120 Top Motivational Quotes For A Debt Free Journey


This post is all about debt free motivational quotes.

Debt Free Motivational Quotes


I remember feeling like my student loans were taking me forever to pay off, and like my debt free journey would never end. I remember wishing I could just snap my fingers and have my debt disappear.

I remember feeling like I wanted to give up. I often wondered if all the side hustles, my part-time job, and all the sacrifices I made would really be worth it.

In those moments, which happened often, it always helped to look at motivational quotes about becoming debt free.

Debt free motivational quotes always reminded me why I wanted to be debt free in the first place: I wanted complete control over my money and freedom from the burden of debt.

I wanted to be able to use my hard-earned cash for other things like nice dinners with friends, Starbucks coffee whenever I wanted, travel, and more. I didn’t want to owe anybody anything.

And motivational quotes about becoming debt free always helped me remember those reasons.

If you are someone who is on a debt free journey now, and you are looking for a little pick-me-up or a boost of motivation, I totally get it.

Here are some awesome debt free motivational quotes that will help you find the determination to keep on going and not give up!

And by the way, as someone who paid off my student loans in about 4 years, I can assure you that it is definitely worth all the hard work and sacrifice 🙂


120 Debt Free Motivational Quotes


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

2. “It does not matter how slowly you go, so long as you do not stop.” – Confucius

3. “Bad debt is sacrificing your future day needs for your present day desires.” – Suze Orman

4. “When you want to succeed as bad as you want to breathe, then you’ll be successful.” – Eric Thomas

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

6. “Most of the important things in the world have been accomplished by people who have kept on trying when there seemed to be no hope at all.” – Dale Carnegie

7. “It always seems impossible until it’s done.” – Nelson Mandela

8. “Never give up on a dream just because of the time it will take to accomplish it. The time will pass anyway.” – Earl Nightingale

9. “The speed of your success is limited only by your dedication and what you’re willing to sacrifice.” – Nathan W. Morris

10. “If you are working on something that you really care about, you don’t have to be pushed. The vision pulls you.” – Steve Jobs

11. “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

12. “Never spend your money before you have earned it.” – Thomas Jefferson

13. “Debt is the slavery of the free.” – François-Auguste Mignet

14. “The way to get started is to quit talking and begin doing.” – Walt Disney

15. “Pay off your debt first. Freedom from debt is worth more than any amount you can earn.” – Mark Cuban

16. “Debt is normal. Be weird.” – Dave Ramsey

17. “It’s not what we do once in a while that shapes our lives. It’s what we do consistently.” – Tony Robbins

18. “Every dollar you spend is a reflection of your values.” – Rachel Cruze

19. “If you will live like no one else, later you can live like no one else.” – Dave Ramsey

20. “Success doesn’t come from what you do occasionally. It comes from what you do consistently.” – Marie Forleo


It does not matter how slowly you go as long as you do not stop.


21. “The most important investment you can make is in yourself.” – Warren Buffett

22. “If you really want something, you can figure out how to make it happen.” – Cher

23. “What can be added to the happiness of a man who is in health, out of debt, and has a clear conscience?” – Adam Smith

24. “We cannot become what we want by remaining what we are.” – Max Depree

25. “Owning your story is the bravest thing you’ll ever do.” – Brené Brown

26. “It’s a slow process, but quitting won’t speed it up.” – Unknown

27. “There are no shortcuts when it comes to getting out of debt.” – Dave Ramsey

28. “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

29. “When you understand that your self-worth is not determined by your net-worth, then you’ll have financial freedom.” – Suze Orman

30. “Don’t expect to see a change if you don’t make one.” – Unknown

31. “If you have debt, I’m willing to bet that general clutter is a problem for you too.” – Suze Orman

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

33. “You either master money, or, on some level, money masters you.” – Tony Robbins

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

35. “Debt is like any other trap, easy enough to get into, but hard enough to get out of.” – Henry Wheeler Shaw

36. “Just keep swimming.” – Finding Nemo

37. “The stronger the why, the easier the how becomes.” – Jim Rohn

38. “I make myself rich by making my wants few.” – Henry Davis Thoreau

39. “When something is important enough, you do it even if the odds are not in your favor.” – Elon Musk

40. “A journey of a thousand miles must begin with a single step.” – Lao Tzu


It always seems impossible until it's done.


41. “If what you are doing is not moving you towards your goals, then it’s moving you away from your goals.” – Brian Tracy

42. “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

43. “A debt problem is, at its core, a budgeting problem.” – Natalie Pace

44. “We may encounter many defeats but we must not be defeated.” – Maya Angelou

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

46. “Nowadays people can be divided into three classes – the haves, the have-nots, and the have-not-paid-for-what-they-haves.” – Earl Wilson

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

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

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

50. “No matter how many mistakes you make or how slow you progress, you are still way ahead of everyone who isn’t trying.” – Tony Robbins

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

52. “One of the greatest disservices you can do a man is to lend him money that he can’t pay back.” – Jesse Jones

53. “It doesn’t matter where you are coming from. All that matters is where you are going.” – Brian Tracy

54. “Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.” – Ogden Nash

55. “There are far, far better things ahead than any we leave behind.” – C.S. Lewis

56. “The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.” – Suze Orman

57. “It’s not your salary that makes you rich, it’s your spending habits.” – Charles A. Jaffe

58. “Doubting yourself is normal. Letting it stop you is a choice.” – Mel Robbins

59. “Accept that you are where you are and what you are because of your own choices and decisions.” – Brian Tracy

60. “It’s always too early to quit.” – Norman Vincent Peale


Never spend your money before you have earned it.


61. “The day I’m able to be debt-free is the day I’m going to be the happiest guy around.” – Steve Garvey

62. “Learn how to be happy with what you have while you pursue all that you want.” – Jim Rohn

63. “You can’t go back and change the beginning, but you can start where you are and change the ending.” – C.S. Lewis

64. “Credit buying is much like being drunk. The buzz happens immediately and gives you a lift. The hangover comes the day after.” – Joyce Brothers

65. “You can’t get out of debt while keeping the same lifestyle that got you there.” – Dave Ramsey

66. “When you know the impact of little expenses, you will realize that there is nothing little in this world.” – Manoj Arora

67. “Failure will never overtake me if my determination to succeed is strong enough.” – Og Mandino

68. “Home life ceases to be free and beautiful as soon as it is founded on borrowing and debt.” – Henrik Ibsen

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

70. “Borrower is slave to the lender.” – Proverbs 22:7

71. “Start where you are. Use what you have. Do what you can.” – Arthur Ashe

72. “Life does not get better by chance, it gets better by change.” – Jim Rohn

73. “Before borrowing money from a friend, decide which you need most.” – American Proverb

74. “A healthy and debt free living person is the richest and the happiest.” – Sushmitha Maddula

75. “Out of debt, out of danger.” – Jerry Voorhis

76. “When you know what you want, and you want it bad enough, you will find a way to get it.” – Jim Rohn

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

78. “The decision to go into debt alters the course condition of your life. You no longer own it. You are owned.” – Dave Ramsey

79. “It’s not whether you get knocked down, it’s whether you get up.” – Vince Lombardi

80. “Debt basically enables people to live a lie.” – Rachel Cruze


If you really want something, you can figure out how to make it happen.


81. “Poor people spend their money and save what’s left, rich people save their money and spend what’s left.” – Jim Rohn

82. “Debt on anything that depreciates is disastrous.” – Orrin Woodward

83. “Debt is one person’s liability, but another person’s asset.” – Paul Krugman

84. “Learning is never done without errors and defeat.” – Vladimir Lenin

85. “If there is no struggle, there is no progress.” – Frederick Douglass

86. “Annual income, twenty pounds; annual expenditure, nineteen pounds; result, happiness. Annual income, twenty pounds; annual expenditure, twenty-one pounds; result, misery.” – Charles Dickens

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

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

89. “The secret of getting ahead is getting started.” – Mark Twain

90. “Success is nothing more than a few simple disciplines practiced every day.” – Jim Rohn

91. “Perseverance is not a long race; it is many short races one after the other.” – Walter Elliot

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

93. “Successful people do what unsuccessful people are not willing to do.” – Jim Rohn

94. “Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.” – Dave Ramsey

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

96. “Rather go to bed without dinner than to rise in debt.” – Benjamin Franklin

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

98. “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

99. “Financial independence is about having more choices.” – Robert Kiyosaki

100. “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 picture of me holding up my paid off college diploma because I became debt free!
The day I paid off my student loans!


101. “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

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

103. “There are no secrets to success. It is the result of preparation, hard work, and learning from failure.” – Colin Powell

104. “Whatever your income, always live below your means.” – Thomas J. Stanley

105. “Now I will tell thee an unusual truth about men and sons of men. It is this: That what each of us calls our ‘necessary expenses’ will always grow to equal our incomes unless we protest to the contrary.” – George Samual Clason

106. “Financial literacy makes it okay for you to make small or big mistakes. On the other hand, being financially illiterate only makes those mistakes dire and regrettable.” – Anas Hamshari

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

108. “Don’t tell me where your priorities are. Show me where you spend your money, and I’ll tell you what they are.” – James W. Frick

109. “The secret to creating lasting financial change is to decide to pay yourself first and then make it automatic.” – David Bach

110. “To succeed, you need to find something to hold on to, something to motivate you, and something to inspire you.” – Tony Dorsett

111. “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

112. “A year from now you may wish you had started today.” – Karen Lamb 

113. “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

114. “Budgeting has only one rule: do not go over budget.” – Leslie Tayne

115. “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

116. “Money is a terrible master but an excellent servant.” – PT Barnum

117. “Whenever you find yourself on the side of the majority, it is time to pause and reflect.” – Mark Twain

118. “The best thing money can buy is financial freedom.” – Rob Berger

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

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


Best Debt Free Books

Here are some books that will motivate you, too! These are the books I read on my debt free journey that taught me how to get out of debt faster, or gave me motivation.


1. You are a Badass at Making Money by Jen Sincero


You are a badass at making money by jen sincero.

Buy on Amazon.


2. I Will Teach You To Be Rich by Ramit Sethi


i will teach you to be rich

Buy on Amazon.


3. Your Money Or Your life by Vicki Robin


your money or your life by vicki robin.

Buy on Amazon.


This post was all about debt free motivational quotes.


Other posts you might like:

9 Ways My Life Has Changed (and Hasn’t) Since Becoming Debt Free

7 Insane Student Loan Debt Statistics That Will Blow Your Mind

I Paid Off $60k Of Debt And Didn’t Get Student Loan Forgiveness – Here’s How I Feel

3 Major Life Changes I Made on My Debt Free Journey



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A few years after graduating college, Taylor made it her mission to become debt free. After paying off all $60k of debt, she began to blog about what she's really passionate about: personal development. Nowadays, Taylor blogs about the topics of Mindset, Money, Health, and Career for women. Read more about Taylor here.

"It's Per$onal" is a super popular and anonymous blog series about the personal lives and finances of women all over the world. Check it out!

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