Top Financial Freedom Quotes To Inspire You - Carreira FI

Top 15 Financial Freedom Quotes To Inspire You

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There are no better ways to get inspired and keep your motivation high than to read financial freedom quotes.

It doesn’t matter how much money you need to reach financial freedom as long as you have a plan and you stay motivated on your journey.

I like to read these 15 financial freedom quotes every month to remind me why I am on this amazing journey.

Best Financial Quotes By - Carreira FI

The Banker And The Fisherman Story

Before jumping into the financial freedom quotes, let me tell you about the banker and the fisherman story.

It is an excellent example of what financial freedom is and how to figure out what makes you happy in life.

Catching Fish

John, an investment banker, decided to take a few days off in a small coastal village. The next morning, he saw Roger, a fisherman, and his small boat with a few fish inside.

John asked Roger how long did it take to catch these few fish.

Roger replied that it took him two hours and a half to catch those fish. John then asked why didn’t he stay out longer to get some more.

Roger said that he had enough to feed his family for the next couple of days, so he didn’t need to stay out any longer.

John was surprised by this answer. Then he asked what did Roger do with the rest of his time.

Roger said that he sleeps late, plays with his children, takes naps with his wife, goes to the village each evening to sip some wine, and plays guitar with his friends. He added that he had a full and busy life.

Time Is Money

John explained to Roger that he could make more money if he were to stay out at sea a little longer to catch more fish.

That way, he could sell the extra fish on the market and use the proceeds to buy a bigger boat. With a bigger boat, he could catch more fish and employ other fisherman.

Then, Roger could buy several boats and eventually control a fleet of fishing boats.

Roger looked at John and asked how long would it take for him to achieve that. John replied that it would take 10 to 15 years. Roger asked what he would do then.

Reaching Financial Freedom

John said that the best part was that he could sell his fishing company and become rich. Roger retorted what would it do with all this money.

John explained that he could retire, move to a small coastal village where he would sleep late, play with his kids, take naps with his wife, go to the village each evening to sip some wine, and play guitar with his friends.

Top 15 Financial Freedom Quotes To Inspire You

Now, it is time to go over why I selected each of these great financial freedom quotes and how they can help you achieve your financial goals.

Quotes About Financial Freedom And Time

1. “Being rich is having money; being wealthy is having time.” — Margaret Bonnano

2. “Wealth is the ability to fully experience life.” — Henry David Thoreau

3. “My favorite things in life don’t cost any money. It’s really clear that the most precious resource we all have is time.” — Steve Jobs

No matter where you live on Earth, time is one of the only metrics we all agree on. That is no coincidence.

Our perception of time might change depending on the tasks we are doing, but remember that we all have the same amount of hours in a day.

We all heard about the “money won’t make you happy” quote. When I first heard it, I thought that it applied to only rich people.

However, when you ask people what things make them happy, money comes out rarely. They will talk about their passion, their family, and the time that they spend together.

It is kind of contradictory because most people work night and day to make more money. And what do they do with this extra money? They increase their lifestyle because they want the things that their neighbors have.

So, they have to keep working more to make more. The only thing they compromise is spending time with their family.

It is no surprise that the best advice someone could give is to manage our time well. At the end of the day, time is what matters. Not the amount of money that you spend.

Quotes On Financial Freedom And Money

4. “Money is something we choose to trade our life energy for.” — Vicki Robin, author of Your Money Or Your Life

5. “You must gain control over your money or the lack of it will forever control you.” — Dave Ramsey, author of The Total Money Makeover

6. “The goal isn’t more money. The goal is living life on your terms.” — Chris Brogan

We often see money as the goal to reach financial freedom. However, if we want to achieve this goal, we need to change our perception of money.

Money is just a tool, among others, that will allow us to achieve our financial goals. It is not the other way around.

The first step to making great progress towards financial freedom is to redefine what money is. Money is just a way to exchange goods.

When we think about it, financial freedom is doing whatever you want whenever you want without having to work to pay for your monthly expenses.

So, in this case, saving money will buy you time when you are financially free.

Priority And Financial Freedom Quotes

7. “Millions wish for financial freedom, but only those that make it a priority have millions.” — Oscar Auliq-Ice

8. “Financial freedom is available to all those who learn about it and work for it.”Robert Kiyosaki, author of Rich Dad Poor Dad

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

It is impossible to get everything we want, so we have to make trade-offs and prioritize.

It is the case for your finances, your work, your hobbies, your health, and literally everything in life. There is no secret you have to prioritize.

The first thing to do is to write down everything you want to do in life. Next, for each task, add an importance score to it.

Then, rank your tasks by importance score and adjust a few scores if necessary.

Finally, write down why you want to achieve these tasks, how you want to achieve them, and how to keep track of your progress.

Life is full of surprises, so don’t forget to review this list regularly as you will most likely have to reprioritize.

Quotes On Financial Freedom And Investing

10. “Don’t look for the needle in the haystack. Just buy the haystack.”John Bogle

11. “Money is a terrible master but an excellent servant.” — PT Barnum

12. “Someone is sitting in the shade today because someone planted a tree a long time ago.”Warren Buffett

If you want to reach financial freedom, you need to invest your money. But do you invest in value stocks, growth stocks, dividend stocks, or bitcoin?

We often associate with the 4% rule to financial freedom. It is simple to understand. If you can withdraw 4% of your investments per year to cover your expenses, you are financially free.

How much money do you need to invest to withdraw only 4%? That is a fair question to ask. You can find out how much by multiplying your annual expenses by 25.

For example, if you spend $50,000 per year, you will need to invest $1,250,000 (= $50,000 * 25).

The last three financial freedom quotes tell us to diversify our investments and invest for the long term to reduce the impact of volatility.

Mutual funds and ETFs (exchange-traded funds) are a great choice to diversify your investments.

That way, you can invest in hundreds to thousands of different companies at once and for cheaper than if you were to invest in all of them individually.

The dollar-cost averaging method is perfect to invest long-term. It is the same method you use to invest in your retirement account.

Every time you get a paycheck, a small amount of money is directly invested in your 401k plan. Similarly, you can transfer money to your brokerage every time you get paid.

Quotes About Financial Freedom And Fear

13. “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

14. “Financial freedom is freedom from fear.”Robert Kiyosaki

15. “It is not the man who has too little, but the man who craves more, that is poor.”Seneca

Fear can control every aspect of your life if you let it. But the good news is that fear only lives in our minds. Even if it is not an easy task to do, we have to face our fears.

Unfortunately, personal finance is not immune to fear. It can be scary to know your financial freedom number. You might even think that there is no way for you to save that much money.

However, everything is possible, but it doesn’t mean it is easy. If you want to reach financial freedom, you have to change the way you manage your money.

A lot of people are not ready to do what they need to do to achieve their financial goals. But with a little help, it is possible to make your fears disappear.

Always remember that you are not alone!

Top Financial Freedom Quotes - Carreira FI
Financial Freedom Quotes To Inspire You - Carreira FI


In conclusion, reaching financial freedom is a long-term goal. There is no easy way to achieve it, so don’t fall for get-rich-quick schemes that sell magic solutions because they don’t exist.

It takes time, planning, motivation, and hard work to achieve any of your long-term goals. Thus, this one is no exception!

If you need a financial coach to keep your motivation high and keep track of your progress towards this amazing milestone, just send me a message. I will be happy to help.

If you felt inspired by these great financial freedom quotes, don’t hesitate to share this article via social media. I would really appreciate it!

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