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.

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

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

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

Creditors have better memories than debtors.

I think that I know the value of a dollar.

Remember that credit is money.

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

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

An example of good debt is the debt on the apartment houses I own. That debt is good only as long as there are tenants to pay my mortgages. If tenants stop paying their rent, my good debt turns into bad debt.

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

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.

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.

Watch your finances like a hawk.

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.

I don’t care about money.

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.

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

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

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.

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

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.

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

Thrift is of great revenue.

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

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.

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.

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’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.

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

A man in debt is so far a slave.

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

A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain.

I sincerely believe… that banking establishments are more dangerous than standing armies.

Before the 1970s, banks were banks. They did what banks were supposed to do in a state capitalist economy: they took unused funds from your bank account, for example, and transferred them to some potentially useful purpose like helping a family buy a home or send a kid to college.

Cannot people realize how large an income is thrift?

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

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.

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.

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.

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

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

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

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

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

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

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

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

Assets put money in your pocket, whether you work or not, and liabilities take money from your pocket.

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.

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.

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

When the bank asks me about my assets, I include my friendship with Regis Philbin.

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

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.

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?

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

Financial freedom is available to those who learn about it and work for it.

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