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Top 10 Money Mindset Quotes to Shift Your Thinking (Commentary Included)

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Our content is free. We sustain the blog through affiliate links. We earn a small commission when you purchase recommended products through our links, without any additional cost to you. Learn More

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Here are some of the best money mindset quotes to keep you going when the going gets stuff. For each quote, I have added my own commentary

Are you struggling when it comes to your finances? If so this article is for you. 

Below, we’ve listed the best money mindset quotes that can shift your thinking and inspire you to be more proactive when it comes to your money.

One of the most important things to have when it comes to creating financial freedom is a positive money mindset. Having a positive money mindset will cause you to think differently about money and ultimately end up creating more of it. 

The problem is that we often don't see our current thinking as part of the problem, and this is what's holding us back from achieving financial freedom. 

The good news is that changing your thinking isn't as difficult as you might believe; in fact, these 10 quotes on the topic are great for shifting your thinking about money.

Top 10 Money Mindset Quotes

1) More people should learn to tell their dollars where to go instead of asking them where they went. -Roger Babson

It's true: most of us don't have any clue what we're doing when it comes to our money.

A lot of us are living paycheck to paycheck, and wondering how we can possibly get out of that cycle.

And some of us are trying to get more aggressive with our financial goals, but every other time we feel like we keep hitting a wall.

The problem is that we've let money master us, instead of the other way around.

We're just reacting to what life throws at us, whether it's a car repair or a trip that sounds too good to pass up. We figure “I'll just deal with it later.” But then we get slammed again and again until we realize that our lives are centered around money—only now, we don't have enough of it.

But what if you could see your financial life as something you can control? Something you can take charge of and make decisions about? 

That changes EVERYTHING. 

Think about it: if you could just see where all your money is going each month—you know, so you can tell your dollars where to go instead of wondering where they went—then you'd be in total control. You'd be able to plan for those things like car repairs and medical bills and even have some for emergencies since, life, as we know it, is pretty unpredictable.

2) “To achieve what 1% of the world’s population has (Financial Freedom), you must be willing to do what only 1% dare to do..hard work and perseverance of highest order.” -Manoj Arora

It's easy to see why people would be attracted to the idea of financial freedom—who wouldn't want to live a life free from worrying about paying the bills? But what most people don't realize is that freedom comes with a price.

What does it cost?

It costs long hours and hard work. It costs sacrifice and determination. It might mean weeks or even months before you see your first dollar on investment.

The world is full of people with big dreams and strong desires, but many never get anywhere. Why? Because they don't have the mindset or motivation to push through when the going gets hard.

But if you're willing to do the work—if you're willing to push through, learn while unlearning, tweaking, and reinventing yourself, then eventually that success has to give way.

That’s when you can become one of the 1% that has achieved financial freedom.

3) The best time to plant a tree was 20 years ago. The second best time to plant a tree is today. - Chinese Proverb

This quote reminds us that even if we've fallen behind, there's still plenty of time to get started.

It’s a perfect illustration of why it's so important to get started on your investments early, even if that money isn't going to make you rich right away.

When you plant a tree, you're investing in something for the future—not for today, or tomorrow, but for 20 years from now when that tree is tall and lush enough to provide shade, fruit, or flowers.

I believe that this quote can help us in one of the areas we all struggle with—money management.

  • The best time to start saving for retirement was 20 years ago. The second best time is today.
  • The best time to invest in your kids' college fund was years ago. The second best time is today.
  • The best time to plan a vacation fund was 20 years ago. The second best time is today.

People often wonder if they're too late, or if it's foolish to even try when they've never been able to save before. 

What if you'd started saving $100 per month when you were 25?

What if you'd started investing when you were 28 or listened to your grandparents' advice, and put your wedding money into a mutual fund instead of buying that dress?

It's easy to look back on our lives and think about all the ways we could have been more frugal and financially savvy, but we can't change the past. What we can do is learn from it and commit to making the best choices possible for the future.

If you haven't done anything yet to secure a brighter financial future for yourself, today is the first step. Now is good a time like any to dive in, before 20 years turn to 40.

4) “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

It's easy to get caught up in the idea that money is what makes you successful. You see it everywhere, right? People with money are constantly portrayed as being powerful and in control of their lives. They have the most opportunities, and if you have money, then you're free to pursue your dreams.

But this quote from Maya Angelou reminds us that money isn't what makes us accomplished—it's the things we love doing. 

When we do the things we love, we do them well. And when we do them well, people notice. That's what matters. That's how you become truly successful.

5) “I knew that if I failed I wouldn’t regret that, but I knew the one thing I might regret is not trying.” -Jeff Bezos

Here, Jeff Bezos captures a very important truth about our relationship with money.

We often focus so much on the “What if I fail?” aspect of taking an entrepreneurial leap that we forget to consider our other options. What if we don’t try? And what if we succeed?

How many people are out there who can honestly say they haven’t had an idea at some point in their lives, but didn’t follow up on it because they feared failure? How many of those ideas could have been world-changing? Or at least changed the course of their lives for the better?

Don’t be one of those people. If you have a vision and you feel like you can make it happen, then do it—no matter how big or small. Even if your idea doesn't work out as expected. Because what's worse than failing is not trying at all. Not giving yourself a shot. Not betting on you.

6) A wise person should have money in their head, but not in their heart. - Jonathan Swift 

This idea that we should have a pragmatic approach to money, but not let it rule our lives—it's something that I think is really important to remember.

Money is important in the world we live in: we need it for basic necessities like food and shelter. It can help us take care of ourselves and our loved ones and support causes that are important to us. It can also buy things that make us happy, whether it's a couch or a designer bag, or tickets to a concert. 

But when we let money rule every decision we make, then our lives and relationships tend to suffer. If you put too much thought into your finances, you risk losing sight of what is most important in life: family, friends, community, health, happiness—and love! 

At the end of the day, money is just paper and numbers on a screen. Don't let those numbers get to you.

7) Every day is a bank account, and time is our currency. No one is rich, no one is poor, we've got 24 hours each. - Christopher Rice

I think this quote beautifully captures the idea that we all have equal opportunities to seize the day and do something amazing. It doesn't matter if you're wealthy or poor—you're given 24 hours every single day, and it's up to you to figure out how to make the most of that time.

Remember that nothing works until you do.

8) “Disneyland is a work of love. We didn’t go into Disneyland just with the idea of making money.” -Walt Disney

I think this statement by Walt Disney is one that a lot of us the entrepreneurs and founders can relate to, but we might not admit it or even see it clearly. 

When you first set out to start a company, the priority is usually the why. The product itself and the people who use it, not the money. We focus on helping people to get the kinds of things they need to take care of themselves and their families. 

But then, as we start to grow, we are met with the challenge of figuring out how to pay our investors back, make more money to meet operational costs, and remain profitable.—and it’s kind of like, whoa. Suddenly you realize that all these decisions you were making from your gut are actually financial decisions now and that money is playing a part in whatever you’re doing.

But I think this quote reminds us that you can still have priorities other than making money—like whether your company is going to be environmentally friendly or if you want employees who share your values about giving back—and those priorities are important too.

It’s okay if making money is your first priority, but there has to be the reason why your company exists in the first place, and you shouldn’t steer far away from it.

Walt reminds us that you can make something you love, and still build a money-making empire out of it.—it doesn't have to be one or the other. And if you're going to pour your heart and soul into a business venture, then it should definitely make you money. 

9) “It’s simple arithmetic: Your income can grow only to the extent that you do.” -T. Harv Eke

The truth is, if you’re not growing, your income won’t either. If you don’t have a money mindset, you may never see your money grow. You’ll be so focused on getting by on as little as possible and making sure you have enough to take care of your family and pay your bills that you won’t think about investing or saving—which are the first steps towards building wealth and achieving financial freedom.

The first step in creating change is recognizing that we need to make a change—and when it comes to our finances, many people simply don’t realize how much of an impact their approach (or lack thereof) has on whether or not they can increase their income.

You could be earning $40 an hour at your current job, and if you take steps to improve yourself and move up in the company, your salary will go up with it! And if you want to make a lot more money than that, start thinking about building wealth from the ground up—investing in a business venture.

10) “Success isn’t supposed to feel comfortable” -Jordan Hoechlin

Success is not supposed to feel comfortable. That's because the discomfort that comes with the hard work and dedication required to succeed will quickly be replaced by comfort when you reap the rewards of your labor.

If you're feeling uncomfortable as you work toward your money goal, it's time to ask yourself: “What would I do if money weren't an issue?”

Because money isn't an issue—not at this point. It only becomes an issue when we let our own insecurities get in the way of our achievements. And we don't do that. We keep going, and we win.

If you're trying to build wealth and improve your financial situation, you have to take risks sometimes. And taking risks isn't comfortable. You might have bad days where you feel like you're blowing all your money, or when everything just seems to go wrong. You might even have to make some tough decisions about what your priorities are and what matters most to you.

But the payoff? It's not only worth it—it makes you stronger and more resilient than ever before.

11) “Fearlessness is not the absence of fear. It’s the mastery of fear. It’s about getting up one more time than we fall down.” -Arianna Huffington

How many times have you heard this quote? It's one of those that gets thrown around a lot and it almost feels like it doesn't even mean anything anymore when you hear it.

It's true, though. It's exactly what you need to do in order to master your money mindset.

It's so easy to get beat yourself up when you're working towards achieving financial freedom. Things do go wrong, but every time your passion is tested, you need to be courageous enough to believe that this is just a setback, not a knockout. 

Wrapping Up

While it may not be possible to control every aspect of money behavior, changing your perspectives, mindset, and beliefs around money is a good place to start.

To be truly successful, you can't just work hard. You need to work smart. And that starts with working on yourself, your resources, and your mindset. If you can take a moment each day to read one of these quotes and apply it in your life, over time they will have a positive impact on your financial success.

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