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.

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.

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

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.

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.

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

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.

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.

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.

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

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

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

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

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.

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

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.

Money for me today does not really matter.

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

If a person gets his attitude toward money straight, it will help straighten out almost every other area in his life.

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

A man in debt is so far a slave.

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

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

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

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

I saw a bank that said ’24 Hour Banking‘, but I don’t have that much time.

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

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.

I think that I know the value of a dollar.

Thrift is of great revenue.

I don’t care about money.

Remember that credit is money.

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

Creditors have better memories than debtors.

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

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

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

There is definitely an addiction to money that I have.

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

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.

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

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.

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.

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

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

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

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 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.

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?

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.

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

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

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

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

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

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

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.

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