50+ money quotes about saving and value to inspire smart financial habits

Main takeaways

💡 Money quotes can inspire better saving habits and smarter financial decisions.

📚 Teaching kids the value of money early builds lifelong financial responsibility.

🗣 Using quotes as discussion starters makes learning about money engaging and relatable.

Ever wondered how a simple quote could change the way you and your child think about money? Some of the greatest minds in history have shared timeless wisdom about wealth, savings, and financial responsibility. But how can these words of wisdom on gratification help shape better money habits?

Read on to discover the most powerful money quotes and how you can use them to teach financial responsibility.

Why do money quotes matter? 🤔

Quotes about money aren’t just words, they reflect the lessons of those who have succeeded in managing wealth and prosperity. They serve as motivation to save, invest, and build financial independence.

Best quotes about money and savings

1. Money quotes on saving 🧐

"Do not save what is left after spending, but spend what is left after saving." - Warren Buffett
"A penny saved is a penny earned." - Benjamin Franklin
"Beware of little expenses; a small leak will sink a great ship." - Benjamin Franklin
"Saving money is the foundation of wealth and prosperity." - Unknown
"To save money is to secure financial freedom." - Unknown

2. Words of wisdom on value and gratification 🤓

"Wealth consists not in having great possessions, but in having few wants." - Epictetus
"The price of anything is the amount of life you exchange for it." - Henry David Thoreau
"Formal education will make you a living; self‑education will make you a fortune" -Jim Rohn
"Short quotes about determining value of case are reminders that money should work for you, not against you." - Unknown
"Financial success is not about making more, but about managing what you have wisely." - Unknown

3. Quotes that talk about value 💵

"It’s not your salary that makes you rich; it’s your spending habits." - Charles Jaffe
"Too many people spend money they haven't earned to buy things they don’t want to impress people they don’t like." - Will Rogers
"Money is a terrible master but an excellent servant." - P.T. Barnum
"Words of wisdom on assets tell us that wealth is built through patience, not impulse." - Unknown
"Value quotes teach us that true wealth is measured by security, not material possessions." - Unknown

4. Inspirational quotes about money 💰

"Formal education will make you a living; self-education will make you a fortune." - Jim Rohn
"Rich people have small TVs and big libraries, and poor people have small libraries and big TVs." - Zig Ziglar
"Do what you love and the money will follow." - Marsha Sinetar
"Money motivation quotes remind us that financial independence is a mindset first." - Unknown
"A money quote a day can keep financial worries away." - Unknown

Get started with Modak

💳 Modak Visa® debit card helps kids practice smart spending and saving with parental oversight¹.

🎯 Gamified challenges let kids earn MBX points that convert to real dollars.

🚶 “Walk to Earn” rewards kids with MBX for reaching daily step goals.

How to teach kids the value of money through quotes

Using these quotes as discussion starters can help parents instill smart money habits in their children. Here are some practical ways to apply these lessons:

Set a savings challenge inspired by Warren Buffett’s advice on prioritizing saving.
Teach children to appreciate what they have rather than always wanting more, following Epictetus’s philosophy.
Encourage kids to think about the "real cost" of an item using Henry David Thoreau’s perspective on exchanging life for money.
Reinforce words of wisdom on sharing your savings by teaching generosity and smart financial planning.

How kids can earn and learn with Modak 🧠

At Modak, we believe that financial literacy should be engaging and rewarding. Modak brings these timeless money lessons to life for kids. With Modak’s gamified daily and weekly challenges, children can practice self-education in financial habits, just like Jim Rohn’s quote suggests, turning small actions into big learning.

By offering a Visa® debit card¹ with no monthly fees⁴, Modak lets kids apply Zig Ziglar’s idea of smart spending while encouraging healthy saving habits and financial responsibility.

Parents can track real transactions, reinforcing the value of learning by doing. In short, Modak provides a hands-on way for kids to earn, save, and manage money while internalizing powerful financial wisdom.

With the Modak app, kids can:

Earn MBX points through gamified financial challenges.
Convert MBX into dollars² to use with their Modak Visa® debit card¹.
Participate in "Walk to Earn", where reaching daily step goals can earn them up to 70 MBX per week.⁽²⁾⁽³⁾

By combining money wisdom with earning opportunities, kids may develop financial responsibility in a fun and practical way.

Answering your money questions 🧐

What is the best quote about money?

"The best investment you can make is in yourself." - Warren Buffett

What are some rich quotes?

"If you want to be rich, think of saving as earning." - Benjamin Franklin
"The way to wealth depends on just two words: industry and frugality." - Benjamin Franklin
"A quote on wealth and prosperity reminds us that success comes from smart choices, not just income." - Unknown

What are 5 inspirational quotes about money?

"Money grows on the tree of persistence." - Japanese Proverb
"Wealth is the ability to fully experience life." - Henry David Thoreau
"Success is not the key to happiness. Happiness is the key to success." - Albert Schweitzer
"Opportunities come infrequently. When it rains gold, put out the bucket, not the thimble." - Warren Buffett
"Being rich is having money; being wealthy is having time." - Margaret Bonnano

What is a money motto?

A money motto is a guiding principle that helps shape financial decisions. A great example is: "Save first, spend later."

Using Modak to teach financial responsibility

Financial wisdom isn’t just about knowing great quotes, it’s about applying them to real-life habits. With Modak, parents can teach their kids the value of money while allowing them to earn, save, and spend responsibly. Start your child’s financial journey today with Modak and let them experience the power of smart money management!

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100 MBX = $1(as of June 2025). This is an approximation and not a guaranteed result. For more information on MBX, click here for more information on MBX‍
Walking 5,000 steps a day gives users 10MBX (as of June 2024). This is subject to change at Modak’s discretion
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