40 Financial Quotes to Help Keep You Motivated

By Sara


Last Updated: October 6, 2022


If you are paying off debt, investing, or just starting to learn the basics of finances, it can be helpful to have quotes on hand to keep you motivated towards your financial goals. It can be hard to budget and save money when everyone around you is buying new things. 

These are the best motivational finance quotes below to keep you motivated to reach your goals, and inspire you to start new financial habits. 



10 Financial Literacy Motivation Quotes 

Understanding the basics of finances is so important because it is the foundation that you will use to build your wealth.

These quotes will give you the motivation to learn as much as you can about money. 

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

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

“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

“Earning a lot of money is not the key to prosperity. How you handle it is.” – Dave Ramsey

"How can well-educated, high-income people be so naïve about money? Because being a well-educated, high-income earner does not automatically translate into financial independence. It takes planning and sacrificing." — Thomas J. Stanley

“A budget is people telling their money where to go instead of wondering where it went." - Dave Ramsey 

“How we behave toward our money, how we treat our money, speaks volumes about how we perceive and value ourselves. If we aren’t powerful with money, we aren’t powerful period.”- Suze Orman

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

“The only way to get out of the “Rat Race” is to prove your proficiency at both accounting and investing, arguably two of the most difficult subjects to master...financial intelligence is a synergy of accounting, investing, marketing and law. Combine those four technical skills and making money with money is easier.” - Robert Kiyosaki

“Give a woman a dollar, and she can put it to good use. Teach her about how money really works, and she can change the world.” - Linda Davis Taylor



10 Saving & Budgeting Motivation Quotes

Do you tend to overspend or not have a budget?

These quotes will make you motivated to start tracking your spending, save money, and start to budget. 

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

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

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

“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

"Whatever your income, always live below your means." - Thomas J. Stanley

“Money is just a tool and has nothing to do with your identity.”― Rachel Cruze

“The most important aspect of keeping your money is being aware of how much of it you are spending.”― Tiffany 'The Budgetnista' Aliche

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

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

“To increase my wealth, I had to decrease my wants.” - Michelle Singletary



10 Debt-Free Motivation Quotes 

Are you working on your debt-free journey?

This can be a grind, but these quotes will keep you motivated to keep paying off your debts. 

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

“Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.” - Dave Ramsey

“Too many people spend money they haven’t earned to buy things they don’t want to impress people they don’t like.” - Will Rogers

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

“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

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

“It is thrifty to prepare today for the wants of tomorrow.” - Aesop

“For women, financial independence is a matter of necessity.” - Carrie Schwab-Pomerantz,

“Debt erases freedom more surely than anything else”- Merryn Somerset Webb

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

“Pay off your debt first. Freedom from debt is worth more than any amount you can earn.” - Mark Cuban



10 Investing Motivation Quotes

Do you want to start investing?

Here are some tips and tricks from top investors like Warner Buffet. You can learn a lot about general investing through these quotes. Not all investing advice is about investing in Crypto. 

“A simple rule dictates my buying: Be fearful when others are greedy, and be greedy when others are fearful.” Warren Buffett 

“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

"[Our] favorite holding period is forever. We are just the opposite of those who hurry to sell and book profits when companies perform well but who tenaciously hang on to businesses that disappoint. [American investor] Peter Lynch aptly likens such behavior to cutting the flowers and watering the weeds." - Warren Buffett

“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

“In my view, for most people, the best thing is to do is owning the S&P 500 index fund. There are huge amounts of money people pay for advice they really don’t need.” Warren Buffett  

“Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.” – Warren Buffett

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

“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

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

"The intelligent investor is a realist who sells to optimists and buys from pessimists." - Benjamin Graham



Final Thoughts 

Find a few quotes in each category to start applying to your everyday life or to make a small, positive change towards your financial well-being.

Many of these quotes come from financial experts that have written books, blogs, or are quoted in the news. If any of these quotes speak to you, use that as a way to fuel your financial journey! 

Photo by Katya Wolf


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