn

#25. “If you don’t value your time, neither will others. Stop giving away your time and talents. Value what you know and start charging for it.” – Kim Garst

#26. “We make a living by what we get, but we make a life by what we give.” – Winston Churchill

#27. “It is not the man who has too little, but the man who craves more, that is poor.” – Seneca

#29. “Most people give up just when they are about to achieve success. They quit on one yard line. They give up the at last minute of the game one foot from a winning touchdown.” – Henry Ross Perot

#30. “Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.” – Zig Ziglar

• Read now: Find out the difference in mindset between wealthy vs. poor

#31. “The art is not in making money, but in keeping it.” – Proverb

#32. “You can’t connect the dots looking forward. You can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something. Your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.” – Steve Jobs

#33. “Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do.” – Mark Twain

Personal Finance Quotes

#34. “A successful man is one who can lay a firm foundation with the bricks others have thrown at him.” – David Brinkley

#35. “There were two sets of rules when it comes to money. One set of rules for the people who work for money and another set of rules for the rich who print money.” – Robert Kiyosaki

#36. “Don’t let pride keep you in debt. A big house and a fancy car aren’t worth a lifetime of bondage.” – Dave Ramsey

#37. “The most important word in the world of money is cash flow. The second most important word is leverage.” – Rich Dad

#38. “A wise person should have money in their head, but not in their heart.” – Jonathan Swift

#39. “It’s not the employer who pays the wages. Employers only handle the money. It’s the customer who pays the wages.” – Henry Ford

#40. “Believe you can and you’re halfway there.” – Theodore Roosevelt

#41. “A winning strategy must include losing.” – Rich Dad

#42. “Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris

#43. “There is a gigantic difference between earning a great deal of money and being rich.” – Marlene Dietrich

#45. “Let him who would enjoy a good future waste none of his present.” – Roger Babson

#46. “Don’t let the fear of losing be greater than the excitement of winning.” – Robert Kiyosaki

#47. “Even a mistake may turn out to be the one thing necessary to a worthwhile achievement.” – Henry Ford

#48. “Live as if you were to die tomorrow. Learn as if you were to live forever.” – Mahatma Gandhi

#49. “If your ship doesn’t come in, swim out to meet it!” – Jonathan Winters

#50. “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

• Read now: Learn 95 of the best investing quotes

#51. “Courage is being scared to death, but saddling up anyway.” – John Wayne

#52. “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

#53. “Getting out and staying out of debt is key. Debt is the biggest barrier, a parasite to wealth.” – Ann Wilson

#54. “It’s not the situation, but whether we react or respond to the situation that’s important.” – Zig Ziglar

#56. “Let no feeling of discouragement prey upon you, and in the end, you are sure to succeed.” – Abraham Lincoln

#57. “It’s how you deal with failure that determines how you achieve success.” – David Feherty

#58. “Innovation distinguishes between a leader and a follower.” – Steve Jobs

#59. “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

#60. “Just because you can afford the payments doesn’t mean you can afford the item.” – Unknown

#61. “It’s good to have money and the things that money can buy, but it’s good, too, to check up once in a while and make sure that you haven’t lost the things that money can’t buy.” – George Lorimer

• Read now: Discover 23 things money cannot buy

#62. “Do not go where the path may lead, go instead where there is no path and leave a trail.” – Ralph Waldo Emerson

#63. “Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” – Norman Vincent Peale

#65. “Debt creates stress, stress creates behaviors that don’t lead to happiness.” – Seth Godin

#66. “Frugality includes all the other virtues.” – Cicero

#67. “Develop success from failures. Discouragement and failure are two of the surest stepping stones to success.” – Dale Carnegie

#68. “If you took our top fifteen decisions out, we’d have a pretty average record. It wasn’t hyperactivity, but a hell of a lot of patience. You stuck to your principles and when opportunities came along, you pounced on them with vigor.” – Charlie Munger

#69. “Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.” – William A. Ward

#70. “If you’re saving, you’re succeeding.” – Steve Burkholder

Quotes About Money

#71. “An investment in knowledge pays the best interest.” – Benjamin Franklin

#72. “The longer you’re not taking action the more money you’re losing.” – Carrie Wilkerson

#73. “Formal education will make you a living. Self-education will make you a fortune.” – Jim Rohn

#74. “I never attempt to make money on the stock market. I buy on the assumption that they could close the market the next day and not reopen it for ten years.” – Warren Buffett

#76. “Never spend your money before you have it.” – Thomas Jefferson

#77. “Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” – Joe Biden

• Read now: Click here for 17 free budget templates

#78. “Fortune sides with him who dares.” – Virgil

#79. “If you have trouble imagining a 20% loss in the stock market, you shouldn’t be in stocks.” – John Bogle

#80. “The men who have succeeded are men who have chosen one line and stuck to it.” – Andrew Carnegie

#81. “The most beautiful things are not associated with money. They are memories and moments. If you don’t celebrate those, they can pass you by.” – Alec Wek

#82. “Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.” – Charles Dickens

#83. “To acquire money requires valor, to keep money requires prudence, and to spend money well is an art.” – Berthold Auerbach

#84. “Many folks think they aren’t good at earning money, when what they don’t know is how to use it.” – Frank A. Clark

#85. “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

#86. “Every day is a bank account, and time is our currency. No one is rich, no one is poor, we’ve got 24 hours each.” – Christopher Rice

#88. “The person who doesn’t know where his next dollar is coming from usually doesn’t know where his last dollar went.” – Unknown

#89. “If a person gets his attitude toward money straight, it will help straighten out almost every other area in his life.” – Billy Graham

#90. “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

#91. “I’d like to live as a poor man with lots of money.” – Pablo Picasso

#92. “The individual investor should act consistently as an investor and not as a speculator.” – Ben Graham

#94. “Few men have virtue enough to withstand the highest bidder.” – George Washington

#95. “The stock market is designed to transfer money from the active to the patient.” – Warren Buffett

#96. “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

#97. “The most important factor to growing your financial stability isn’t your income. Rather, your success is much more related to how well you keep your eye on the ball. Organize your finances around the principles of financial stability. Aim for that goal, and over time you will find many unexpected ways to actually put money aside.” – Erik Wecks

#98. “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

#99. “I’m only rich because I know when I’m wrong. I basically have survived by recognizing my mistakes.” – George Soros

#100. “He who loses money, loses much. He who loses a friend, loses much more. He who loses faith, loses all.” – Eleanor Roosevelt

Funny Money Quotes

#101. “Money is a terrible master but an excellent servant.” – P.T. Barnum

#102. “It takes twenty years to build a reputation and five minutes to ruin it. If you think about that, you’ll do things differently.” – Warren Buffett

#103. “A nickel ain’t worth a dime anymore.” – Yogi Berra

• Read now: Learn over 50 fun facts about money you didn’t know

#104. “How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” – Robert G. Allen

#106. “Not everything that can be counted counts, and not everything that counts can be counted.” – Albert Einstein

#107. “There comes a point when you stand in the rain and you get so wet, you can’t get any wetter.” – Unknown

#108. “Wealth is like sea-water. The more we drink, the thirstier we become. And the same is true of fame.” – Arthur Schopenhauer

#109. “The stock market is filled with individuals who know the price of everything, but the value of nothing.” – Phillip Fisher

#110. “Don’t buy things you can’t afford with money you don’t have to impress people you don’t like.” – Dave Ramsey

#111. “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

#112. “A simple fact that is hard to learn is that the time to save money is when you have some.” – Joe Moore

#113. “I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of socks. Got a fur sink. An electric dog polisher. A gasoline powered turtleneck sweater. And, of course, I bought some dumb stuff, too.” – Steve Martin

#114. “Money often costs too much.” – Ralph Waldo Emerson

#115. “My old father used to have a saying. If you make a bad bargain, hug it all the tighter.” – Abraham Lincoln

#116. “The only place where success comes before work is in the dictionary.” – Vidal Sassoon

#117. “If all the economists were laid end to end, they’d never reach a conclusion.” – George Bernard Shaw

#118. “The best way to rob a bank is to own one.” – Robert Kiyosaki

#120. “If you owe the bank $100, that’s your problem. If you owe the bank $100 million, that’s the bank’s problem.” – J. Paul Getty

#121. “Of the billionaires I have known, money just brings out the basic traits in them. If they were jerks before they had money, they are simply jerks with a billion dollars.” – Warren Buffett

#122. “The four most expensive words in the English language are, ‘This time it’s different.'” – Sir John Templeton

#123. “The quickest way to double your money is to fold it in half and put it in your back pocket.” – Will Rogers

Building Wealth Quotes

#124. “Wealth is not limited, rather it grows. It grows whenever man exerts energy.” – Abhishek Kumar

#125. “My formula for success is rise early, work late and strike oil.” – J. Paul Getty

#126. “It is better to hang out with people better than you. Pick out associates whose behavior is better than yours and you will drift in that direction.” – Warren Buffett

#127. “A journey of a thousand miles must begin with a single step.” – Lao Tzu

#129. “It takes as much energy to wish as it does to plan.” – Eleanor Roosevelt

#130. “Without continual growth and progress, such words as improvement, achievement, and success have no meaning.” – Benjamin Franklin

#131. “You can only become truly accomplished at something you love. Don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you.” – Maya Angelou

#132. “Wealth is only a benefit of the game of money. If you win, the money will be there.” – J. Paul Getty

#133. “No wealth can ever make a bad man at peace with himself.” – Plato

#134. “Persist. Don’t take no for an answer. If you’re happy to sit at your desk and not take any risk, you’ll be sitting at your desk for the next 20 years.” – David Rubenstein

#135. “That man is richest whose pleasures are cheapest.” – Henry David Thoreau

#136. “As long as you’re going to be thinking anyway, think big.” – Donald Trump

#137. “Not he who has much is rich, but he who gives much.” – Erich Fromm

#138. “Wealth is not his that has it, but his that enjoys it.” – Benjamin Franklin

• Read now: Learn the 15 steps to build wealth

#139. “Either you create million excuses or you create million rupees. But you cannot create both.” – Abhishek Kumar

#140. “Only those who are asleep make no mistakes.” – Ingvar Kamprad

#141. “Wealth after all is a relative thing since he that has little and wants less is richer than he that has much and wants more.” – Charles Caleb Colton

#143. “Wealth is the ability to fully experience life.” – Henry David Thoreau

#144. “Try to save something while your salary is small. It’s impossible to save after you begin to earn more.” – Jack Benny

#145. “What we really want to do is what we are really meant to do. When we do what we are meant to do, money comes to us, doors open for us, we feel useful, and the work we do feels like play to us.” – Julia Cameron

#146. “Opportunity is missed by most people because it is dressed in overalls and looks like work.” – Thomas Edison

#147. “If you would be wealthy, think of saving as well as getting.” – Ben Franklin

#148. “Wealth is when small efforts produce big results. Poverty is when big efforts produce small results.” – Unknown

#149. “When it comes to money, you can’t win. If you focus on making it, you’re materialistic. If you try to but don’t make any, you’re a loser. If you make a lot and keep it, you’re a miser. If you make it and spend it, you’re a spendthrift. If you don’t care about making it, you’re unambitious. If you make a lot and still have it when you die, you’re a fool for trying to take it with you. The only way to really win with money is to hold it loosely and be generous with it to accomplish things of value.” – John C. Maxwell

Final Thoughts

There are my favorite quotes about personal finance.

I hope you enjoyed reading them and that you learned something.

Whatever it is you did learn, now is the time to take action and start improving your financial life.

These quotes are a good start and money affirmations help as well .

You won’t turn things completely around overnight.

By be taking the first step, you will see improvement in time.

I have over 15 years experience in the financial services industry and 20 years investing in the stock market. I have both my undergrad and graduate degrees in Finance, and am FINRA Series 65 licensed and have a Certificate in Financial Planning.

Visit my About Me page to learn more about me and why I am your trusted personal finance expert.

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Personal Finance | Budgeting | Debt Payoff

Personal Finance

180 famous finance quotes to boost your money mindset.

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Having the right mindset about money is one of the prerequisites for financial freedom. We also have to admit to the fact that our money mindset is shaped by different factors, including how we were raised and how we perceive financial opportunities around us. But interestingly, quotes about finance can inspire you to make the right decisions about your financial situation.

I was still in college when I saw a quote that says, “If you were born poor, it’s not your fault. But if you die poor, it’s your fault”. I realize that I may not come from a well-off household, but that doesn’t mean I shouldn’t build a financially successful family. Basically, the quote changed my life by inspiring me greatly.

In this post, I will share numerous finance quotes that would cause a positive shift in your mindset toward money.

What Is The Most Famous Finance Quote Of All Time?

Benjamin Franklin has one of the most famous finance quotes of all time. He said, “An investment in knowledge pays the best interest”. This means we should strive to invest in quality information that will improve the quality of our lives, including our finances, of course.

The remarkable thing about quotes is that they always have something essential to say. Many of life’s lessons are embedded in quotes. You can only uncover these secrets if you are able to comprehend whatever the quotes are saying. When it comes to financial success , there are so many quotes you can draw inspiration from.

Below are 180 best finance quotes, quotes about financial success, and quotes about financial freedom to improve your money mindset.

Empowering Personal Finance Quotes

Sometimes, you don’t need a motivational speaker to lift your spirit and encourage you to chase after financial success. Here are some empowering personal finance quotes that will certainly motivate you:

1. “To get rich, you have to be making money while you’re asleep.” – David Bailey

2. “Being rich is having money; being wealthy is having time.” – Margaret Bonanno

3. “A dream doesn’t become reality through magic; it takes sweat, determination and hard work.” ― Colin Powell

4. “All our dreams can come true if we have the courage to pursue them.” ― Walt Disney

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

6. “The only thing that overcomes hard luck is hard work.” ― Harry Golden

7. “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

8. “Stay committed to your decisions, but stay flexible in your approach.” ― Tony Robbins

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

10. “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

11. “Do one thing every day that scares you.” ― Eleanor Roosevelt

12. “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

13. “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

14. “It’s better to look ahead and prepare than to look back and regret.” ― Jackie Joyner-Kersee

15. “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

16. “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

17. “Belief in oneself and knowing who you are … that’s the foundation for everything great.” ― Jay-Z

18. “Diligence is the mother of good luck.” — Benjamin Franklin

19. “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

Quotes About Financial Success

Are you looking for words that will inspire you to succeed financially ? Here are some top finance quotes from people who have succeeded remarkably:

1. “Don’t look for the needle in the haystack. Just buy the haystack.” — Jack Bogle

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

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

4. “Everything is negotiable. Whether or not the negotiation is easy is another thing.” — Carrie Fisher

5. “Don’t wait to buy real estate. Buy real estate and wait.” — Will Rogers

6. “Buy land. They’re not making it anymore.” — Mark Twain

7. “Wealth is largely the result of habit.” — John Jacob Astor

8. “ Making money is a hobby that will complement any other hobbies you have, beautifully.” — Scott Alexander

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

10. “The key to making money is to stay invested.” ― Suze Orman

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

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

13. “The best way to predict the future is to create it.” ― Abraham Lincoln

14. “Making money from money is like aerobatics.” — Alisher Usmanov

15. “I don’t believe in spending money lavishly, now that I’m making money.” — Ansel Elgort

16. “The only point in making money is, you can tell some big shot where to go.” — Humphrey Bogart

Quotes About Financial Freedom

Financial freedom is being able to live your life without having to worry about money problems . It’s knowing you have more than enough money to afford your needs and wants. Here are some financial freedom quotes that will inspire you:

1. “To achieve what one percent of the world’s population has (Financial Freedom), you must be willing to do what only one percent dares to do. Hard work and perseverance of highest order.” – Manoj Arora

2. “Financial Freedom is less about financials and more about freedom.” – Manoj Arora

3. “You can make excuses and earn sympathy, or you can make money and earn admiration. The choice is always yours…” – Manoj Arora

4. “You do pay a price for your financial freedom, but it is far lesser than what you pay for a lifetime of slavery.” – Manoj Arora

5. “Financial freedom is mental, emotional, and education process.” – Robert Kiyosaki

6. “More important than how we achieve financial freedom is the why. Find your reasons why you want to be free and wealthy.” – Robert Kiyosaki

7. “To obtain financial freedom, one must be either a business owner, an investor or both, generating passive income, particularly on a monthly basis.” – Robert Kiyosaki

8. “Financial independence is about having more choices.” – Robert Kiyosaki

9. “The philosophy of the rich and the poor is this: the rich invest their money and spend what is left. The poor spend their money and invest what is left.” – Robert Kiyosaki

10. “When you understand that your self-worth is not determined by your net worth, then you’ll have financial freedom.” – Suze Orman

11. “A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” – Suze Orman

12. “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

13. “I believe that through knowledge and discipline, financial peace is possible for all of us.” – Dave Ramsey

14. “To become financially independent, you must turn part of your income into capital; turn capital into enterprise; turn enterprise into profit; turn a profit into an investment, and turn the investment into financial independence.” – Jim Rohn

15. If you are not financially independent by the time you are forty or fifty, it doesn’t mean that you are living in the wrong country or at the wrong time. It simply means that you have the wrong plan.” – Jim Rohn

16. “Pursuing your passion is fulfilling and leads to financial freedom” – Robert G. Allen

17. “Financial freedom is the power to produce wealth and not necessarily having wealth.”– Stephen Covey

18. “Working because you want to and not because you have to is financial freedom.”– Tony Robbins

19. “You either master money or, on some level, money masters you.” – Tony Robbins

20. “The secret to wealth is simple: Find a way to do more for others than anyone else does. Become more valuable. Do more. Give more. Be more. Serve more.” – Tony Robbins

21. “Financial fitness is not a pipe dream or a state of mind. It’s a reality if you are willing to pursue it and embrace it.” – Will Robinson

Financial Planning Quotes

Making financial plans is one of the ways to predict what your finances will look like in the future. Here are several top finance quotes , and famous quotes about finances to help you plan better:

1. “If your goal is to become financially secure, you’ll likely attain it… But if your motive is to make money to spend money on the good life… you’re never gonna make it.” – Thomas J. Stanley

2. “Frugality isn’t about cutting your spending on everything. Frugality is about choosing the things you love enough to spend extravagantly on – and then cutting costs mercilessly on the things you don’t love. The mindset of frugal people is key to being rich.” – Ramit Sethi

3. “Budgeting your money is the key to having enough.” – Elizabeth Warren

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

5. “Debt erases freedom more surely than anything else.” – Merryn Somerset Webb

6. “How else can we predict the future if we don’t plan for it?” –Zig Ziglar

7. “It’s not your salary that makes you rich, it’s your spending habits.” – Charles A. Jaffe

8. “Stop thinking about what your money can buy. Start thinking about what your money can earn.” – J.L. Collins

9. “Investing is not nearly as difficult as it looks. Successful investing involves doing a few things right and avoiding serious mistakes.” – Jack Bogle

10. “Don’t make excuses for why you can’t get it done. Focus on all the reasons why you must make it happen.” – Oprah Winfrey

11. “There are many things money can buy, but the most valuable of all is freedom. Freedom to do what you want and to work for whom you respect.” – J.L. Collins

12. “Someone’s sitting in the shade today because someone planted a tree a long time ago.” – Warren Buffet

13. “The most difficult thing is the decision to act, the rest is merely tenacity.” – Amelia Earhart

14. “When it is obvious that the goals cannot be reached, don’t adjust the goals; adjust the action steps.” – Confucius

15. “Money looks better in the bank than on your feet.” – Sophia Amoruso

16. “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

17. “Accomplished goals are born out of feasible plans” – Zig Ziglar

18. “Planning is how I determine the price that needs to be paid for a goal” – Tony Blair

Quotes About Building Wealth

Building wealth is the only way to attain financial freedom. Here are some famous finance quotes on wealth creation that will inspire you:

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

2. “Never spend your money before you earn it – Thomas Jefferson

3. “Wealth is the ability to fully experience life” – Henry David Thoreau

4. “Energy and imagination are the springboards to wealth creation.” – Brian Tracy

5. “Investing is for wealth preservation, not wealth creation, so first you have to make wealth.” – James Altucher

6. “Money is usually attracted, not pursued.” –Jim Rohn

7. “The market economy is very good at wealth creation but not perfect at all about wealth distribution.” – Jonathan Sacks

8. “The difference between successful people and really successful people is that really successful people say no to almost everything.” – Warren Buffet

9. “It is not the creation of wealth that is wrong, but the love of money for its own sake.” – Margaret Thatcher

10. “Free enterprise is essentially a formula not just for wealth creation, but for life satisfaction.” – Arthur C. Brooks

11. “So I’m definitely in favor of stimulating the dynamic wealth creation sectors of the economy.” – Boris Johnson

12. “If we are not sensible about this, in our ideas of wealth creation we may completely destroy the planet – which we are already doing in many ways.” – Jaggi Vasudev

13. “If you’re saving, you’re succeeding.” – Steve Burkholder

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

15. “Start saving and investing early in life. In due course of time you will see the magic of compounding.” – Invajy

16. “Many people earn money at the cost of health and fitness, and at later stage of life spend all that money on health issues.” – Invajy

Finance Motivational Quotes

It’s easier to pursue financial success relentlessly when you are self-motivated. The following finance motivational quotes will motivate you greatly:

1. “I never took a day off in my 20’s. Not One.” – Bill Gates

2. “Start with the end in mind. If you want to be a millionaire, talk like one, act like one, work like one.”- Bob Proctor

3. “Become a millionaire not for the million dollars, but for what it will make of you to achieve it.” – Jim Rohn

4. “You have to make the shift from being a consumer in the economy to becoming an owner—and you do it by becoming an investor.” – Tony Robbins

5. “If you are born poor it’s not your mistake, but if you die poor it’s your mistake.” – Bill Gates

6. “You can’t work three hours a week and make $100,000. Getting rich quick doesn’t work. Crockpot mentality always defeats microwave mentality!” – Dave Ramsey

7. “Most people fail to realize that in life, it’s not how much money you make. It’s how much money you keep.” – Robert Kiyosaki

8. “You can’t just wish to be a millionaire; you have to figure out how to earn it.” – Dolly Parton

9. “I believe people have to follow their dreams—I did.” – Larry Ellison

10. “Rich people are committed to being rich. Poor people want to be rich.” – T. Harv Eker

11. “Always discover your vision and the rest will follow.” – Arnold Schwarzenegger

12. “All wealth comes from adding value, from producing more, better, cheaper, faster, and easier than someone else.” – Brian Tracy

13. “Look yourself in the mirror and ask yourself, what do I want to do every day for the rest of my life…Do that.” – Gary Vaynerchuk

14. “Winners are not afraid of losing. But losers are. Failure is part of the process of success. People who avoid failure also avoid success.” – Robert Kiyosaki

15. “If you want to fly with the eagles, don’t swim with the ducks!” – T. Harv Eker

16. “Being rich isn’t a privilege. Being rich is a right. If you create massive value for others, you have the right to be as rich as you want.” – Steve Siebold

17. “The easiest thing I ever did was earn a million dollars. The hardest thing I ever did, and it took years, was believing I was capable of earning a million dollars.” – Les Brown

18. “Fortune always favors the brave, and never helps a man who does not help himself.” – P.T. Barnum

19. “I now realize there are millions of self-made millionaires who started with nothing. They dug inside themselves to find the answers and they succeeded. There is nothing anyone else can do, that I can’t do.” – Dean Graziosi

20. “You cannot achieve success without failure.” – Sean “Diddy” Combs

21. “You don’t learn to walk by following rules. You learn by doing and falling over.” – Richard Branson

22. “What’s keeping you from being rich? In most cases it’s simply a lack of belief. In order to become rich, you must believe you can do it, and you must take the actions necessary to achieve your goal.” – Suze Orman

Inspirational Financial Quotes

Are you looking for inspirational financial quotes to keep you on your feet? Here are various quotes you should know about:

1. “A man acquires a fortune by doing his business thoroughly, while his neighbor remains poor for life because he only half does it.” – P.T. Barnum

2. “No matter what your dream is, you can make that dream a reality, …If you dream about being a millionaire, you can be that. All you have to do is study and be smart.” – Arnold Schwarzenegger

3. “The best time to expand is when no one dares to take risks.” – Andrew Carnegie

4. “No matter how smart you are, if you don’t know how to work with people, your dreams will just be dreams.” – Jack Ma

5. “The only difference between a rich person and a poor person is how they use their time.” – Robert Kiyosaki

6. “It doesn’t matter how many times you fail. You only have to be right once and then everyone can tell you that you are an overnight success.” – Mark Cuban

7. “You can’t go into business thinking that success will come to you in just one or two years.” – Do Won Chang

8. “Never depend on a single income.” – Warren Buffett

9. “Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” – Norman Vincent Peale

10. “The big secret in life is that there is no big secret. Whatever your goal, you can get there if you’re willing to work.” – Oprah Winfrey

11. “How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” – Robert G. Allen

12. “The biggest risk is not taking any risk. In a world that is changing really quickly, the only strategy that is guaranteed to fail is not taking risks.” – Mark Zuckerberg

13. “Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition.” – Steve Jobs

14. “If you want to get rich, think of saving as earning.” – Andrew Carnegie

15. “Failure is not the opposite of success; it is part of success.” – Anonymous

16. “Money is just a consequence. I always say to my team, “Don’t worry too much about profitability. If you do your job well, the profitability will come.” – Bernard Arnault

17. “The big money is not in the buy or selling, but in the waiting.” – Charlie Munger

18. “Go as far as you can see; when you get there, you’ll be able to see farther.” – J.P. Morgan

19. “Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.” – Zig Ziglar

Funny Finance Quotes

Funny finance quotes will inspire you and crack your ribs a little bit. I bet everyone wants to be inspired in such a fun way. Here are some humorous quotes about money to motivate you today:

1. “Money is like a sixth sense – and you can’t make use of the other five without it.” – William Somerset Maugham

2. “Money, if it does not bring you happiness, will at least help you be miserable in comfort.” – Helen Gurley Brown

3. “Money is not the most important thing in the world. Love is. Fortunately, I love money.” – Jackie Mason

4. “Dogs have no money. Isn’t that amazing? They’re broke their entire lives. But they get through. You know why dogs have no money? .. No Pockets.” – Jerry Seinfeld

5. “Anyone who lives within their means suffers from a lack of imagination.” – Oscar Wilde

6. “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

7. “If you think nobody cares if you’re alive, try missing a couple of car payments.” – Earl Wilson

8. “Inflation is when you pay fifteen dollars for the ten-dollar haircut you used to get for five dollars when you had hair.” – Sam Ewing

9. “Business is the art of extracting money from another man’s pocket without resorting to v#olence.” – Max Amsterdam

10. “I don’t like money, actually, but it quiets my nerves.” – Joe Louis

11. “Budget: a mathematical confirmation of your suspicions.” – A.A. Latimer

12. “Money is like manure. You have to spread it around or it smells.” – J. Paul Getty

13. “If women didn’t exist, all the money in the world would have no meaning.” – Aristotle Onassis

14. “Money isn’t the most important thing in life, but it’s reasonably close to oxygen on the “gotta have it” scale.” – Zig Ziglar

15. “People are living longer than ever before, a phenomenon undoubtedly made necessary by the 30-year mortgage.” – Doug Larson

16. “Money’s only something you need in case you don’t die tomorrow.” – Carl Fox

17. “The rich. Do you know why they’re so odd? Because they can afford to be.” –Alexander Knox

18. “The only reason I made a commercial for American Express was to pay for my American Express bill.” – Peter Ustinov

19. “You should always live within your income, even if you have to borrow to do so.” – Josh Billings

20. “We didn’t actually overspend our budget. The allocation simply fell short of our expenditure.” – Keith Davis

21. “If you owe the bank $100 that’s your problem. If you owe the bank $100 million, that’s the bank’s problem.” – JP Getty

Final Thoughts On Famous Finance Quotes

It’s difficult to remain focused and motivated when several roadblocks are impeding your goal. However, when you find ways to stay inspired, you develop the courage to keep chasing after what you want until it is accomplished.

Hopefully, the finance quotes, financial planning quotes, and quotes about building wealth listed in this post will serve as a great source of inspiration, improving your money mindset and reassuring you that financial freedom is achievable.

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Author: Anthony Ihz

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40 Best Finance Quotes

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!

Table of Contents

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.

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.

Final Thought

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.

48 Best Personal Finance Quotes

Motivational | Financial freedom | Financial wisdom | Funny

Personal finances affect every aspect of our daily lives. Whether that’s a lack of financial stability, not knowing where to put your excess or missing financial confidence, we all need a little help sometimes.

That’s why we love these 48 best personal finance quotes. Famous authors, business owners, and financial advisors all have their own unique wisdom when it comes to personal finance. It pays off to listen and learn from these wise financial sayings.

Motivational quotes about personal finance

The following quotes are here to inspire us to take control of our personal finances once and for all. These empowering words will lift you up and fill you with the motivation you need to reach your financial goals.

1. “Fortune befriends the bold.” – Emily Dickinson

2. “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

3. “The question isn’t at what age I want to retire, it’s at what income.” – George Foreman

4. “Not money, Not skills, but Time is the biggest lever for massive wealth creation.” – Manoj Arora

5. “Formal education will make you a living; self-education will make you a fortune.” – Jim Rohn

6. “The more you learn, the more you earn.” – Warren Buffet

7. “Rich people focus on opportunities. Poor people focus on obstacles.” – Harv Eker

8. “The goal isn’t more money. The goal is living life on your terms.” – Chris Brogan

9. “You cannot escape the responsibility of tomorrow by evading it today.” – Abraham Lincoln

10. “Working because you want to, not because you have to is financial freedom.” – Tony Robbins

11. “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

12. “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

Financial freedom quotes

Not everybody receives a strong financial education from their families or schooling. That’s where advice quotes can become particularly helpful, because it’s never too late to learn. Think about how you can apply these financial learnings to your own situation, or share them with a friend who needs some help.

1. “Beware of little expenses; a small leak will sink a great ship.” – Benjamin Franklin

2. “Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris

3. “When you know the impact of little expenses, you will realise that there is nothing little in this world.” – Manoj Arora

4. “Financial planning and discipline is key to one’s financial freedom.” – Kishorkumar Balpalli

5. “Wealth, like a tree, grows from a seed. The sooner you plant that seed the sooner shall the tree grow.” – George S. Clason

6. “To contract new debts is not the way to pay old ones.” – George Washington

7. “Your focus determines your reality.” – George Lucas

8. “How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” – Robert G. Allen

9. “To get rich, you have to be making money while you’re asleep.” – David Bailey

10. “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

11. “Financial struggle is often the direct result of people working all their lives for someone else.” – Robert Kiyosaki

12. “You can make excuses and earn sympathy, or you can make money and earn admiration. The choice is always yours.” – Manoj Arora

Financial wisdom quotes

Sometimes the day-to-day grind of making, spending, and saving money gets on top of us, and we can begin to lose perspective. That’s when the words of Epictetus to Nelson Mandela are required to enlighten and shine a light on the true meaning of life, and the way personal finances relate to this.

1. “He who loses money, loses much; He who loses a friend, loses much more; He who loses faith, loses all.” – Eleanor Roosevelt

2. “A wise person should have money in their head, but not in their heart.” – Jonathan Swift

3. “Rather go to bed supperless, than rise in debt.” – Benjamin Franklin

4. “Money is usually attracted, not pursued.” – Jim Rohn

5. “Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” – Norman Vincent Peale

6. “Wealth consists not in having great possessions, but in having few wants.” – Epictetus

7. “Money won’t create success, the freedom to make it will.” – Nelson Mandela

8. “The real measure of your wealth is how much you’d be worth if you lost all your money.” – Anonymous

9. “If you live for having it all, what you have is never enough.” – Vicki Robin

10. “Wealth, after all, is a relative thing since he that has little and wants less is richer than he that has much and wants more.” – Charles Caleb Colton

11. “Financial fitness is not a pipe dream or a state of mind. It’s a reality if you are willing to pursue it and embrace it.” – Will Robinson

12. “Money is a guarantee that we may have what we want in the future. Though we need nothing at the moment it ensures the possibility of satisfying a new desire when it arises.” – Aristotle

Funny quotes about personal finance

Without humor, personal finance can become an overly serious and anxiety-inducing term. The truth is, there is much to laugh about when it comes to the trials and tribulations of getting together our personal finances. They’ll be successes, failures, and many times where it is better to laugh and move forward.

1. “If you pay peanuts, you get monkeys.” – James Goldsmith

2. “Remember the golden rule: he who has the gold makes the rules.” – Unknown

3. “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

4. “Money is a terrible master but an excellent servant.” – P.T. Barnum

5. “Money can’t buy happiness, but it can make you awfully comfortable while you’re being miserable.” – Clare Boothe Luce

6. “Don’t look for the needle in the haystack. Just buy the haystack.” – John Bogle

7. “Money is better than poverty, if only for financial reasons.” – Woody Allen

8. “If saving money is wrong, I don’t want to be right!” – William Shatner

9. “Risk comes from not knowing what you’re doing.” – Warren Buffett

10. “Christmas is the season when you buy this year’s gifts with next year’s money.” – Unknown

11. “Running into debt isn’t so bad. It’s running into creditors that hurts.” – Unknown

12. “Money, if it does not bring you happiness, will at least help you be miserable in comfort.” – Helen Gurley Brown

What did you think of these 48 personal finance quotes? Whether you want to become more enlightened and empowered, are looking for advice, or just a little laugh, we hope you enjoyed this blog post.

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Johannes Larsson

Website: Financer.com

Johannes Larsson is the founder and CEO of Financer.com, an SEO geek and affiliate marketing expert. He’s been practicing entrepreneurship and digital marketing for over a decade and runs a global remote team.

In his blog, he shares his expertise in SEO, affiliate marketing, and finance with a wealth of free resources for digital entrepreneurs.

BEST QUOTES ABOUT PERSONAL FINANCE AND GOOD MONEY MANAGEMENT

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

“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

“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

“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

“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

“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

“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

“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

“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

“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

“Bad debt is sacrificing your future day needs for your present day desires.” – Suze Orman

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:

• Financial Literacy Quotes
• Money Mindset Quotes
• Best Personal Finance Books

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,

BRITISH BILLIONAIRE RICHARD BRANSON’S NET WORTH

5 PERSONAL FINANCE BOOKS EVERYONE SHOULD READ

The STRIVE is on a mission to inspire and uplift 1 billion people by 2032. Our primary aim is to help as many people as possible believe in the uncommon thought, that they can be more than they are, do more than they've done, and achieve more prosperity than they've ever dreamed possible. Let's achieve the impossible together.

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RAY DALIO’S NET WORTH AND HOW HE BUILT HIS WEALTH

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Ray Dalio is an investor, hedge fund manager, multibillionaire, and bestselling author. He’s the founder of Bridgewater Associates, a highly successful investment firm with over $125 billion in managed assets, and currently the largest hedge fund in the world. In short, he’s highly successful and has built up a sizeable fortune for himself over the years. How sizeable? Well, that’s exactly what we aim to touch upon in this Ray Dalio net worth write-up.

So, if you want to know what Ray Dalio is worth, how much he makes, and how he built his fortune, then let’s get right to it.

What Is Ray Dalio’s Net Worth?

As of 2024 Ray Dalio’s net worth is approximately $28 billion . Forbes placed his net worth back in 2015 at roughly 15.4 billion; however, with some simple math, and using his annual investment track record, it’s easy to see that his net worth is much larger these days. [1]

The bulk of Dalio’s wealth was earned between 2010 and 2020, however, his path to massive wealth creation began way back in 1974 when he started his firm.

How Much Does Ray Dalio Make Per Year?

According to our research, Ray Dalio has been averaging around $500 million to $1 billion per year for the past couple of years. [ 2] , [3]

That said, now that he’s retired from Bridgewater Associates, his income will likely be changing. So, what will Ray Dalio’s income be this year?

Well, if Dalio takes a conservative approach to managing his money, he could leverage it to earn a significant annual salary. If he shoots for a safe 4% yield on his assets (3% to 5% is the historical yield for safe investments), his income will hover around $1.12 billion in perpetuity.

That’s not bad for retirement income.

RAY DALIO MONEY METRICS

Note:  this is a estimated earnings metric based off the earning power of Ray Dalio’s net worth.  It does not include how much Ray Dalio makes from other projects, sponsorships, his book royalties etc… This calculation is for entertainment purposes only.

Ray Dalio Net Worth History

Ray Dalio’s net worth has grown consistently over the past couple of years. In 2017, his net worth was around $16.8 billion.

His net worth had a decent jump in 2021, and has continued to grow since. His rate of growth has been approximately 75% over the past 6 years.

Interesting Ray Dalio Facts:

• Ray Dalio has 1.2 million Instagram followers, 1.2 million Twitter followers, 451K Facebook followers, 2.5 million Linkedin followers, and 2.27 million YouTube subscribers. As such, his grand total of social media followers 7.62 million .
• Dalio has published 6 different books and has sold over a million of his books across the world.
• Ray Dalio was born in New York City, on August 8, 1949.
• He began investing at the age of 12.
• Ray Dalio believes mediation is key for creating a successful life.

Related: Best Investment Books

How Did Ray Dalio Get Rich?

Ray Dalio graduated from Harvard with an MBA. He worked on Wall Street for a short time before starting his own investment firm out of his two-bedroom apartment.

Dalio is an advocate for diversification, and pioneered the innovated investment strategy known as “risk parity”. His approach helped him gain the confidence of many new clients. And his ability to consistently grow his client’s investments, while minimizing downside risks, helped him accelerate his firm’s growth.

For many years, Dalio’s returns topped the SP500. As such, his investment track record began to speak for itself, and clients from all over the country and then the world, began pouring into his managed assets, and still do to this day.

As such, Ray Dalio’s innovative investment strategies, his disciplined and cautious approach to investing, along with his ability to adapt to changing market (local and global) conditions has helped him become one of the richest investors in the world.

Related: Ray Dalio Quotes For Success

Key Takeaways

Here are some key Ray Dalio takeaways:

• Ray Dalio Net Worth:   $28 billion
• Annual Earnings **:   $1.12 billion
• Social Media Followers:   7.62 million
• Keys to Success:   Investing, Diversification, Meditation

Ray Dalio has built a massive net worth for himself over the years. And much of it is due to his ability to help others preserve and grow their money.

Service to others is key. And Ray Dalio’s ability to provide a unique and much needed service to others is directly related to the size of his massive fortune.

Till you reach your financial aims,

PS – If you enjoyed this Ray Dalio net worth profile, then you may equally enjoy learning about the net worth of other notable investors and financial experts like:

Warren Buffett Net Worth | Dave Ramsey Net Worth | Robert Kiyosaki Net Worth

**  These earnings are calculated off the earning power of Ray Dalio’s estimated net worth assuming a 4.0% dividend yield.

Ed Mylett  is a successful businessman, peak performance coach, podcast host, as well as one of the fastest growing social media personalities on the web. He’s also the best-selling author of ‘ The Power of One More ‘, and he’s a multi-millionaire. Which is exactly what we intend to highlight on this Ed Mylett net worth profile page.

So, if you’re ready to dive into Ed Mylett’s net worth, let’s get to it.

What Is Ed Mylett’s Net Worth?

Ed Mylett’s net worth as of the time of this writing in 2024 is approximately $540 million. In 2019 Ed’s net worth was estimated at $410 million, however, with the Laguna real estate market (which is where he resides) growing at 8.8% year over year, and the stock markets historical growth rate of 9.9%, we feel $540 million as his net worth is a conservative estimate.

Ed found major success with the World Financial Company, where his success in sales would eventually lead him to running his company’s marketing department as the CEO of Marketing and eventually making an 8 figure income.

That said, Mylett’s net worth has yet to cease growing. He still collects royalties on his book, and he’s consistently pursuing other money making avenues as a coach, speaker, and online media mogul.

As such, we believe his net worth will only compound with time. Heck, he may even reach billionaire status in the next decade or so.

How Much Does Ed Mylett Make

Have you ever wondered exactly how much money Ed Mylett makes per year these days? Us too. Unfortunately, there are virtually no publicly verifiable accounts of his current annual earnings.

That said, we can still provide you with how much he could make just by leveraging his net worth alone. Here’s what we’d come up with.

Presupposing Ed sold all of his fancy cars, expensive houses, and all his other assets, and moved them into a few safe dividend paying assets like REITS or Stocks at a 4.5% annual yield. Ed Mylett’s annual income would be a whopping $24,300,000 . Here’s a further breakdown of his numbers:

Ed Mylett Money Metrics

Note:  this is a hypothetical (but very possible) earnings Metric for Ed Mylett based off of his net worth’s earning power alone.  It does not include how much he potentially earns from projects, sponsorships, royalties, or social media revenue, etc. Again, this calculation is for entertainment purposes only. Methodology

Ed Mylett’s Social Influence

Ed Mylett has 2.5 million Instagram followers, 724K YouTube subscribers, 334K Facebook Followers, and 291K million Twitter followers. This comes out to a grand total of  3.85 million social media followers .

Speaking of social influence, one of Ed Mylett’s stated beliefs is that you become who you spend the most time with, and Ed’s been known to keep some pretty big names in his social circles. Ed’s social circle includes names like Tony Robbins , Grant Cardone , and even Tom Brady .

Interestingly enough, all of their net worth’s are pretty much in the same ball park. Perhaps there truly is something to be said about the law of association .

How Did Ed Mylett Get So Wealthy?

Ed Mylett was once an aspiring professional baseball player.  Unfortunately, he incurred an injury while playing baseball in college that sidelined him from the sport.

After experiencing a form of aimlessness for a short period of time after having his dreams shattered, he was given an opportunity to become a mentor to some at risk youths at an orphanage.

His experience with these kids helped him form the leadership skills that he’d eventually leverage to succeed in business.

Ed joined the World Financial Group (WFG) in the early 90s, and utilized the competitiveness and extreme focus he gained as a collegiate athlete, along with the soft skills he acquired while mentoring at the orphanage.

This combination of skills and having a heart to serve, helped Ed’s career take off.  He achieved rapid success, by leading multiple teams effectively. 

His business and leadership prowess were so effective in fact, that he advance in the company in just a few short years, ultimately becoming the organization’s CEO Marketing Director, then it’s senior Executive Vice Chairman, and then ultimately the Director of Field Leadership.

Mylett’s rapid rise led to rapid financial gains.  Ed eventually left the industry, but leapt into performance coaching and public speaking, which he still does till this day.

A large portion of Ed Mylett’s wealth also stems from savvy investments in real estate and other investment related ventures.

That said, his achievements are still in full swing, and he’s still actively adding to his massive financial pie as the owner of his own enterprises.

Read More: Ed Mylett Success Story

Here are some key Ed Mylett takeaways:

• Net Worth of Ed Mylett:   $540 million
• Annual Earnings **:   $24.3 million
• Social Media Followers:   3.85 million

Ed Mylett’s sizeable net worth is directly related to his “one-more” mindset, or said another way, his willingness to push and fight for that extra inch or extra mile in all he does. In addition to this, his charisma, and his ability to inspire, encourage, and motivate millions of people all over the world has also helped him build a sizeable fortune as well.

“Life is going to give you what you fight for.” – Ed Mylett

Related: Ed Mylett Quotes

That said, now it’s your turn. Hopefully you’ll leverage Ed Mylett’s inspiring financial achievements to move you to rethink and recalibrate what’s possible for you.

You can follow his blueprint, create your own, or get rich with a normal job . It doesn’t matter how you do it, all that matters is that you get started on trying to make it happen. Because you can’t build a house, a life, a future, or a larger fortune without taking action.

So, till your reach your aims,

PS – If you enjoyed this Ed Mylett Net Worth profile, then you may also enjoy learning about the net worth profiles of other entrepreneurs, motivators, and success icons like:

Tom Bilyeu Net Worth | Robert Kiyosaki Net Worth | Gary Vee Net Worth

** These earnings are hypothetical and calculated off of Ed Mylett’s net worth’s earning power alone assuming a 4.5% dividend yield.

MARK CUBAN’S NET WORTH AND WHAT IT TAKES TO BE SUCCESSFUL

Mark Cuban  is one of the most recognized names in the world when it comes to entrepreneurship. He’s an American entrepreneur, investor, highly successful businessman, and the richest cast member of the hit reality T.V. show ‘Shark Tank’. He’s also the owner of the NBA’s Dallas Mavericks, and he has ownership stakes in over 206 additional enterprises.

“It’s Not About Money Or Connections, It’s About The Willingness To Outwork and Outlearn Everyone.” – mark cuban –

Indeed, Mark Cuban has accomplished quite a bit in his life, and he has built up a sizeable net worth in the process.

So, that’s exactly what this page will be putting a spotlight on; Mark Cuban’s net worth and his earning power. And, just for good measure we’ll also include a few fun facts related to his success and influence. So, let’s dive in.

What Is Mark Cuban’s Net Worth?

Mark Cuban’s net worth has been slowly growing over the years, with an average growth in net worth over the past 5 years coming in at around 5.7% per year. Thus, his current net worth as of 2024 is approximately $4.6 billion . [ 1 ]

How Much Does Mark Cuban Make a Year?

There are various mentions of Mark Cuban’s annual earnings from his ownership of the Mavericks, and the amount he is paid from each episode of the Shark Tank (estimated at around $32,488) [ 2 ] ; however, none of the figures are 100% confirmed.

As such, we can not provide a corroborated amount for how much money Mark Cuban makes per year. However, even without these numbers, we can still provide you with a reasonable estimate based off the earning power of his $4.6 billion net worth alone.

So, if you’ve ever wondered how much does Mark Cuban make a day, month, or even a year, our metric will give you a rough estimate.

To get to this number, we will assume Mark Cuban is a savvy enough investor to earn an annual 4.0% yield on his combined $4.6 billion net worth (FYI, a 4.0% return on investment is a very reasonable yield to expect, especially considering historical returns on safe investments tend to fall between the 3% to 5% range).

Related: The 4% Rule

So, if hypothetically speaking, Mark Cuban decided to liquidate all of his assets and then used that money to buy a handful of REITS or stocks in solid companies that consistently pay out a modest 4.0% yield per year (i.e. any combination of these dividend aristocrat businesses ), his annual income would very easily be $184 million per year. 

Here’s is Mark Cuban’s Money Metrics for what the comes out to per month, day, hour etc..

Mark Cuban’s Money Metrics

Note:  this is a hypothetical (but very possible) earnings metric based off of the earning power of Mark Cuban’s Net worth.  It does not include how much he potentially earns from projects, sponsorships, Shark Tank shows, Maverick’s Ownership income, or social media, etc. Again, this calculation is for entertainment purposes only. Methodology

• Mark Cuban was born July 31, 1958 in Pittsburg, Pennsylvania, U.S.A.
• Cuban is the proud father of 3 (Alexis, Jake, and Alyssa) and is married to Tiffany Stewart.
• Mark Cuban became a millionaire at the age of 32 and a billionaire at the age of 40.

Mark Cuban’s Social Media Earning Power

Mark Cuban has been growing his social media presence over the past decade, and his influence on the various social platforms continues to grow.

That said, if you’ve ever wondered about how much he could also make from his social media reach alone, we got you covered.

First things first; Mark Cuban has 1.9 million Instagram followers, 1.5 million Facebook Followers, 10K YouTube subscribers, 8.8 million Twitter followers, and 720K TikTok followers. This comes out to a grand total of 12.93 million social media followers .

So, after incorporating the average social media marketing rates, Mark Cuban could easily command nearly $120K per sponsored post… if he wanted to.

How Did Mark Cuban Become So Rich?

After Mark Cuban was fired from a software company because he chose to seal a deal for $15,000 against his bosses wishes, instead of cleaning up the store, as was requested of him, he struck out on his own.

Mark Cuban Cuban would then go on to find much of his initial success as a scrappy 32year old entrepreneur who sold his very first business, Micro Solutions for around $6 million in 1990.

He then went on to join Audionet (which would eventually become Broadcast.com) in 1995, and helped grow the company to a point where it was earning millions in annual revenue. In 1999 the company was sold to Yahoo! for a whopping $5.7 billion, making Mark Cuban a billionaire by the age of 40.

Shortly after, in early 2000, Mark Cuban would go on to acquire a majority stake in the NBA’s Dallas Mavericks. Since then, Cuban has found additional successes via a variety of film appearances, in addition to becoming a star cast member of the world-renowned reality T.V. show ‘Shark Tank’.

For a more detailed account of Mark Cuban’s “Rags to Riches” story and how he became so successful, be sure to check out our Mark Cuban Success Story

Mark Cuban on Success

Mark Cuban’s success has certainly been no accident. He’s a big believer in self-education, hard work, and putting in the effort to compete and stay ahead of his competition.

In fact, here are a few of Mark Cuban’s own thoughts on success:

“There is very little knowledge that can’t be obtained through effort.” – Mark Cuban

“It’s not about money or connections — It’s the willingness to outwork and outlearn everyone when it comes to your business. And if it fails, you learn from what happened and do a better job next time.” – Mark Cuban

“Work like there is someone working 24 hours a day to take it all away from you.” – Mark Cuban

“The key to being successful and achieving your dreams no matter what they are, is finding something you really really like to do, and being great at it.” – Mark Cuban

Related: Mark Cuban Quotes on Success

Here’s a great video to watch for additional insights on what Mark Cuban believes it takes to be successful:

Video Credit: Yahoo Finance ( Subscribe Here )

Start Building a Net Worth Like Mark Cuban

Mark Cuban struck it big with the sale of his first two businesses, which eventually helped him build his sizeable net worth. But, Mark also had to be strategic in his investments and pay attention to where and how he stored his money.

Had he been careless, his net worth would not be nearly as large as it is today. With that said, here are a few small steps you, yes you can start taking today to start building your own net worth .

Sure, it may take while to grow your fortune to a Mark Cuban sized net worth, but hey, we all have to start somewhere:

• How To Build Your Net Worth
• Getting Rich With a Normal Job
• How To Become a Millionaire
• 5 ETFs That Can Make You RICH

 Here are some key takeaways from Mark Cuban’s net worth profile:

• Mark Cuban’s Net Worth:   $4.6 billion
• Annual Earnings **:   $184 million
• Social Media Followers:   12.93 million
• Social Media Earning Power: Approximately $120K per sponsored post
• Keys to Success:   Self-Education, Effort, Staying Ahead of The Competition

Mark Cuban’s massive net worth is directly related to his willingness to put in the time to conduct the extensive research necessary to get ahead of his competitors, that and the extra effort needed to sufficiently innovate to stay ahead of his competitors as well.

In addition to this, his large fortune is also a result of his penchant for taking calculated risks to reach his goals. Certainly, Cuban’s a bit less risky these, days, but, he was quite fearless in his younger years.

With that said, we hope you’ll take these insights and allow them to inspire you to reach your aims.

PS – If you enjoyed this net worth profile on Mark Cuban then we have a hunch you’ll be interested in learning about who is the richest shark on Shark Tank .

** These earnings are hypothetical and calculated off of Mark Cuban’s net worth’s earning power alone assuming a 4.0% dividend yield.

John D. Rockefeller  is the quintessential American business success story. Stemming from modest means in the mid 1800’s, to go on to become one of History’s richest men. He was a visionary, entrepreneurial, and really good with money. How good? Well, that’s exactly what we aim to touch upon in this John D. Rockefeller net worth write-up.

So, if you’ve ever wanted to know John D. Rockefeller’s net worth, how much he made, and how he built his fortune, then let’s get right to it.

What Is John D. Rockefeller’s Net Worth?

John D. Rockefeller’s financial goal was to make $100,000. In today’s dollars, that would be equivalent to $3.5 million, assuming he established the goal when he landed his first job. But Rockefeller far surpassed his lofty aims.

According to a Harvard case study conducted on Rockefeller, his net worth at the time of his his death in 1937 at approximately $1.4 billion. [1] But, his NY Times obituary placed his wealth at the height of his fortune closer to $1.5 billion. [2]

That said, after accounting for inflation over the past 86+ years on his highest recorded financials, John D. Rockefeller’s net worth is approximately $32 billion .

How Much Did John D. Rockefeller Make Per Year?

In 1918, John D. Rockefeller’s highest recorded taxable income was $33,000,000, which by today’s standards after adjusting for inflation, comes out to approximately $670 million per year.

That said, if Rockefeller simply applied the 4% rule to his wealth he could have very easily brought in $1.28 billion per year , without putting a dent in his net worth.

Whichever figure you choose to go by, it’s still pretty good money. It’s especially good money considering he retired at the age 58 in 1897. Which goes to show, he was just as good at managing his money, as he was at building a business empire.

Here’s a breakdown of just how much money he would have had to work with daily, monthly, etc…

JOHN D. ROCKEFELLER’S MONEY METRICS

Note:  this is a estimated (but very possible) earnings Metric for John D. Rockefeller based off the earning power of his net worth.  We chose to use this figure, because it better reflects his potential earning power as one of the richest men in history. This calculation is for entertainment purposes only. Methodology

Some Fun John D. Rockefeller Facts:

• Every year, Rockefeller celebrated the anniversary of his first job, September 26th.
• He donated over $500 million to charitable causes.
• Rockefeller was know for handing out dimes (roughly $4) to strangers wherever he went.
• One of John D. Rockefeller’s goals was to reach the age of 100. He missed it by 2 years.

How Did John D. Rockefeller Get So Rich?

As mentioned earlier, Rockefeller stemmed from humble beginnings. He started off as essentially a poor kid with zero wealth to his name.

The extent of his formal business education was a ten-week accounting course he took at the age of 16. Shortly after he landed his first job as an assistant bookkeeper.

Rockefeller excelled in his duties as bookkeeper. In his first year working, he earned $500 (the equivalent of $17.5K in income today). He went on to achieve rapid raises over the years, maxing out at $700 ($24.5K today).

And by the time he was 19, he was ready to strike out on his own. So, in 1858 he and a friend raised some capital and started their own produce commission business, ‘Clark & Rockefeller’.

They were profitable early on, garnering nearly $4,400 ($161K today) in just their first year. Rockefeller and his partner would go all-in with their company, and aggressively leveraged debt to rapidly expand their operations.

Oil and Opportunity

When 1863 rolled around, and after sizing up the opportunity and potential that existed within the Oil Industry, Rockefeller made another big move. This time, after having a hunch that the oil industry would continue growing in demand, he leapt into the burgeoning industry by partnering with a handful of entrepreneurs to launch a small oil refinery.

2 years later the company would go belly up due to mismanagement and gross speculation. But, Rockefeller leveraged debt once again to buy out his partners and own the company outright.

After a number of acquisitions and mergers over the years, his purchase would transform into The Standard Oil company. Rockefeller would leverage his reputation and companies equity to acquire the capital to swallow up his competitors.

By 1872 just about all of Rockefeller’s competitors in Cleveland were bought out. Rockefeller would wash, rinse, and repeat the same process, from state to state.

His relentless reinvestments back into the business also game him significant advantages over his competitors, as it allowed him to offer better bargains to customers, leading to his acquiring more and more market share.

Over time, his methods proved to be unmatched, allowing to him acquire more wealth than any living person at the time.

Related: The Science of Getting Rich

Success In His Own Words

That said, here a few powerful words and success anecdotes that John D. Rockefeller had offered up as the key reasons for his success and riches:

1. “I Do Not Think There Is Any Other Quality So Essential To Success Of Any Kind As The Quality Of Perseverance. It Overcomes Almost Everything, Even Nature.” – John D. Rockeffeler

2. “The Secret To Success Is To Do The Common Things Uncommonly Well.” – John D. Rockeffeler

3. “If You Want To Succeed You Should Strike Out On New Paths, Rather Than Travel The Worn Paths Of Accepted Success.” – John D. Rockeffeler

4. “The Common Denominator For Success Is Work.” – John D. Rockeffeler

5. “I always tried to turn every disaster into an opportunity.” – John D. Rockefeller

Read More: John D. Rockefeller Quotes

Here are some key John D. Rockefeller takeaways:

• John D. Rockefeller Net Worth:   $32 billion
• Annual Earnings **:   $1.28 billion
• Keys to Success:   Taking Risks, Leveraging Capital, Paying Attention to The Future

The extraordinary size of John D. Rockefeller’s net worth is no accident. He was an astute businessman, with an eye for value and seeing the future of demand, and he also had a penchant for employing effective cost-saving strategies.

A key takeaway however, should be that he did it all with very little formal education, and no college degree. He started from the bottom, and built a magnificent business empire with will power alone.

That said, John D. Rockefeller’s business and wealth-building feats are extraordinary. And while achieving a multibillion dollar fortune like him may seem out of reach for most, we can certainly learn from his ways and build a modest fortune for ourselves.

PS – If you enjoyed our John D. Rockefeller net worth profile, then you may equally enjoy learning about the net worth of other Titans of their Industry like the following:

• Andrew Carnegie

** These earnings are hypothetical and calculated off of the earning power of John D. Rockefeller’s net worth alone assuming a 4.0% dividend yield.

Kevin O’Leary  is a world-renowned businessman, entrepreneur, author, venture capitalist, and T.V. personality. Most know him as Mr. Wonderful from his charismatic presence on the hit reality T.V. show, ‘Shark Tank’. And, as a successful entrepreneur and venture capitalist, O’Leary has founded, invested, and sold numerous businesses over the years, bringing him fame, financial success, and a massive net worth. So, that’s exactly what we’ll be highlighting on this Kevin O’Leary Net Worth page; his fortune and his earning power.

“You Don’t Build Wealth Part-Time.” – kevin o’leary –

So, if you’ve ever wondered what Mr. Wonderful’s net worth is, and how much he makes or could make, then let’s dive right in to the numbers.

What Is Kevin O’Leary’s Net Worth?

Kevin O’Leary’s net worth in 2020, 2021, and 2022 was reported to be around $400 million per Celebrity Net worth. [1] However, considering the market’s (both real estate and stock market) shift over the past three years has been a net gain, and considering this “Shark” invests for a living, at the very least, the estimate for Kevin O’Leary’s net worth is unquestionably higher. [2]

That said , we all know Mr. Wonderful is all about building wealth full-time, so it’s highly unlikely that his net worth would remain stagnant for 3 years in a row. An investor who’s wealth remains the same year after year isn’t a very good investor.

Therefore, after incorporating the years of growth and assessing the growth rate of his various assets, and careful analysis, Kevin O’Leary’s net worth as of 2024 is most likely $483 million . As such, this makes him the 2nd richest Shark from Shark Tank, just below billionaire Mark Cuban’s net worth .

How Much Does Kevin O’Leary Make?

With a sizeable net worth like this, you probably want to know how much Kevin O’Leary makes a year. Well, he earns about $30,000 per Shark Tank episode, and there’s an average of 24 episodes per year. So, from Shark Tank alone, he pulls in approximately $720,000 per year.

Kevin O’Leary also started a wine venture known as O’Leary Fine Wines, which he’s apparently transitioning into an affordable luxury business known as Shop Mr. Wonderful. His income from this venture has yet to be disclosed. O’Leary also earns royalties from books he’s authored, fees from speaking engagements, management fees from his investment Fund (O’Leary Investments) and dividends from his own investments.

That said, we don’t have a definitive number for you when it comes to Kevin O’Leary’s salary.

The Earning Power of O’Leary’s Net Worth

However, here’s a baseline income estimate that Kevin O’Leary could easily make per year based off of the earning power of his Net Worth alone. To get this estimate, we must first assume he’ll take his entire $483 million net worth, cash it out, and then reinvest that money into a bucket of assets that can pay out on average 4% annually.

4% is a reasonable estimate annual yield, considering 3% to 5% is what the average returns on extremely safe investments have been historically. [3]

That said, after crunching the numbers, Kevin O’Leary could easily make  $19.3 million  per year starting today by leveraging his net worth. All he’d have to do is liquidate all his assets and place them into a few safe haven dividend paying stocks, ETFs, or REITs.

Assuming he did this, here’s what that type of pay out would look like monthly, weekly, and daily.

Kevin O’Leary’s Money Metrics

Note:  this is a hypothetical (but very possible) earnings Metric for Kevin O’Leary based off of his net worth’s earning power alone.  It does not include how much he potentially earns from projects, sponsorships, his participation on Shark Tank, or social media, etc.. This baseline calculation is for entertainment purposes only. Methodology

Kevin O’Leary’s Social Media Influence

If you’ve ever wondered what Kevin O’Leary’s social media influence is, and how much his social clout could earn him? Here’s your answer.

Kevin O’Leary has over 441K million Facebook followers, 986K Twitter followers, 1 million Instagram followers, and 837K YouTube followers, which comes out to a grand total of  3.2 million social media followers .

That said, if Kevin O’Leary chose to leverage his social media influence, he could earn roughly $30K per sponsored post .

There is no difference between collecting fine #watches and #fineart They are both alternative asset classes. In fact, my watch collection has outperformed the #S &P for over a decade. Now I want to turn it up to 11. There is only one place to go. One of A Kind! @AudemarsPiguet pic.twitter.com/czdL4kIImY — Kevin O'Leary aka Mr. Wonderful (@kevinolearytv) February 8, 2023

Kevin O’Leary Key Facts

• O’Leary’s mother taught him everything he knows about investing.
• Kevin O’Leary’s birth name is Terence Thomas Kevin O’Leary.
• He’s the proud father of 2 children (Trevor & Savannah).
• He’s an avid collector and investor of watches.
• O’Leary once ran for office in Canada.
• Kevin’s worst investment cost him over half a million dollars.
• He’s invested in over 40 different deals found on Shark Tank alone. [4]

How Did Kevin O’Leary Get Rich?

Kevin O’Leary didn’t get rich over night. While in grad school studying for his MBA, Kevin started an internship with Nabisco that would eventually turn into a full-time job. From this job he learned the ropes of business and marketing as an assistant brand manager.

But his corporate career was short lived, as he left this job to start an independent production company with a few of his former classmates. The new business saw limited success, but O’Leary would eventually get bought out of his position in the company for $25,000.

O’Leary would go on to leverage this payout, as well as $10,000 of seed money that he was able to borrow from his mother to help get his newly co-founded software distribution and publishing company off the ground. The company was named Softkey.

Kevin O’Leary would go on to grow Softkey year over year, conducting a handful of acquisitions in the process. After 13 productive years of growing the company, O’Leary and co. finally sold to Mattel for $4.2 billion in 1999. [5] It was at this point that Kevin officially became not just rich, but free .

As they say, the rest was history. A few short years after O’Leary became a multimillionaire, he landed a role on Canada’s version of ‘Shark Tank’, ‘The Dragon’s Den. Then just a few years later he made his onto the big show, ABC’s ‘Shark Tank’.

He’s been involved in a variety of projects within the private equity world, and creating his own mutual funds and ETFs ever since.

Kevin O’Leary On What It Takes

That said, here are few additional success and financial insights from Mr. Wonderful. These quotes paint a solid picture on the mindset and thinking that has helped him build the fortune he now enjoys. Here you go:

“I like to take risks, that’s how I make money. But they are calculated risks.” – Kevin O’Leary

“Money is my military, each dollar a soldier. I never send my money into battle unprepared and undefended. I send it to conquer and take currency prisoner and bring it back to me.” – Kevin O’Leary

“The key to success that I would’ve taught myself 20 years ago — shut up and listen.’ – Kevin O’Leary

“Working 24 hours a day isn’t enough anymore. You have to be willing to sacrifice everything to be successful, including your personal life, your family life, maybe more. If people think it’s any less, they’re wrong, and they will fail.” – Kevin O’Leary

Related: Kevin O’Leary Success Quotes

Additional Financial Insights

If you want to dig deeper into the thinking process that has helped Kevin O’Leary dramatically grow his wealth, the video below is worth watching. It provides some generous advice on what it takes to get rich in 90 days from Mr. Wonderful himself:

Video Credit: Kevin O’Leary ( Subscribe Here )

Related Resources For Building Wealth:

Here are a handful of key takeaways from our Kevin O’Leary net worth page:

• Kevin O’Leary Net Worth:   $483 million
• Annual Earnings **:   $19.3 million
• Social Media Followers:   3.2 million
• Social Media Earning Power: $30K per sponsored post
• Keys to Riches:   Taking Risks, Business Ownership, Hard Work

The net worth of Kevin O’Leary is impressive and without a doubt it is continually growing. His business acumen and investment prowess seems to only be getting sharper with time. As such, we predict his fortune will grow to over $1 billion within the next 10 years or less.

That said, Kevin O’Leary’s sizeable fortune is something that should inspire us. Certainly, it’s large and it may even seem impossible to obtain for many. But, it doesn’t have to be. Nor does it mean that we shouldn’t aspire to learn and build our own fortunes .

Till you reach aims,

PS – If you enjoyed this Kevin O’Leary net worth profile, then you’ll likely enjoy perusing through the some of the net worth profiles of his fellow Sharks:

• Mark Cuban Net Worth
• Lori Greiner Net Worth
• Robert Herjavec Net Worth

** Disclaimer: These earning are hypothetical and calculated off of the earning power of Kevin O’Leary’s net worth alone, assuming a 4% dividend yield.

100+ MOTIVATING MILLIONAIRE QUOTES FROM THE SELF-MADE

The concept of the self-made millionaire is one of the most inspiring and energizing narratives of the 21st century. One of the most captivating aspects about the person who has become self-made, is the fact that they were once like you and I. They were at one point in time, very much normal, average, and lacking the millionaire status that so many of us attribute to “making it”.

“The Sight of a Achievement is the Greatest Gift a Human Can Offer to Others.”

Indeed, the self-made millionaire is a shining example of what’s possible for a great many of us big dreamers. So, in honor of those who started from the same humble beginnings as the rest of us, but have managed to claw their way to the financial status that most people deep down aspire to achieve, we’ve pulled together this list of catalyzing quotes from a handful of well-known self-made millionaires. May they inspire you to continue to strive towards your journey of becoming rich and achieving the self-made millionaire status.

Behold…

MILLIONAIRE QUOTES OF THE SELF-MADE

1. “We are all self-made, but only the successful will admit it.” – Earl Nightingale

2. “I believe you have to be willing to be misunderstood if you’re going to innovate.” – Jeff Bezos

3 . “Disciplined, consistent, and persistent actions are more of a determining factor in the creation of success than any other combination of things.” – Grant Cardone

4. “I never took a day off in my 20’s. Not One.” – Bill Gates

5. “Start with the end in mind. If you want to be a millionaire, talk like one, act like one, work like one.”- Bob Proctor

6. “Become a millionaire not for the million dollars, but for what it will make of you to achieve it.” – Jim Rohn

7. “You have to make the shift from being a consumer in the economy to becoming an owner—and you do it by becoming an investor.” – Tony Robbins

8. “If you are born poor it’s not your mistake, but if you die poor its your mistake.” – Bill Gates

9. “You can’t work three hours a week and make $100,000. Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality!” – Dave Ramsey

10. “Most people fail to realize that in life, it’s not how much money you make. It’s how much money you keep.” – Robert Kiyosaki

Speaking of risk. If you’re someone who feels they lack the confidence to take the meaningful action necessary to create the life of your dreams, be sure to check this out.

11. “You can’t just wish to be a millionaire; you have to figure out how to earn it.” – Dolly Parton

12. “I believe people have to follow their dreams—I did.” –  Larry Ellison

13. “People don’t want to be millionaires – they want to experience what they believe only millions can buy.” – Tim Ferriss

14. “Rich people are committed to being rich. Poor people want to be rich.” – T. Harv Eker

15. “Always discover your vision and the rest will follow.” – Arnold Schwarzenegger

16. “All wealth comes from adding value, from producing more, better, cheaper, faster, and easier than someone else.” –  Brian Tracy

17. “Look yourself in the mirror and ask yourself, what do I want to do every day for the rest of my life…Do that.” – Gary Vaynerchuk

18. “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

19. “Winners are not afraid of losing. But losers are. Failure is part of the process of success. People who avoid failure also avoid success.” – Robert Kiyosaki

20. “It’s not about the money. It’s about the passion.” – Cristiano Ronaldo

21. “Stop chasing the money and start chasing the passion.” – Tony Hsieh

22. “If you want to fly with the eagles, don’t swim with the ducks!” – T. Harv Eker

23. “If you don’t find a way to make money while you sleep, you will work until you die.” – Warren Buffett

24. “Being rich isn’t a privilege. Being rich is a right. If you create massive value for others, you have the right to be as rich as you want.” – Steve Siebold

25. “You have to decide that you will become a deca-millionaire, and then you must reinforce that decision, over and over. Put a stake in the ground right now: “ I am going to become very, very rich. ” – Grant Cardone

26. “The easiest thing I ever did was earn a million dollars. The hardest thing I ever did, and it took years, was believing I was capable of earning a million dollars.” – Les Brown

27. “Fortune always favors the brave, and never helps a man who does not help himself.” – P.T. Barnum

28 . “I now realize there are millions of self-made millionaires who started with nothing. They dug inside themselves to find the answers and they succeeded. There is nothing anyone else can do, that I can’t do.” – Dean Graziosi

29. “When something is important enough, you do it even if the odds are not in your favor.” – Elon Musk

30. “You cannot achieve success without failure.” – Sean “Diddy” Combs

31. “You don’t learn to walk by following rules. You learn by doing and falling over.” – Richard Branson

32. “The man who acquires the ability to take full possession of his own mind , may take possession of anything else to which he is justly entitled.” – Andrew Carnegie

33. “Don’t underestimate the power of your instinct.” – Barbara Corcoran

34. “What’s keeping you from being rich? In most cases it’s simply a lack of belief. In order to become rich, you must believe you can do it, and you must take the actions necessary to achieve your goal.” – Suze Orman

35. “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

36. “Risk more than others think safe. Dream more than others think practical. Expect more than others think possible. Care more than others think wise.” – Howard Schultz

37 . “An investment in knowledge pays the best dividends.” – Benjamin Franklin

38.  “A man acquires a fortune by doing his business thoroughly, while his neighbor remains poor for life because he only half does it.” – P.T. Barnum

39. “No matter what your dream is, you can make that dream a reality, …If you dream about being a millionaire, you can be that. All you have to do is study and be smart.” – Arnold Schwarzenegger

40. “Knowledge is more important than money.” – Master P

41. “The best time to expand is when no one dares to take risks.” – Andrew Carnegie

42. “It’s all about dreams.  Dreams cost nothing, they are free.” – Sylvester Stallone

43. “No matter how smart you are, if you don’t know how to work with people, your dreams will just be dreams.” – Jack Ma

44. “If you don’t play to win, don’t play at all.”  – Tom Brady

45. “The only difference between a rich person and a poor person is how they use their time.” – Robery Kiyosaki

46. “Don’t be intimidated by what you don’t know.” – Sara Blakely

47. “It doesn’t matter how many times you fail. You only have to be right once and then everyone can tell you that you are an overnight success.” – Mark Cuban

48. “If the road trip to wealth were easy, would everyone be wealthy? Expect a price to be paid. Expect risk and sacrifice. Expect bumps in the road.” – M.J. Demarco

49. “You can’t go into business thinking that success will come to you in just one or two years.” – Do Won Chang

50. “Never depend on a single income.” – Warren Buffett

51. “I never grew up thinking the goal in life was to be a millionaire.” – Cecelia Ahern

52. “If you work just for money, you’ll never make it. But if you love what you’re doing, success will be yours.” – Ray Kroc

53. “If you think can do a thing or think you can’t do a thing, you’re right.” – Henry Ford

54. “Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” – Norman Vincent Peale

55. “The big secret in life is that there is no big secret. Whatever your goal, you can get there if you’re willing to work.” – Oprah Winfrey

56. “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

57. How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case. –Robert G. Allen

58. “ The biggest risk is not taking any risk. In a world that is changing really quickly, the only strategy that is guaranteed to fail is not taking risks.” – Mark Zuckerberg

59. “Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition.” – Steve Jobs

60. “If you want to get rich, think of saving as earning.” – Andrew Carnegie

61. “Failure is not the opposite of success; it is part of success.” – Millionaire Quote

62. “Money is just a consequence. I always say to my team, “Don’t worry too much about profitability. If you do your job well, the profitability will come.” – Bernard Arnault

63. “The big money is not in the buy or selling, but in the waiting.” – Charlie Munger

64. “Formal education will make you a living; self-education will make you a fortune.” – Jim Rohn

65. “Go as far as you can see; when you get there, you’ll be able to see farther.” – J.P. Morgan

66. “Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.” – Zig Ziglar

67. “It matters not what someone is born, but what they grow to be.” – J.K. Rowling

68. “The only way you are going to have success is to have lots of failures first.” – Sergey Brin

69. “Money may go to bad people but it never goes to bad ideas.” – Kevin O’Leary

70. “If you believe in it, and you believe in it hard, it is impossible to fail.” – Ray Kroc

71. “Risk more than others think safe. Dream more than others think practical.” – Howard Schultz

72. “Of all the people I have met who have achieved a level of economic success similar to my own were driven to realize a dream, but not necessarily to become wealthy. Remember, success is doing what you want to do.” – Robert Herjavec

73. “Being realistic is the most commonly traveled road to mediocrity.” – Will Smith

74. “I grew up poor, but I didn’t have poor dreams .” – Magic Johnson

75. “You just have to find that thing that’s special about you that distinguishes you from all the others, and through true talent, hard work, and passion, anything can happen.” – Dr. Dre

76. “The only place where success comes before work is in the dictionary.” – Vidal Sassoon

77. “If people are not laughing at your goals, your goals are too small.” – Aziz Premji

78. “I don’t design clothes. I design dreams.” – Ralph Lauren

79. “First comes the shy wish. Then you must have the heart to have the dream. Then, you work, and work.” – Estée Lauder

80. “Success takes communication, collaboration, and sometimes, failure.” – Jessica Alba

81. “I believe that most successful people are ordinary people with extraordinary determination.” – Mary Kay Ash

82. “I work as hard as anybody will ever work and I like that. That’s why I’ve been successful and that is when I feel good about myself. If I do my damnedest and don’t succeed, I feel good about the effort.” – Mark Wahlberg

83. “Success isn’t overnight. It’s when everyday you get a little better than the day before. It all adds up.” – Dwayne “The Rock” Johnson

84. “You will learn more from your failures than your successes – so embrace those mistakes, as difficult as that sounds, and grow from them. When a project is successful, you’re never really sure why, because so many elements come into play. However, when you fail, you always know why. That is how you learn and grow.” – Lynda Resnick

86. “Ferrari doesn’t advertise on TV because their customers don’t watch much of it.” – Patrick Bet-David

87. “Relentlessly strive to come up with new and better products and produce them more efficiently than the alternatives.” – Charles G. Koch

88. “Have fun. The game is a lot more enjoyable when you’re trying to do more than just make money.” – Tony Hsieh

89. “Don’t go broke trying to look rich.” – Ed Mylett

90. “Obsessed is a word used often by the lazy, in order to describe the dedicated.” – Tai Lopez

91. “The few who do are the envy of the many who watch.” – James Earl Schoaff

92. “If you want to be successful, you have to jump, there’s no way around it. When you jump, I can assure you that your parachute will not open right away. But if you do not jump, your parachute will never open. If you’re safe, you’ll never soar!” – Steve Harvey

93. “If you do not see riches in your imagination, you will never see them in your bank balance.” – Napoleon Hill

94. “What determines your wealth is not how much you make but how much you keep of what you make.” – David Bach

95. Success is often achieved by those who don’t know that failure is inevitable.” – Coco Chanel

96. “Take the word “No” out of your damn vocabulary.” – Tilman Fertitta

97. ”After a certain point, money is meaningless. It ceases to be the goal. The game is what counts.” – Aristotle Onassis

98. “As you start your journey, the first thing you should do is throw away that store-bought map and begin to draw your own.” – Michael Dell

99. “I’ve never chased money. It’s always been about what I can do to motivate and inspire people.” – Tyler Perry

100. “Ideas don’t make you rich. The correct execution of ideas does.” – Felix Dennis

101. “Don’t focus on you, focus on what you can give others.” – Daymond John

102. “Cut out anyone holding you back.” – 50 Cent

103. “The greatest accomplishment in life isn’t what you’re paid, it’s who you become.” – Lori Greiner

104. “If you give up at the first sign of struggle, you’re really not ready to be successful.” – Kevin Hart

105. “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

106.  “There is only one thing that makes a dream impossible to achieve: the fear of failure.” – Paulo Coelho

107. “Self-talk and visualization are the two keys to my success.” – David Goggins

108. “If you do what the average person does, you will be as the average person is. Average.” – Codie Sanchez

109. “To succeed in this world, you have to change all the time.” – Sam Walton

110. “Passion and purpose scale – always have, always will.” – Elon Musk

111. “Get rich by taking something common and making it uncommon.” – John D. Rockefeller

112. “I can guarantee you will never achieve anything greater than your greatest aspiration.” – Dan Peña

113. “Go as far as you can see; when you get there, you’ll be able to see farther.” – J.P. Morgan

114. “Don’t wait your turn. Bet on yourself and have the confidence to stand up and say, “My time is now.” – Robert F. Smith

115. “One has to remember that every failure can be a stepping-stone to something greater.” – Colonel Sanders

116. “Focus on providing value, the rest will take care of itself.” – Ryan Pineda

117. “The key to success is to focus on acquiring skills rather than focusing on a business model.” – Jeff Lerner

Related: How to Become a Millionaire

Bonus Millionaire Quote

Bonus: Here is one last bonus millionaire quote for you. Pay heed to this self-made quote, because it is one of the easiest ways to find the financial success needed to eventually become a self-made millionaire.

“If You Are Focused On Delivering Value, Money Comes.” – Dan Lok –

Takeaways From These Millionaire Quotes

And that’s that! Our list of the best millionaire quotes. We hope they’ll provide you with the inspiration needed to keep reaching for that noble goal of becoming a millionaire. Here are some of the key takeaways that should help you the most:

• Becoming a millionaire requires effort and self-discipline
• Becoming a millionaire is largely a result of adding value to others
• Believing you can become a millionaire is essential
• Deciding to become a millionaire is just as critical
• Risk and innovation must be embraced

With that being said, let these millionaire quotes and takeaways be a catalyst for your renewed belief in yourself and your ability to become not just a millionaire, but self-made .

Until you reach your aims,

PS – If you enjoyed our millionaire quotes, then you’ll love these quotes on how to get in the millionaire fastlane . And chances are, you’ll also enjoy studying these millionaire and billionaire net worth profiles .

SARA BLAKELY NET WORTH AND HOW SHE GOT SO RICH

Sara Blakely  is a highly successful entrepreneur, philanthropist, and founder of the popular intimate apparel company, Spanx. Starting out within only $5,000, she created a brand that is known and appreciated by millions all over the world, and became rich and famous in the process. How rich? Well, that’s exactly what we aim to highlight in this Sara Blakely net worth profile.

So, if you’re curious about the size of Sara Blakely’s net worth, how much she earns from it, and a few details about how she found so much financial success, then let’s get right into it:

What Is Sara Blakely’s Net Worth?

As of 2024, Sara Blakely’s net worth is approximately $1.3 billion . Her net worth is up over the past few years, especially after she sold a large portion of her ownership in Spanx to Blackrock.

In 2021, Forbes placed her net worth at $1.1 billion, and in 2022 and 2023 her her net worth slightly to dipped, and then rose back to $1.2 billion. And with the economy and the markets rebounding recently her net worth is now even higher, hovering at the $1.3 billion mark.

How Much Does Sara Blakely Make Per Year?

Imagine making $52 million per year to do absolutely nothing. Well, Sara Blakely could do just that if she wanted to. If Blakely cashed out her net worth, and invested all of her money into a handful of diversified investments that paid out a minimum of a 4% annually, that’s exactly how much money she could make per year.

Of course, she’s still involved with her company, as Chair of Spanx, so she hasn’t retired just yet. But, her net worth is large enough to continue making her a fortune in perpetuity.

Having said that, Sarah’s company Spanx has shown to bring in approximately $400 million per year in revenue. [1] However, she has not made the salary she draws from the company public. So, we’ll stick to her fortune’s earning power.

SARA BLAKELY MONEY METRICS

Note:  this is an academic earnings metric based off the earning power Sara Blakely’s net worth.  It does not include how much she makes from projects, sponsorships, social media, etc. These calculations are estimates and are for entertainment purposes only. Methodology

Sarah Blakely Fun Facts:

• Sarah Blakely was born in 1971.
• She hails from Clearwater, FL, but currently resides in Atlanta, GA.
• Blakely didn’t get married until she was 37 years old.
• She’s currently married to Jesse Itzler and has 4 children.

How Did Sara Blakely Get Rich?

Having experienced a number of frustrating moments with trying to create a smooth look while wearing white pants, she opted to cut the ends off of pantyhose. When she did this, it dawned on her that she wasn’t the only one experiencing these fashion-related frustrations.

As such, Sara Blakely had an idea to bring a product to the market that she felt was needed. And Spanx was the solution. [2]

Sara went all-in on her idea to bring the perfect undergarment to the market. She took a big risk getting things started, and had her struggles in the beginning as well, but she persisted.

She pushed through the growing pains of entrepreneurship for two long years. But once she locked in a fabric factory that would produce her undergarments, her luck changed.

Her product practically flew off the shelves once she starting selling them in various big name retail outlets. Over the years she would add a few new items to her product line that her customers fell in love with as well.

And before Sara Blakely knew it, she became the world’s youngest self-made billionaire, and one of TIME’s 100 most influential people.

Related : Sara Blakely Success Story

Here are some key Sara Blakely takeaways:

• Sara Blakely Net Worth:   $1.3 billion
• Annual Earnings **:   $52 million
• Keys to Success:   Taking Risks, Following Her Intuition, Fulfilling a Need In the Market

Sarah Blakely’s massive net worth is a direct correlation to the amount of people she’s served. Millions of people needed high quality undergarments, and Spanx was and still is, consistently innovative in meeting it’s customer’s needs.

PS – If you enjoyed this Sara Blakely net worth profile page, then you may equally enjoy learning about the net worth profiles of other successful entrepreneurs like Lori Greiner or Richard Branson .

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The Top 25 Investing Quotes of All Time

Amanda Bellucco-Chatham is an editor, writer, and fact-checker with years of experience researching personal finance topics. Specialties include general financial planning, career development, lending, retirement, tax preparation, and credit.

When it comes to the world of investing , most people don't know where to start. Fortunately, great investors of the past and present can provide us with guidance. These investment quotes date back to Benjamin Franklin, and some are from modern experts like Dave Ramsey and Warren Buffett . The 25 quotes here were selected for their enduring value. Although markets may change, this investing advice is timeless.

Key Takeaways

• Timeless financial quotes give investors a better perspective on the future by conveying wisdom from the past.
• The best stock market quotes teach investors how success in the market depends on playing the odds instead of following natural instincts.
• Investment and wealth quotes show how to build a fortune in the long-run and spend it wisely.
• The top investing quotes from contrarians tell investors how they can profit by going against popular opinion.

Timeless Financial Quotes

1. "An investment in knowledge pays the best interest." — Benjamin Franklin

When it comes to investing, nothing will pay off more than educating yourself. Do the necessary research and analysis before making any investment decisions.

2. "Bottoms in the investment world don't end with four-year lows; they end with 10- or 15-year lows." — Jim Rogers

While 10- to 15-year lows are not common, they do happen. During these times, don't be shy about going against the trend and investing; you could make a fortune by making a bold move or lose your shirt. Remember the first quote in this article and invest in an industry you've researched thoroughly. Then, be prepared to see your investment sink lower before it turns around and starts to pay off.

3. "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

Be prepared to invest in a down market and to "get out" in a soaring market, as per the philosophy of Warren Buffett.

4. "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

It's far too easy for investors to lose perspective. Whenever something big goes wrong, a lot of people panic and sell their investments. Looking at history, the markets recovered from the 2008 financial crisis, the dotcom crash, and even the Great Depression, so they'll probably get through whatever comes next as well.

Best Stock Market Quotes

5. "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

Too many investors become obsessed with being right, even when the gains are small. Winning big and cutting your losses when you're wrong are more important than being right.  

6. "Given a 10% chance of a 100 times payoff, you should take that bet every time." — Jeff Bezos

Most people dismiss many of the best and most profitable investment ideas simply because they probably won't work. These investors never stop to consider how much they could make if unlikely outcomes actually occur. Jeff Bezos took those bets and became the richest person in the world.  

7. "Don't look for the needle in the haystack. Just buy the haystack!" — John Bogle

If it seems too hard to find the next Amazon, John Bogle came up with the only sure way to get in on the action. By buying an index fund , investors can put a little bit of money into every stock. That way, they never miss out on the stock market's biggest winners.  

8. "I don't look to jump over seven-foot bars; I look around for one-foot bars that I can step over." — Warren Buffett

Investors often make things too hard for themselves. The value stocks that Buffett prefers frequently outperform the market, making success easier. Supposedly sophisticated strategies, such as short selling , lose money in the long-run, so profiting is much more difficult.  

9. "The stock market is filled with individuals who know the price of everything, but the value of nothing." — Phillip Fisher

That is another testament to the fact that investing without an education and research will ultimately lead to regrettable investment decisions. Research is much more than just listening to popular opinion.  

10. "In investing, what is comfortable is rarely profitable." — Robert Arnott

At times, you will have to step out of your comfort zone to realize significant gains. Know the boundaries of your comfort zone and practice stepping out of it in small doses. As much as you need to know the market, you need to know yourself too. Can you handle staying in when everyone else is jumping ship? Or getting out during the biggest rally of the century? There's no room for pride in this kind of self-analysis. The best investment strategy can turn into the worst if you don't have the stomach to see it through.  

11. "How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case." — Robert G. Allen

Though investing in a savings account is a sure bet, your gains will be minimal due to the extremely low interest rates . But don't forgo one completely. A savings account is a reliable place for an emergency fund, whereas a market investment is not.  

12. "If there is one common theme to the vast range of the world’s financial crises, it is that excessive debt accumulation, whether by the government, banks, corporations, or consumers, often poses greater systemic risks than it seems during a boom." — Carmen Reinhart

Beware of debts that seem sensible during periods of prosperity. When a crisis comes, individuals, companies, and even governments that ran up debts during the boom usually suffer the most.  

13. "We don't prognosticate macroeconomic factors, we're looking at our companies from a bottom-up perspective on their long-run prospects of returning." — Mellody Hobson

It's very difficult to predict when the next recession or stock market crash will come, so many of the best investors don't even try. Instead, look for good companies with the strength to make it through the occasional challenging economic environment.  

14. "Courage taught me no matter how bad a crisis gets ... any sound investment will eventually pay off." — Carlos Slim Helu

Don't despair amid the inevitable setbacks that all investors face, especially during a crisis in the market. If the reasoning behind the investment was sound, stick with it, and it should eventually turn around.  

15. "The individual investor should act consistently as an investor and not as a speculator." — Ben Graham

You are an investor, not someone who can predict the future. Base your decisions on real facts and analysis rather than risky, speculative forecasts.  

Investment and Wealth Quotes

16. "The biggest risk of all is not taking one." — Mellody Hobson

There is a direct tradeoff between risk and returns . If investors stick to low-risk assets like the money market and bonds, then they run a high risk of low long-term returns.  

17. "Returns matter a lot. It's our capital." — Abigail Johnson

The long-run rate of return on investments ultimately determines how much wealth people accumulate over time. Always look at returns when considering mutual funds or exchange-traded funds ( ETFs ).  

18. "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're a millionaire by the time you're 30 but blow it all by age 40, you've gained nothing. Grow and protect your investment portfolio by carefully diversifying it, and you may find yourself funding many generations to come.  

19. "Know what you own, and know why you own it." — Peter Lynch

Do your homework before making a decision. Once you've made a decision, make sure to re-evaluate your portfolio on a timely basis. A wise holding today may not be a wise holding in the future.  

20. "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

By being modest in your spending, you can ensure you will have enough for retirement and can give back to the community as well.  

21. "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

If you think investing is gambling, you're doing it wrong. The work involved requires planning and patience. However, the gains you see over time are indeed exciting.  

Many of the best quotes about investing urge thoughtfulness over impulsiveness, boldness instead of caution, and smart research over flavor-of-the-month decision making.

Top Investing Quotes from Contrarians

22. "The four most dangerous words in investing are, it’s different this time." — Sir John Templeton

Follow market trends and history. Don't speculate that this particular time will be any different. For example, a major key to investing in a specific stock or bond fund is its performance over five years.

23. "Wide diversification is only required when investors do not understand what they are doing." — Warren Buffett

In the beginning, diversification is relevant. However, there are dangers of over-diversifying your portfolio. Once you've gotten your feet wet and have confidence in your investments, you can adjust your portfolio accordingly and make bigger bets.

24. "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

When hit with recessions or declines, you must stay the course. Economies are cyclical, and the markets have shown that they will recover. Make sure you are a part of those recoveries.

25. "The most contrarian thing of all is not to oppose the crowd but to think for yourself." — Peter Thiel

The Bottom Line

The world of investing can be cold and hard. Refer back to these quotes when you're feeling shaky or confused about investing. How are they relevant to your experience? Do you have any favorite quotes to add? Is there something you're overlooking that you could be doing differently? Whenever everything seems too tough, remember the words of Colin Powell, "A dream doesn't become reality through magic; it takes sweat, determination, and hard work."  

Forbes. " Top 100 Money Quotes of All Time ."

Jim Rogers. " Breakfast of Champions ."

Business Insider. " 15 Quotes From Self-Made Billionaires That Will Change Your Outlook On Money ."

The Motley Fool. " 4 Carlos Slim Quotes That Are More Relevant to Investors Than Ever ."

The Motley Fool. " 21 Invaluable Investing Quotes ."

Forbes. " Is Jeff Bezos' Letter Better Than Warren Buffett's? ."

The Motley Fool. " 9 Investing Tips from Investing Icon John Bogle That You Shouldn't Ignore ."

Inc. " 17 Warren Buffett Quotes That Will Inspire You to Remarkable Success and Happiness ."

The Motley Fool. " 10 Amazing Investment Quotes You've Probably Never Heard ."

Foreign Policy. " This Time Is Different: Eight Centuries of Financial Folly ."

Daily Beast. " Interview With Mellody Hobson ."

Black Enterprise. " 14 Quotes to Get Inspired For Business Growth and Leadership ."

Reuters. " Fidelity chairman says no need for IPO: Bloomberg ."

The Guardian. " Know what you own and know why you own it ."

MarketWatch. " The four most dangerous words in investing ."

Steven D. Price. " The Quotable Billionaire: Advice and Reflections From and For the Real, Former, Almost, and Wanna-Be Super-Rich and Others ," Page 164. Skyhorse Publishing Inc., 2009.

CNN. " Peter Lynch: Why he's buying now ."

The Motley Fool. " 12 Quotes That Will Make You Rethink Your Personal Finances ."

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Personal Finance Quotes for Motivation to Become Wealthy

Powerful quotes can have a huge impact on your journey to success. If you can find a quote which you love, you’ll have a guide on your path to success.

Below, I’ve gathered up a number of personal finance quotes to inspire you to become wealthy.

Financial freedom is a fantastic feeling, and it is something I hope everyone can experience in their live.

Hopefully, one of these quotes resonates with you and provides you some motivation to get out of debt , increase your income, save money, and build wealth.

Inspiring Personal Finance Quotes

Personal finance can be boring, but having lots of money is far from boring.

Here are some inspiring quotes on money, wealth, and life to get the motivation flowing:

Money is better than poverty, if only for financial reasons. – Woody Allen Money is a good servant but a bad master. – Sir Francis Bacon Riches are not an end of life, but an instrument of life. – Henry Ward Beecher You can be young without money, but you can’t be old without it. – Tennessee Williams Remember the golden rule: he who has the gold makes the rules. – Unknown Money isn’t everything, but it’s right up there with oxygen. – Zig Ziglar 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 Wealth is the ability to fully experience life. – Henry David Thoreau Money can’t buy happiness, but it can make you awfully comfortable while you’re being miserable. – Clare Boothe Luce

Saving Money Quotes

We all know that saving more money is important, but sometimes it’s hard to cut your expenses. Having a big bank account is better than having a small bank account.

Let’s get motivated from some of the greats like Ben Franklin, Warren Buffett, and Abe Lincoln!

The question isn’t at what age I want to retire, it’s at what income. – George Foreman A penny saved is a penny earned. – Ben Franklin If you can count your money, you don’t have a billion dollars . -J. Paul Getty Save a part of your income and begin now, for the man with a surplus controls circumstances and the man without a surplus is controlled by circumstances – Henry H. Buckley Prosperity is the fruit of labor. It begins with saving money – Abraham Lincoln Save money and money will save you. – Unknown Do not save what is left after spending, but spend what is left after saving. – Warren Buffett Save your money. you’re going to need twice as much money in your old age as you think – Michael Caine All days are not the same. Save for a rainy day. When you don’t work, savings will work for you. – Unknown If saving money is wrong, I don’t want to be right! – William Shatner

Money Investing Quotes

Growing wealth over time requires consistency, remaining calm and choosing the appropriate assets. 

Whether you are a beginner or pro investor, hopefully you can learn from these quotes on investing.

The goal of the nonprofessional should not be to pick winners – neither he nor his “helpers” can do that – but should rather be to own a cross section of businesses that in aggregate are bound to do well. A low-cost S&P 500 index fund will achieve this goal. – Warren Buffett When you look at the results on an after-fee, after-tax basis, over reasonably long periods of time, there’s almost no chance that you end up beating the index fund. – David Swensen Surprise, the returns reported by mutual funds aren’t actually earned by investors. – Jack Bogle An investment operation is one which, upon thorough analysis, promises safety of principal and an adequate return. Operations not meeting these requirements are speculative. – Benjamin Graham Risk comes from not knowing what you’re doing. – Warren Buffett Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves. – Peter Lynch

Life and Money Quotes

Becoming successful with your personal finances allows you to live the life you want and deserve . Here are a number of quotes for some motivation on your path to getting rich (both financially  and in living a rich life).

Whatever the mind of man can conceive and believe, it can achieve. – Napoleon Hill Those who have a “why” to live, can bear with almost any “how”. – Victor Frankl The most difficult thing is the decision to act, the rest is merely tenacity. – Amelia Earhart The man on top of the mountain didn’t fall there. – Vince Lombardi A journey of a thousand miles begins with a single step. – Lao-Tzu He who chooses the beginning of the road chooses the place it leads to. It is the means that determines the end. – Henry Emerson Fosdick Your choices are made in a moment, but their consequences will transcend a lifetime. – MJ DeMarco

Paying Off Debt Quotes

Debt sucks! Debt restricts you from living the life you want to live. Getting out of debt is possible, but will take some motivation and consistency.

If these quotes don’t motivate you to get out of debt and stay out of debt, I don’t know what will!

The rich rule over the poor, and the borrower is slave to the lender. – Proverbs 22:7 Good times are when people make debts to pay in bad times. – Robert Quinlin What can be added to the happiness of a man who is in health, out of debt, and has a clear conscience? – Adam Smith When you get in debt you become a slave. – Andrew Jackson Christmas is the season when you buy this year’s gifts with next year’s money. – Unknown Running into debt isn’t so bad. It’s running into creditors that hurts. – Unknown Rather go to bed supperless, than rise in debt. – Benjamin Franklin Never spend money before you have it – Thomas Jefferson If I owe you a pound, I have a problem; but if I owe you a million, the problem is yours. – John Maynard Keynes If you think nobody cares if you’re alive, try missing a couple of car payments. – Earl Wilson

Become Inspired to Build Wealth and Become Rich

Building wealth is not overly complicated, but will take time. Hopefully, you can use these personal finance quotes to motivate you on your path to financial success.

Personally, my favorite is:

Christmas is the season when you buy this year’s gifts with next year’s money.

That’s bad, but it’s a little bit sad because it’s true. People seem to go into credit card debt because they don’t have the cash to buy gifts… hopefully this isn’t you!

I also really liked the quote,

All days are not the same. Save for a rainy day. When you don’t work, savings will work for you.

This quote is about the concept of passive income – if you and I can build up passive income streams, then we won’t have to work for our money.

Take a scroll through these quotes again before you go and pass them on! Maybe a friend or family member could use some financial motivation!

Thanks for reading!

What is your favorite personal finance quote? What are some of your financial goals and do any of these quotes motivate you to become better?

You'll also like:

• Shield Your Wealth: The Ultimate Guide to Inflation Protection Strategies
• 7 Steps to Financial Freedom and Personal Finance Success
• The Difference Between Frugal and Cheap
• How to Manage Financial Infidelity (aka Hidden Spending)
• Living Above Your Means: A Path to Financial Distress
• 13 Common Financial Mistakes to Avoid When Building Wealth

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Home / Connelly Corner , Investing Wisdom / 31 Motivational Quotes to Drive Financial Success

31 Motivational Quotes to Drive Financial Success

January 12, 2015 / Kirti Anand Sharma / Connelly Corner , Investing Wisdom / 2 comments

Sometimes your attempts to satisfy clients or convince prospects to trust your financial plans may seem ineffective, making it difficult to keep the conversation alive and positive. Have you thought that in such cases all you might need is an ice-breaker?

Here’s a list of 30 motivational quotes about money, investing, success and financial independence.

You can use them to up your clients’ confidence, inspire them to achieve financial independence and sail through different stages of investing, without losing focus on their goals.

1. “The speed of your success is limited only by your dedication and what you’re willing to sacrifice” – Nathan W. Morris

2. “It’s pointless to set goals if you are not going to try to hit them.” – Don Connelly

3. “Financial fitness is not a pipe dream or a state of mind. It’s a reality if you are willing to pursue it and embrace it.” – Will Robinson

4. “It’s quite easy to spend $20,000 getting two people to Europe for two weeks. The same $20,000 invested at a reasonable rate of return over several years makes the opportunity cost of going to Europe prohibitive.” – Don Connelly

5. “Rich people act in spite of fear. Poor people let fear stop them.”  – The Power of Thinking Like the Rich – The Message of Rich Dad Poor Dad.

6. “You can’t always visualize the reward, but you can believe in the sacrifice if the vision is strong enough.” – Don Connelly

7. “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

8. “Financial security and independence are like a three-legged stool resting on savings, insurance and investments.” – Brian Tracy

9. “What separates the winners from the losers is how a person reacts to each new twist of fate.” – Donald Trump

10. “The difference between succeeding and failing is consistency.” – Don Connelly

11. “I feel that luck is preparation meeting opportunity.” – Oprah Winfrey

12. “People who are enthusiastic make more money than people who are not enthusiastic. Choose to be enthusiastic.” – Don Connelly

13. “Predicting the future with any degree of Certainty is impossible. The key is to react accordingly to any situation as it arises.” – Don Connelly

14. “Buy at the point of maximum pessimism; sell at the point of maximum optimism.” – Sir John Templeton

15. “Whether socks or stocks, I like buying quality merchandise when it is marked down.” – Warren Buffett

16. “Having information on investing is one thing. Knowing what to do with it is something else entirely.” – Don Connelly

17. “More people should learn to tell their dollars where to go instead of asking them where they went.” – Roger Babson

18. “The day I was born, the Dow Jones Industrial Average closed at 188.58. The day I graduated from high school, the Dow closed at 716.49. The day I turned sixty five, the Dow closed at 10,522.59. Here we are over 17,000. The long term trend is obvious.” – Don Connelly

19. “When someone pays you a commission for a purchase, it’s not to purchase that product; it’s to know which product to purchase.” – Don Connelly

20. “Doctors know needles hurt. They give shots nonetheless. Why? Because they know that little bit of discomfort up front leads to miracles down the road.” – Don Connelly

21. “Getting out with the idea of getting back in later is trying to outsmart the market. It’s hard to outsmart something that doesn’t always make sense.” – Don Connelly

22. “Only buy something that you’d be perfectly happy to hold if the market shut down for 10 years.” – Warren Buffett

23. “There is nothing wrong with changing a plan when the situation has changed.” – Seneca

24. “But you have to do what you dream of doing even while you’re afraid.” – Arianna Huffington

25. “If you are standing on the platform when the train has pulled away, it’s not going to back up for you. When a bull market takes off, it’s not going to back up for you.” – Don Connelly

26. “If you totally want to reduce risk, take no risk. Bury the money.  Then you’ve got no risk at all.” – Don Connelly

27. “How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” – Robert G. Allen

28. “As people and Financial Advisors, we can’t change the inevitable. But we can play on the thing we do have and that’s our attitude.” – Don Connelly

29. “You can make EXCUSES and earn SYMPATHY, OR you can make MONEY and earn ADMIRATION. The choice is always yours…” – Manoj Arora

30. “The challenge is not to pick the best investment. The challenge is to pick the right investment.” – Don Connelly

31. “Do not focus on money, instead focus on a problem that needs to be solved for the world. Money will follow you as a bi-product.” – Manoj Arora

Becoming a successful financial advisor requires you to have a long term vision and leadership. Everyone knows that bad news sells. It’s super easy for clients to lose track amidst the market noise and their fear of losing money. I hope these motivational quotes to financial success will help you convince your clients to trust you and handle their anxiety toward market changes.

As an Advisor, you must always be equipped to show your clients, the positive side of investing. This CD can help you do just that!

This CD makes a great gift for your clients! Check with your compliance department before sending it to clients

Tags financial success financial success quotes investing wisdom investment decision investment information investment roadmap motivational quotes simple truths for investors the best investment the right investment

Author: Kirti Anand Sharma

Kirti Anand Sharma (you can call her KAS!) is happily working as an Independent Consultant serving all kinds of Inbound Marketing needs. Her moto is to develop long term business relationships that are based on trust and customer satisfaction.

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Wow you just boosted my confidence towards my clients cause sometimes it kills ones confidence when your clients gives you all the reasons not to go with what you’re proposing to them

Thanks for your comment. I’m glad that you found the post motivating. I totally agree with you! Failure to overcome client objections can be really demotivating. As people are afraid of making mistakes, objections in business are inevitable. Often clients are unable to visualize the value being offered. The best way out is to practice how to anticipate, overcome and avoid objections because the sooner we learn to deal with them, the faster we will open the account.

Here’s a post by Don Connelly that you might want to read. It’s about 3 objections a Financial Advisor will ever get and how to overcome them: https://donconnelly.com/three-objections-overcoming-objections/ – a webinar replay on the topic available, too.

Hope you’ll find it helpful and we would love to hear from you again. 🙂

Cheers, Kas

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This 30 Best Personal Finance Quotes will Change your mind

Apumone brings you 30 best personal finance quotes that will change your mindset about finance,  money, and investing.

Most often, money management  seems to be stressful, sometimes causing fear and panic if you are not on the right path with it. We have assembled the Best personal finance quotes that will inspire, motivate, and change your mindset about money relationships.

Some of these personal finance quotes can be kept as reference on your wall or desk to serve as a healthy reminder to you.There are several personal finance quotes but we have chosen the best on finance, money and investing to maintain a simple, yet educative and informative quotes.

One of our Staff once said “These quotes that we have placed on everyone desk keeps resonating him during his financial life  and often made him laugh when he comes into experience with a quote”.

When it comes to comes to finance, money and investing life journey, personal finance quotes helps in inspiring, motivating and redirect the mindset to achieve your goals as soon as possible in life.

In this article

That being said let’s dive into the Best 30 Personal finance Quotes as listed below.

• Too many people spend money they earn…. To buy things they don’t want.. To impress people that they don’t like.  -Will Rodgers
• 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
• An investment in knowledge pay the best interest. -Benjamin Franklin
• Time is more value than money, you can get more money but you cannot get more time.  -Jim Rohn
• 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
• 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
• Friendship is like money, easier made than kept. -Samuel Buttler
• Rule No. 1 never loss money. Rule No. 2 Never forget Rule No. 1. -Warren Buffett
• I’d like to live as a poor man with lots of money.  -Pablo Picasso
• Rich people have small TV’s and big libraries, and poor people have small libraries and big TV’s. Zip Ziglar. Do you agree with this personal finance quote? Please leave a comment below.
• How many millionaires do you know who have become wealthy by investing in a savings accounts? I rest my case. -Robert G Allen
• Money can’t buy happiness, but it will certainly get you a better class of memories.-Ronald Reagan
• if you think nobody care if you’re alive, try missing a couple of car payments.  -Earl Wilson
• Wealth is the ability to full experience life. -Henry David Thoreau
• Finance is not merely about making money, it’s about achieving our deep goals and protecting the fruit of our labor, it’s about stewardship, and therefore about achieving the good society. -Robert J Shiller
• Happiness is not in the mere Possession of money, it lies in the joy of achievement in the creative efforts. -Franklin D. Roosevelt
• Money is only a tool, it will take you wherever you wish but it will not replace you as the driver. -Ayn Rand
• Buy when everyone is else is selling and hold until everyone else is buying, thats not just a catchy slogan, it’s the very essence of successful investing .-J. Paul Getty
• A bank is a place to where they lens you an umbrella in fair weather and ask for it back when it begins to rain. -Robert Frost
• Money is a terrible master but an excellent class of memories. -Ronald Reagan
• The individual investor should act consistently as an investor and not as a speculator. -Ben Graham
• You must gain control over your money or the lack of it will forever control you. -Dave Ramsey
• Money poisons you when you have got it, and starves you when you haven’t. -D. H. Lawrence

Bonus Quotes on Personal Finance. Read more to boost you mindset.

24. Every time you borrow money, you’re robbing your future self. -Nathan W. Morris

25. Success isn’t measured by money or power or social rank, success is measured by discipline and inner peace. -Mike Dikta

26. Develop success from failures, Discouragement and failures are two of the surest stepping stones to success. -Dale Carnegie

27. Don’t let fear of losing be greater than the excitement of winning. -Robert Kiyosaki

28. Most people just work hard enough not to get fired and get paid just enough money not to quit. -George Carlin

29. I’m only rich because I know when I’m wrong, I basically  have survived by recognizing any mistakes. -George Sores

30. Don’t stay in bed, unless you can make money in bed. -George Burns

More on personal finance quotes.

• Wealth is not about having a lot of money, it’s about having a lot of options. Chris Rock
• Don’t tell me what you value, show me your budget and I will tell you what you have. Joe Biden
• I say always follow your passion, no matter what because even if it’s not the same finances success ,it will lead you to the money that will make you the happiest. Ellen DeGeneres
• Never spend your money before you have it. Thomas Jefferson

Do you have a favorite quote about personal Finance: money, Finance, and Investing? Kindly Share below in the comment section. We at Apumone.com would love to read your quote on personal finance.

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• Finance Personal Statement Examples

Here are two finance personal statement examples from some of the best students in undergraduate and postgraduate programmes. Both examples you can use as inspiration and motivation to write your own personal statement for university . 

Finance Personal Statement

Ever since I discovered my passion for the finance industry at a young age, I have been determined to pursue a career as a financial consultant and advisor. It is this unwavering ambition that has led me to apply for the MSc course in Finance at the esteemed London School of Economics and Political Science (LSE). I firmly believe that this course will provide me with the necessary tools and knowledge to achieve my career goals by expanding my understanding of financial products, the intricate workings of financial markets, and investment banking.

The reputation of LSE as a university of academic excellence is one of the key reasons for my decision to apply. I am aware of the university’s ability to equip students with critical analysis skills that are essential for becoming leaders in their chosen sectors. Moreover, being located in the heart of London provides unparalleled opportunities for networking and professional development in the world of business and finance. The course’s comprehensive approach, which strikes a balance between theoretical and practical modules, is also highly appealing to me.

My educational background in accounting has laid a solid foundation for my advanced studies in finance. Through my coursework in accounting, I have developed strong numerical skills and gained practical experience in management accounting and reporting roles within financial firms. It was during my studies that I discovered a particular interest in Strategic Financial Management, where I was introduced to financial products such as equities, derivatives, fixed income, and bonds, along with their significance in financial markets. Building on this knowledge, I have become a qualified accountant and have gained valuable work experience as an Associate at Deloitte, where I am part of the project management team, responsible for decision support. This role has honed my ability to work under pressure and within tight time constraints, allowing me to meet urgent and conflicting deadlines.

To stay up-to-date with the dynamic financial market, I avidly follow financial news through subscriptions to reputable media platforms such as the Financial Times, the Economist, and Bloomberg. Additionally, I engage in various hobbies such as travelling, watching movies and documentaries, and reading to broaden my knowledge and stay informed about current affairs. As a sports enthusiast, I follow tennis, football, boxing, and Formula One racing. These diverse interests have cultivated qualities such as ambition, intuition, focus, and self-discipline, which drive me to excel in any endeavour. I value the input and opinions of others, making me an effective team player, while also possessing the independence and initiative to work autonomously. I firmly believe that these qualities will contribute to my success as a finance analyst and enable me to excel academically.

Looking toward the future, I aspire to establish a reputable financial consulting firm in my home country, Nigeria. This firm would provide a range of financial services to both companies and public institutions. I recognise that achieving this goal will require years of experience, cultivating the right connections, and personal determination. Pursuing an MSc in Finance from LSE will better equip me to manage corporate, strategic, and financial opportunities, while also providing the opportunity to learn from talented professors and compete with exceptional graduates. I am convinced that this course is a crucial step toward realizing my long-term aspirations.

The increasingly evident impact of financial risk on our world has captivated my interest like never before. The interplay between the financial sector, government, and the general public dominates news stories, emphasizing the significance of understanding the industry. With my passion for finance nurtured from an early age, I have dedicated myself to attaining a comprehensive understanding of both the theoretical and practical aspects of global finance through high-level studies and extensive work experience in diverse industrial and international contexts.

Currently, in my fourth year of a degree in Finance, Risk, and Investment at Caledonian University, I have developed a strong foundation of knowledge in the field. Moreover, I have delved deeper into specific areas

Finance Personal Statement Example

Since my early years, extensive international travel has shaped my perspective on the world, particularly the stark economic contrasts between the ‘Third World’ and the ‘Western World.’ Having the privilege of experiencing different cultures and economies through my parents, who have lived in Africa, Europe, and the USA, I have developed a deep curiosity about the mechanisms that drive global economies. This curiosity has led me to pursue Economics at A Level, as I believe it is at the core of world discussions and can provide a comprehensive understanding of current news articles and their correlation to the subject.

Through my readings, such as Tim Harford’s ‘The Undercover Economist,’ I have come to appreciate the analogy that economics is like engineering, offering insights into how things work and the consequences of changing them. I see economics as an intricate puzzle, requiring economists to integrate economic theories with government policies to solve complex economic problems. Attending conferences at prestigious institutions like the University of Warwick and Oxbridge has broadened my perspective on economics, with theories like Freakonomics intriguing me and sparking a desire to explore the unexpected links between seemingly unrelated phenomena.

My passion for economics is complemented by a strong affinity for mathematics , which has been nurtured since my childhood. From playing mental maths games to tackling complex problem-solving at A Level, I have developed analytical abilities that were put to the test during a taster day at Cass Business School. Through quick thinking and effective teamwork, I excelled in a trading shares simulation, resulting in my group being the most profitable. Furthermore, my participation in a business management enterprise day at the University of the West of England allowed me to showcase my skills, leading to the recognition of the ‘Best Business Idea.’

To gain practical experience in the finance sector, I sought work opportunities that would provide me with invaluable insights. My time at Britannia Building Society exposed me to the inner workings of retail banking, allowing me to shadow the branch manager, work closely with financial planning advisors, and handle transactions at the tills. This experience introduced me to financial assets, including options for investing in bonds, shares, and increasing savings. Additionally, working at Harrison’s Accountancy and Insolvency Agency gave me valuable knowledge about liquidations and insolvencies of businesses, further solidifying my interest in pursuing a career in finance.

Staying updated with current financial affairs is crucial to me, and I regularly read the economy sections of reputable sources such as the BBC website and The Economist. Subscribing to a weekly update from RBS provides me with topical developments in the financial markets. Alongside my commitment to academic and professional pursuits, I have also developed essential skills through my job at O2 Retail. This experience has sharpened my interpersonal skills and honed my ability to negotiate mutually beneficial deals for both customers and the company. As a captain of my football team, I have learned the value of leadership, motivation, and maintaining high team morale, skills that have translated into success in class debates and the trading shares simulation at Cass Business School.

During a recent trip to Switzerland, I had the opportunity to meet with the assistant vice president at Credit Suisse, who shared insights into exchange rate processes within a leading investment bank. These conversations further solidified my understanding of the close relationship between economics and the finance sector.

Through a comprehensive study of Level Economics and practical experiences, I have been able to bridge the gap between theory and real-world situations. Engaging with professionals in the field has deepened my appreciation for the vital connection between economics and finance. I am confident that pursuing a university education will equip me with the necessary knowledge and skills to navigate the dynamic and fast-paced world of financial markets.

My passion for finance and economics was sparked by the Lehman Brothers’ bankruptcy and the subsequent financial crisis when I was 21 years old. The events of that

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100 Quotes to Kickstart Your Personal Statement (with examples)

by Talha Omer, MBA, M.Eng., Harvard & Cornell Grad

In personal statement tips & advice.

Starting your personal statement for university admissions can be a daunting task. It’s the first thing the admissions committee will read about you, and it needs to capture your unique voice, experiences, and aspirations in just a few words. So, where do you begin?

One effective way to start is with a powerful quote that reflects your values, interests, or goals.  

A great quote can set the tone for your essay, grab the reader’s attention, and showcase your personality and potential. In this blog post, I’ll explore quotes that you can draw from. I’ll also provide a couple of examples where successful candidates used quotes to begin their personal statements.

To make the process of selecting the perfect quote for your personal statement even easier, I’ve organized the list into categories that are common themes in personal statements. Whether you’re seeking to showcase your resilience, or creativity, I’ve got you covered with a range of quotes that can help you stand out from the crowd.  

In this Article

• Inspirational Quotes for personal statement 

Leadership Quotes for personal statement

Personal growth quotes for personal statement, academic quotes for personal statement, professional quotes for personal statement, cultural quotes for personal statement, creative quotes for personal statement, perseverance quotes for personal statement, inspirational quotes for personal statement  .

Inspirational quotes can be a great way to show your motivation, resilience, and determination. They can also help you communicate your values and beliefs and demonstrate your commitment to achieving your goals.

• “Believe you can and you’re halfway there.” – Theodore Roosevelt
• “Success is not final, failure is not fatal: it is the courage to continue that counts.” – Winston Churchill
• “The only way to do great work is to love what you do.” – Steve Jobs
• “You miss 100% of the shots you don’t take.” – Wayne Gretzky
• “I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.” – Jimmy Dean
• “Success is liking yourself, liking what you do, and liking how you do it.” – Maya Angelou
• “The only limit to our realization of tomorrow will be our doubts of today.” – Franklin D. Roosevelt
• “If you don’t stand for something, you will fall for anything.” – Malcolm X
• “It does not matter how slowly you go as long as you do not stop.” – Confucius
• “You are never too old to set another goal or to dream a new dream.” – C.S. Lewis 

Here is an example opening paragraph of a personal statement where the candidate used an inspirational quote to begin:

As a lifelong learner and problem-solver, I’ve always been drawn to the field of artificial intelligence. But it wasn’t until I read a quote by Alan Turing that I truly appreciated the transformative potential of this field: ‘We can only see a short distance ahead, but we can see plenty there that needs to be done.’ These words resonated with me deeply, and I realized that the possibilities of artificial intelligence are limited only by our imaginations and our willingness to take risks. Throughout my academic and professional journey, I’ve sought out opportunities to push the boundaries of what’s possible, from pursuing advanced degrees in computer science to working on cutting-edge research projects. Through these experiences, I’ve learned the importance of collaboration, innovation, and perseverance in tackling the toughest challenges facing our world today. And as I look forward to contributing to the field of artificial intelligence, I’m inspired by the limitless potential of this technology and committed to using it to make a positive impact on society.

Leadership quotes can help you showcase your ability to lead and inspire others, and your commitment to making a positive impact in your community. They can also demonstrate your understanding of the importance of teamwork, communication, and collaboration, which are essential skills in many fields of study and careers.

• “A leader is one who knows the way, goes the way, and shows the way.” – John C. Maxwell
• “Leadership and learning are indispensable to each other.” – John F. Kennedy
• “Alone we can do so little; together we can do so much.” – Helen Keller
• “The greatest leader is not necessarily the one who does the greatest things. He is the one that gets the people to do the greatest things.” – Ronald Reagan
• “If your actions inspire others to dream more, learn more, do more and become more, you are a leader.” – John Quincy Adams
• “Leadership is the capacity to translate vision into reality.” – Warren Bennis
• “Management is doing things right; leadership is doing the right things.” – Peter Drucker
• “The challenge of leadership is to be strong, but not rude; be kind, but not weak; be bold, but not a bully; be humble, but not timid; be proud, but not arrogant; have humor, but without folly.” – Jim Rohn
• “The art of leadership is saying no, not saying yes. It is very easy to say yes.” – Tony Blair
• “The function of leadership is to produce more leaders, not more followers.” – Ralph Nader

Here is an example opening paragraph of a personal statement where the candidate used a leadership quote to begin:

As an aspiring business leader, I am always striving to develop the qualities and characteristics that will enable me to make a positive impact in my chosen field. To me, leadership is not just about achieving success, but also about helping others to reach their full potential. That’s why I find inspiration in the words of former U.S. President John Quincy Adams, who once said, ‘If your actions inspire others to dream more, learn more, do more, and become more, you are a leader.’ This quote captures the essence of what I believe it means to be a leader – to inspire, to guide, and to empower others to achieve their goals. I am committed to embodying these qualities as I pursue my education and career in business, with the goal of making a meaningful difference in the lives of those around me.

Personal growth is a lifelong process of learning, self-discovery, and personal development, and it’s an important aspect of personal and academic success. Using a personal growth quote in your personal statement can demonstrate your commitment to self-improvement, your willingness to learn and grow, and your ability to overcome challenges and setbacks.

• “The greatest glory in living lies not in never falling, but in rising every time we fall.” – Nelson Mandela
• “Aim for the moon. If you miss, you may hit a star.” – W. Clement Stone
• “I have not failed. I’ve just found 10,000 ways that won’t work.” – Thomas A. Edison
• “The more that you read, the more things you will know. The more that you learn, the more places you’ll go.” – Dr. Seuss
• “The secret of getting ahead is getting started.” – Mark Twain
• “Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” – Thomas A. Edison
• “The future belongs to those who believe in the beauty of their dreams.” – Eleanor Roosevelt
• “It’s not what happens to you, but how you react to it that matters.” – Epictetus

These quotes can be particularly relevant for students who have excelled academically, or who are interested in pursuing a career in academia or research. Academic quotes can be used to demonstrate your knowledge, and intellectual curiosity, as well as your ability to think critically and engage with complex ideas. They can also show your dedication to your field of study and your commitment to academic excellence.

• “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.
• “The aim of education is the knowledge, not of facts, but of values.” – William S. Burroughs
• “Education is not the filling of a pail, but the lighting of a fire.” – W.B. Yeats
• “Education is the passport to the future, for tomorrow belongs to those who prepare for it today.” – Malcolm X
• “The only true wisdom is in knowing you know nothing.” – Socrates
• “Education is the most powerful weapon which you can use to change the world.” – Nelson Mandela
• “The beautiful thing about learning is that no one can take it away from you.” – B.B. King
• “Education is not preparation for life; education is life itself.” – John Dewey
• “Intelligence plus character – that is the goal of true education.” – Martin Luther King Jr.
• “Education is the movement from darkness to light.” – Allan Bloom 

These quotes can be used to demonstrate your understanding and passion for your chosen field, as well as your commitment to excellence and professionalism. They can also be used to highlight specific skills or achievements that you have acquired in your professional pursuits, such as teamwork, problem-solving, or leadership.

• “Choose a job you love, and you will never have to work a day in your life.” – Confucius
• “Success in business requires training and discipline and hard work. But if you’re not frightened by these things, the opportunities are just as great today as they ever were.” – David Rockefeller
• “A dream doesn’t become reality through magic; it takes sweat, determination, and hard work.” – Colin Powell
• “Opportunities don’t happen. You create them.” – Chris Grosser
• “The best way to predict the future is to create it.” – Peter Drucker
• “The only person you are destined to become is the person you decide to be.” – Ralph Waldo Emerson

These quotes can help you showcase your appreciation and understanding of cultural diversity, your willingness to learn from different perspectives, and your interest in contributing to the global community. They can also be used to highlight any experiences or achievements that you have had in cultural immersion, cross-cultural communication, or intercultural exchange.  

• “No culture can live if it attempts to be exclusive.” – Mahatma Gandhi
• “Culture is the widening of the mind and of the spirit.” – Jawaharlal Nehru
• “Culture makes people understand each other better. And if they understand each other better in their soul, it is easier to overcome the economic and political barriers.” – Paulo Coelho
• “Language is the road map of a culture. It tells you where its people come from and where they are going.” – Rita Mae Brown
• “Culture is not a luxury, but a necessity for every society.” – Pearl S. Buck
• “Culture is the arts elevated to a set of beliefs.” – Thomas Wolfe
• “Culture is the sum total of all the things that make a society distinctive.” – Clifford Geertz
• “The beauty of culture is that it evolves through time and generations, shaping our values and beliefs.” – Chinua Achebe
• “The richness of our culture reflects the diversity of our people.” – Unknown
• “Culture is the window reflecting the soul of a nation.” – Wang Meng

They can also be used if you want to showcase your ability to think outside the box or to approach problems in a creative and innovative way, regardless of your field of study.

• “Creativity is seeing what everyone else has seen, and thinking what no one else has thought.” – Albert Einstein
• “The creative adult is the child who survived.” – Ursula K. Le Guin
• “The worst enemy to creativity is self-doubt.” – Sylvia Plath
• “Imagination is everything. It is the preview of life’s coming attractions.” – Albert Einstein
• “Creativity takes courage.” – Henri Matisse
• “To be creative means to be in love with life.” – Osho
• “The creative process is a process of surrender, not control.” – Julia Cameron
• “The chief enemy of creativity is ‘good’ sense.” – Pablo Picasso
• “Creativity is a wild mind and a disciplined eye.” – Dorothy Parker
• “Creativity is contagious. Pass it on.” – Albert Einstein

Perseverance is a universal quality that is admired by all, and demonstrating a strong work ethic and determination to overcome challenges can be valuable in any academic or professional setting. Whether you have overcome personal obstacles or worked hard to achieve academic or professional success, using a perseverance quote can be a powerful way to convey your resilience and determination to admissions committees.  

• “Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” – Thomas Edison
• “I have failed again and again throughout my life. That’s why I am a success.” – Michael Jordan
• “Perseverance is not a long race; it is many short races one after the other.” – Walter Elliot
• “I can accept failure, everyone fails at something. But I can’t accept not trying.” – Michael Jordan
• “When you get into a tight place and everything goes against you, till it seems as though you could not hold on a minute longer, never give up then, for that is just the place and time that the tide will turn.” – Harriet Beecher Stowe
• “Believe in yourself and all that you are. Know that there is something inside you that is greater than any obstacle.” – Christian D. Larson
• “Many of life’s failures are people who did not realize how close they were to success when they gave up.” – Thomas Edison
• “Fall seven times, stand up eight.” – Japanese Proverb
• “The only thing that stands between you and your dream is the story you keep telling yourself that you can’t achieve it.” – Jordan Belfort
• “Perseverance is the hard work you do after you get tired of doing the hard work you already did.” – Newt Gingrich
• I hope these quotes provide some inspiration and ideas for your personal statement! Remember, choose quotes that speak to you personally and help showcase your unique strengths and qualities to the admissions committee.

Selecting the right quote to begin your personal statement can be a powerful tool to help you stand out in the admissions process. By choosing a quote that resonates with you and reflects your unique qualities and aspirations, you can set the tone for your personal statement and make a memorable first impression on the admissions team.

Whether you choose a quote about perseverance, leadership, or anything else, make sure it authentically represents who you are and what you hope to achieve. With these inspiring quotes as your guide, you’ll be one step closer to crafting a personal statement that showcases your strengths, character, and potential.

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How to Create a Personal Financial Statement + [Free Template and Sample]

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Do you want to create a personal financial statement, but aren’t sure where to start?

According to Mint.com , over 65% of people have no clue how they spent money last month. So, you can probably be pretty sure even less know how their personal finance situation.

With rising costs for essentials like housing and education due to inflation, there is no better time to get an accurate picture of your current situation today.

If you’re wondering how your finances measure up, a Personal Financial Statement can be an invaluable tool in helping you understand where you stand financially and prepare for changes ahead.

This article will walk through creating a sample personal financial statement template with examples of what this document might look like based on your situation.

A personal financial statement isn’t just for your loan applications anymore, it’s an opportunity for transparency in your finances too!

What is a personal financial statement?

A personal financial statement is a document that summarizes your assets, liabilities, and net worth. A PFS can help you understand your financial health so you can make informed decisions about your money.

A personal financial statement template will typically include three sections:

• Assets: This section will list all of the money and property you own.
• Liabilities: This section will list all of the money you owe.
• Net Worth: This section will calculate your net worth by subtracting your total liabilities from your total assets.

Your personal financial statement should be updated on a regular basis, typically once a year. This will help you track your progress and make sure you’re on track to reach your financial goals.

What are the benefits of creating a personal financial statement?

There are many great benefits of a personal financial statement.

By creating a personal financial statement, you can see at a glance how much money you have coming in, going out, and what your net worth is. This information can be extremely helpful in making financial decisions and setting goals.

Benefit #1 – Understand Your Financial Situation

This is why you must spend the extra couple of minutes to create a personal financial statement form.

Most importantly, you get a better understanding of your financial situation. This includes seeing where your money is going each month and how much debt you have.

What we call around here at Money Bliss – the 1000-foot look from above. The outsider’s perspective of what is going on with your finances.

Benefit #2 – Helps you track your progress

When it comes to personal finance, one of the best things you can do is keep track of your progress.

Tracking your progress should be important to you! By seeing everything laid out in front of you, it becomes much easier to make informed financial decisions that will help improve your overall financial picture.

Benefit # 3- Find some areas of improvement

Since a personal financial statement is a document that summarizes your income, expenses, assets, and liabilities in one place it helps you see the financial big picture. Thus, spotting areas for improvement are easier.

For example, if you see that you are spending too much money on non-essential items, you can make changes to improve your financial health.

Benefit #4 – Useful Tool to Set Goals

Next, it can help you set goals. Once you see where you stand financially, you can set goals for paying off debt or saving more money each month.

This aids you to make better financial decisions by providing a clear picture of your financial situation.

Benefit #5 – Snapshot to help you stay motivated

Creating a personal financial statement can be incredibly helpful in staying motivated to save money and achieve your financial goals. Seeing your progress in black and white (or, more accurately, green and red) can be a strong motivator to keep going.

Using a personal finance statement is especially helpful if you’re working towards paying off debt or saving for a specific goal. It can be difficult to stay motivated when you’re not seeing progress, but seeing the numbers going down (or up) can give you the boost you need to keep going.

Benefit #6 – Monitor your financial health

Creating a personal financial statement can help you monitor your financial health and make informed decisions about your spending and saving habits.

• If you see that your expenses are consistently exceeding your income, for example, you may need to make some changes to ensure that you are able to meet your long-term financial goals.
• Easier to spot opportunities to save money or invest in assets that will grow in value over time.

Monitoring your financial health on a regular basis can help you avoid debt problems and keep track of your progress toward financial goals.

What are the types of personal financial statements?

A personal financial statement is a form or spreadsheet detailing a person’s overall financial health. This statement is typically used to apply for business loans or other forms of financing. There are two types of personal financial statements:

• The first type is the balance sheet, which lists a person’s assets and liabilities.
• The second type is the income statement, which details a person’s income and expenses.

The balance sheet provides an overview of a person’s financial situation at a particular point in time, while the income statement shows how much money a person has coming in and going out over a period of time.

Both types of statements are important in helping lenders evaluate a borrower’s ability to repay a loan. As well as for you to monitor your personal situation.

What are the components of a personal financial statement?

A personal financial statement is not just a document that shows how much money you have in your bank account. It also includes other important components to show a well-rounded picture.

Most people know that a personal finance statement includes income, assets, and liabilities. But did you know there are actually four main components of a personal financial statement?

A personal financial statement varies from a traditional balance sheet that is used for a company.

Your income is everything you earn in a year from all sources, including your job, investments, alimony, and more.

You should list all of your sources of income on your personal financial statement so you have a clear picture of what you’re bringing in each month.

• Include all sources of income, even if they are irregular or one-time payments.
• List after-tax income.
• If you are married or have a partner, include their income as well.
• Update your income regularly to reflect any changes (e.g., new job, raise, bonus).

This will help you make informed decisions about your spending and saving.

This is the money you spend each month on things like your mortgage or rent, car payments, groceries, and other necessary expenses.

Here are over 100 personal budget categories for various expenses.

Assets are everything you own like your home equity or the value of your car and can use to pay your debts. This includes cash, savings, investments, property, and possessions.

Calculate your total assets by adding up the value of all your cash, savings, investments, property, and possessions.

So, is a car an asset ? Well it depends if there is a loan against it.

Liabilities

Your liabilities are everything you owe money on. This includes, but is not limited to:

• Student loans
• Credit card debt
• Any other personal loans

Your liabilities also include any money you may owe in taxes.

How to create a personal financial statement – Part 1

There are a few key things you need to know in order to create a personal financial statement.

The first part includes what is needed for your net worth – assets and liabilities. The second part includes your current income, expenditures, and savings.

We will show you next how to collect all of this information, then you can start to work on creating a personal financial statement.

Step #1 – Determine your current assets and business profit

The first is your current assets. Your assets are everything you own and can use to pay your debts. This includes your savings, your home equity, and any investments you have. You will need to know the value of all of these things in order to create an accurate personal finance statement.

To determine the value of your assets, start by looking at your savings. This can be any money you have in the bank, including checking, savings, and money market accounts. Add up the total balance of all these accounts to get your total savings.

Next, determine the value of your home equity. This is the difference between what your home is worth and how much you still owe on it. To calculate this, look up the current value of your home and subtract any outstanding mortgage or other loan balances from it. This will give you an estimate of how much equity you have in your home.

Finally, add up the values of any investments you have. These can include stocks, bonds, mutual funds, and other types of investment accounts. Once you have all these values totaled up, this will give you an estimate of your current assets.

Step #2 – Determine your current liabilities

Your current liabilities are all of the debts and financial obligations that you currently have.

This can include things like credit card debt, car loans, student loans, and any other type of loan that you are currently paying off.

To get an accurate picture of your current liabilities, you will need to gather up all of your bills and statements so that you can see exactly how much you owe.

Step #3 – Determine your net worth

Your net worth is your assets – your savings, your home equity, and your stocks and investments – minus your liabilities. To calculate it, simply subtract your total liabilities from your total assets. This will give you your net worth.

Your net worth is a good indicator of your financial health.

It can help you make decisions about saving and investing, and it can also be a useful tool for budgeting. If you want to improve your financial health, focus on increasing your net worth by saving more money and investing in assets that will grow in value over time.

Your goal is to double your liquid net worth quickly.

How to create a personal financial statement – Part 2

Now, you have developed your next worth statement. The next step in creating a personal financial statement is to determine your monthly cash flow of money or annual cash flow.

This second part includes your current income, expenditures, and savings.

Step #1 – Determine your monthly income

Firstly, you will need your income flow section. This could come from your pay stubs, or if you are self-employed, your profit and loss statements.

Your monthly income includes all money that you earn in a month, including salary, wages, tips, commissions, child support, alimony, and any other regular payments that you receive.

Step #2 – Determine your monthly expenses

The next piece is to determine your monthly expenses. This includes things like your mortgage or rent, car payments, credit card bills, and any other regular expenses. You’ll also want to factor in occasional expenses, like doctor’s appointments or annual membership fees.

Your expenses can be divided into two categories: fixed and variable.

Fixed expenses are those that remain the same each month, such as rent or mortgage payments, car insurance, and minimum credit card payments. Variable expenses change from month to month and can include items such as groceries, utility bills, entertainment, and clothing.

Step #3 – Determine your monthly savings

Typically, most advice will leave out monthly savings. However, this. is a critical piece to learning how to FI – financial independence.

Once you have both your income and expense information, you can begin to calculate your monthly savings. To do this, simply take your total income and subtract your total expenses. The remaining amount is what you have available to save each month.

Maybe you just calculated this and realize you have a negative number (meaning you spend more than you earn each month), then you will need to make some changes in order to improve your financial situation.

It is important to note that a personal financial statement is not static.

Your income and expenses can change from month-to-month, so it is important to recalculate your statement on a regular basis. Additionally, as you begin to save more money each month, the amount available for savings will increase as well.

How to use a personal finance statement template

A personal financial statement is a snapshot of your financial health at a given point in time. It lists your assets, liabilities, and net worth so you can see the big picture of your finances.

You can use a personal finance statement template to track your progress over time and make changes to improve your financial health.

Here’s how to use a personal finance statement template:

• Enter your information into the template. This includes details about your income, expenses, debts, and assets.
• Review your numbers and calculate your net worth. This is the difference between your total assets and total liabilities.
• Watch for comparisons. Compare your net worth from one period to another to track your progress over time.
• Make tweaks. Make changes in areas where you want to improve, such as increasing savings or paying down debt.
• Repeat steps 1-4 periodically . Then you can see how well you’re doing and make necessary changes

How to interpret a personal finance statement

A personal financial statement is a document that shows your current financial health. It lists your assets and liabilities, giving you a clear picture of your net worth.

• Positive net worth means you have more assets than debt.
• Negative net worth means you have more debt than assets.

Your personal financial statement will help you to set financial goals and track your progress over time. For example, if you want to become debt-free within five years, you can use your statement to create a budget and track your progress each year.

If you have a negative net worth, don’t panic! You can improve your financial health by paying off debts and building up your savings.

Creating a budget will help you make the most of your income and make headway on your financial goals.

How to use a personal financial statement to make financial decisions?

This is the important piece of becoming a millionaire.

A personal financial statement can help you see where your money is going each month and make changes to ensure that you are saving enough for your future goals.

Way #1 – Look at your current financial situation

Your personal financial statement is a record of your income and expenses over a period of time. This information can be used to make financial decisions, such as whether to save money or invest in a new business venture.

If you are looking to save money, you will want to compare your total income to your total expenses. If your expenses are greater than your income, you will need to find ways to reduce your spending. You may also want to consider investing in a savings account or retirement fund.

If you are looking to invest in a new business venture, you will want to assess your current financial situation. You will need to determine how much money you can afford to invest and whether or not the venture is likely to be successful.

Doing this analysis before making any decisions can help you avoid making costly mistakes.

Way #2 – Determine your financial goals

There are a few key things to keep in mind when you’re determining your financial goals.

First, you need to think about your short-term and long-term goals.

• Your short-term goals might include things like saving up for a down payment on a house or car or paying off high-interest debt.
• Your long-term goals might include things like saving for retirement or sending your kids to college.

Once you’ve determined your goals, you need to think about how much money you’ll need to reach them. This is where a personal financial statement can come in handy.

This information can help you figure out how much money you have available to put towards your financial goals.

Once you have an idea of how much money you need to reach your financial goals, the next step is to develop a plan for how you’re going to save that money. This might involve setting up a budget and sticking to it, investing in a specific savings account or investment account, or taking advantage of employer matching programs if they’re available.

Making smart financial decisions is important for achieving both your short-term and long-term goals. A personal financial statement can help you determine how much money you need to reach your goals, and develop a plan for saving that money.

Way #3 – Make a budget

Your personal financial statement can be a helpful tool when you’re trying to make a budget. This document lists your income and expenses and can give you a clear picture of your financial situation.

To use your personal financial statement to make a budget:

• Look at your overall income and expenses. This will give you an idea of where your money is going each month.
• What are Necessary Expenses? Determine which expenses are necessary and which ones you can cut back on.
• Prioritize your List. Make a list of your monthly income and expenses, with the necessary expenses first. And drop the expenses at the bottom of the list.
• How Much is Left? Determine how much money you have left over each month after paying for necessities. This is the money you can use for savings or other goals.
• Adjust your budget as needed based on changes in your income or expenses.

Way #4 – Invest in yourself

There are a lot of things you can do to invest in yourself, but one of the smartest things you can do is to invest in your personal finance education.

In fact, one of the popular millionaire quotes from Warren Buffet is :

Invest in yourself as much as possible. Warren Buffet

Investing in yourself is one of the smartest things you can do.

Way #5 – Stay disciplined

Making financial decisions can be difficult, but if you have a personal financial statement, it can help you stay disciplined.

A personal financial statement is a document that shows your income, expenses, and assets. It can help you track your spending and see where you can save money. That my friend is black and white information.

Making financial decisions can be difficult, but if you have a personal financial statement, it can help you stay disciplined and on track.

What are some common mistakes to avoid when creating a personal finance statement?

There are many common mistakes people make when creating a personal financial statement. This can lead to an inaccurate picture of your financial situation and make it difficult to make informed decisions about your finances.

Any of these common mistakes can also lead to problems down the road because you will be unable to meet your financial obligations.

• Not including all sources of income
• Not including all debts and expenses
• Forgetting to track new sources of income
• Overstating or understating expenses
• Not properly categorizing expenses
• Forgetting to update (or review) the statement regularly
• Not tracking progress over time
• Too scared to seek professional help if needed.

By avoiding these common mistakes, you can create a personal financial statement that accurately reflects your financial situation and helps you make better decisions about your money.

How often should a personal finance statement be updated?

You should update your personal finance statement at least once a year.

However, you may want to update it more frequently if you have significant changes in your income or expenses. For example, you may want to update your personal finance statement after you get a raise or buy a new car.

A Personal Financial Statement Template Example

A personal financial statement is a document that summarizes your financial health.

It includes information about your income, expenses, debts, and assets. This information can be used to make informed decisions about your finances.

There are many personal finance statement templates available online. Some banks and financial institutions offer their own templates. You can also find templates in our free resource library. Once you find a template you like, you can download it and fill it out with your own information.

When filling out a personal financial statement template, be sure to include accurate and up-to-date information.

This will give you the most accurate picture of your financial health. Review your statements regularly to track your progress and make changes as needed.

Time to Create A Sample Personal Financial Statement

When creating a personal financial statement, it is important to include all sources of income, not just your salary. This includes any freelance work, investments, or other forms of passive income. Additionally, make sure to include any government benefits or assistance you receive.

Excluding all sources of income will give you an inaccurate picture of your financial situation and make it difficult to create a realistic budget.

This is something you need to spend dedicated time doing to create a personal financial statement worksheet.

Over time, this wealth management tool will help you to become the next millionaire.

Know someone else that needs this, too? Then, please share!!

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More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!

Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.

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Prime Minister of Canada Justin Trudeau

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• A National School Food Program to set kids up for success

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Every generation deserves a fair, healthy future – from kids, to parents, to grandparents. It’s why we’re supporting families, one of the many things that we are doing in Budget 2024 to build an economy that helps every generation get ahead.

Children deserve to have the best start in life. But today, nearly one in four children in Canada do not get enough food. That impacts their health and their opportunities to learn and grow. Higher grocery prices are making it hard for parents to afford to put enough good, healthy food on the table. Study after study has shown that when kids eat well, they do better in school. And when kids do well, that sets them up for success. Everyone deserves a fair shot at success, and we believe that fairness means we support each other at every stage of life – and that starts from childhood.

That’s why we’ve made generational investments like the Canada Child Benefit, which provides families with up to nearly $8,000 per child, per year, to provide the essentials their kids need. And since 2015, 650,000 children have been lifted out of poverty, meaning Canada’s child poverty rate has fallen by more than half.

And when it comes to helping kids, especially vulnerable kids, we’re going to keep going.

The Prime Minister, Justin Trudeau, today announced a new National School Food Program . With an investment of $1 billion over five years, the Program, included in Budget 2024, will launch with a target of providing meals to 400,000 more kids every year, beyond those served by existing school food programs. For moms and dads, it will mean the peace of mind that your kids are taken care of and do not go hungry. For kids, it will mean healthy meals – helping them learn, grow, and reach their full potential. This is a generational investment in the future of our kids, and we’re going to work with provinces and territories and Indigenous partners to ensure every child has the food they need.

The Program will be a safety net for the kids who need this support the most. The lack of access to food disproportionately impacts children from lower-income families and from racialized and Indigenous communities. With this program, we’re getting healthy food on the plates of growing kids.

This includes investments for First Nations, Inuit, and Métis communities as well as Self-Governing and Modern Treaty partners, many of whom have some of the highest rates of food insecurity in Canada. Investments will also support capacity building and engagement with Indigenous partners to co-develop culturally appropriate solutions. These partnerships will aim to tackle food insecurity by advancing Indigenous-led solutions and will further our work on reconciliation.

The new National School Food Program will also help provinces, territories, and Indigenous partners expand their existing school food programs to make sure more children across the country can enjoy the healthy meals they need. The Program is good for parents and kids, and it’s good for the economy as well. It will help take pressure off of families and invest directly in the future of our kids, while improving children’s health, education, and well-being.

Last week, we announced measures to protect renters and create more affordable child care spaces. This is on top of our actions to improve health care and dental care, strengthen pensions, and increase access to medications – making sure that, no matter your background or income, you have what you need to be healthy. We all depend on Canada’s future success. And Canada’s success depends on the youngest generations being healthy, doing well, and being set up to succeed.

“The National School Food Program is a game changer. The Program will take pressure off of families, invest directly in the future of our kids, and make sure they’re able to reach their full potential – feeling healthy and happy. This is about fairness and doing what’s right for our kids to get the best start in life.” The Rt. Hon. Justin Trudeau, Prime Minister of Canada

“Since 2015, we’ve reduced child poverty from 16.3 per cent to just 6.4 per cent in 2021 – lifting 650,000 kids out of poverty. Today, the rising price of groceries is making it tough for families, especially Millennial parents, to afford the food their kids need. To make sure every kid gets their fair chance at a great start in life, we’re launching a $1 billion National School Food Program to help another 400,000 kids get the food they need to thrive.” The Hon. Chrystia Freeland, Deputy Prime Minister and Minister of Finance

“We’re creating a National School Food Program because kids learn better on a full stomach. This Program will have an incredible impact, supporting parents with the higher cost of groceries, and giving children every opportunity to learn, grow, and reach their full potential.” The Hon. Jenna Sudds, Minister of Families, Children and Social Development

Quick Facts

• The Government of Canada’s Budget 2024 will be tabled in the House of Commons by the Deputy Prime Minister and Minister of Finance on Tuesday, April 16, 2024.
• Restore generational fairness for renters, particularly Millennials and Gen Z, by taking new action to protect renters’ rights and unlock pathways for them to become homeowners.
• Save money for more families and help more moms return to their careers by building more affordable child care spaces and providing training to early childhood educators across Canada.
• Nearly one in four children do not get enough food, and that has a real impact on their opportunities to learn and grow. According to studies, students who consistently consumed a nutritious breakfast attained higher grades in reading, math, and science compared to their peers who seldom or never did.
• reducing hunger, food insecurity, and health inequities;
• supporting students’ attendance, academic outcomes, and achievement;
• supporting families by reducing food costs and the time required to prepare school lunches; and,
• supporting local farmers, local economies, as well as sustainable food systems and practices.
• Giving families more money through the Canada Child Benefit to help with the costs of raising children and make a real difference in the lives of kids in Canada. The Canada Child Benefit, which is providing up to $7,437 per child in 2023-24, is indexed annually to keep up with the cost of living and has helped lift more than half a million children out of poverty since its launch in 2016.
• Delivering an early learning and child care system across all provinces and territories, which has already cut fees for regulated child care to an average of $10-a-day or less in over half of all provinces and territories, and by 50 per cent or more in all others.
• Improving access to dental health care for children under the age of 12 through the Canada Dental Benefit , and soon for children under 18 with the Canadian Dental Care Plan , because no one should have to choose between taking care of their kids’ teeth and putting food on the table.

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Spring homebuying season brings slightly more optimism as listings continue to rise

New construction homes stay popular, even as interest rates don't lower as much as expected.

The Home Purchase Sentiment Index is up by 2.1% in February.  ( iStock )

The spring buying season is heating up as more houses are on the market and homebuyers are eager to buy now that the winter frost has settled.

Fannie Mae’s Home Purchase Sentiment Index , which measures home-selling conditions, increased by 2.1 points in February. This is the third consecutive month the index increased.

This increase is largely due to the optimism slowly seeping through the real estate market as selling conditions improve slightly.

"The HPSI increased for the third straight month, continuing its slow but steady rise from the low-level plateau observed through much of 2023; and consumer sentiment toward housing now rests firmly above where it was this time last year," Fannie Mae Senior Vice President Doug Duncan said.

While the percentage of prospective homebuyers that think it’s a good time to buy has increased to 19%, many buyers are still pessimistic.

This pessimism comes mainly from the state of home prices. About 42% of respondents surveyed in Fannie Mae’s report expect home prices to increase within the next 12 months, up from 37% a year ago.

Potential buyers also aren’t as positive about where mortgage rates stand. The number of survey respondents who think rates will go down in the next 12 months decreased from 36% to 35%. 

"A decline in mortgage rates — and the resulting uptick in sentiment — would obviously bode well for the upcoming spring homebuying season," Duncan said.

"Although affordability will likely remain a significant challenge for buyers, at least until there’s a meaningful addition to net supply."

Interest rates remain lower than they did at the height of the pandemic, so if you’re ready to take advantage of these lower rates, now may be the time to consider a mortgage. A site like Credible can let you view multiple mortgage lenders and provide you with personalized rates within just minutes, all without impacting your credit.

HOMEBUYERS CONSIDERING PURCHASING TINY HOMES AND FIXER-UPPERS TO COMBAT HIGH HOME PRICES

New construction homes remain popular

New construction became a haven for buyers during the pandemic when fewer listings of existing homes were on the market. New construction remains popular for many buyers. More than half of prospective buyers last year preferred to search for new-build homes, a Zillow study found.

Of the buyers who wanted new construction homes, 42% said they were only interested in new construction. This is an increase of six percentage points from 2022 and up 10 percentage points from 2021.

Home listings in general are up around the country. Listings for all houses increased 3.8% month over month in February, according to Redfin . This is the largest increase in six months.

"The housing market is nothing like it was two years ago during the pandemic homebuying frenzy, but it’s better than it was last year. It’s coming back," David Palmer, a Redfin Premier real estate agent in Seattle, said.

If you think you’re ready to shop around for a home loan, consider using Credible to help you easily compare interest rates from multiple lenders in minutes .

GEN Z MOVERS ARE HEADING TO WARMER CLIMATES, WILLING TO PAY HIGHER HOUSING COSTS: ZILLOW

Mortgage rates are no longer expected to dip below 6% this year

Last month, mortgage rates were predicted to end the year around 5.9%, but 30-year fixed mortgage loans are now expected to hover around 6.4% at year's end, Fannie Mae estimated in its most recent rates forecast.

The Federal Reserve isn't cutting rates as aggressively due to better job numbers and higher inflation than expected.

"Hotter-than-expected inflation data and strong payroll numbers are likely to apply more upward pressure to mortgage rates this year than we'd previously forecast, as markets continue to evolve their expectations of future monetary policy," Doug Duncan said.

"Still, while we don’t expect a dramatic surge in the supply of homes for sale, we do anticipate an increase in the level of market transactions relative to 2023 — even if mortgage rates remain elevated."

To see what mortgage rates you qualify for based on your current credit score and salary, consider visiting Credible, where you can compare multiple mortgage lenders at once.

HOMEBUYERS GAINED THOUSANDS OF DOLLARS AS MORTGAGE INTEREST RATES FALL: REDFIN

Have a finance-related question, but don't know who to ask? Email The Credible Money Expert at [email protected] and your question might be answered by Credible in our Money Expert column.