Making strides to be financially well isn’t easy.
This is where I also add ancient wisdom and say, “If it was easy then everyone would be doing it.”
Millennials, on average, rack up about $27,900 in personal debt. Although there is more of an awareness given to debt and a movement encouraging millennials to ditch debt for good, it’s hard to be motivated when you’re in that deep. The truth is that you don’t have to be a statistic! You can get out of debt earlier than you ever dreamed and press forward into a life that is fulfilling.
Thankfully, we all get by with a little help from our friends.
Whether you’re a Millennial looking to pay off 6-figure debt within the next year, striving to live that FI/RE life (Financially Independent/Retire Early), or you’re simply aiming to pay for Christmas in cash this year–these quotes may just be the inspiration you need.
It’s important to acknowledge that paying off debt, building savings, and having money to spare isn’t just for “them”; it’s for you, too! You can do hard things!
Financial peace of mind is entirely attainable and maintainable.
These motivational quotes for millennials will have you examining your personal finance closely and creating financial goals that excite you! There are a few golden quotes in there for those of you that binge watch Netflix.
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Take these 39 motivational quotes and keep them close by for those days that your financial game is lacking. Here are a few ideas:
- Put the 39 quotes in a jar and pick one out a day to guide you.
- Write your favorite ones on post-its and put them where you’ll see them. (I put mine on the refrigerator! Don’t judge.)
- Set each quote as a reminder in your phone for the next month.
- Tape them in a journal that you write in often.
- Ask a friend to keep you accountable by texting one of the 39 quotes to you ever so often.
- Schedule emails with one of the quotes to come into your inbox once a week.
39 Motivational Money Quotes for Millennials
1.“Money won’t create success, the freedom to make it will.” Nelson Mandela
2.“You must gain control over your money or the lack of it will forever control you.” Dave Ramsey
Apply: Make sure you have your personal budget on lockdown. Know every cent coming in and going out. This is where the magic starts.
3. “Yes. Money has been a little tight lately. But, at the end of my life, when I’m sitting on my yacht, am I gonna be thinking about how much money I have? No. I’m going to be thinking about how many friends I have, and my children, and my comedy albums. I mean, I have a yacht, so I obviously did pretty well money wise.” Michael Scott, The Office
4. Do the one thing you think you cannot do. Fail at it. Try again. Do better the second time. The only people who never tumble are those who never mount the high wire. This is your moment. Own it. –Oprah Winfrey
Apply: Write down one area you “failed” in before with your finances. Look at how far you’ve come and the opportunities that the lesson learned has provided!
5. “What would you do if you weren’t afraid?”– Sheryl Sandberg
6.“Don’t think about your errors or failures; otherwise, you’ll never do a thing.” – Bill Murray
Apply: Optimism for the win! It’s important to keep up the momentum and keep moving forward with financial goals.
7.“There are seven days in a week. Someday isn’t one of them.” Jenna Kutcher
8.“Put your life in service to your values rather than putting your time in service to money.” Vicki Robin
Apply: Keep everything aligned with your inner compass. Live from a place of being intentional with your money.
9.“All great achievements are the result of sustained focus over time—all of them.” Gary Keller
10. “Someday” is a disease that will take your dreams to the grave with you.” Timothy Ferriss
Apply: List 5 things you can do TODAY to get the ball rolling on your financial aspirations!
11.A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life. Suze Orman
12. “We chase happiness through material items so deeply, that we sometimes lose ourselves. We lose touch of what truly matters- personal connection, solitude, and chasing our dreams. – Whitney Hansen
Apply: Plug yourself into a hobby you enjoy this week. Take time to be present and imagine how financial freedom can help create more moments like those.
13. “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
14. “As I've said before, money doesn't buy you happiness, but it buys you the Lego kit of happiness. It buys you comfort, security, and options, even if you still have to build your happiness on top of it.” -Chelsea Fagan
Apply: Set reminders on your phone at the same time every day to prompt you to think of your “why”!
15. “Don’t hide from your debt or your spending.” Kumiko Love
16. “Money is not an end in itself. It is merely a tool to help us achieve some particular goal. If the way we handle our money conflicts with our personal values, we are not going to wind up living happy and fulfilled lives.” -David Bach
Apply: Set helpful money tools in place to achieve your goals. Search for helpful apps or Facebook groups to keep you on track.
17. No wealth can ever make a bad man at peace with himself.” – Plato
18. “Done is better than perfect.” – Mark Zuckerberg
Apply: Start somewhere. If you’re looking to start a business or a side hustle then do one thing right now to begin the process.
19. “Good things happen to those who hustle.” – Anais Nin
20.“You don’t learn to walk by following rules. You learn by doing, and by falling over.” Richard Branson
Apply: Check out a podcast this week that inspires you in your financial journey.
21. “You can’t have a million-dollar dream with a minimum-wage work ethic.” Stephen C. Hogan
22. “Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” – Joe Biden
Apply: Make a list of your biggest expenditures. Do your values align with those big-ticket expenses?
23. “Fortune sides with him who dares.” — Virgil
24.“Stop making debt and going broke and calling that ‘living'. That's not living, it's lying.” -Michelle Walker-Wade
Apply: Be honest with yourself. Is the life you’re portraying and the life you’re living the same?
25.“What you lack in talent can be made up with desire, hustle and giving 110% all the time.” -Don Zimmer
26. “I want the peace in knowing that is wasn’t for lack of hustling that I missed a target for my dream. I want to know that the one thing in my control was under control.” -Jon Acuff
Apply: Be bold! Set out to start one side hustle this month.
27. “I never dreamed about success. I worked for it.” –Estee Lauder
28. “Sometimes, you’ve got to work a little, so you can ball a lot.” –Tom Haverford, Parks and Rec
Apply: Watch your favorite TV show and make it a point to notice how your favorite characters handle their money. How are you alike?
29.“Talent is cheaper than table salt. What separates the talented individual from the successful one is a lot of hard work.” – Stephen King
30.“Some people want it to happen, some people wish it would happen, others make it happen.” — Michael Jordan
Apply: Challenge yourself to “make it happen”. How can you ask for support from those in your inner circle?
31. “Be encouraged. Stay on your hustle. You can’t fail until you quit.” – Russell Simmons
32. “I don’t have any formula. I just work with my heart, putting in a lot of hard work.” – Ranbir Kapoor
Apply: Are you able to work with your heart at the moment? What is your dream job?
33. He who buys what he does not need, steals from himself. – Swedish Proverb
34. A creditor is worse than a slave-owner; for the master owns only your person, but a creditor owns your dignity, and can command it. — Victor Hugo
Apply: Make a plan of attack this week to tackle your debt. Be specific and set goals with deadlines.
35.His brow is wet with honest sweat,He earns whate’er he can,And looks the whole world in the face,For he owes not any man. — Henry Wadsworth Longfellow
36.“Stop buying things you don’t need, to impress people you don’t even like.” – Suze Orman
Apply: Who are you trying to impress?
37.“When I look at my savings account, I don’t see pounds and pence, I see freedom.” – Merryn Somerset Webb
38. “There are people who have money and people who are rich.” – Coco Chanel
Apply: Do you have a favorite business icon that you look up to? Find a biography about them or listen to a podcast interview with them this month.
39.“Do you want to spend most of your life paying off the interest of a 30-year mortgage and working so you can fill increasingly bigger houses with increasingly more stuff while being stuck in your daily commute in increasingly nicer cars?” -Jacob Lund Fisker
Key Takeaways
Motivational quotes may be what you need to get you through some days. Challenge yourself to read these often and to find new quotes that speak to your specific financial goals. There’s no wrong way to keep yourself on track!
All of these motivational money quotes for millennials have one thing in common: mindset.
You have to believe that you can create the financial future that you want.
Sure, you may have to hustle really hard for a year…or several, but it will be worth it! Side hustles are called hustles for a reason. It will require sacrifice, but you will come out on the other side of your goal with the weight of the world thrown from your shoulders.
Do you have a favorite quote or have one to add to the list? We want to hear from you!