25 of the Best Money Quotes from Financial Bloggers

Every penny you save is a penny you could use to save or invest to make more money

As much as I love seeing money quotes around the web, it can become pretty exhausting to see the same ones from Ben Franklin, Dave Ramsey, and The Suze Orman Show. Am I right, or am I right? There are an unreal amount of relevant, cool, and interesting financial bloggers out there, and its time we recognized some of the best quotes around. I mean, it’s Philosophy 101 in 2017. Bloggers are the new historians of our generation.

*shields self from the millennial hatred for calling bloggers philosophical geniuses*

Here are the top 25 money quotes compiled from my favorite personal finance bloggers:

If you aren’t ready to majorly overhaul your spending and your money? Tracking is the perfect first step, because all you have to do is record where your money is going. It’s like the money equivalent of counting calories, but still eating the Ben and Jerry’s.”

Desirae Odjick, Half-Banked

Mind the gap. If I can distill personal finance advice into three words: Mind the gapFocus on ramping up your income, while keeping your expenses the same or less. That gap will naturally grow wider and wider.”

Paula Pant, Afford Anything

Not every dollar of ours is meant to build wealth. Every dollar needs a *purpose*, but that purpose will differ depending on our current goals.”

J. Money, Budgets Are Sexy



It’s a much better mental exercise to pretend that all the money you’ll earn in your lifetime is already there, and going to work every day is just the contingency you need to fulfill in order to access it.”

Bridget Casey, Money After Graduation

The most priceless item that all people have is time. The more time you have in life, the more opportunity you have to build your empire of wealth and prosperity. Take advantage of your money earning potential now.”

Bobby, Millennial Money Man

For all those people who are mired in debt like I am, don’t be ashamed. It’s part of your story. Your journey. Your legacy. Your triumph. It’s ok that we’re not perfect. It’s ok to be human and make mistakes. It makes you more real.”

Melanie Lockert, Dear Debt

A side-hustle can help you reach your financial goals faster and fuel your entrepreneurial spirit. Do what you love, on the side, and you can strike the perfect balance between entrepreneurship and a steady paycheque.”

Robb Engen, Boomer and Echo

I made the choice to view debt freedom as the “end all, be all”. A little more thought and I would have realized that debt freedom is the beginning of another chapter.”

Andrew Daniels, Family Money Plan

For most people saving money may seem like a low priority. Our brains are usually too tuned in to the instant gratification of spending, but having a money cushion andan emergency fund are an important part of your financial well-being.”

Lauren Bowling, Financial Best Life

It doesn’t matter if you’re looking to lose weight, save more money, or trying to run a business – you have to take the next steps to get to your end game. Analyze your current situation, make your decisions, and move on.”

Barry Choi, Money We Have



Excuses prevent you from living the life you want. You’re giving up before you’ve even begun.”

Michelle Schroeder, Making Sense of Cents

Disrupting the routine of your current spending can help you identify which expenses are truly priorities and which have simply become a matter of habit.”

Stefanie O’Connell

We live in a time where you’re one swipe away from your soulmate or a few clicks away from a great business idea. The reality is that we have all of the opportunities around us to create a great life for ourselves.”

Martin Dasko, Studenomics

Financial health is a privilege that should be afforded to everyone – and it starts with being willing to have the conversation while also recognizing our own background and bias."

Erin Lowry, Broke Millennial

Don’t let your spending prevent you from doing what you want with your life. Rather, let frugality sculpt the life you crave."


Put aside a little money to spend generously on services that will dramatically improve your life. Spend on yourself like you’re going to be the next Oprah. Invest in yourself as if you were the hottest stock on the market."

Emma Lincoln

The point of budgeting is to use your money purposefully so that more of it goes towards the things you care about."

Matt Becker, Mom and Dad Money

You can try to “do it all”, but you’re still limited to 24 hours of time each day. For as much as you might want to give to others – especially during the holidays – you need to take care of yourself too. Say “no” when you need to. It’ll be ok."

Cait Flanders

Not every answer can be a life-hack or a minor personal change: sometimes there has to be a floor. There has to be dignity and health and a future for people who cannot afford it."

Chelsea Fagan, The Financial Diet

When talking about debt is taboo, it keeps people more in debt. Alcoholics Anonymous works because of the support system."

Jim Wang, Wallet Hacks

It’s about the way money makes you feel. Whether you’re scared by it, obsessed with it or believe you’ll never have enough, it’s emotions that drive our finances."

Tay Millam, Freedom From Money

I never want money to dictate what I can and can’t do in life."

Jessica Moorhouse

The benefits of pursuing financial independence are many but being able to handle stressful, unexpected events with ease is one of the most valuable."

Mad Fientist

Here’s a good rule: If the thing you’re considering buying has a special word in the name, you almost certainly don’t need it."

Our Next Life

Every penny you save is a penny you could use to save or invest to make more money."

Robert Farrington, The College Investor

What are some of your favorite money quotes that aren't from the 1800s? Let me know in the comments!