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Money & wealth quotes, explained

Thrift, riches and what money can and cannot buy. Each one is checked against its original source, so you know who really said it before you use it.

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“Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”
Charles Dickens · 1850
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“Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”
Charles Dickens · David Copperfield, Chapter 12 (Mr Micawber) · 1850 · Writer

If you spend even a little less than you earn, you are fine. If you spend even a little more, you are in trouble. The size of the gap matters less than which side of the line you are on.

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“Beware of little expenses; a small leak will sink a great ship.”
Benjamin Franklin · The Way to Wealth (preface to Poor Richard Improved, 1758) · 1758 · Politician

Small, regular spending adds up. A habit that seems too minor to matter can drain your money as surely as a big mistake.

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“In this world nothing can be said to be certain, except death and taxes.”
Benjamin Franklin · Letter to Jean-Baptiste Le Roy · 1789 · Politician

A wry aside in a letter about the new U.S. Constitution. Franklin made it famous, but the joke was already in print more than seventy years earlier.

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≈ Paraphrase
“Money is the root of all evil.”
Paul the Apostle · First Epistle to Timothy 6:10 (King James Version) · 60 · Religious figure

A shortened form of 1 Timothy 6:10, which warns against the love of money, not money itself. Dropping “the love of” changes the meaning.

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“Neither a borrower nor a lender be.”
William Shakespeare · Hamlet, Act 1, Scene 3 (Polonius to Laertes) · 1600 · Playwright

Don't borrow money and don't lend it, because a loan can cost you both the money and the friend, and borrowing makes you careless with what you have.

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“Remember that time is money.”
Benjamin Franklin · Advice to a Young Tradesman, Written by an Old One · 1748 · Politician

An hour spent idle is not free. If you could have been earning during that time, the wages you gave up are a real cost, on top of whatever you spent.

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