100 Credit & Finance Quotes Of All Time

Top 100 Credit & Finance Quotes of All Time

The best credit and finance quotes of all time can help boost your financial life.

Never have there been a time in history that people need financial knowledge as this period.

With numerous ways to advance in the ladders of economic prosperity ranging from disruptive tech ideas to highly profitable stocks, few individuals make the right financial decisions, while many are slipping further into the bottomless tunnel of debt.

This is further compounded by the pandemic, which delivered devastating blows to the sleds of the shaky foundation of the world’s economy.

As revealed in a Congressional Research Service report entitled “Unemployment Rates During the COVID-19 Pandemic: In Brief”, the unemployment rate soared to 14.8%, the highest ever recorded since data collection began in 1948. 

An even more vivid instance that fully depicts the economic strains of the pandemic is the huge loss suffered by the online lodging marketplace site Airbnb, which planned to have its IPO in August but recorded a 19% loss in the last quarter of 2020.

Despite these unfortunate happenings, several individuals and companies have rebounded in their finances, as seen in the 6.7% unemployment rate in the report cited earlier and in Airbnb’s December 2020 IPO.

These rebounds from debt of financial horrors can be attributed to the practical application of financial strategies.

Key Takeaways

  • Spend only after you earn.
  • Creditors never have your best interest in mind.
  • Living below your means guarantees financial peace.
  • Invest first. Spend second.

Finance quotes on financial literacy

1.  “Financial literacy is an issue that should command our attention because many Americans are not adequately organizing finances for their education, healthcare, and retirement.”

— Ron Lewis

2. “Money is a terrible master but an excellent servant.”

— P.T. Barnum

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

— Dave Ramsey

4. “The Stock Market is designed to transfer money from the Active to the Patient.”

— Warren Buffett

5. “Develop success from failures. Discouragement and failure are two of the surest stepping stones to success.”

— Dale Carnegie

6. “Time is more value than money. You can get more money, but you cannot get more time.”

— Jim Rohn

7. “Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.”

— Zig Ziglar

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

— Chris Rock

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

— Tennessee Williams

10.  “I’d like to live as a poor man with lots of money.”

— Pablo Picasso

11.  “Never spend your money before you have it.”

— Thomas Jefferson

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

— Joe Biden

13. “Don’t stay in bed, unless you can make money in bed.”

— George Burns

14.  “Money cannot buy peace of mind. It cannot heal ruptured relationships or build meaning into a life that has none.”

— Richard M. DeVos

15.  “Money is a terrible master but an excellent servant.”

— P.T. Barnum

16. “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

17. “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

18.  “The individual investor should act consistently as an investor and not as a speculator.”

— Ben Graham

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

— Robert G. Allen

20. “Finance is not merely about making money. It’s about achieving our deep goals and protecting the fruits of our labor. It’s about stewardship and, therefore, about achieving the good society.”

— Robert J. Shiller

Related: Top 100 Best Investment Quotes For Success

Credit quotes that will make you rethink debt 

21. “Paying $99.00 a month for a maybe is a “risk” that ends up taking your “reward.”

— The Credit Repair Book: The Credit Repair Company’s Secret Weapon.

22. “The reality is – A high Debt to Income Ratio can counter a high Credit Score!!!”

— The Credit Repair Book: The Credit Repair Company’s Secret Weapon.

23. “Credit is the air that financial markets breathe, and when the air is poisoned, there’s no place to hide.”

— Charles R. Morris

24.”High bankruptcy rate, increased credit card debt, and identity theft, make it imperative, that all of us take an active role in providing financial and economic education, during all stages of one’s life.”

— Ruben Hinojosa

25. “Credit Repair Companies feed off your frustrations, and your funds!!!”

— The Credit Repair Book: The Credit Repair Company’s Secret Weapon

26. “Companies capitalize off people’s unwillingness to patiently wait… Top companies understand this demand and respond, “No problem, I will give it to you now, but you will have to pay.”

— The Credit Repair Book: The Credit Repair Company’s Secret Weapon

27. “The Poor is no longer not just having enough, but poverty is in fact, not having more than the debts you owe!!!”

— The Credit Repair Book: The Credit Repair Company’s Secret Weapon

28. “The surprising part of the Fair Debt Collection Practices Act is that the lawmakers even admit that the abusive tactics of the debt collectors contributed to several painful results. The top negative consequences were personal bankruptcies, marital instability, the loss of jobs, and the invasion of individual privacy.”

— The Credit Repair Book: The Credit Repair Company’s Secret Weapon

29. “All the offers in the mail are waiting for your failure, not thinking about your financial future!”

— The Credit Repair Book: The Credit Repair Company’s Secret Weapon

30. “Credit Repair Companies walk a very fine line as it pertains to “False Advertising.” Their advertisements target those that are desperate, in need of a quick fix, or both without the targeted fully understanding the Credit Laws and the Credit Repair Process.”

— The Credit Repair Book: The Credit Repair Company’s Secret Weapon

31. “Never call an accountant a credit to his profession; a good accountant is a debit to his profession.”

— Charles Lyell

32. “Remember that credit is money.”

— Benjamin Franklin

33. “Credit is a system whereby a person who can’t pay, gets another person who can’t pay, to guarantee that he can pay.”

— Charles Dickens

34. “The creditor hath a better memory than the debtor.”

— James Howell

35. “No man’s credit is ever as good as his money.”

— Edgar Watson Howe

36. “Credit is a matter so subtle in its essence, that, as it may be obtained almost without reason, so, without reason, may it be made to melt away.”

— Anthony Trollope

37. “Credit card interest payments are the dumbest money of all.”

—  Hill Harper

38. “Credit buying is much like being drunk. The buzz happens immediately and gives you a lift. The hangover comes the day after.”

— Joyce Brothers

39. “Credit leads a man into temptation. Cash down is the only thing that will deliver him from evil.”

— Solomon Northup

40. “Creditor: One of a tribe of savages dwelling beyond the Financial Straits and dreaded for their desolating incursions.”

— Ambrose Bierce

41. “If you don’t take good care of your credit, then your credit won’t take good care of you.”

— Tyler Gregory

42. “Private credit is wealth; public honor is security; the feather that adorns the royal bird supports its flight; strip him of his plumage, and you fix him to the earth.”

— Junius

Related: 100 Dave Ramsey Quotes On Debt, Money & Financial Success

Finance and credit quotes that will inspire financial prudence

43. “Frugality includes all the other virtues.”

— Cicero

44. “The way to stop financial joyriding is to arrest the chauffeur, not the automobile.”

— Woodrow Wilson

45. “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

46. “The trick is to stop thinking of it as ‘your’ money.”

— IRS auditor

47. “Whatever your income, always live below your means.”

— Thomas J. Stanley

48. “Never confuse the size of your paycheck with the size of your talent.”

— Marlon Brando

49. “A treasure is to be valued for its own sake and not for what it will buy.”

— Graham Greene

50. “Formal education will make you a living; self-education will make you a fortune.”

— Jim Rohn

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

— Edmund Burke

52. “Money doesn’t buy elegance. You can take an inexpensive sheath, add a pretty scarf, gray shoes, and a wonderful bag, and it will always be elegant.”

— Carolina Herrera

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

— Ayn Rand

54. “A penny saved is a penny earned.”

— Benjamin Franklin

55. “More people should learn to tell their dollars where to go instead of asking them where they went.”

— Roger Babson

56. “If you’re saving, you’re succeeding.”

— Steve Burkholder

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

— Epictetus

58. “Save mindlessly. Spend consciously.”

— Unknown

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

— Seneca

60. “Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum.”

— Benjamin Franklin

Related: Top 100 Inspiring Money Quotes To Motivate You

Credit and finance quotes on financial peace

61. “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

62. “Empty pockets never held anyone back. Only empty heads and empty hearts can do that.”

— Norman Vincent Peale

63. “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

64. “Wealth, after all, is a relative thing since he that has little and wants less is richer than he that has much and wants more.”

— Charles Caleb Colton

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

— Dave Ramsey

66. “Know what you own, and know why you own it.”

— Peter Lynch

67. “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

68. “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

69. “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

70. “There is no monopoly on becoming a millionaire. If you’re jealous of those with more money, don’t just sit there and complain—do something to make more money yourself.”

— Gina Rinehart

71. “I’m not that lazy, but I don’t need that much money. I lead a fairly simple life.”

— Karl Pilkington

72. “Making money is a happiness. And that’s a great incentive. Making other people happy is a super happiness.”

— Muhammad Yunus

73. “I believe that through knowledge and discipline, financial peace is possible for all of us.”

— Dave Ramsay

74. “Beware of little expenses. A small leak will sink a great ship.”

— Benjamin Franklin

75. “Stay on top of your finances. Don’t leave that up to others.”

— Leif Garrett

76. “The only way to permanently change the temperature in the room is to reset the thermostat. In the same way, the only way to change your level of financial success permanently is to reset your financial thermostat. But it is your choice whether you choose to change.”

— T. Harv Eker

77. “Security depends not so much upon how much you have, as upon how much you can do without.”

— Joseph Wood Krutch

78. “Here’s my gift-giving rule: Respect your current financial situation.”

— Suze Orman

79. “Financial support is one thing, but I always think what becomes really sacrificial is your time.”

— Cliff Richard

80. “Your net worth to the world is usually determined by what remains after your bad habits are subtracted from your good ones.”

— Benjamin Franklin

81. “I’m a big advocate of financial intelligence.”

— Daymond John

82. “This time, instead of moving oceans and healing planets, let’s get our bills in order and pay down the debt so we control our own future.”

— Daymond John

83. “Being rich is a good thing. Not just in the obvious sense of benefitting you and your family, but in the broader sense. Profits are not a zero-sum game. The more you make, the more of a financial impact you can have.”

— Mark Cuban

84. “Derivatives are financial weapons of mass destruction.”

— Warren Buffett

85. “Infinite growth of material consumption in a finite world is an impossibility.”

— E.F. Schumacher

86. “Do you know the only thing that gives me pleasure? It’s to see my dividends coming in.”

— John D. Rockefeller

87. “The price of everything rises and falls from time to time and place to place, and with every such change the purchasing power of money changes so far as that thing goes.”

— Alfred Marshall

88. “Money is like manure. You have to spread it around or it smells.”

— J. Paul Getty

89. “A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.”

— Suze Orman

90. “The way to make money is to buy when blood is running in the streets.”

— John D. Rockefeller

91. “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

92. “Financial peace of mind is not determined by how much we make, but is dependent upon how much we spend!”

— Marvin J. Ashton

93. “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

94. “Financial freedom is available to those who learn about it and work for it.”

— Robert Kiyosaki

95. “Hаbіtѕ оf fіnаnсіаl ѕuссеѕѕ аrе lеаrnаblе, as аll hаbіtѕ аrе, bу practice аnd rереtіtіоn.”

— Shane Johnston

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

— David Bach

97. “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

98. “The key to financial freedom and great wealth is a person’s ability or skill to convert earned income into passive income and/or portfolio income.”

— Robert Kiyosaki

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

— Dave Ramsey

100. “Pursuing your passion is fulfilling and leads to financial freedom.”

— Robert G. Allen

To wrap up

Credit and finance are integral to our life, but the wrong moves can easily lead to disaster. 

The above credit and finance quotes have been carefully curated to show you those moves and reveal to you the path to financial success.

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