If you want to get your financial life together, the first step is to change your money mindset. Here are 100 awesome quotes that will give you some perspective.

Saving Money

“Frugality includes all the other virtues.” – Cicero

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

“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

“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

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

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

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

“Now I will tell thee an unusual truth about men and sons of men. It is this: That what each of us calls our ‘necessary expenses’ will always grow to equal our incomes unless we protest to the contrary.” – George Samual Clason

“If you wish to get rich, save what you get. A fool can earn money; but it takes a wise man to save and dispose of it to his own advantage.” – Brigham Young

“Every dollar you spend is a reflection of your values.” – Rachel Cruze

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

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

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

“Try to save something while your salary is small; it’s impossible to save after you begin to earn more.”  Jack Benny

“There is no dignity quite so impressive, and no one independence quite so important, as living within your means.” – Calvin Coolidge

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

“Poor is a state of mind. Broke is a place you’re just passing through.” – Dave Ramsey

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


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

“Pray like it all depends on God, but work like it all depends on you.” – Dave Ramsey

“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

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

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

“I remember saying to my mentor, ‘If I had more money, I would have a better plan.’ He quickly responded, ‘I would suggest that if you had a better plan, you would have more money.’ You see, it’s not the amount that counts; it’s the plan that counts.” – Jim Rohn

“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

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

“Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.” -Anonymous

“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

“Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.” – Dave Ramsey

“Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.” – Dave Ramsey

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

“There’s nothing wrong with hard work, as long as it doesn’t get in the way of life’s more important areas: health, relationships, passion.” – The Minimalists

“People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily.” – Zig Ziglar

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

“Do what you love and the money will follow.” – Marsha Sinetar

“You can be young without money, but you can’t be old without it.” – Tennessee Williams




“We spend money we don’t have to buy things we don’t need to impress people we don’t like.” – Dave Ramsey

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

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

“The rich rules over the poor, and the borrower is slave to the lender.” – Proverbs 22:7

“Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.” – Ogden Nash

“The wicked borrows and does not repay, but the righteous shows mercy and gives.” – Psalm 37:21

“Debt is normal. Be weird.” – Dave Ramsey

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

“Debt is the worst poverty.” – Thomas Fuller

“If you can’t pay cash, you can’t afford it.” – Dave Ramsey

“Debt basically enables people to live a lie.” – Rachel Cruze

“Do not accustom yourself to consider debt only as an inconvenience; you will find it a calamity.” -Samuel Johnson

“A man in debt is so far a slave.” – Ralph Waldo Emerson

“Today, there are three kinds of people:  the have’s, the have-not’s, and the have-not-paid-for-what-they-have’s.”
-Earl Wilson

“Don’t try to keep up with the Joneses. They’re broke.” – Dave Ramsey

“No man’s credit is as good as his money.” – E.W. Howe

“Let no debt remain outstanding except the continuing debt to love one another.” – Romans 13:8

“Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.” – Dave Ramsey

Financial Freedom

“Live like no one else now so later you can live and give like no one else.” – Dave Ramsey

“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

“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

“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

“Likewise, you can’t live a truly productive, contented, and joy-filled life while your finances are in complete disarray. A Good Life and financial stability go hand in hand.” – Ruth Soukup

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

“If you will make the sacrifices now that most people aren’t willing to make, later on you will be able to live as those folks will never be able to live.” -Dave Ramsey

“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

“Don’t give up what you want most for what you want now.” – Anonymous

“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

“The secret to creating lasting financial change is to decide to pay yourself first and then make it automatic.” – David Bach

“The question “how much do you need to retire?” is pretty much standard. Conversely, ‘how little do you need to retire?’ is extremely rare.” – Jacob Lund Fisker

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

“Windfalls are for buying freedom, not jet skis.” – Mr. Money Mustache

“The question you need to answer is what you want to do with your life given that you don’t have the time to do everything? Do you want to spend most of your life paying off the interest of a 30-year mortgage and working so you can fill increasingly bigger houses with increasingly more stuff while being stuck in your daily commute in increasingly nicer cars? Or are you prepared to give up the stuff so that you can do whatever you want, whenever, and wherever, within reason? What will your legacy be–what you owned or who you were?” -Jacob Lund Fisker

“A bad day fishing sure beats a good day at work.” – Anonymous


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

“Money cannot buy peace of mind. It cannot heal ruptured relationships, or build meaning into a life that has none.” – Richard M. DeVos

“If you are not content today, there is nothing you can buy tomorrow to change that.” – Joshua Becker

“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

“The Good Life to me is this: a life rich in faith, family, friends, and creativity. It is a life full of the richness that God has to offer; a life spent building treasures in heaven rather than here on earth. It is not a life of laziness and greed, but one of discipline, hard work, and self-reflection. It may not always be easy or comfortable, but it is always full in abundance and completely secure in Christ.” – Ruth Soukup

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

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

“Not that I speak from want, for I have learned to be content in whatever circumstances I am. I know how to get along with humble means, and I also know how to live in prosperity; in any and every circumstance I have learned the secret of being filled and going hungry, both of having abundance and suffering need. I can do all things through Him who strengthens me.” – Philippians 4:11-13

“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

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

“Nothing is enough for the man to whom enough is too little.” – Epicurus

“It is the wanting, the longing, the absolutely insatiable desire for wealth, possessions, power, and status that eventually take over our hearts and minds, leaving room for little else. Regardless of the never-quite-enough message society wants to give us, a life consumed by always wanting more is not the Good Life.” – Ruth Soukup

“Be content with what you have; rejoice in the way things are. When you realize there is nothing lacking, the whole world belongs to you.” – Lao Tzu

“And He has said to me, ‘My grace is sufficient for you, for power is perfected in weakness’ …Therefore I am well content with weaknesses, with insults, with distresses, with persecutions, with difficulties, for Christ’s sake; for when I am weak, then I am strong.” – 2 Corinthians 12:9-10

“With a few flowers in my garden, half a dozen pictures and some books, I live without envy.” – Lope de Vega

“It is the heart that makes a man rich. He is rich according to what he is, not according to what he has.” – Henry Ward Beecher

“If one’s life is simple, contentment has to come. Simplicity is extremely important for happiness. Having few desires, feeling satisfied with what you have, is very vital: satisfaction with just enough food, clothing, and shelter to protect yourself from the elements.” – The Dalai Lama

“One of the advantages of being born in an affluent society is that if one has any intelligence at all, one will realize that having more and more won’t solve the problem, and happiness does not lie in possessions, or even relationships: The answer lies within ourselves. If we can’t find peace and happiness there, it’s not going to come from the outside.” – Tenzin Palmo


“As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness.” – Henry David Thoreau

“Look around. All that clutter used to be money.” – Anonymous

“Reduce the complexity of life by eliminating the needless wants of life, and the labors of life reduce themselves.” – Edwin Way Teale

“The secret of happiness, you see, is not found in seeking more, but in developing the capacity to enjoy less.” – Socrates

“Simple pleasures are the last healthy refuge in a complex world.” – Oscar Wilde

“You say, ‘If I had a little more, I should be very satisfied.’ You make a mistake. If you are not content with what you have, you would not be satisfied if it were doubled.” – Charles Spurgeon

“The consumption society has made us feel that happiness lies in having things, and has failed to teach us the happiness of not having things.” – Elise Boulding

“Our souls are not hungry for fame, comfort, wealth, or power. Our souls are hungry for meaning, for the sense that we have figured out how to live so that our lives matter.” – Harold Kushner

“Any half-awake materialist well knows – that which you hold holds you.” – Tony Robbins

“The American Dream has been defined in dollar signs and square footage.” – Joshua Becker

“Minimalism is asking why before you buy.” – Francine Jay

“You are not your stuff. You are not your car. You are not your bank account. You are not your vocation. You are so much more.” – The Minimalists

“We were never meant to live life accumulating stuff. We were meant to live simply enjoying the experiences of life, the people of life, and the journey of life – not the things of life.” – Joshua Becker