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

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

Money’s important. Everyone cares about money. And when you don’t have money, money becomes the overriding obsession of your life.

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

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

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.

The only question with wealth is, what do you do with it?

I like money, but it’s never been about the money.

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

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.

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

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

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.

Money is like an arm or leg – use it or lose it.

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.

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.

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.

Too many people spend money they haven’t earned to buy things they don’t want to impress people they don’t like.

When I was young, people lived from paycheck to paycheck. Today, it seems like they live from credit card payment to credit card payment.

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

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

A grown man should always carry cash, right? I don’t know who told me, but someone told me that a long time ago, and the biggest turnoff is when a guy doesn’t have cash on him.

A man in debt is so far a slave.

When you think about it, three of our biggest financial decisions in life are made at times of peak emotional excitement: deciding to get married, buying a home, and having kids.

Remember that credit is money.

Of course, to have money is just great because you can do what you think is important to you. I always was a rich person because money’s not related to happiness.

I think that I know the value of a dollar.

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.

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

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

I don’t care about money.

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

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

Many people take no care of their money till they come nearly to the end of it, and others do just the same with their time.

You know, if you are kind of rich, the best thing is that you don’t have to think about money. The best thing you can buy with money is freedom, time. I don’t know how much I earn a year. I have no idea. I don’t know how much I pay in taxes.

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

Thrift is of great revenue.

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

Life is better when people are working, happy, and spending money.

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

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

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.

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.

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 you know how to spend less than you get, you have the philosopher’s stone.

I declared bankruptcy, and that was the worst thing I ever should have done.

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.

I’ve never preached one sermon on money, on just finances. I want to stay away from it.

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.

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

There is definitely an addiction to money that I have.

Watch your finances like a hawk.

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.

Cannot people realize how large an income is thrift?

Creditors have better memories than debtors.

The call for debt cancellation is welcome, but debt does not just go away.

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.

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

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

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