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

The effort to try to present the Social Security program as if it’s a major problem, that’s just a hidden way of trying to undermine and destroy it.

Well, I think that California has had a history of always spending more money than it takes in.

Nobody was ever meant, To remember or invent, What he did with every cent.

I believe that thrift is essential to well-ordered living.

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

Every family should have the right to spend their money, after tax, as they wish, and not as the government dictates. Let us extend choice, extend the will to choose and the chance to choose.

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

Social Security’s not the hard one to solve. Medicare, that is the gorilla in the room, and you’ve got to put all of it on the table.

Look at our society. Everyone wants to be thin, but nobody wants to diet. Everyone wants to live long, but few will exercise. Everybody wants money, yet seldom will anyone budget or control their spending.

Bring your desires down to your present means. Increase them only when your increased means permit.

My number one thing? Don’t overleverage yourself. Don’t say you can do something when you really can’t.

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.

I cap myself when I shop; I don’t like to spend extravagant amounts on clothes. But, I do get lent clothes for events, it’s scary to wear something so expensive, but I feel really pampered.

When I was a kid, there were no credit cards. Instead, retailers offered layaway plans. My mom would go to a store, such as a furniture outlet, choose the sofa she wanted, and put it on layaway. That meant she put a little money down to hold the sofa, and every payday she’d pay a little toward the purchase.

There was the time I bought three cars in the span of three or four weeks. It was crazy; it wasn’t greedy. It was mine, my girl’s, my mom’s. I got Benzes for my ladies. But I felt crazy. You have to understand I come from a world where we’re very modest. But that’s not greedy. That’s nice, right?

Measure your wealth by what you’d have left if you lost all your money.

I’m interested in movement, and I’m interested in money, and I’m interested in the movement of money.

People concerned about inflation today tend to buy big houses and nice cars.

Demographics show that we are entering a battle between young and old. I call it the ‚Age War.‘ The young want to hang onto their money to grow their families, businesses, and wealth. The old want the tax and investment dollars of the young to sustain their old age.

We’ve all heard stories of lottery winners, rock stars, heirs and heiresses, and professional athletes becoming millionaire morons who wake up rich but are broke by nightfall.

We’ve got to put a lot of money into changing behavior.

My dad was fiscally conservative, and I was influenced by that. He didn’t believe in spending more than you had because it gets you into trouble.

We might come closer to balancing the Budget if all of us lived closer to the Commandments and the Golden Rule.

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

I have a problem with too much money. I can’t reinvest it fast enough, and because I reinvest it, more money comes in. Yes, the rich do get richer.

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.

A penny saved is two pence clear.

Working hard to earn more money and then giving it away in higher taxes isn’t financially intelligent, even if you do put some of it into a retirement account.

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

I’m a bit like the Queen in that I don’t carry much cash.

Riches don’t make a man rich, they only make him busier.

I mean, I do think at a certain point you’ve made enough money.

If you don’t like the idea that most of the money spent on lottery tickets supports government programs, you should know that most of the earnings from mutual funds support investment advisors‘ and mutual fund managers‘ retirement.

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

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

I find the difference, for me, between having no money and having quite a bit is that the bills get bigger. And that’s it. The lifestyle doesn’t change.

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.

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.

Cannot people realize how large an income is thrift?

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.

Give me five minutes with a person’s checkbook, and I will tell you where their heart is.

First grade is very cheap. It’s the later grades where you have to spend a lot of money if you don’t do it right.

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

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.

‚Credit‘ is another word for trustworthiness.

Bad debt is debt that makes you poorer. I count the mortgage on my home as bad debt, because I’m the one paying on it. Other forms of bad debt are car payments, credit card balances, or other consumer loans.

Invest three percent of your income in yourself (self-development) in order to guarantee your future.

Neither a borrower nor a lender be.

It’s rare for a startup to make money immediately, so you need to make sure that you have enough saved or that you have another income stream that can support you.

The rich continue to get rich the same way they always have – by understanding how money works and making their money work for them.

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

Small debts are like small shot; they are rattling on every side, and can scarcely be escaped without a wound: great debts are like cannon; of loud noise, but little danger.

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.

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

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.

Money often costs too much.

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

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

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

Giving should be entered into in just the same way as investing. Giving is investing.