Below are the top money quotes I have collected since 2011. Reaching financial independence in my 30s is not a common path, so many of these lines may not directly relate to money as much as they relate to choosing your path.

If you have a quote of your own, please share it in the comments below.

Charlie Munger Quotes
“Wisdom acquisition is a moral duty, it’s not something we do just to advance in life.”

“The safest way to try and get what you want, is to try to deserve what you want.”

“First struggle is to get to $100,000. Underspend income grossly to get there quicker.” 

“The first $100,000 is a bitch” 

“Munger has said that accumulating the first $100,000 from a standing start with no seed money, is the most difficult part of building wealth. Making the first million was the next big hurdle. To do that a person must consistently underspend his income. Getting wealthy, he explains, is like rolling a snowball. It helps to start on top of a long hill – start early and try to roll that snowball for a very long time. It helps to live a long life.” – Damn Right!: Behind the Scene with Berkshire Hathaway Billionaire Charlie Munger 

“The hard part of the process for most people is the first $100,000. If you have a standing start at zero, getting together $100,000 is a long struggle for most people. I’d agree that the people who get there relatively quickly are helped if they’re passionate about being rational, very eager and opportunistic, and steadily underspend their income grossly. I think those three factors are very helpful.”

“If you become very reliable and stay that way, it will be very hard to fail in doing anything that you want.”

“‘Compound interest is the eighth wonder of the world.’ (quoting Einstein) Never interrupt it unnecessarily.”

“More important than the will to win is the will to prepare.”

Benjamin Franklin Quotes
“A word to the wise is enough, and many words won’t fill a bushel.”

“The taxes are indeed very heavy, and if those laid on by the government were the only ones we had to pay, we might more easily discharge them; but we have many others, and much more grievous to some of us. We are taxed twice as much by our idleness, three times as much by our pride, and four times as much by our folly, and from these taxes the commissioners cannot ease or deliver us by allowing an abatement.”

“Dost thou love life, then do not squander time, for that’s the stuff life is made of.”

“Drive thy business, let not that drive thee.”

“So what signifies wishing and hoping for better times. We may make these times better if we bestir ourselves.”

“He that lives upon hope will die fasting.”

“Tis true there is much to be done, and perhaps you are weak handed, but stick to it steadily, and you will see great effects, for constant dropping wears away stones…and little strokes fell great oaks.”

“Employ thy time well if thou meanest to gain leisure.”

“He that by the plough would thrive, Himself must either hold or drive.”

“A man may, if he knows not how to save as he gets, keep his nose all his life to the grindstone, and die not worth a groat at last.”

“So much for industry, my friends, and attention to one’s own business; but to these we must add frugality, if we would make our industry more certainly successful.”

“You may think perhaps that a little tea, or a little punch now and then, diet a little more costly, clothes a little finer, and a little entertainment now and then, can be no great Matter; but remember…beware of little expenses; a small leak will sink a great ship…and moreover, fools make Feasts, and wise men eat them.”

“Be frugal and free. At present, perhaps, you may think yourself in thriving circumstances, and that you can bear a little extravagance without injury; but, For age and want, save while you may; No morning sun lasts a whole day”

“Get what you can, and what you get hold; ‘Tis the stone that will turn all your lead into gold. And when you have got the philosopher’s stone, sure you will no longer complain of bad times, or the difficulty of paying taxes.”

“If you would be wealthy…think of saving as well as of getting: the Indies have not made Spain rich, because her outgoes are greater than her incomes.”

“What maintains one vice, would bring up two children. “

“Buy what thou hast no need of, and ere long thou shalt sell thy necessaries.”

“These are not the necessaries of life; they can scarcely be called the conveniences, and yet only because they look pretty, how many want to have them. The artificial wants of mankind thus become more numerous than the natural.”

“If you would know the value of money, go and try to borrow some, for, he that goes a borrowing goes a sorrowing, and indeed so does he that lends to such people, when he goes to get it in again.”

“Pride is as loud a beggar as want, and a great deal more saucy. When you have bought one fine thing you must buy ten more, that your appearance maybe all of a piece; …’tis easier to suppress the first desire than to satisfy all that follow it. And ’tis as truly folly for the poor to ape the rich, as for the frog to swell, in order to equal the ox.”

“Great estates may venture more, But little boats should keep near shore.”

“Of what use is this pride of appearance, for which so much is risked, so much is suffered? It cannot promote health; or ease pain; it makes no increase of merit in the person, it creates envy, it hastens misfortune.”

“Experience keeps a dear school, but fools will learn in no other, and scarce in that, for it is true, we may give advice, but we cannot give conduct.”

“Early to bed, and early to rise, makes a man healthy, wealthy and wise.”

Warren Buffett Quotes
“Inactivity strikes us as intelligent behavior. Neither we nor most business managers would dream of feverishly trading highly-profitable subsidiaries because a small move in the Federal Reserve’s discount rate was predicted or because some Wall Street pundit had reversed his view on the market. Why, then, should we behave differently with our minority positions in wonderful businesses?” – Warren Buffett, 1996 Annual Report of Berkshire Hathaway

“The Chains of habit are too light to be felt until they’re too heavy to be broken.”

“If you improve your communication skills, I will guarantee you that you’ll earn 50% more money over your lifetime.”

John Bogle Quotes
“It would not be imprudent for a highly risk-tolerant young investor (25 years old or so), who is just beginning to invest for retirement, to allocate everything to stocks, provided that the investor had confidence that regular investments could be made through thick and thin.”

“I know that index funds are boring. They aren’t sexy,; they don’t make news; their managers, if never morons, are rarely geniuses; they don’t “beat the market”…Index funds are now “hot,” but that’s a silly reason to invest in them. In it high time to focus not on their short-term performance, but on their principles. It is also time to focus on, not merely index funds, but low-cost index funds. Low cost, broad diversification, and tax efficiency are virtually the only essential merits of this passive management strategy.”

“With risk astonishingly constant, high returns are directly associated with low costs.”

“Never underestimate either the majesty of simplicity or its proven effectiveness as a long-term strategy for productive investing.”

“The data makes clear that, if risk is the chance of failing to earn a real return over the long term, bonds have carried a higher risk than stocks.”

“Bonds are best used as a source of regular income and as a moderating influence on a stock portfolio, not as an alternative to stocks. Remember, the goal of the long-term investor is not to preserve capital in the short-run, but to earn real, inflation-adjusted, long-term returns.”

“Rely on the ordinary virtues that intelligent, balanced human beings have relied on for centuries: common sense, thrift, realistic expectations, patience, and perseverance. In investing, I assure you that those characteristics will, over the long run, be awarded.”

All Other Quotes
“Managing money is not the true business of the money management industry. Rather, it is gathering and retaining assets.”1995 report from Goldman Sachs & Co., entitled “The Continuing Evolution of the Mutual Fund Industry.”

“You can have anything you want, but not everything you want.” – Ray Dalio

“Price is what you pay. Value is what you get” – Ben Graham

“Instead of paying attention to big waves like market timers, you should act like a long-term investor and realize that tides are both predictable and stable…Focus on tides, not waves…Neither tidal waves or tsunamis — no matter how big they be — ever affect the tide. Surfers love the action and excitement created by big waves, and they are willing to risk getting wiped out. But no one would suggest that surfers can impact tides.” – Bill Bachrach

“Make no little plans; they have no magic to stir men’s blood.” – Daniel Burnham

“The map is not the territory” – Alfred Korzybsky

“Wealth is the means, and people are the ends. All our material riches will avail us little if we do not use them to expand the opportunities of our People” – John F. Kennedy

“Whether you think you can or you think you can’t — you’re right.” – Henry Ford

“Don’t look at the scoreboard, play the next play” – Good Wooden

“There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self.” – Ernest Hemingway

“I must be willing to give up what I am in order to become what I will be.” – Albert Einstein

“It is easy in the world to live after the world’s opinion; it is easy in solitude to live after our own; but the great man is he who in the midst of the crowd keeps with perfect sweetness the independence of solitude.” – Ralph Waldo Emerson

“I cried because I had no shoes. Then I met a man who had no feet.” – Saadi Shirazi

“The secret of change is to focus all of your energy, not on fighting the old, but on building the new.” – Socrates

“There is a time in every man’s education when he arrives at the conviction that envy is ignorance; that imitation is suicide; that he must take himself for better, for worse, as his portion; that though the wide universe is full of good, no kernel of nourishing corn can come to him but through his toil bestowed on that ground which is given to him to till. The which resides in him is new in nature, and none but he knows that which he can do, nor does he know until he has tried.” – Ralph Waldo Emerson

“Until one is committed, there is hesitancy, the chance to draw back, always ineffectiveness. Concerning all acts of initiative (and creation), there is one elementary truth that ignorance of which kills countless ideas and splendid plans: that the moment one definitely commits oneself, then Providence moves too. All sorts of things occur to help one that would never otherwise have occurred. A whole stream of events issues from the decision, raising in one’s favor all manner of unforeseen incidents and meetings and material assistance, which no man could have dreamed would have come his way. Whatever you can do, or dream you can do, begin it. Boldness has genius, power, and magic in it. Begin it now.” – William Hutchison Murray

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