Top Money Quotes for Wealth-Building and Investing (2024)

Good role models and mentors are essential for anyone trying to build wealth, become financially independent, or improve their investing strategies. To do this, it’s important to look to experts who have built extensive knowledge in growing wealth and investing. Get started by reading this list of top money quotes so you can feel motivated and inspired to reach your financial potential.

Money and Work Ethic Quotes

“People say, ‘I want to be rich.’ The question is, ‘Are you willing to do what it takes?’” —Robert Kiyosaki

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

“Money is 80% behavior, and 20% head knowledge. It’s what you do, not what you know.” —Dave Ramsey

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

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

Quotes on Earning Money Through Innovation

“Lack of money is no obstacle. Lack of an idea is an obstacle.” —Ken Hakuta

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

“Wealth is not about having a lot of money; it’s about having a lot of options.” —Chris Rock

“If you want great things to happen in your career, think big . . . Focus on the future. Double-down on innovation.” —Cathie Wood

Money and Happiness Quotes

“Wealth is not his that has it, but his that enjoys it.” —Benjamin Franklin

“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

“If you can get paid for doing what you love, every paycheck is a bonus.” —Oprah Winfrey

“Making money isn’t hard in itself . . . What’s hard is to earn it doing something worth devoting one’s life to.”—Carlos Ruiz Zafón

“Money can’t buy happiness, but it will certainly get you a better class of memories.” —Ronald Reagan

“All I ask is the chance to prove that money can’t make me happy.” —Spike Milligan

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

“Those who think money can’t buy happiness just don’t know where to shop . . . People would be happier, and in the long run and wealthier, if they bought basic functional appliances, automobiles, and wristwatches, and invested the money they saved for future consumption; yet, Americans in particular, spend almost everything they have—and sometimes more—on goods for present consumption, often paying a large premium for designer names and superfluous features.” —Jonathan Haidt

“Money can’t buy happiness, but it certainly is a stress reliever.” —Besa Kosova

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

“The conviction of the rich that the poor are happier is no more foolish than the conviction of the poor that the rich are.” —Mark Twain

“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

Inspirational Quotes for Building Financial Discipline

“A penny saved is a penny earned.” —Benjamin Franklin

“Savings can be created by spending less. You can spend less if you desire less. And you will desire less if you care less about what others think of you.” —Morgan Housel

“Stop buying things you don’t need to impress people you don’t even like.” —Suze Orman

“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

“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

“If you cannot control your emotions, you cannot control your money.” —Warren Buffett

“Never spend your money before you have 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

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

“Pull in your belt, spend less, and reduce debt.” —Ray Dalio

“A budget is telling your money where to go instead of wondering where it went.” —John C. Maxwell

“I believe that thrift is essential to well-ordered living.”—John D. Rockefeller

“Saving is the gap between your ego and your income.” —Morgan Housel

Quotes for Investors

“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

“The rich invest their money and spend what is left; the poor spend their money and invest what is left.” —Jim Rohn

“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

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

“Money moves from those who do not manage it to those who do.” —Dave Ramsey

“In investing, what is comfortable is rarely profitable.” —Robert Arnott

“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

“The biggest risk of all is not taking one.” —Mellody Hobson

“It’s important to know what you want to accomplish with your investments before you actually invest.” —Oscar Auliq-Ice

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

“The intelligent investor is a realist who sells to optimists and buys from pessimists.” —Benjamin Graham

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

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

Financial Education Quotes

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

“Formal education will make you a living. Self-education will make you a fortune.” —Jim Rohn

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

“The most important thing you can do as a young person is to become an expert. There is no substitute for becoming the best at your craft.” —Robert F. Smith

“The only thing more expensive than education is ignorance.” —Daymond John

“The way of success is the way of continuous pursuit of knowledge.” —Napoleon Hill

“If you don’t educate yourself, you’ll never get out of the starting block because you’ll spend all your money making foolish decisions.” —Daymond John

It’s simple arithmetic: Your income can grow only to the extent that you do.” —T. Harv Eker

“The more you learn, the more you earn.” —Frank Clark

Money Quotes About Perseverance

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

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

“The question isn’t who is going to let me; it’s who is going to stop me.” —Ayn Rand

“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

​​“It is important to remember that there are no overnight successes. You will need to be dedicated, and single-minded, and there is no substitute to hard work.” —Mukesh Nambani

“Every time you push through failure, there’s always a prize for you on the other side.” —Barbara Corcoran

“I tell people, stick to your guns. You will make money eventually. There is really no substitute for picking a company that your own research shows is going to increase its earnings and has a good outlook.” —Muriel Siebert

“Invest for the long haul. Don’t get too greedy, and don’t get too scared.” —Shelby M.C. Davis

“Money grows on the tree of persistence.” —Japanese Proverb

“Creating opportunities means looking where others are not.” —Mark Cuban

Quotes on Making Money in Business

“If you are going to be in business, you must learn about money: how it works, how it flows, and how to put it to work for you.” —Idowu Koyenikan

“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

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

“I can honestly say that I have never gone into any business purely to make money. If that is the sole motive, then I believe you are better off not doing it. A business has to be involving, it has to be fun, and it has to exercise your creative instincts.” —Richard Branson

“If you hire people just because they can do a job, they’ll work for your money. But if you hire people who believe what you believe, they’ll work for you with blood and sweat and tears.” —Simon Sinek

“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

“All you can do is every day, try to solve a problem and make your company better. You can’t worry about it; you can’t panic when you look at the stock market’s decline. You get frozen like a deer in the headlights. All you can do is all you can do.” —Larry Ellison

“Money is simply fuel to make the car go. We don’t own cars to buy more fuel; we own cars to go somewhere. It’s the same thing in an organization; your organization exists to advance something. The money is simply there to make it go.” —Simon Sinek

“Making money is art, and working is art, and good business is the best art.” —Andy Warhol

Wise Money Quotes

“The lack of money is the root of all evil.” —Mark Twain

“What is a cynic? A man who knows the price of everything and the value of nothing.” —Oscar Wilde

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

“Don’t tell me where your priorities are. Show me where you spend your money, and I’ll tell you what they are.” —James W. Frick

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

“The art is not in making money, but in keeping it.” —Proverb

“It is better to have a permanent income than to be fascinating.” —Oscar Wilde

“You make money by taking a stand and being right.” —Muriel Siebert

“Giving should be entered into in just the same way as investing. Giving is investing.” —John D. Rockefeller

“Surplus wealth is a sacred trust which its possessor is bound to administer in his lifetime for the good of the community.” —Andrew Carnegie

“It requires a great deal of boldness and a great deal of caution to make a great fortune; and when you have got it, it requires ten times as much wit to keep it.” —Nathan Mayer Rothschild

“Focus on money, and we will make money. Focus on impact, and we will make an impact.” —Simon Sinek

How to Stay Grounded as You Make More Money

Aspiring to be wealthy is an admirable goal, but staying grounded is essential as you earn more money. Remember to continue serving those around as your influence or status grows. Be a mentor to others who want to follow in your footsteps and avoid isolating yourself from people with different perspectives from your own.

To learn about how money impacts empathy and what you can do about it, check out the article below:

Wealth Hurts Your Capacity For Empathy (Here’s What To Do About It)

And if you want to check out more quotes to lift your spirits, read the following:

50 Family Quotes to Keep By Your Desk