40+ Financial Freedom Quotes to Inspire

If you’re pursuing true financial independence, it’s essential to find ways to keep yourself inspired to stay on task. Reading financial freedom quotes is a great way to keep your head in the game and focused on a good financial plan.

What is the meaning of financial freedom?

The meaning of financial freedom can vary from person to person, depending upon their goals, best interest, and what makes them happy and comfortable. While the actual number that each person needs in their bank account varies, the achievement of financial security is the same.

To achieve the true definition of financial freedom, you need to use a better plan to get to a point in your finances where money is not a stress point. If something big were to happen, you could handle it financially.

Financial independence means having enough emergency funds, savings accounts, investments, and retirements to live comfortably. It means having economic security and being financially stable enough that if you were to lose your job today, your family would be able to not only survive but thrive.

What are the 7 steps to financial freedom?

If you’re wondering how you can get financial freedom fast, there are several steps you can take to achieve it. The speed of your success will vary, but what’s important is that you remain focused on your money goals. These steps come from Dave Ramsey, a financial guru who helps people get out of debt and use their own power to control their finances through actionable items like creating sinking funds.

1. Step 1: Save $1000 for a beginner emergency fund.
2. Step 2: Pay off all debt using the debt snowball.
3. Step 3: Expand your emergency fund to cover three to six months of expenses.
4. Step 4: Invest 15% of your household income in retirement.
5. Step 5: Start college funds for your children.
6. Step 6: Pay off your mortgage.
7. Step 7: Continue to build wealth and experience life. Use your funds to donate and sponsor your favorite charities.

Inspirational Financial Freedom Quotes

There are lots of great quotes on financial independence, investment, and financial wisdom. Below, I’ve picked brilliant financial quotes to inspire and help you stay the course in your quest for financial freedom.

“Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.”
— Dave Ramsey, Author of The Total Money Makeover

“Believe that you are worthy of financial freedom. Do something you love and then all you ever have to do is be yourself to succeed. If you sell something you love, then you just sell love, not a specific product or service, and that will show.”
— Jen Sincero, Author of You Are a Badass at Making Money: Master the Mindset of Wealth

“At the point the money hits your hands, you have the power to determine your financial future.”
— Robert T. Kiyosaki, Author of Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money that the Poor and Middle Class Do Not!

“Residual income is passive income that comes in every month whether you show up or not. It’s when you no longer get paid on your personal efforts alone, but you get paid on the efforts of hundreds or even thousands of others and on the efforts of your money! It’s one of the keys to financial freedom and time freedom.”
— Steve Fisher, Author of Residual Millionaire

“Financial fitness is not pipe dream or a state of mind it’s a reality if you are willing to pursue it and embrace it.”
— Will Robinson

“When you understand that your self-worth is not determined by your net-worth, then you’ll have financial freedom.”
— Suze Orman, Author of Women & Money

“Real wealth is not about money. It’s not having to go to meetings, not having to spend time with jerks, not being locked into status games, not feeling like you have to say ‘yes,’ not worrying about others claiming your time and energy. Real wealth is about freedom.”
— James Clear, Author of Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones

“More important than the how we achieve financial freedom, is the why. Find your reasons why you want to be free and wealthy.”
— Robert T. Kiyosaki, Author of Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money that the Poor and Middle Class Do Not!

“To become financially independent you must turn part of your income into capital; turn capital into enterprise; enterprise into profit; turn profit into investment; and turn investment into financial independence.”
— Jim Rohn, Author of The Keys to Success

“A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.”
— Suze Orman, Author of The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Stop Worrying

“Financial freedom is not a certain amount of money sitting in your bank account—it is when your passive income (earnings made by doing essentially no work) exceeds your expenses.”
— Austin Netzley, Author of Make Money, Live Wealthy: 75 Successful Entrepreneurs Share the 10 Simple Steps to True Wealth: Learn How to Invest, Be an Entrepreneur & Build Massive Wealth

“The key to fast-tracking financial freedom is to make and invest as much money as early and frequently as you can.”
— Grant Sabatier, Author of Financial Freedom: A Proven Path to All the Money You Will Ever Need

“What matters is that you master money and it doesn’t master you. Then you are free to live life on your own terms.”
— Tony Robbins, Author of MONEY Master the Game: 7 Simple Steps to Financial Freedom

“Financial independence is about having more choices.”
— Robert T. Kiyosaki, Author of Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money that the Poor and Middle Class Do Not!

“Remember to remember your power – everything you’ve learned with these steps to financial freedom – and put it all into practice everyday, because in the grand scheme of life, you’ll never really know how things are meant to turn out until they turn out.”
— Suze Orman, Author of The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Stop Worrying

“To achieve what 1% of the worlds population has (Financial Freedom), you must be willing to do what only 1% dare to do..hard work and perseverance of highest order.”
― Manoj Arora, From the Rat Race to Financial Freedom

“Financial stability is much more about doing the best with what you have and not about achieving a certain level of income.”
― Erik Wecks, Author of How to Manage Your Money When You Don’t Have Any

“You will never know true freedom until you achieve financial freedom.”
— Robert T. Kiyosaki, Author of Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money that the Poor and Middle Class Do Not!

“The more your money works for you, the less you have to work for money.”
― Idowu Koyenikan, Author of Wealth for All: Living a Life of Success at the Edge of Your Ability

“Money comes with a price, and for me, the price is both freedom and a real life.”
― Savi Sharma, Everyone Has A Story

“The key to financial freedom and great wealth is a person’s ability to convert earned income into passive and/or portfolio income.”
— Robert T. Kiyosaki, Author of Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money that the Poor and Middle Class Do Not!

“If you will live like no one else, later you can live like no one else.”
— Dave Ramsey, Author of The Total Money Makeover

Financial Wisdom Quotes

Some of my favorite financial freedom quotes talk about learning to be patient. Being financially smart is about thinking long term and knowing that achieving your goals can take time.

“The secret to getting ahead is getting started.”
— Mark Twain

“It’s easier to accumulate wealth if you don’t live in a high-status neighborhood.”
Thomas J. Stanley
The Millionaire Next Door: The Surprising Secrets of America’s Wealthy

“The first step towards getting somewhere is to decide that you are not going to stay where you are.”
J.P. Morgan

“Some of us just accept debt as a part of adult life and trod on, shackled by consequences we don’t fully understand.”
— Vicki Robin, Author of Your Money or Your Life

“That man is richest whose pleasures are cheapest.”
— Henry David Thoreau

“I’ve found that the less stuff I own, the less my stuff owns me.”
― Nathan W. Morris, Author of Your 33 Day Money Action Plan: How to Get Out of Debt, Save Money, Discover Financial Peace, and Revolutionize Your View of Money Forever

“You can be rich by having more than you need, or by needing less than you have.”
— Tony Robbins, Author of MONEY Master the Game: 7 Simple Steps to Financial Freedom

“Just as in other aspects of your life, setting financial goals is a tried-and-true way to reach those goals.”
― Oscar Auliq-Ice

“Wealth isn’t what you earn, it’s what you KEEP.”
― Todd Havens, Understand Money: Your First Step to Financial Freedom (And Not Eating Cat Food in Retirement)

“Focusing only on the short term puts us in a position to make bad choices. We ignore all other factors that lead to the overall value of the loan in order to achieve that one singular goal now—whether the goal is a lower payment, a lower interest rate, or a dream home. In the long term, this always proves to be costly.”
― Dale Vermillion, Navigating the Mortgage Maze: The Simple Truth About Financing Your Home

“Failure to plan your finances is the doorway to mediocre living.”
― Sujit Lalwani

“I try not to borrow, first you borrow then you beg.”
― Ernest Hemingway

“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people that they don’t like.”
― Will Rogers

“When defeat comes, accept it as a signal that your plans are not sound, rebuild those plans, and set sail once more toward your coveted goal.”
― Napoleon Hill, Author of Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“The man who damns money has obtained it dishonorably; the man who respects it has earned it.”
― Ayn Rand, Author of Atlas Shrugged

“Every time you borrow money, you’re robbing your future self.”
― Nathan W. Morris, Author of Your 33 Day Money Action Plan: How to Get Out of Debt, Save Money, Discover Financial Peace, and Revolutionize Your View of Money Forever

“Stop making debt and going broke and calling that ‘living’. That’s not living, it’s lying.”
― Michelle Walker-Wade

“Debt is a dream killer.”
― Kerry Hannon, Great Jobs for Everyone 50+, Updated Edition: Finding Work That Keeps You Happy and Healthy…and Pays the Bills

“If you’re saving, you’re succeeding.”
― Steve Burkholder, Author of I Want More Pizza: Real World Money Skills for High School, College and Beyond

“Work hard at your job and you can make a living. Work hard on yourself and you can make a fortune.”
— Jim Rohn, Author of The Keys to Success

Investment Quotes

Last but not least, we have some great investment quotes. While I normally don’t talk about investments much, I thought these were great financial freedom quotes worth sharing:

“Whenever we spend money instead of investing it, we are actually taking from ourselves—we are taking both the time we spent to make the money and the future freedom it can buy.”
— Grant Sabatier, Author of Financial Freedom: A Proven Path to All the Money You Will Ever Need

“When you buy a bigger house, another luxury car, or a fancy boat, you are showing people that you used to have money.”
― Christopher Manske, The Prepared Investor: How to Prevent the Next Crisis from Affecting Your Financial Independence

“Never depend on single income.”
― Warren Buffett, Author of Investment Lessons from Warren Buffett

Know any other great financial freedom quotes? Share them in the comments below!

Want even more inspiring financial quotes? Read more on The Top Motivational Quotes on Finances and Money or learn more about how money affirmations can help you build wealth.