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10 Top Money Quotes To Inspire You

money quotes

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I love storytelling and the more I write about money, the more I use stories to illustrate the points I’m trying to convey. I draw from everyday occurrences I see and the conversations I have, to bring stories to life. 

I’m not saying I’m any good at storytelling, but I’m getting better at it and I enjoy bringing complex topics to life with a little embellishment and flavour.

Like a great story, quotes are often used to inspire and encourage readers to take a desired action. As someone who reads extensively, I come across a huge number of quotes that are relevant across all aspects of personal finance. Many of these money quotes have inspired me to achieve financial independence or keep me on the right path during my journey and I hope they help you also.

Rather than share them for a moment on my social channels, which I’ll also do, I want to share my top 10 money quotes with a little bit of narrative from myself.

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

The greatest investment many of us can make, especially those in our 20s 30s or 40s is in ourselves. Learning new skills, building your knowledge and putting these into action is possibly the most important thing you can do to increase your income, build wealth and protect it.

  1. We buy things we don’t need with money we don’t have to impress people we don’t like. – Chuck Palahniuk, Fight Club

The world is conspiring against you and it is trying to part you from your hard-earned money. The acceptance of others matters to us and we spend money to be accepted. We no longer want to keep up with the Joneses but to be them.

  1. It is not the man who has too little, but the man who craves more, that is poor. – Seneca, Letter 2

If you’re always waiting on the next thing, you will never be happy. Some people buy things they think will make them happy and it might for a little while. But when it doesn’t satisfy their lust for more, more must be bought.

  1. You’re not goin’ to be swankin’ it like a paycock with Maisie Madigan’s money – I’ll pull some o’ th’ gorgeous feathers out o’ your tail! – Sean O’Casey, Juno and the Paycock

One of the Irish literary greats talks about debt and how those who borrow money to lead a life grander than they can afford are living a lie. 

Unpaid debts have consequences seen and unseen.

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

You can save your way to wealth, but it’s infinitely harder than putting your money to work for you through investing. Invest in yourself, invest in property and invest in stocks and shares to supercharge your wealth building.

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

Does luck happen to you or do you make your own luck? When you create the opportunity for positive events, then the chances of them happening are greatly improved. Put the remote down, get to work and see what opportunities come your way.

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

Stay out of debt at all costs. If you are in debt, this debt will cost you money now. It will also cost you the opportunities you missed out on due to paying back the money you borrowed.

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

This remark from the president of the United States of America came with their annual budget. We can say that we value one thing, but the figures where we spend our money tell the truth and a budget is how we can see exactly how our money is to be spent. This is as much a truth for a country as it is for us as individuals.

  1. Don’t let the fear of losing be greater than the excitement of winning. – Robert Kiyosaki

Many of us let fear dictate our lives. The worry of the worst-case scenario stops many in their tracks. Often before they start.

Winning isn’t guaranteed, but you can’t win if you never start. Understand fear and make a plan t overcome the challenges that you could possibly face. The chances are they will never happen.


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

Investing comes with risk and this risk is rewarded with dividends and increased capital growth. But the value of your investments can also go down and often they will. During the pandemic, many share prices dropped by 30%, 40% or more. Many of these shares have recovered since, but there is always fear that they won’t. This often leads to people panic selling and crystallising their losses.

Understand the risks and make plans in times without emotion to ensure you maintain a robust investing strategy.

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