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Money is an important part of life

• Let me put it bluntly: anyone who says that money isn’t important doesn’t have any! Rich people understand the importance of money and the place it has in our society. On the other hand, poor people validate their financial ineptitude by using irrelevant comparisons. They’ll argue, ‘Well, money isn’t as important as love.’ Now, is that comparison dumb or what? What’s more important, your arm or your leg? Maybe they’re both important. T. Harv Eker
• Money isn’t the most important thing in life, but it’s reasonably close to oxygen on the “gotta have it” scale. Zig Ziglar
• Those who glibly say, “Money is not important”, are not facing the facts. The average person spends more time earning the medium of exchange called money than any other single activity.  Jim Hartness
• Money is not the only answer, but it makes a difference.  Barack Obama
• Money isn’t everything – but it’s a long way ahead of what comes next. Edmund Stockdale
• Money makes the world go round. John Kander, Fred Ebb
• He had heard people speak contemptuously of money: he wondered if they had ever tried to do without it. Somerset Maugham
• It’s a kind of spiritual snobbery that makes people think they can be happy without money. Albert Camus
• True wealth,  Investing,  Saving,  Abundance,  Prosperity consciousness,  Prosperity

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Money may not buy you happiness, but nor does poverty

• Though money cannot acquire you happiness, it does not mean that both money and happiness cannot exist together. Stephen Richards
• Money cannot make you happy, but it can get rid of many of the things that make you unhappy. Robert Anthony
• Let us be done with thinking poverty is a virtue. It is a common vice.  Catherine Ponder
• Money can’t buy happiness, but neither can poverty. Leo Rosten
• Money is better than poverty, if only for financial reasons. Woody Allen
• A full purse is not as good as an empty one is bad. Yiddish Proverb
• Poverty is no disgrace. But it is certainly not a recommendation. Napoleon Hill
• Within very wide bands, more money doesn’t make people happier. Learning how to think about money, though, usually does. Seth Godin
• Our first duty is not to be poor. George Bernard Shaw
• Happiness,  Poverty

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Money can bring comfort, enjoyment and peace of mind …

• The world class knows that while having money doesn’t guarantee happiness, it does make your life easier and more enjoyable. Steve Siebold
• Happiness is not bought by money, but it can buy circumstances and conditions that improve the chances of a worldly kind of happiness. Steve Scott
• It is true that money cannot buy happiness, but it does make it possible for you to enjoy the best that the world has to offer. George S. Clason
• The only way not to think about money is to have a great deal of it.  Edith Wharton
• I don’t like money, actually, but it quiets my nerves.  Joe Louis
• Whether you experience great peace of mind or constant anxiety will depend on getting your finances under control. Robert Allen
• It is pretty hard to tell what does bring happiness; poverty and wealth have both failed. Kin Hubbard
• Wealth is well known to be a great comforter. Plato
• But what is wealth for, anyway? The goal of wealth, in my view, is not just to produce more wealth but to engender flourishing. Martin Seligman
• Wealth is the sixth sense that allows you to enjoy the other five.   Somerset Maugham
• Ready money is Aladdin’s lamp.  Lord Byron
• Money is not the only answer, but it makes a difference. Barack Obama
• Comfort,  Enjoyment,  Inner peace

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… and a certain level of freedom

• Money is the sign of liberty. To curse money is to curse liberty- to curse life, which is nothing, if it be not free.  De Gourmont
• Money for me has only one sound: liberty. Gabrielle Chanel
• Money is a lubricant. It lets you “slide” through life instead of having to “scrape” by. Money brings freedom—freedom to buy what you want , and freedom to do what you want with your time. Money allows you to enjoy the finer things in life as well as giving you the opportunity to help others have the necessities in life. Most of all, having money allows you not to have to spend your energy worrying about not having money.   Harv Eker
• One of the advantages of possessing money is that it facilitates one’s independence and mental attitude. The man head over heels in debt is more slave than independent.  C. Forbes
• If money go before, all ways do lie open. William Shakespeare
• Being wealthy is not about having money, it’s about having options. Chris Rock
• The only thing money gives you is the freedom of not worrying about money. Johnny Carson
• Freedom

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If used properly, money can create positive power

• It is natural that affluence should be followed by influence. Augustus William Hare and Julius Charles Hare
• Money is for making things happen.  Richard Branson
• Power is the ability to do good things for others.  Brooke Astor
• Tis a sort of duty to be rich, that it may be in one’s power to do good, riches being another word for power.  Mary Wortley Montagu
• Wealth is power. With wealth many things are possible. George Clason
• A man with a surplus can control circumstances, but a man without a surplus is controlled by them, and often he has no opportunity to exercise judgment. Harvey Firestone
• What material success does is provide you with the ability to concentrate on other things that really matter. And that is being able to make a difference, not only in your own life, but in other people’s lives. Oprah Winfrey
• Money alone sets all the world in motion. Publilius Syrus
• Power

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Some say money is the root of evil but this is not true …

• Money is neither my god nor my devil. It is a form of energy that tends to make us more of who we already are whether it’s greedy or loving. Dan Millman
• Money doesn’t change men, it merely unmasks them. If a man is naturally selfish or arrogant or greedy, the money brings that out, that’s all.  Henry Ford
• Money is power, freedom, a cushion, the root of all evil, the sum of blessings. Carl Sandburg
• Lack of money is the root of all evil. George Bernard Shaw
• Money is not the root of all evil…ignorance is the root of all evil. People do cruel and foolish things for money because they feel oppressed by a sense of lack. If people knew their power to generate wealth, they would never fight or hurt each other over money. Alan Cohen
• A man’s soul may be buried and perish under a dungheap or in a furrow of the field, just as well as under a pile of money. Nathaniel Hawthorne
• Money is a means, made good or bad by our choice of option.  Fred Smith
• So you think that money is the root of all evil. Have you ever asked what is the root of all money?  Ayn Rand
• 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
• Of the billionaires I have known, money just brings out the basic traits in them. If they were jerks before they had money, they are simply jerks with a billion dollars. Warren Buffet
• 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
• We have always believed that it’s possible to make money without being evil. Larry Page
• Money is a means, made good or bad by our choice of option. Fred Smith
• Those who condemn wealth are those who have none and see no chance of getting it. William Penn Patrick
• Evil

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… so long as money remains the servant, and not the master

• If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.  Edmund Burke
• Money should be mastered, not served. Syrus, Maxims
• Money is a good servant, but a poor master. Dominique Bouhours
• You see, we need instruction on how to possess money without being possessed by money. We need help to learn how to own things without treasuring them. We need the discipline that will allow us to live simply while managing great wealth and power. Richard Foster
• If money be not thy servant, it will be thy master. The covetous person cannot so properly be said to possess wealth, as that may be said to possess him or her.  Francis Bacon
• Money is a terrible master but an excellent servant.  T. Barnum
• Make money your god and it will plague you like the devil. Henry Fielding
• Money amassed either serves us or rules us. Horace
• Riches are a good hand maiden, but a poor mistress. Francis Bacon
• There is nothing wrong with men possessing riches. The wrong comes when riches possess men. Billy Graham
• I’ve been more bossed by my fortune than it has been bossed by me. John P. Lippett
• The only thing wealth does for some people is to make them worry about losing it. Antoine Rivarol
• Do not value money for any more nor any less than its worth; it is a good servant but a bad master. Alexandre Dumas
• Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver. Ayn Rand
• Prosperity is only an instrument to be used, not a deity to be worshipped. Calvin Coolidge
• A wise man should have money in his head, but not in his heart. Jonathan Swift
• Riches are not an end of life, but an instrument of life. Henry Ward Beecher
• Money amassed either serves us or rules us. Horace
• Wealth is a tool of freedom, but the pursuit of wealth is the way to slavery. Frank Herbert
• It is true that so far as wealth gives time for ideal ends and exercise to ideal energies, wealth is better than poverty and ought to be chosen. But wealth does this in only a portion of the actual cases. Elsewhere the desire to gain wealth and the fear to lose it are our chief breeders of cowardice and propagators of corruption. There must be thousands of conjunctures in which a wealth- bound man must be a slave, whilst a man for whom poverty has no terrors becomes a freeman.  William James

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The trick is to make money the reward, not the goal

• Money is the reward, but if it ever becomes the goal, you will lose sight of your dream and do things that make no one happy. The Statler Brothers
• It is through creating, not possessing, that life is revealed. Vida D. Scudder
• My experience indicates that most people who’ve accumulated a great deal of wealth haven’t had that as their goal at all. Wealth is only a by-product, not the original motivation. Michael Milken
• We enjoy the process far more than the proceeds. Warren Buffet
• Money was never a big motivation for me, except as a way to keep score. The real excitement is playing the game. Donald Trump
• I think the money that I’ve got is a consequence of the activities I’ve been doing and the interests that I’ve had in my life. I’ve never set out to make a lot of money. Clive Palmer
• The man who does not work for the love of work but only for money is not likely to make money nor find much fun in life. Charles Schwab
• When you follow your heart instead of worrying about how to fatten your bank account, you can attract more ways to do both. Deanna Schwartz
• Don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you. Maya Angelou
• It is not the creation of wealth that is wrong, but the love of money for its own sake. Margaret Thatcher

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Don’t fall into the trap of overly associating money with true happiness and security

• For many men, the acquisition of wealth does not end their troubles, it only changes them. Seneca
• 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
• Wealth is not in making money, but in making the man while he is making the money. John Wicker
• There is no amount of money in the world that will make you comfortable if you are not comfortable with yourself. Stuart Wilde
• Don’t get caught confusing money with security. There are lots of ways to build a life that’s more secure, starting with the stories you tell yourself, the people you surround yourself with and the cost of living you embrace. Money is one way to feel more secure, but money alone won’t deliver this. Seth Godin
• Happiness,  Security

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How you use and apply your wealth is more important that possessing it

• The only question with wealth is, what do you do with it?  John D. Rockefeller
• Riches do not consist in the possession of treasures, but in the use made of them. Napoleon Bonaparte
• There’s nothing wrong with possessions; it’s just that they have value to us only when we use them, engage them, and enjoy them. They’re nouns that mean something only in conjunction with verbs. That’s why wealth is so dangerous: if you’re not careful you can easily end up with a garage full of nouns. Rob Bell
• Wealth unused might as well not exist.  Aesop
• Riches are not an end of life, but an instrument of life. Henry Ward Beecher
• The gratification of wealth is not found in mere possession or in lavish expenditure, but in its wise application. Miguel de Cervantes
• The highest use of capital is not to make more money, but to make money do more for the betterment of life. Henry Ford
• If a man is proud of his wealth, he should not be praised until it is known how he employs it. Socrates

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Make money to live a rich life, not just simply to accumulate it…

• Money is like a sixth sense without which you cannot make complete use of the other five.  William Somerset Maugham
• There is a lot more to life than just struggling to make money. Ann Richards
• But what is wealth for, anyway? The goal of wealth, in my view, is not just to produce more wealth but to engender flourishing. Martin Seligman
• So, after “Save money and money will save you,” here’s my most important dictum on dollars: Money is worth only one thing–   what you can trade it for.  And you should never– not ever–be afraid to trade it for things that make you happy, things that can make your life fuller, richer, sweeter. Money speaks a language everyone understands.  It’s a universal provider for most everything but happiness and a universal passport to most any place but heaven.  Spend it accordingly:  Because you sure can’t take it with you. You’ve never seen a Brink’s truck following a hearse. And I’m willing to bet you never will. Patti LaBelle
• A man that hoards up riches and enjoys them not, is like an ass that carries gold and eats thistles.  Sir Richard Francis Burton
• It is not how much we have, but how much we enjoy, that makes happiness. Charles Spurgeon
• Not what we have but what we enjoy, constitutes our abundance. John Petit-Senn
• It is through creating, not possessing, that life is revealed. Vida D. Scudder
• Treasure your relationships – not your possessions. Anthony J. D’Angelo
• There’s nothing wrong with possessions; it’s just that they have value to us only when we use them, engage them, and enjoy them. They’re nouns that mean something only in conjunction with verbs. That’s why wealth is so dangerous: if you’re not careful you can easily end up with a garage full of nouns. Rob Bell
• If your capacity to acquire has outstripped your capacity to enjoy, you are on the way to the scrap-  Glen Buck
• Money is just a symbol we use to facilitate the gathering of memories and experiences. Stuart Wilde
• There is no wealth but life. John Ruskin
• What’s the subject of life – to get rich? All of those fellows out there getting rich could be dancing around the real subject of life. Paul A. Volcker
• So many people of wealth understand much more about making and saving money than about using and enjoying it. They fail to live because they are always preparing to live. Alan Watts
• That which makes you want more money is the same as that which makes the plant grow; it is life seeking fuller expression. Wallace Wattles
• Live rich rather than die rich

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… remembering that you cannot take your money beyond the grave

• There’s no reason to be the richest man in the cemetery. You can’t do any business from there. Colonel Harland Sanders
• It is sheer madness to live in want in order to be wealthy when you die. Juvenal
• I don’t want to own anything that won’t fit into my coffin.  Fred A. Allen
• There are no pockets in a shroud.
• He who dies with the most toys is nonetheless dead.
• In the proximity of death, the whole concept of ownership stands revealed as ultimately meaningless. Eckhart Tolle
• Money is only loaned to a man. He comes into the world with nothing and he leaves with nothing. William Crapo Durant
• If your riches are yours, why don’t you take them with to the other world?  Benjamin Franklin
• Of all the riches that we hug, of all the pleasures we enjoy, we can carry no more out of this world than out of a dream. John S. Bonnell

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Outer wealth cannot compensate for inner poverty

• The smaller we feel inside, the greater amount of power, money, and glamour must be accumulated in order to try and compensate for the inner smallness. David R. Hawkins
• The person who suffers from inner poverty is relentlessly driven to accumulate on the material level. David R. Hawkins
• The problem with excessive accumulation of money, of course, is the constant fear of losing it. David R. Hawkins
• We have an inner security, knowing that there will always be sufficient abundance. David R. Hawkins
• Poverty

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Stop being a victim and take positive control of your financial life

• If you want to create wealth, it is imperative that you believe that you are at the steering wheel of life, especially your financial life. T. Harv Eker
• Poor people choose to play the role of the victim. T. Harv Eker
• There is no such thing as a really rich victim. T. Harv Eker
• You can be a victim or you can be rich, but you can’t be both. Listen up! Every time, and I mean every time, you blame, justify, or complain, you are slitting your financial throat. T. Harv Eker
• Believe that you are the one who creates your success, that you are the one who creates your mediocrity, and that you are the one creating your struggle around money and success. T. Harv Eker
• Complaining is the absolute worst possible thing you could do for your health or your wealth. The worst! … For the next seven days, I challenge you not to complain at all. T. Harv Eker
• Make a list of the reasons why you think that you’re not making as much money as you would like to be making. These are your excuses. Stop making excuses. Marelisa Fabrega
• Victim mentality

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Get your beliefs and attitudes right about money

• The Universe can only respond to what you believe about yourself and your life. Examine whatever negative thoughts you have about money, and then decide to release them and let them go. They haven’t served you well in the past and will not serve you well in the future. Louise L. Hay
• If people get their attitude toward money straight, it will help straighten out almost every other area of their lives. Billy Graham
• Adopt positive beliefs about money. Release any negative feelings that you may have about money.
• Belief,  Attitude

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Realise your real source of wealth lies in your mind and imagination

• Wealth is not a matter of intelligence it’s a matter of inspiration.  Jim Rohn
• All achievements, all earned riches, have their beginning in an idea. Napoleon Hill
• All riches have their origin in mind. Wealth is in ideas – not money. Robert Collier
• Today the greatest single source of wealth is between your ears. Brian Tracy
• All the breaks you need in life wait within your imagination, Imagination is the workshop of your mind, capable of turning mind energy into accomplishment and wealth. Napoleon Hill
• Wealth is the product of man’s capacity to think. Ayn Rand
• Nobody has a money problem – there are only idea problems. Robert H. Schuller
• Wealth flows from energy and ideas. William Feather
• Lack of money is no obstacle. Lack of an idea is an obstacle. Ken Hakuta
• Ideas will be the major source of new wealth. Brian Tracy
• The real source of wealth and capital in this new era is not material things.. it is the human mind, the human spirit, the human imagination, and our faith in the future.  Steve Forbes
• Money never starts an idea; it is the idea that starts the money. W.J. Cameron
• The main difference between me and other people who have amassed this kind of money is that I am primarily interested in ideas, and I don’t have much personal use for money. George Soros
• Innovation is the specific instrument of entrepreneurship. The act that endows resources with a new capacity to create wealth. Peter Drucker
• All prosperity begins in the mind and is dependent only on the full use of our creative imagination. Ruth Ross
• If you’re going to be thinking anyway, why not think big? Donald Trump
• Man was born to be rich, or to inevitably grow rich, by the use of his faculties: by the union of thought with nature. Ralph Waldo Emerson
• Prosperity belongs to those who learn new things the fastest. Paul Zane Pilzer
• Empty pockets never held anyone back. Only empty heads and empty hearts can do that. Norman Vincent Peale
• Imagination,  The mind

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Create thoughts of abundance instead of scarcity

• If you have good wealth mentality…. you will generate wealth wherever you go. Even if you lose money temporarily, your wealth mentality will attract it again. If you have a lack mentality, no matter how much you receive or what financial opportunities come your way, wealth will evade you or, if it comes, it won’t last. Alan Cohen
• If you see yourself as prosperous, you will be. If you see yourself as continually hard up, that is exactly what you will be. Robert Collier
• Money is usually attracted, not pursued. Jim Rohn
• Wealth consciousness is a state of mind, a sense, not of believing, but really knowing that what we need is available to us. Richard Carlson
• Abundance,  Prosperity consciousness

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Be inspired by the wealth of others, not envious…

• Every person who gets rich by creation opens a way for thousands to follow – and inspires them to do so. Wallace D. Wattles
• That some should be rich shows that others may become rich, and, hence, is just encouragement to industry and enterprise.  Abraham Lincoln
• Never begrudge someone else’s good fortune. Acknowledge it and feel good about it, for it is proof that it can be done. Look for and acknowledge success everywhere you can. John Kehoe
• That some achieve great success is proof to all that others can achieve it as well. Abraham Lincoln
• Envy,  Jealousy

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… for there is more than enough for everyone

• An Abundance Mentality is believing there is plenty for everyone. R. Covey
• The old thought that one cannot be rich except at the expense of his neighbor, must pass away. True prosperity adds to the richness of the whole world, such as that of the man who makes two trees grow where only one grew before. The parasitical belief in prosperity as coming by the sacrifices of others has no place in the mind that thinks true. “My benefit is your benefit, your success is my success,” should be the basis of all our wealth. Anne Rix Miltz
• You are to become a creator, not a competitor; you are going to get what you want, but in such a way that when you get it every other man will have more than he has now. Wallace D. Wattles
• There’s enough for everyone. If you believe it, if you can see it, if you act from it, it will show up for you. That’s the truth. Michael Beckwith
• By virtue of exchange, one man’s prosperity is beneficial to all others. Frederic Bastiat

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Allow your money to circulate for you need to spread it to make it grow

• If we stop the circulation of money — if our only intention is to hold on to our money and hoard it — since it is life energy, we will stop its circulation back into our lives as well. In order to keep that energy coming to us, we have to keep the energy circulating. Like a river, money must keep flowing, otherwise it begins to stagnate, to clog, to suffocate and strangle its very own life force. Circulation keeps it alive and vital. Deepak Chopra
• If you stop being so uptight about losing money, then you may well start to spend more, invest more and be more generous. And this gets the flow going. You will tend to find that more money then starts to come your way. John C. Parkin
• Who would make money must begin by spending. Carlo Goldini
• Money is like manure. You have to spread it around or it smells. J. Paul Getty
• Money is like manure, of very little use except it be spread. Francis Bacon
• Money is a store of life energy, and when we can channel that life energy into an expression of what is most dear to our soul, an exciting alignment takes place between our financial and spiritual lives. Brent Kessel
• True success is based on a constant flow of giving and recieving. In fact, if you look up affluence in the dictionary, you’ll see its root is a Latin phrase meaning “to flow with abundance”. So in order to be truly affluent, you must always let what you have recieved flow back into the world. Russell Simmons
• Life begets life. Energy creates energy. It is by spending oneself that one becomes rich. Sarah Bernhardt
• Money is like manure; it’s not worth a thing unless it’s spread around encouraging young things to grow.   Thornton Wilder
• Money is like an arm or leg – use it or lose it.  Henry Ford
• Wealth is but dung, useful only when spread. Chinese proverb

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Do what you love and do it well and the money will come

• What we really want to do is what we are really meant to do. When we do what we are meant to do, money comes to us, doors open for us, we feel useful, and the work we do feels like play to us. Julia Cameron
• Do what you love and the money will follow. Marsha Sinetar
• The fact remains that the overwhelming majority of people who have become wealthy have become so thanks to work they found profoundly absorbing…. The long term study of people who eventually become wealthy clearly reveals that their “Luck” arouse from the accidental dedication they had to an area they enjoyed. Srully Blotnick
• Money is a by-product of doing something I like doing extremely well. Warren Buffett
• Starting out to make money is the greatest mistake in life. Do what you feel you have a flair for doing, and if you are good enough at it, the money will come. Greer Garson
• You can only become truly accomplished at something you love. Don’t make money your goal.  Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you.  Maya Angelou
• Always do what you love. Warren Buffett
• Money will come when you are doing the right thing. Mike Phillips
• You know you are on the road to success if you would do your job, and not be paid for it. Oprah Winfrey
• Doing what you love is the cornerstone of having abundance in your life.  Wayne Dyer
• Do what you love,  Passion

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Create wealth by creating real value for others

• The Law of Effection. Effection of scale or magnitude always precedes money, either directly or indirectly. The more lives you impact, directly or indirectly, the more wealth you will attract. MJ DeMarco
• Quit trying to magically manifest stuff and focus on affecting people’s lives positively. The greater the number positively affected, the greater the financial return. It’s a Law. Brian Johnson
• Find a need and fill it. Ruth Stafford Peale
• Money is a symbol of value exchange between people. The amount of money you earn is simply a representation of the value you are giving to others. To earn more money, simply create more value for others. Celestine Chua
• Wealth, like happiness, is never attained when sought after directly. It comes as a by- product of providing a useful service. Henry Ford
• Wealth is the product of energy times intelligence: energy turned into artifacts that “advantage” human life. Buckminster Fuller
• You can have everything in life if you will just help others to get what they want. Zig Ziglar
• You can now focus on creating great things that serve others profoundly. Stay on that and money won’t be a problem… There’s always enough. It’s always unlimited. Focus on creating something masterful and you cannot be afraid. The two can’t coexist. Steve Chandler
• You can have anything you want in life just as long as you help enough other people get what they want in life. Zig Ziglar
• When your creative expressions match the needs of your fellow humans, then wealth will spontaneously flow from the unmanifest into the manifest, from the realm of the spirit to the world of form. Deepak Chopra
• If you don’t value your time, neither will others. Stop giving away your time and talents. Value what you know and start charging for it. Kim Garst
• Instead of focusing on trying to make money, put your time and energy into creating value for others. Remember that money is simply a medium for exchanging value. Stop focusing on the effect (receiving money), and start focusing on the cause (value creation). Marelisa Fabrega
• I never perfected an invention that I did not think about in terms of the service it might give others… I find out what the world needs, then I proceed to invent. Thomas A. Edison
• When you undervalue what you do, the world will undervalue who you are. Oprah Winfrey
• A business that makes nothing but money is a poor kind of business. Henry Ford
• The man who will use his skill and constructive imagination to see how much he can give for a dollar, instead of how little he can give for a dollar, is bound to succeed. Henry Ford
• Money is life energy that we exchange and use as a result of the service we provide to the universe.  Deepak Chopra
• When we do more than we are paid to do, eventually we will be paid more for what we do. Zig Ziglar
• We learned early on that if we help enough people, the money will come. Dave Ramsey
• Never forget: the secret of creating riches for oneself is to create them for others. Sir John Templeton
• No one can become rich without enriching others. Anyone who adds to prosperity must prosper in turn. G. Alexander Orndorff
• Any person who contributes to prosperity must prosper in turn. Earl Nightingale
• The only people who make money are those who work in the minting houses of government. The rest of us earn money through the exchange of goods and services. Jim Hartness
• There is an excellent correlation between giving society what it wants and making money, and almost no correlation between the desire to make money and how much money one makes. Ray Dalio
• In return, society rewards those who give it what it wants. That is why how much money people have earned is a rough measure of how much they gave society what it wanted. Ray Dalio
• To get what he wanted, a man had to give other people what they wanted. Dashiell Hammett

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Become knowledgeable about financial matters

• I want to teach you to master the power of money. Not be afraid of it. And they don’t teach that in school. If you don’t learn it, you become a slave to money. Robert Kiyosaki
• I am concerned that too many people are focused too much on money and not on their greatest wealth, which is their education. If people are prepared to be flexible, keep an open mind and learn, they will grow richer and richer through the changes. If they think money will solve the problems, I am afraid those people will have a rough ride. Intelligence solves problems and produces money. Money without financial intelligence is money soon gone. Robert Kiyosaki
• An investment in knowledge pays the best interest. Benjamin Franklin
• The single most powerful asset we all have is our mind. If it is trained well, it can create enormous wealth in what seems to be an instant. Robert Kiyosaki
• It is what you know that is your greatest wealth. It is what you do not know that is your greatest risk. Robert T. Kiyosaki
• I constantly encourage people to invest more in their financial education than in stocks, real estate, or other markets. The smarter you are, the better chance you have of beating the odds. Robert T.  Kiyosaki
• Financial IQ is made up of knowledge from four broad areas of expertise: Accounting is financial literacy or the ability to read numbers.  2.  Investing is the science of “money making money.  3.  Understanding markets is the science of supply and demand. You need to know the technical aspects of the market, which are emotion-driven, in addition to the fundamental or economic aspects of an investment.  4. The law: A corporation wrapped around the technical skills of accounting, investing, and markets can contribute to explosive growth.  Robert T.  Kiyosaki
• Formal education will make you a living; self-education will make you a fortune. Jim Rohn
• Risk comes from not knowing what you’re doing. Warren Buffett
• Information about money has become more valuable than money itself.  Walter Wriston
• The great road to wealth is to learn useful facts. R. Kopmeyer
• Wealth comes from knowing what others do not know. Aristotle Onasis
• If you are not as wealthy as you like, there is something you don’t know. David Wood
• One of the reasons the rich get richer, the poor get poorer and the middle class struggles in debt is because the subject of money is taught at home, not at school. Robert Kiyosaki
• Knowledge

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Develop your financial intelligence to recognise opportunities…

• That is financial intelligence. It is not so much what happens, but how many different financial solutions you can think of to turn a lemon into millions. It is how creative you are in solving financial problems. Robert T. Kiyosaki
• So why would you want to increase your financial intelligence? Because you want to be the kind of person who creates your own luck. You take whatever happens and make it better. Few people realize that luck is created, just as money is. And if you want to be luckier and create money instead of working hard, then your financial intelligence is important. Robert T.  Kiyosaki
• Nobody has a money problem – there are only idea problems. Robert H. Schuller
• Intelligence

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… and be fully prepared when they strike

• Wealth is in applications of mind to nature; and the art of getting rich consists not in industry, much less in saving, but in a better order, in timeliness, in being at the right spot.  Ralph Waldo Emerson
• Chance favors only the prepared mind. Louis Pasteur
• More important than the will to win is the will to prepare. Charlie Munger
• You can’t predict, but you can prepare. Howard Marks
• Be prepared, act promptly, in scale, on a few major opportunities. Charlie Munger
• Preparation

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Tap into the advice of others…

• Intelligent people are those who work with or hire a person who is more intelligent than they are. When you need advice, make sure you choose your advisor wisely. Robert T.  Kiyosaki
• Advice

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… but don’t put undue faith in the expensive experts

• I never talk to brokers or analysts. Wall Street is the only place that people who ride to work in a Rolls Royce get advice from those who take the subway. Warren Buffett
• If stock market experts were so expert, they would be buying stock, not selling advice. Norman R. Augustine
• Never ask a barber if you need a haircut. Warren Buffett
• Twenty years in this business convinces me that any normal person using the customary three percent of the brain can pick stocks just as well, if not better, than the average Wall Street expert. Peter Lynch
• The returns among all active managers engaged in picking large stocks is no better than if they were flipping coins to help them make their selections. Brent Kessel
• Expertise

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Learn lessons from the wealthy

• Study well what the billionaire does. It may make you a millionaire. John Emmerling
• Role models,  Mentorship

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Invest in yourself and your skills

• The greatest stock market you can invest in is yourself. Finding this truth is better than finding a gold mine. Byron Katie
• Consider the money you spend as an investment in yourself: you are buying stock in a company you believe in, you recognize your vast potential, and you want to get in on the ground floor of your achievements. Alan Cohen
• If money is your hope for independence you will never have it. The only real security that a man will have in this world is a reserve of knowledge, experience, and ability. Henry Ford
• This is the single most powerful investment we can ever make in life—investment in ourselves, in the only instrument we have with which to deal with life and to contribute. Stephen Covey
• If I had $5000 to spend on self-improvement, how would I spend it? Ramit Sethi
• What certification could I get that would help me earn more money? What skill could I acquire that would allow me to earn a higher income?   Marelisa Fabreg
• If a man empties his purse into his head, no man can take it away from him. An investment in knowledge always pays the best interest. Benjamin Franklin
• You are the root of your financial success or failure. If you work on the roots, the “fruits” will take care of themselves. Harv Eker
• Your most valuable currency is what comes most naturally to you. Cash in. Danielle LaPorta
• Invest in yourself. Your career is the engine of your wealth. Paul Clitheroe
• The thing to do with money is to put it back into yourself, into your work, into the thing that is important, into whatever you are so much interested in that it is more important than money. Henry Ford
• Investing in yourself is the best investment you will ever make. It will not only improve your life, it will improve the lives of all those around you. Robin S. Sharma
• Talent,  Skill,  Education,  Learning

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Work on your self-esteem, self-image and self-belief

• In order to make more money, you have to feel that you deserve it. If you don’t give yourself permission to make more money, then, regardless of how much value you provide, you’re going to unconsciously look for ways to sabotage yourself. After all, people will go to great lengths to maintain consistency with their self- image. Marelisa Fabrega
• Give yourself permission to stop seeing yourself as “he type of person who makes $20 an hour, and start seeing yourself as the type of person who makes ten times that. Marelisa Fabrega
• What psychological barriers are stopping me from making more money? What are my current beliefs about money?  How is my self- talk limiting the amount of money that I can make? How can I raise my self-  esteem in order to feel worthy to earn a larger income?  Marelisa Fabrega
• When your self-worth goes up, your net worth goes up with it. Mark Victor Hansen
• If you are insecure, guess what? The rest of the world is too. Do not overestimate the competition and underestimate yourself. You are better than you think.   Harv Eker
• The way money (or the lack of it) manifests in your life is a projection of the relationship you have with yourself. Gustavo Castaner
• Self-esteem,  Self-belief,  Self-confidence

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Realise the art is not just in making money, but in keeping it

• Money is hard to earn and easy to lose. Guard yours with care. Brian Tracy
• A fool and his money are easily parted. Proverb
• It requires a great deal of boldness and a great deal of caution to make a great fortune, and when you have it, it requires ten times as much skill to keep it. Ralph Waldo Emerson
• The art is not in making money, but in keeping it. Proverb
• 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
• Money without brains is always dangerous. Napoleon Hill

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If properly managed, money makes more money

• Remember that money is of a prolific generating nature. Money can beget money, and its offspring can beget more.  Benjamine Franklin
• Money is the seed of money, and the first guinea is sometimes more difficult to acquire than the second million.  Jean Jacques Rousseau
• Capital is that part of wealth which is devoted to obtaining further wealth. Alfred Marshall

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Don’t work for money, make it work for you…

• The poor and the middle class work for money. The rich have money work for them. Robert Kiyosaki
• Keep your day job and mind your own business. When I say mind your own business, I mean to build and keep your asset column strong. Once a dollar goes into it, never let it come out. Robert Kiyosaki
• Just know that it’s fear that keeps most people working at a job. The fear of not paying their bills. The fear of being fired. The fear of not having enough money. The fear of starting over. That’s the price of studying to learn a profession or trade, and then working for money. Most people become a slave to money… and then get angry at their boss. Robert Kiyosaki
• Job is an acronym for Just Over Broke. Robert Kiyosaki
• We go to school to learn to work hard for money. I write books and create products that teach people how to have money work hard for them. Robert Kiyosaki
• It’s not about working for money, it’s about having money work for you. Stephen Richards
• Let money work for you, and you have the most devoted servant in the world . . . it works night and day, and in wet or dry weather. T. Barnum
• I made a resolution to let my money work instead of me. John D. Rockefeller
• Most people are too busy earning a living to make any money. Joe Karbo
• If you cannot make money from one dollar–if you do not coax one dollar to work hard for you, you won’t know how to make money out of one thousand dollars. S. Kinnear

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… by buying assets that appreciate and / or produce income

• Being rich is having assets generating income that exceed your standard of living. Chris Reining
• The most important rule is to know the difference between an asset and a liability. Once you understand the difference, concentrate your efforts on only buying income-generating assets. Robert Kiyosaki
• An asset is something that puts money in my pocket. A liability is something that takes money out of my pocket. Robert Kiyosaki
• This pattern of treating your home as an investment and the philosophy that a pay raise means you can buy a larger home or spend more is the foundation of today’s debt-ridden society. Robert Kiyosaki
• The rich buy assets. The poor only have expenses. The middle class buys liabilities they think are assets. Robert Kiyosaki
• Rich people acquire assets. Poor and middle class acquire liabilities, but they think they are assets. Robert Kiyosaki
• If you want to be rich, simply spend your life buying assets. If you want to be poor or middle class, spend your life buying liabilities. It’s not knowing the difference that causes most of the financial struggle in the real world. Robert Kiyosaki
• Once a dollar goes into your asset column, it becomes your employee. The best thing about money is that it works 24 hours a day and can work for generations. Robert Kiyosaki
• The greatest losses of all are those from missed opportunities. If all your money is tied up in your house, you may be forced to work harder because your money continues blowing out of the expense column, instead of adding to the asset column, the classic middle class cash flow problem. Robert Kiyosaki
• How can I cut back on expenses so that I can invest the difference in income-producing assets?  Marelisa Fabrega
• Rich people invest money and poor people spend it. Grant Cardone

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Invest your money …

• In investing money the amount of interest, you want should depend on whether you want to eat well or sleep well. J. Kenfield Morley
• 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. Paul Getty
• The way to become rich is to put all your eggs in one basket and then watch that basket. Andrew Carnegie
• Investing,  Saving

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… so it at least keeps up with inflation

• If inflation continues to soar, you’re going to have to work like a dog just to live like one. George Gobel
• A nickel ain’t worth a dime anymore. Yogi Berra
• Inflation is when you pay fifteen dollars for the ten-dollar haircut you used to get for five dollars when you had hair. Sam Ewing

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Expand your wealth by growing and stretching your comfort zone

• It’s simple arithmetic: Your income can grow only to the extent you do. T. Harv Eker
• Comfort kills! If your goal in life is to be comfortable, I guarantee two things. First, you will never be rich. Second, you will never be happy. Happiness doesn’t come from living a lukewarm life, always wondering what could have been. Happiness comes as a result of being in our natural state of growth and living up to our fullest potential. T. Harv Eker
• Here’s an equation I want you to remember for the rest of your life: CZ = WZ. It means your ‘comfort zone’ equals your ‘wealth zone.’ By expanding your comfort zone, you will expand the size of your income and wealth zone. T. Harv Eker
• The more comfort becomes your priority, the more contracted you become with fear. T. Harv Ek
• Stretch your comfort zone

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Learn to take risks and handle your fear

• If you cannot control your emotions, you cannot control your money.  Warren Buffett
• People struggle financially because they cannot control their emotion of fear. Robert T. Kiyosaki
• I strongly urge students to learn to take risks, to be bold, to let their genius convert that fear into power and brilliance. Robert Kiyosaki
• I recognized that it was excessive fear and self-doubt that were the greatest detractors of personal genius. It broke my heart to see students know the answers, yet lack the courage to act on the answer. Often in the real world, it’s not the smart who get ahead, but the bold. Robert T. Kiyosaki
• We all have tremendous potential, and we all are blessed with gifts. Yet, the one thing that holds all of us back is some degree of self- doubt. It is not so much the lack of technical information that holds us back, but more the lack of self- confidence. Robert Kiyosaki
• The fear of losing money is real. Everyone has it. Even the rich. But it’s not fear that is the problem. It’s how you handle the fear. It’s how you handle losing. It’s how you handle failure that makes the difference in one’s life. That goes for anything in life, not just money. The primary difference between a rich person and a poor person is how they handle that fear. Robert Kiyosaki
• So, what are you afraid of? What would you do if you weren’t afraid? Time to do that. Robert Kiyosaki
• Winners are not afraid of losing. But losers are. Failure is part of the process of success. People who avoid failure also avoid success. Robert T. Kiyosaki
• Action makes more fortune than caution. Luc De Clapiers
• Fortune sides with him who dares. Virgil
• Risk taking,  Fear

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Live below your means…

• The art of living easily as to money is to pitch your scale of living one degree below your means. Sir Henry Taylor
• There is no dignity quite so impressive and no independence quite so important as living within your means. Calvin Coolidge
• There are plenty of ways to get ahead. The first is so basic I’m almost embarrassed to say it: spend less than you earn. Paul Clitheroe
• If you know how to spend less than you get, you have the philosopher’s stone. Benjamin Franklin
• Live below your means with the intent to expand your means. MJ DeMarco
• I’d like to live as a poor man with lots of money. Pablo Picasso
• 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
• Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like. Will Smith
• 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
• We must consult our means rather than our wishes. George Washington
• Act your wage.  Dave Ramsey
• Frugality,  Saving

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… by controlling your spending…

• More people should learn to tell their dollars where to go instead of asking them where they went.  Roger Bacon
• To acquire wealth is difficult, to preserve it more difficult, but to spend it wisely is most difficult of all. Edward Day
• Rich people buy luxuries last, while the poor and middle class tend to buy luxuries first. Robert Kiyosaki
• It’s not your salary that makes you rich, it’s your spending habits. Charles A Jaffe
• There’s not a lot you can do about the national economy but there is a lot you can do about your personal economy. Zig Ziglar
• Resolve not to be poor: whatever you have, spend less. Poverty is a great enemy to human happiness; it certainly destroys liberty, and it makes some virtues impracticable, and others extremely difficult. Samuel Johnson
• A bargain ain’t a bargain unless it’s something you need. Sidney Carroll

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… and being frugal…

• Those who spend too much will eventually be owned by those who are thrifty. John Templeton
• Beware of little expenses; a small leak will sink a great ship. Benjamin Franklin
• Wealth can only be accumulated by the earnings of industry and the savings of frugality. John Tyler
• Industry is fortunes right hand, and frugality its left. John Ray
• The way to wealth depends on just two words, industry and frugality. Benjamin Franklin
• Frugality

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… thereby saving some of your income each month

• A man who both spends and saves money is the happiest man, because he has both enjoyments. Samuel Johnson
• Is better to have a hen tomorrow than an egg today. Thomas Fuller
• Rich people invest money and poor people spend it. Grant Cardone
• From saving comes having. Scottish Proverb
• Live below your means with the intent to expand your means. MJ DeMarco
• Spend less than you make; always be saving something. Put it into a tax-deferred account. Over time, it will begin to amount to something. This is such a no-brainer. Charlie Munger
• Compound interest is the eighth wonder of the world. Albert Einstein
• A penny saved is a penny earned.   Benjamin Franklin
• If you would be wealthy, think of saving as well as getting. Ben Franklin
• When prosperity comes, do not use all of it. Confucius
• The secret of financial success is to spend what you have left after saving, instead of saving what is left after spending.
• He who gathers money little by little makes it grow.  Proverbs 13:11
• 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. Munger
• A penny saved is worth two pennies earned…after taxes. Randy Thurman
• You must learn to save first and spend afterwards. John Poole
• Save a part of your income and begin now, for the man with a surplus controls circumstances and the man without a surplus is controlled by circumstances. Henry Buckley
• A penny here, and a dollar there, placed at interest, goes on accumulating, and in this way the desired result is attained. It requires some training, perhaps, to accomplish this economy, but when once used to it, you will find there is more satisfaction in rational saving than in irrational spending. P. T. Barnum
• A simple fact that is hard to learn is that the time to save money is when you have some. Joe Moore
• All days are not the same. Save for a rainy day. When you don’t work, savings will work for you. M.K Soni
• The best way to save money is not to lose it. Les Williams
• On the first day of every week each one of you is to put aside and save, as he may prosper. Corinthians 16:2
• It is thrifty to prepare today for the wants of tomorrow. Aesop
• Make all you can; save all you can; give all you can. John Wesley
• Saving

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Track where your spending is going

• The person who doesn’t know where his next dollar is coming from usually doesn’t know where his last dollar went.
• Set up a tracking system for your spending so that you can determine where your money is going.
• Have the courage to set down every penny you spend, and add it up weekly. Josephus Nelson Larned

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Danielle La Porta’s questions before spending

• Is this going to make me feel fantastic in a way that it actually improves my well-being?
• Is this going to help me get the results that I’m aiming for?
• Is this going to help other people (including the people you’re purchasing from)?
• Is this going to make things easier for me, and free me up so that I can pursue more … pleasure?

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Beware of getting lost in debt

• Be not a beggar by banqueting upon borrowing. Ecclesiasticus 18:33
• Never spend your money before you have it. Thomas Jefferson
• Don’t spend it before you have it.
• There’s plenty of money around; the trouble is, everyone owes it to everyone else.
• Do not accustom yourself to consider debt only as an inconvenience. You will find it a calamity. Samuel Johnson
• One of the swiftest toboggans I know of is for a young man to get into debt. John D. Rockefeller
• Credit buying is much like being drunk. The buzz happens immediately, and it gives you a life…The hangover comes the day after. Joyce Brothers
• A credit card is a money tool, not a supplement to money. The failure to make this distinction has supplemented many a poor soul right into bankruptcy. Paula Nelson
• Creditors have better memories than debtors.  Benjamin Franklin
• Some debts are fun when you are acquiring them, but none are fun when you set about retiring them. Ogden Nash
• What can be added to the happiness of a man who is in health, out of debt, and has a clear conscience? Adam Smith
• It is the debtor that is ruined by hard times. Rutherford B. Hayes
• Debts are like children: the smaller they are the more noise they make. Spanish Proverb
• Rather go to bed supperless, than rise in debt. Benjamin Franklin
• Buy what thou hast no need of and ere long thou shalt sell thy necessaries. Benjamin Franklin
• Debts are nowadays like children begot with pleasure, but brought forth in pain. Moliere
• There are but two ways of paying debt: Increase of industry in raising income, increase of thrift in laying out. Thomas Carlyle
• He looks the whole world in the face for he owes not any man. Henry Wadsworth Longfellow
• Debt is the worst poverty. Thomas Fuller
• Youth is in danger until it learns to look upon debts as furies. Edward G. Bulwer-Lytton
• Debt is dumb. Cash is king. Dave Ramsey
• Debt can turn a free, happy person into a bitter human being. Michael Mihalik
• Debt is normal. Be weird. Dave Ramsey
• In the long run we shall have to pay our debts at a time that may be very inconvenient for our survival. Norbert Wiener
• Rather to go to bed supperless than rise in debt. Benjamin Franklin
• A mortgage casts a shadow on the sunniest field. Robert Green Ingersoll
• A wee house has a wide mouth. Scottish Proverb
• Debt is like any other trap, easy enough to get into, but hard enough to get out of. Henry Wheeler Shaw
• Home life ceases to be free and beautiful as soon as it is founded on borrowing and debt. Henrik Ibsen
• Don’t let your mouth write no check that your tail can’t cash. Bo Diddley
• Just pretending to be rich keeps some people poor. Monsieur Marc

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… for it turns you into a slave

• A man in debt is so far a slave. Ralph Waldo Emerson
• The borrower is servant to the lender. The Bible
• When you get in debt you become a slave. Andrew Jackson
• Debt, n. An ingenious substitute for the chain and whip of the slavedriver.  Ambrose Bierce
• Chains of habit are too light to be felt until they are too heavy to be broken. Warren Buffett
• Debt is the slavery of the free. Publilius Syrus
• Wars in old times were made to get slaves. The modern implement of imposing slavery is debt. Ezra Pound
• Every time you borrow money, you’re robbing your future self. Nathan W. Morris
• Slavery

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Harness the power of focus and commitment

• If you have little money and you want to be rich, you must first be ‘focused,’ not ‘balanced.’ If you look at anyone successful, at the start they were not balanced. Balanced people go nowhere. They stay in one spot. To make progress, you must first go unbalanced. Just look at how you make progress walking. Robert Kiyosaki
• The first thing I did was commit to my success and playing to win. I swore I would focus and not even consider leaving this business until I was a millionaire or more. This was radically different from my previous efforts, where, because I always thought short-term, I would constantly get side-tracked by either good opportunities or when things got tough. T. Harv Eker
• Rich people are committed to being rich. Poor people want to be rich. T. Harv Eker
• Priorities lead to prosperity. Michelle Singletary
• The way to become rich is to put all your eggs in one basket and then watch that basket. Andrew Carnegie
• Focus,  Commitment

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Be prepared to work hard

• People who never do any more than they get paid for never get paid for any more than they do. Albert Hubbard
• The way to wealth is as plain as the way to market. It depends chiefly on two words, industry and frugality; that is, waste neither time nor money, but make the best use of both. Without industry and frugality, nothing will do; with them, everything. Benjamin Franklin
• Lazy hands make a man poor, but diligent hands bring wealth. Proverbs 10:4
• Nobody becomes a millionaire without a lot of hard work. Melvin Eddison
• Money grows on the tree of persistence. Japanese Proverb
• Hard work,  Diligence

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Think about starting your own business

• There is only one way to make a great deal of money; and that is in a business of your own. J. Paul Getty
• The number one guideline to success is you must be in business for yourself. When you work for someone else, you sell your time at wholesale to your employer, who then re-sells it at retail to the customer. Paul Getty

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Find ways to minimise taxes

• Average Americans today work five to six months for the government just to cover their taxes. Robert Kiyosaki
• …most people work from January to May just for the government. Robert Kiyosaki
• A corporation can do many things that an employee cannot, like pay expenses before paying taxes. That is a whole area of expertise that is very exciting. Employees earn and get taxed, and they try to live on what is left. A corporation earns, spends everything it can, and is taxed on anything that is left. It’s one of the biggest legal tax loopholes that the rich use. They’re easy to set up and are not expensive if you own investments that are producing good cashflow. Robert Kiyosaki

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An exercise to try

• Choose just one positive money emotion—the one that feels the most vital and exciting to you—and think of one action you can take in each of the money areas below that will help you feel that way: 1. How you spend money. 2.  How you save money.   How you give money.  4.  How you receive money.  5.  How you manage money.  For example, if the feeling you want the most around money is gratitude, what can you do when spending your money to feel grateful? Is it keeping a gratitude journal for the things you buy, or being extra polite to sales clerks, or saying a quiet “thanks for the ability to pay my bills” when you’re writing a check to the electric company?  Danielle LaPorte

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More ideas

• Release past financial mistakes that you’ve made so that you can move on and make better decisions in the future.
• Create a list of 100 things that you can do to simplify your life so that you can cut down on expenses.
• Calculate how much it’s going to cost to achieve your life goals and come up with a plan of how you’re going to get the money.

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• A man’s treatment of money is the most decisive test of his character – how he makes it and how he spends it. James Moffatt
• Money is always on its way somewhere. What you do with it while it is in your keeping and the direction you send it in say much about you. Your treatment of and respect for money, how you make it, and how you spend it, reflect your character. Gary Ryan Blair
• The real measure of your wealth is how much you’d be worth if you lost all your money.
• If you want to know what a man is really like, take notice of how he acts when he loses money. Simone Weil
• 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
• Don’t tell me what you value, show me your budget, and I’ll tell you what you value. Joe Biden
• Money will only make you more of what you already are.   Harv Eker
• Money doesn’t change men, it merely unmasks them. If a man is naturally selfish or arrogant or greedy, the money brings that out, that’s all. Henry Ford
• A man is usually more careful of his money than he is of his principles. Ralph Waldo Emerson
• When a fellow says it ain’t the money but the principle of the thing, it’s the money. Artemus Ward
• He that is of the opinion money will do everything may well be suspected of doing everything for money.  Benjamin Franklin
• Money is the barometer of a society’s virtue. Ayn Rand
• Character,  Principles,  Values

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On a light note – money and happiness

• All I ask is the chance to prove that money can’t make me happy. Spike Milligan
• I don’t like money actually, but it quiets the nerves. Joe E. Lewis
• It frees you from doing things you dislike. Since I dislike doing nearly everything, money is handy. Groucho Marx
• Money can’t buy happiness – that’s why we have credit cards.
• Money can’t buy happiness, but it can buy a huge yacht that sails right next to it. David Lee Roth
• Money can’t buy happiness, but it can buy you the kind of misery you prefer.
• Money can’t buy happiness, but it can make you awfully comfortable while you’re being miserable.  Clare Boothe Luce
• Money can’t buy happiness, but neither can poverty. Leo Rosten
• Money can’t buy happiness; it can, however, rent it.
• Money can’t buy you happiness, but it does bring you a more pleasant form of misery. Spike Milligan
• Money doesn’t bring happiness, though it has been known to cause an occasional smile. Herb True
• Money doesn’t buy happiness but it allows you to rent it by the hour.
• Money doesn’t make you happy. I now have $50 million but I was just as happy when I had only $48 million. Arnold Schwarzenegger
• Money frees you from doing things you dislike. Since I dislike doing everything, money is handy. Groucho Marx
• Money won’t buy happiness, but it will pay the salaries of a large research staff to study the problem. Bill Vaughan
• Money won’t make you happy… but everybody wants to find out for themselves. Zig Ziglar
• Money, if it does not bring you happiness, will at least help you be miserable in comfort. Helen Gurley Brown
• Money, it turned out, was exactly like sex, you thought of nothing else if you didn’t have it and thought of other things if you did. James Baldwin
• They say it is better to be poor and happy than rich and miserable, but how about a compromise like moderately rich and just moody? Princess Diana
• What’s the use of happiness? It can’t buy you money.  Henry Youngman
• Whoever said money can’t buy happiness didn’t know where to shop.  Gertrude Stein
• Whoever said money can’t buy happiness simply didn’t know where to go shopping.  Bo Derek

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On a light note – advice

• Money is like manure. You have to spread it around or it smells. J. Paul Getty
• Put not your trust in money but put your money in trust.  Oliver Wendell Holmes
• The safest way to double your money is to fold it over and put it in your pocket. Kin Hubbard
• Money talks; the secret is to hold it long enough to hear what is says. P.G
• Formula for success: rise early, work hard, strike oil.   Paul Getty

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On a light note – budgets

• Budget: a mathematical confirmation of your suspicions. A. Latimer
• Budget: A method for going broke methodically
• A budget tells us what we can’t afford, but doesn’t keep us from buying it.  William Feather
• Some couples go over their budgets very carefully every month; others just go over them. Sally Poplin

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On a light note – in praise of money

• Money is much more exciting than anything it buys. Mignon McLaughlin
• Money isn’t everything, but it sure keeps you in touch with your children. Paul Getty
• When I was young I thought that money was the most important thing in life; now that I am old I know that it is. Oscar Wilde
• Money is not the most important thing in the world. Love is. Fortunately, I love money. Jackie Mason
• Money is the best deodorant. Elizabeth Taylor
• It pays to get rich. Ashleigh Brilliant
• Money couldn’t buy friends, but you got a better class of enemy. Spike Milligan
• Money is better than poverty, if only for financial reasons. Woody Allen
• We live by the Golden Rule. Those who have the gold make the rules.  Buzzie Bavasi

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On a light note – not having enough

• I finally know what distinguishes man from the other beasts: financial worries. Jules Renard
• I have enough money to last me the rest of my life, unless I buy something. Jackie Mason
• I just need enough to tide me over until I need more. Bill Hoest
• I started out with nothing. I still have most of it. Michael Davis
• If you think nobody cares if you’re alive, try missing a couple of car payments. Earl Wilson
• I’m so poor I can’t even pay attention. Ron Kittle
• I’m living so far beyond my income that we may almost be said to be living apart. e e cummings
• I’ve got all the money I’ll ever need, if I die by four o’clock. Henny Youngman
• My problem lies in reconciling my gross habits with my net income. Errol Flynn

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On a light note – spending

• Someone stole all my credit cards, but I won’t be reporting it. The thief spends less than my wife did. Henry Youngman‎
• Part of the $10 million I spent on gambling, part on booze and part on women. The rest I spent foolishly. George Best
• To many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like. Will Smith
• Anyone who lives within their means suffers from a lack of imagination.  Oscar Wilde
• I spent a lot of money on booze, birds and fast cars. The rest I squandered. George Best

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On a light note – saving

• Save a little money each month and at the end of the year you’ll be surprised at how little you have. Ernest Haskins
• In the old days a man who saved money was a miser; nowadays he’s a wonder.
• Saving is a very fine thing. Especially when your parents have done it for you. Winston Churchill

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On a light note – borrowing

• A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain.  Robert Frost
• A bank is an institution where you can borrow money if you can provide sufficient evidence to show you don’t need it.  Joe Lewis
• If you would know the value of money, go and try to borrow some.  Benjamin Franklin
• In order to get a loan you must first prove you don’t need it. Murphy’s Law
• Always borrow money from a pessimist, he doesn’t expect to be paid back.
• If you owe the bank $100 that’s your problem. If you owe the bank $100 million, that’s the bank’s problem. Paul Getty
• This would be a much better world if more married couples were as deeply in love as they are in debt. Earl Wilson

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On a light note – economics

• A study of economics usually reveals that the best time to buy anything is last year. Marty Allen
• If all the economists were laid end to end, they’d never reach a conclusion. George Bernard Shaw
• The economy depends about as much on economists as the weather does on weather forecasters. Jean- Paul Kauffmann
• Economists report that a college education adds many thousands of dollars to a man’s lifetime income – which he then spends sending his son to college. Bill Vaughan

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On a light note

• I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of socks. Got a fur sink. An electric dog polisher. A gasoline powered turtleneck sweater. And, of course, I bought some dumb stuff, too. Steve Martin
• I made my money the old-fashioned way. I was very nice to a wealthy relative right before he died. Malcolm Forbes
• Bankruptcy is a legal proceeding whereby you put your money in your trouser pockets and give your jacket to your creditors. Joey Adams
• Business is taking a pile of cash, doing something with it, and winding up with a bigger pile of cash. Leonard P. Shaykin
• Every day I get up and look through the Forbes list of the richest people in America. If I’m not there, I go to work. Robert Orben
• Finance is the art of passing currency from hand to hand until it finally disappears.” – Robert W. Sarnoff
• I believe in the Golden Rule — The Man with the Gold . . . Rules. Laurence Tureaud
• It is better to have a permanent income than to be fascinating. Oscar Wilde
• The easiest way for your children to learn about money is for you not to have any. Katharine Whitehorn
• I can’t afford to die; I’d lose a fortune. George Burns
• If women didn’t exist, all the money in the world would have no meaning. Aristotle Onassis
• If you marry for money, you will surely earn it.  Ezra Bowen
• Intaxication: Euphoria at getting a refund from the IRS, which lasts until you realize it was your money to start with.
• It is the wretchedness of being rich that you have to live with rich people.  Logan Pearsall Smith
• Many speak the truth when they say that they despise riches, but they mean the riches possessed by others. Charles Caleb Colton
• Money is just the poor man’s credit card. Marshall McLuhan
• Money never made a fool of anybody; it only shows them up. Elbert Hubbard
• Never call an accountant a credit to his profession; a good accountant is a debit to his profession. Charles J.C. Lyall
• When a fellow says it hain’t the money but the principle of the thing, it’s the money. Frank McKinney
• When a person with money meets a person with experience, the person with the experience winds up with the money and the person with the money winds up with the experience. Harvey MacKay
• If you want to know what God thinks about money, just look at the people He gives it to. Dorothy Parker
• Cocaine is God’s way of saying you’re making too much money. Robin Williams
• Someday I want to be rich. Some people get so rich they lose all respect for humanity. That’s how rich I want to be. Rita Rudner
• Nowadays people can be divided into three classes – the Haves, the Have-Nots, and the Have- Not- Paid- For- What-  They- Haves.  Earl Wilson
• If all the rich people in the world divided up their money among themselves, there wouldn’t be enough to go around. Christina Stead
• When a man tells you that he got rich through hard work, ask him, ‘whose?’ Don Marquis
• The advantage of a classical education is that it enables you to despise the wealth that it prevents you from achieving. Russell Green
• Wealth: Any income that is at least one hundred dollars more a year than the income of one’s wife’s sister’s husband. L. Mencken
• A rich man is nothing but a poor man with money. C. Fields
• When you don’t have any money, the problem is food. When you have money, it’s sex. When you have both, it’s health. If everything is simply jake, then you’re frightened of death. P. Donleavy