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240 Famous Quotes About Finance & Money

Last Updated: December 17, 2022 by Team

Are you looking for finance quotes and quotes about money that can inspire you to take charge of your financial life?

While there are thousands of finance, money, and investing quotes, I only chose a small portion of them to keep this simple yet informative. These quotes I like, resonated with me a lot during my financial journey and made me laugh a bit.

Great quotes encapsulate big ideas in a few words. They inspire, motivate, and encourage memorably. Step your money game up with these engaging, inspiring, humorous, and wise quotes.

240 Finance Quotes to Boost Your Money Mindset

Top 10 Finance Quotes

“The greater danger for most of us lies not in setting our aim too high and falling short; but in setting our aim too low, and achieving our mark.” – Michelangelo

“Both poverty and riches are the offspring of thought.” – Napolean Hill

“The best way to predict the future is to create it.” – Abraham Lincoln

“Wealth is like sea-water; the more we drink, the thirstier we become; and the same is true of fame.” – Arthur Schopenhauer

“Fortune befriends the bold.” – Emily Dickinson

“It’s good to have money and the things that money can buy, but it’s good, too, to check up once in a while and make sure that you haven’t lost the things that money can’t buy.” – George Lorimer

“Do the best you can, and don’t take life too serious.” – Will Rogers

“How wonderful it is that nobody need wait a single moment before starting to improve the world.” – Anne Frank

“Here’s to the crazy ones. The misfits. The rebels. The troublemakers. The round pegs in the square holes. The ones who see things differently. They’re not fond of rules. And they have no respect for the status quo. You can quote them, disagree with them, glorify or vilify them. About the only thing you can’t do is ignore them. Because they change things. They push the human race forward. And while some may see them as the crazy ones, we see genius. Because the people who are crazy enough to think they can change the world, are the ones who do.” – Steve Jobs

“Wealth is largely the result of habit.” – John Jacob Astor

If you want to be financially free, you need to become a different person than you are today and let go of whatever has held you back in the past. Robert Kiyosaki

Best Finance Quotes

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“If money is your hope for independence you will never have it. The only real security that a man will have in this world is a reserve of knowledge, experience, and ability.” – Henry Ford

“Money cannot buy peace of mind. It cannot heal ruptured relationships, or build meaning into a life that has none.” – Richard M. DeVos

“You can’t build a reputation on what you’re going to do.” – Confucius

“If you want to live a happy life, tie it to a goal, not to people or things.” – Albert Einstein

“Stay committed to your decisions, but stay flexible in your approach.” – Tony Robbins

“Success is walking from failure to failure with no loss of enthusiasm.” – Winston Churchill

“Passion is the genesis of genius.” – Tony Robbins

“No wealth can ever make a bad man at peace with himself.” – Plato

“Unless commitment is made, there are only promises and hopes; but no plans.” – Peter F. Drucker

“Reject the basic assumptions of civilization, especially the importance of material possessions.” – Chuck Palahniuk

“You can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something – your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.” – Steve Jobs

“Success isn’t measured by money or power or social rank. Success is measured by your discipline and inner peace.” – Mike Ditka

“An investment in knowledge pays the best interest.” – Benjamin Franklin

“You can only become truly accomplished at something you love. Don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you.” – Maya Angelou

“Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.” – William A. Ward

“Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do.” – Steve Jobs

“Let him who would enjoy a good future waste none of his present.” – Roger Babson

“Always plan ahead: it wasn’t raining when Noah built the ark.” – Richard Cushing

“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Josh Billings

“I’m a great believer in luck, and I find the harder I work the more I have of it.” – Thomas Jefferson

“Never get so busy making a living that you forget to make a life.” – Dolly Parton

“I have not failed. I’ve just found 10,000 ways that won’t work.” – Thomas A. Edison

“Money can’t buy you happiness, but it can buy you a yacht big enough to pull up right alongside it.” – David Lee Roth

“If you don’t value your time, neither will others. Stop giving away your time and talents. Value what you know & start charging for it.” – Kim Garst

“Yesterday ended last night. Today is a brand-new day.” – Zig Ziglar

“He who loses money, loses much; He who loses a friend, loses much more; He who loses faith, loses all.” – Eleanor Roosevelt

“A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty.” – Winston Churchill

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

“Bottoms in the investment world don’t end with four-year lows; they end with 10- or 15-year lows.” – Jim Rogers

“Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.” – Warren Buffett

“What we really want to do is what we are really meant to do. When we do what we are meant to do, money comes to us, doors open for us, we feel useful, and the work we do feels like play to us.” – Julia Cameron

“The greatest wealth is to live content with little.” – Plato

“We should remember that good fortune often happens when opportunity meets with preparation.” – Thomas A. Edison

“It is our choices, that show what we truly are, far more than our abilities.” – J. K Rowling

“If you have trouble imagining a 20% loss in the stock market, you shouldn’t be in stocks.” – John Bogle

“There is no passion to be found playing small—in settling for a life that is less than the one you are capable of living.” – Nelson Mandela

“Time is more value than money. You can get more money, but you cannot get more time.” – Jim Rohn

“Do what you love. When you love your work, you become the best worker in the world.” – Uri Geller

“I will tell you the secret to getting rich on Wall Street. You try to be greedy when others are fearful. And you try to be fearful when others are greedy.” – Warren Buffett

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

“Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.”

The people who know personal finance hide the money very carefully. James Altucher

Funny Finance Quotes

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“Persist – don’t take no for an answer. If you’re happy to sit at your desk and not take any risk, you’ll be sitting at your desk for the next 20 years.” – David Rubenstein

“If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it.” – Steve Jobs

“Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.” – Paul Samuelson

“How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” – Robert G. Allen

“Never spend your money before you’ve earned it.” – Thomas Jefferson

“My old father used to have a saying: If you make a bad bargain, hug it all the tighter.” – Abraham Lincoln

“Too many people spend money they buy things they don’t impress people that they don’t like.” – Will Rogers

“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

“Most people work just hard enough not to get fired and get paid just enough money not to quit.” – George Carlin

“My formula for success is rise early, work late and strike oil.” – JP Getty

“Do one thing every day that scares you.” – Eleanor Roosevelt

“I’d like to live as a poor man with lots of money.” – Pablo Picasso

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

“Children are the living messages we send to a time we will not see.” – John F Kennedy

“Money poisons you when you’ve got it, and starves you when you haven’t.” – D.H. Lawrence

“I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of socks. Got a fur sink. An electric dog polisher. A gasoline powered turtleneck sweater. And, of course, I bought some dumb stuff, too.” – Steve Martin

“Beware of little expenses; a small leak will sink a great ship.” – Benjamin Franklin

“A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain.” – Robert Frost

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

“Not everything that can be counted counts, and not everything that counts can be counted.” – Albert Einstein

“The major fortunes in America have been made in land.” – John D. Rockefeller

“An ounce of blood is worth more than a pound of friendship.” – Spanish Proverb

“Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort.” – Franklin D. Roosevelt

“Do not save what is left after spending; instead spend what is left after saving.” – Warren Buffett

“The most contrarian thing of all is not to oppose the crowd but to think for yourself.” – Peter Thiel

“It is time for us to stand and cheer for the doer, the achiever, the one who recognizes the challenge and does something about it.” – Vince Lombardi

“Money, like emotions, is something you must control to keep your life on the right track.” – Natasha Munson

“We make a living by what we get, but we make a life by what we give.” – Winston Churchill

“We all have dreams. But in order to make dreams come into reality, it takes an awful lot of determination, dedication, self-discipline, and effort.” – Jesse Owens

“A nickel ain’t worth a dime anymore.” – Yogi Berra

“Bills travel through the mail at twice the speed of checks.” – Steven Wright

“The key is not to prioritize what’s on your schedule, but to schedule your priorities.” – Stephen Covey

“All good men and women must take responsibility to create legacies that will take the next generation to a level we could only imagine.” – Jim Rohn

“Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.” – Charles Dickens

“Every new beginning comes from some other beginnings end.” – Seneca

“What you get by achieving your goals is not as important as what you become by achieving your goals.” – Henry David Thoreau

“Formal education will make you a living; self-education will make you a fortune.” – Jim Rohn

“Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris

“Don’t stay in bed, unless you can make money in bed.” – George Burns

“Families are the compass that guides us. They are the inspiration to reach great heights, and our comfort when we occasionally falter.” – Brad Henry

“Fortune sides with him who dares.” – Virgil

“You must gain control over your money or the lack of it will forever control you.” – Dave Ramsey

“You will never reach your destination if you stop and throw stones at every dog that barks.” – Winston Churchill

“A formal education will make you a living; self-education will make you a fortune.” – Jim Rohn

“Friendship is like money, easier made than kept.” – Samuel Butler

“You get recessions, you have stock market declines. If you don’t understand that’s going to happen, then you’re not ready, you won’t do well in the markets.” – Peter Lynch

“The best thing money can buy is financial freedom.”


Personal Finance Quotes

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“Wealth consists not in having great possessions, but in having few wants.” – Epictetus

“Buy when everyone else is selling and hold until everyone else is buying. That’s not just a catchy slogan. It’s the very essence of successful investing.” – J. Paul Getty

“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” – Edmund Burke

“I’m only rich because I know when I’m wrong…I basically have survived by recognizing my mistakes.” – George Soros

“It’s not whether you’re right or wrong that’s important, but how much money you make when you’re right and how much you lose when you’re wrong.” – George Soros

“Don’t wait to buy real estate. Buy real estate and wait.” – Will Rogers

“I will tell you how to become rich. Close the doors. Be fearful when others are greedy. Be greedy when others are fearful.” – Warren Buffett

“We don’t prognosticate macroeconomic factors, we’re looking at our companies from a bottom-up perspective on their long-run prospects of returning.” – Mellody Hobson

“The four most dangerous words in investing are: ‘this time it’s different.” – Sir John Templeton

“The biggest risk of all is not taking one.” – Mellody Hobson

“Other things may change us, but we start and end with the family.” – Anthony Brandt

“Impossible is just a word thrown around by small men who find it easier to live in the world they’ve been given than to explore the power they have to change it. Impossible is not a fact. It’s an opinion. Impossible is potential. Impossible is temporary. Impossible is nothing.” – Muhammad Ali

“The only rock I know that stays steady, the only institution I know that works, is the family.” – Lee Iacocca

“The stock market is filled with individuals who know the price of everything, but the value of nothing.” – Philip Fisher

“Try to save something while your salary is small; it’s impossible to save after you begin to earn more.” – Jack Benny

“Wealth is not about having a lot of money; it’s about having a lot of options.” – Chris Rock

“All our dreams can come true if we have the courage to pursue them.” – Walt Disney

“If you think nobody cares if you’re alive, try missing a couple of car payments.” – Earl Wilson

“A wise person should have money in their head, but not in their heart.” – Jonathan Swift

“It’s not the employer who pays the wages. Employers only handle the money. It’s the customer who pays the wages.” – Henry Ford

“Making the decision to have a child — it’s momentous. It is to decide forever to have your heart go walking outside your body.” – Elizabeth Stone

“Give me six hours to chop down a tree and I will spend the first four sharpening the axe.” – Abraham Lincoln

“The desire of gold is not for gold. It is for the means of freedom and benefit.” – Ralph Waldo Emerson

“Remember that the happiest people are not those getting more, but those giving more.” – H. Jackson Brown Jr.

“To contract new debts is not the way to pay old ones.” – George Washington

“If you would be wealthy, think of saving as well as getting.” – Benjamin Franklin

“The only man who never makes mistakes is the man who never does anything.” – Theodore Roosevelt

“Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” – Thomas Edison

“The only thing that overcomes hard luck is hard work.” – Harry Golden

“No one has ever become poor by giving.” – Anne Frank

“Everyday is a bank account, and time is our currency. No one is rich, no one is poor, we’ve got 24 hours each.” – Christopher Rice

“As long as you’re going to be thinking anyway, think big.” – Donald Trump

“I say always follow your passion, no matter what, because even if it’s not the same financial success, it’ll lead you to the money that’ll make you the happiest.” – Ellen DeGeneres

Wealth is the ability to fully experience life. HENRY DAVID THOREAU

Motivational Finance Quotes

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“Success is the sum of small efforts, repeated day in and day out.” – Robert Collier

“Setting goals is the first step in turning the invisible into the visible.” – Tony Robbins

“Patience and diligence, like faith, remove mountains.” – William Penn

“Without continual growth and progress, such words as improvement, achievement, and success have no meaning.” – Benjamin Franklin

“When we give cheerfully and accept gratefully, everyone is blessed.” – Maya Angelou

“You can, you should, and if you’re brave enough to start, you will.” – Steven King

“All successful people men and women are big dreamers. They imagine what their future could be, ideal in every respect, and then they work every day toward their distant vision, that goal or purpose.” – Brian Tracy

“A successful man is one who can lay a firm foundation with the bricks others have thrown at him.” – David Brinkley

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” – Robert Kiyosaki

“It’s how you deal with failure that determines how you achieve success.” – David Feherty

“A dream doesn’t become reality through magic; it takes sweat, determination and hard work.” – Colin Powell

“All you need is the plan, the road map, and the courage to press on to your destination.” – Earl Nightingale

“You are the master of your destiny. You can influence, direct and control your own environment. You can make your life what you want it to be.”

“Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.” – Pablo Picasso

“Start by doing what’s necessary; then do what’s possible; and suddenly you are doing the impossible.” – Frances of Assisi

“The real measure of your wealth is how much you’d be worth if you lost all your money.” – Anonymous

“Our greatest glory is not in never failing, but in rising every time we fall.” – Confucius

“Let no feeling of discouragement prey upon you, and in the end you are sure to succeed.” – Abraham Lincoln

“Success is not final; failure is not fatal: It is the courage to continue that counts.” – Winston S. Churchill

“Belief in oneself and knowing who you are … that’s the foundation for everything great.” – Jay-Z

“The individual investor should act consistently as an investor and not as a speculator.” – Ben Graham

“Money can’t buy happiness, but it will certainly get you a better class of memories.” – Ronald Reagan

“Action is the foundational key to all success.” – Pablo Picasso

“To live is to choose. But to choose well, you must know who you are and what you stand for, where you want to go and why you want to get there.” – Kofi Annan

“Follow your passion; it will lead you to your purpose.” – Oprah Winfrey

“The greatest gift you can give your children are the roots of responsibility and the wings of independence.” – Dennis Waitley

“Our greatest natural resource is in the minds of our children” – Walt Disney

“Before you can become a millionaire, you must learn to think like one. You must learn how to motivate yourself to counter fear with courage.” – Thomas J. Stanley

“Without leaps of imagination or dreaming, we lose the excitement of possibilities. Dreaming, after all, is a form of planning.” – Gloria Steinem

“A man who pays his bills on time is soon forgotten.” – Oscar Wilde

“If you live for having it all, what you have is never enough.” – Vicki Robin

“When prosperity comes, do not use all of it.” – Confucius

“If all the economists were laid end to end, they’d never reach a conclusion.” – George Bernard Shaw

“The greater the obstacle, the more glory in overcoming it.” – Moliere

“Victory is always possible for the person who refuses to stop fighting.” – Napoleon Hill

“Everything is negotiable. Whether or not the negotiation is easy is another thing.” – Carrie Fisher

“A real entrepreneur is somebody who has no safety net underneath them.” – Henry Kravis

“People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily.” – Zig Ziglar

“Money often costs too much.” – Ralph Waldo Emerson

“Wide diversification is only required when investors do not understand what they are doing.” – Warren Buffett

“The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind.” – T.T. Munger

“Do not go where the path may lead, go instead where there is no path and leave a trail.” – Ralph Waldo Emerson

“No amount of money or success can take the place of time spent with your family.”

“There is a gigantic difference between earning a great deal of money and being rich.” – Marlene Dietrich

“The stock market is designed to transfer money from the active to the patient.” – Warren Buffett

“I’d like to live as a poor man with lots of money.” – Pablo Picasso

“You can be young without money, but you can’t be old without it.” – Tennessee Williams

“The goal in marriage is not to think alike, but to think together.” – Robert C. Dodds

You must start investing as early as possible. Yesterday was better than today, and today is better than tomorrow. Don't wait for a significant market drop. Naved abdali

Inspirational Finance Quotes

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“You don’t try to forget the mistakes, but you don’t dwell on it. You don’t let it have any of your energy, or any of your time, or any of your space.” – Johnny Cash

“I don’t focus on what I’m up against. I focus on my goals and I try to ignore the rest.” – Venus Williams

“With a good perspective on history, we can have a better understanding of the past and present, and thus a clear vision of the future.” – Carlos Slim Helu

“I am prepared for the worst, but hope for the best.” – Benjamin Disraeli

“Live as if you were to die tomorrow. Learn as if you were to live forever.” – Mahatma Gandhi

“The value we provide most to others is the same value we appreciate most from others.” – Simon Sinek

“The real voyage of discovery consists in not seeking new landscapes, but in having new eyes.” – Marcel Proust

“One day, someone will walk into your life and make you see why it never worked out with anyone else.” – Unknown

“Many people take no care of their money till they come nearly to the end of it, and others do just the same with their time.” – Johann Wolfgang von Goethe

“The most difficult thing is the decision to act, the rest is merely tenacity.” – Amelia Earhart

“Develop success from failures. Discouragement and failure are two of the surest stepping stones to success.” – Dale Carnegie

“The function of education is to teach one to think intensively and to think critically. Intelligence plus character – that is the goal of true education.” – Martin Luther King, Jr.

“The secret of getting ahead is getting started. The secret to getting started is breaking your complex overwhelming tasks into small manageable tasks and then starting on the first one.” – Mark Twain

“Finance is not merely about making money. It’s about achieving our deep goals and protecting the fruits of our labor. It’s about stewardship and, therefore, about achieving the good society.” – Robert J. Shiller

“If you took our top fifteen decisions out, we’d have a pretty average record. It wasn’t hyperactivity, but a hell of a lot of patience. You stuck to your principles and when opportunities came along, you pounced on them with vigor.” – Charlie Munger

“I never attempt to make money on the stock market. I buy on the assumption that they could close the market the next day and not reopen it for ten years.” – Warren Buffett

“If plan A fails, remember there are 25 more letters.” – Chris Guillebeau

“Children are great imitators. So give them something great to imitate.”

“Knowledge is power: you hear it all the time but knowledge is not power. It’s only potential power. It only becomes power when we apply it and use it. Somebody who reads a book and doesn’t apply it, they’re at no advantage over someone who’s illiterate. None of it works unless you work. We have to do our part. If knowing is half the battle, action is the second half of the battle.” – Jim Kwik

“Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one.” – Benjamin Franklin

“Diligence is the mother of good luck.” – Benjamin Franklin

“Wealth is not his that has it, but his that enjoys it.” – Benjamin Franklin

“You cannot escape the responsibility of tomorrow by evading it today.” – Abraham Lincoln

“Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” – Joe Biden

“Being rich is having money; being wealthy is having time.” – Margaret Bonanno

“If there is one common theme to the vast range of the world’s financial crises, it is that excessive debt accumulation, whether by the government, banks, corporations, or consumers, often poses greater systemic risks than it seems during a boom.” – Carmen Reinhart

“Don’t live the same day over and over again and call that a life. Life is about evolving mentally, spiritually, and emotionally.” – Germany Kent

“Given a 10% chance of a 100 times payoff, you should take that bet every time.” – Jeff Bezos

“Buy land. They’re not making it anymore.” – Mark Twain

“Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” – Norman Vincent Peale

“If you want to be financially free, you need to become a different person than you are today and let go of whatever has held you back in the past.”

“The way to achieve your own success is to be willing to help somebody else get it first.”

“Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do.” – Mark Twain

Earn with your mind, not your time. Naval Ravikant

Finance Management Quotes

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“In investing, what is comfortable is rarely profitable.” – Robert Arnott

“A budget is more than just a series of numbers on a page; it is an embodiment of our values.” – Barack Obama

“What you’re thinking is what you’re becoming.” – Muhammad Ali

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” – Ayn Rand

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

“A good plan, violently executed now, is better than a perfect plan next week.” – George Patton

“Buying real estate is not only the best way, the quickest way, the safest way, but the only way to become wealthy.” – Marshall Field

“Courage taught me no matter how bad a crisis gets … any sound investment will eventually pay off.” – Carlos Slim Helu

“Sacrifice is a part of life. It’s supposed to be. it’s not something to regret. It’s something to aspire to.” – Mitch Albom

“Financial freedom is available to those who learn about it and work for it.” – Robert Kiyosaki

“A perfect relationship isn’t actually perfect, it’s just that both people never give up.”

“You have to set goals that are almost out of reach. If you set a goal that is attainable without much work or thought, you are stuck with something below your true talent and potential.” – Steve Garvey

“Do something today that your future self will thank you for.”

“Know what you own, and know why you own it.” – Peter Lynch

“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

“No one is useless in this world who lightens the burdens of another.” – Charles Dickens

“The successful warrior is the average man, with laser-like focus.” – Bruce Lee

“Returns matter a lot. It’s our capital.” – Abigail Johnson

“Alone we can do so little; together, we can do so much.” – Helen Keller

“It’s better to look ahead and prepare than to look back and regret.” – Jackie Joyner-Kersee

“I made my money the old-fashioned way. I was very nice to a wealthy relative right before he died.” – Malcolm Forbes

“Money is a terrible master but an excellent servant.” – P.T. Barnum

“Timing, perseverance, and 10 years of trying will eventually make you look like an overnight success.” – Biz Stone

“Wealth after all is a relative thing since he that has little and wants less is richer than he that has much and wants more.” – Charles Caleb Colton

“A budget is telling your money where to go instead of wondering where it went.” – Dave Ramsey

Millions of educated people pursue their profession successfully, but later find themselves struggling financially. They work harder but don't get ahead. What is missing from their education is not how to make money, but how to spend money-what to do after you make it.

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