60 Insightful Money Quotes about Earning, Saving and Spending

Money quotes offer valuable insights into how we can achieve financial success by taking care of our money and developing good habits around earning, saving, and spending. Time is money, and we all usually want to make the most of our time and resources. As a personal finance enthusiast and avid reader of books and blogs on the topic,  have compiled a list of 60 insightful money quotes, offering bite-sized knowledge that can help you gain a new perspective on your personal finances.

Inspiring Money Quotes

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

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

3. “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

4. “Not he who has much is rich, but he who gives much.” —Erich Fromm

5. “Money is good for nothing unless you know the value of it by experience.” —P.T Barnum

6. “They deem me mad because I will not sell my days for gold; and I deem them mad because they think my days have a price.” —Kahlil Gibran

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

8. “Money is like love; it kills slowly and painfully the one who withholds it, and enlivens the other who turns it on his fellow man.” —Kahlil Gibran

9. “You either master money, or, on some level, money masters you.” Tony Robbins
10. “Money is a terrible master but an excellent servant.” P.T. Barnum
11. “Everyday 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
12. “A little thought and a little kindness are often worth more than a great deal of money.” John Ruskin
13. “Fortune sides with him who dares.” Virgil

Earning Money Quotes

14. “Making money is a common sense. It’s not rocket science. But unfortunately, when it comes to money, common sense is uncommon.” —Robert Kiyosaki

The meaning of this quote is explained in this blog post about Famous personal finance quotes explained

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

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

17. “I don’t pay good wages because I have a lot of money; I have a lot of money because I pay good wages.” —Robert Bosch

18. “Money grows on the tree of persistence.” Japanese Proverb
19. “There is a gigantic difference between earning a great deal of money and being rich.” Marlene Dietrich
20. “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

Spending Money Quotes

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

22. “Never spend your money before you have earned it.” —Thomas Jefferson

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

24. “Every time you borrow money, you’re robbing your future self.” Nathan W. Morris
25. “Too many people spend money they earned… to buy things they don’t want… to impress people that they don’t like.” Will Rogers
26. “Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.” Zig Ziglar

Saving Money Quotes

27. “If you would be wealthy, think of saving as well as getting.” —Ben Franklin

28. “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

29. “Expect the best. Prepare for the worst. Capitalize on what comes.” —Zig Ziglar

30. “Try to save something while your salary is small; it’s impossible to save after you begin to earn more.” Jack Benny
31. “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
32. “I’d like to live as a poor man with lots of money.” Pablo Picasso

Investing Money Quotes

33. “Capital as such is not evil; it is its wrong use that is evil. Capital in some form or other will always be needed.” —Gandhi

34. “Only buy something that you’d be perfectly happy to hold if the market shuts down for ten years.” —Warren Buffett

35. “Money is like muck—not good unless it is spread.” —Francis Bacon

36. “Never depend on a single income. Make an investment to create a second source.” – Warren Buffett
37. “How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” Robert G. Allen
38. “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
39. “Formal education will make you a living; self-education will make you a fortune.” Jim Rohn
40. “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 Quotes about Financial Freedom

41. “Money is multiplied in practical value depending on the number of W’s you control in your life: what you do, when you do it, where you do it, and with whom you do it.” —Tim Ferriss

42. “The money you have gives you freedom; the money you pursue enslaves you.” —Jean-Jacques Rousseau

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

44. “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

45. “Working because you want to and not because you have to is financial freedom.”– Tony Robbins
46. “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
47. “Whatever your income, always live below your means.” – Thomas J. Stanley
48. “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

Related article: 100 Inspirational Sacrifice Quotes for Life, Love and Success

Money Quotes about Wealth

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

50. “Wealth is like sea-water; the more we drink, the thirstier we become; and the same is true of fame.” —Arthur Schopenhauer

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

52. “Wealth is not about having a lot of money; it’s about having a lot of options.” Chris Rock
53. “Wealth consists not in having great possessions, but in having few wants.”  Epictetus

Funny Money Quotes

54. “It is a kind of spiritual snobbery that makes people think they can be happy without money.” —Albert Camus

55. “Money does not buy you happiness, but lack of money certainly buys you misery.” —Daniel Kahneman

Related article: Funny words of wisdom

56. People say that money is not the key to happiness, but I always figured if you have enough money, you can have a key made.” Joan Rivers
57. “A wise person should have money in their head, but not in their heart.” Jonathan Swift
58. “A rich man is nothing but a poor man with money.” W. C. Fields
59. “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
60. “Money is not the most important thing in the world. Love is. Fortunately, I love money.”Jackie Mason

Final thoughts

Balancing earning and spending can be challenging in today’s world, especially given the current economic situation. I hope that reading this curated list of money quotes from finance experts has given you new perspectives on managing your money effectively. 

Check out our other articles on personal finance and money quotes for even more insights and inspiration.

We’d love to hear from you – which quote resonated with you the most? Share your thoughts with us in the comments below!