When I first starting making money, when I first made my first six-digits, I was – my big thing was I went to put super unleaded in my truck for the first time.

In a budget, how important is art versus music versus athletics versus computer programming? At the end of the day, some of those trade-offs will be made politically.

Tax season always means a deluge of tax advice. Unfortunately, most of it is futile and lightweight.

If a man empties his purse into his head, no one can take it from him.

You can do the same thing with $20 million that you would do with $50 million. So at a certain point in your life and in your career, you realise that it’s not about the money.

If you make any money, the government shoves you in the creek once a year with it in your pockets, and all that don’t get wet you can keep.

It is a way to take people’s wealth from them without having to openly raise taxes. Inflation is the most universal tax of all.

Americans are in a cycle of fear which leads to people not wanting to spend and not wanting to make investments, and that leads to more fear. We’ll break out of it. It takes time.

Being willing to donate the taxpayers‘ money is not the same as being willing to put your own money where your mouth is.

Neither a borrower nor a lender be.

Getting rich is about fun. It’s a game, and you have to treat it that way.

Now, people when I say that look at me and say, ‚What are you talking about, Joe? You’re telling me we have to go spend money to keep from going bankrupt?‘. The answer is yes, that’s what I’m telling you.

I believe – we all pay taxes. I’m happy to pay it, but I hate to have it abused, money wasted, no accountability. That’s going to bother you.

Don’t hold against me that I don’t own – that I don’t own a single stock or bond. Don’t hold it – I have no savings accounts.

I began playing Monopoly for real when I was 26 years old. Today, my wife and I have approximately 1,400 little green houses – each paying us monthly. You do not have to be a rocket scientist or have a Harvard degree to play Monopoly for real.

I always invest my own money in the companies that I create. I don’t believe in the whole thing of just using other people’s money. I don’t think that’s right. I’m not going to ask other people to invest in something if I’m not prepared to do so myself.

Debt is a trap, especially student debt, which is enormous, far larger than credit card debt. It’s a trap for the rest of your life because the laws are designed so that you can’t get out of it. If a business, say, gets in too much debt, it can declare bankruptcy, but individuals can almost never be relieved of student debt through bankruptcy.

It’s time to start thinking differently about money and debt and start the healing process – and the process toward wealth and freedom. ‚Freedom from Bad Debt‘ can get you started.

People who lie to themselves about investing are the same as overweight people who blame their genes for their obesity.

I try to treat all the money I’m making like it’s the last time I’m going to make it.

You know people talk about federal money as if it falls from heaven. You know we thank heaven for it, but it came out of people’s pockets – and I’ve driven all over Washington, D.C., I cannot find the money tree.

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.

Capital as such is not evil; it is its wrong use that is evil. Capital in some form or other will always be needed.

Time is money.

It is not how much one makes but to what purpose one spends.

Millions of Americans and people around the world, especially young people who face intense financial challenges today, haven’t been taught how to take control of their financial future.

My family wasn’t rich, so when it comes to money, I tend to think, ‚Err on the side of caution.‘

I just don’t like mutual funds. I think they’re a rip-off.

Bottom line is, I didn’t return to Apple to make a fortune. I’ve been very lucky in my life and already have one. When I was 25, my net worth was $100 million or so. I decided then that I wasn’t going to let it ruin my life. There’s no way you could ever spend it all, and I don’t view wealth as something that validates my intelligence.

I’d say it’s been my biggest problem all my life… it’s money. It takes a lot of money to make these dreams come true.

You lose your individuality a huge amount when you have no money, and I certainly had that experience.

Watch your finances like a hawk.

If I was a billionaire, I’d be smart with my money.

Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.

At age nine, I got a paper route. Sixty-six papers had to be delivered to sixty-six families every day. I also had to collect thirty cents a week from each customer. I owed the paper twenty cents per customer per week, and got to keep the rest. When I didn’t collect, the balance came out of my profit. My average income was six dollars a week.

On ‚Mystic River,‘ I had to cut my salary and everyone else’s to get it made.

Fuel prices are at the center of our lives. They affect our ability to travel, stay warm, and feed ourselves.

Money is a strange business. People who haven’t got it aim it strongly. People who have are full of troubles.

Nobody can ever make enough money for as many poor relatives as I’ve got. Somebody’s got a sick kid, or somebody needs an operation, somebody ain’t got this, somebody ain’t got that. Or to give the kids all a car when they graduate.

The hardest thing to understand in the world is the income tax.

Every man is a consumer, and ought to be a producer. He is by constitution expensive, and needs to be rich.

What I invest in, while not risky for me, may be too risky for most people.

I think that I know the value of a dollar.

Money is like manure, of very little use except it be spread.

The most important thing for a young man is to establish a credit… a reputation, character.

A penny saved is a penny earned.

Many people aren’t rich because they’re liars.

I’m a cash flow guy. If it doesn’t make me money today, forget about it.

I want to be financially secure by the time I have kids.

Don’t matter how much money you got, there’s only two kinds of people: there’s saved people and there’s lost people.

Without frugality none can be rich, and with it very few would be poor.

In ‚Unfair Advantage: The Power of Financial Education‘ and ‚Why A Students Work for C Students,‘ I reveal the secrets of the wealthy and what schools will never teach you about money.

Remember that credit is money.

Rather go to bed without dinner than to rise in debt.

At my lowest point, I was nearly $700,000 in debt.

If I hadn’t given my money away, I’d have had more than anyone else on the planet.

I spend my money on my props and my creations. I’m an inventor.

If we command our wealth, we shall be rich and free; if our wealth commands us, we are poor indeed.

Of course, to have money is just great because you can do what you think is important to you.

The one thing that offends me the most is when I walk by a bank and see ads trying to convince people to take out second mortgages on their home so they can go on vacation. That’s approaching evil.

Creditors have better memories than debtors.