I once stood awestruck and alone at the the top of the incredible Gama valley in the Tibetan Himalayas. I was also slightly panicked that I may just be lost and about die in the Tibetan wilderness. “But what has this got to do with financial freedom quotes?” you ask.
Our values and beliefs, the decisions we make, and where they take us.
You see, what popped into my head in that moment with the trek into Mt Everest in front of me was “How did a 22 year old girl from Oz, come to be here in the Himalayas, doing this?”. (Figuratively speaking of course. I had been bouncing around in the back of early model Toyota troop carrier for days, across vast and dusty valleys with no roads to be seen…)
The answer? A combination of my values, beliefs and decisions I’d made, taken from everything I’d learned and experienced to that point.
The same question drifted into my head yesterday as I stood at the Cow Bar which rests on the back fence of my recent cash-purchased home. I contemplated the stunning Valley of Views that I now live in, and my new life. The answer this time was the same; 8 years worth of building new values and beliefs about wealth, and decisions taken from everything new I’d taught myself about money.
This is where the financial freedom quotes come in.
What are your beliefs about money?
If you think the wealthy are a bunch of greedy bottom feeders you’ll probably never be wealthy. Because what you think about money determines the role it plays in your life.
What if I told you that our beliefs about money are based on myths from another era and hold us back in life? Here are some examples:
|Myth money mindsets||Millionaire money mindset|
|There is never enough money||There is always more money and more opportunities|
|You have to work really hard to make money||There are easier ways to make money|
|You can help people OR make money, but not both||Money gives people the opportunity to contribute to others and make a powerful impact.|
|Retirement is for when you’re old||Retirement is for when you want|
|The world is a zero sum game – if I get money I’m taking it from someone else||Remember, there is always more money (they’re printing it after all)|
My advice on all of this is to explore your money mindset. And no, this is not not all rah, rah fairies and unicorns. Pay attention to the words that come out of your mouth when it comes to money. The things you say, like “Money doesn’t grow on trees you know”, reflect your values and beliefs about building wealth. Values and beliefs that can manifest and limit you to the status quo.
Write these things down. Then consciously challenge them.
One way to do this is to surround yourself with new values, new beliefs and different attitudes about money. Read books and quotes and re-educate yourself. The pay offs can be huge.
If you want to know more about how this works, ‘Chillpreneur” is a great, fun book to get your money mindset flowing.Chillpreneur: The New Rules for Creating Success, Freedom, and Abundance on Your Terms
14 financial freedom quotes to live a wealthy life
The list you’ve all been waiting for! Here are the money beliefs and values that have guided us over the last 8 years, expressed in our favourite financial freedom quotes of all time.
I hung them on the fridge door, put them into my screen saver, read them on my daily commute and remembered them whenever I found a financial opportunity or saw a fork in the road. And things began to change for us.
These 14 evocative quotes reveal what we believe it takes to build wealth and get to financial freedom. They have provided us direction and driven our financial decision making every day for 8 years. We hope they do the same for you.
1. Time is our most valuable asset
“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
“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
Time is THE great leveller. We worked out 8 years ago that time is our most valuable asset. We were selling it so cheaply! So we went about putting our time to greatest use; spending it on building wealth to buy back our time in the future.
We also realised that each day what we did in the next 24 hours would determine the path of our future. The same for the day after that. Everyday we did SOMETHING that would help our financial future.
2. Life IS the goal
“The goal isn’t more money. The goal is living life on your terms.” –Chris Brogan
“Wealth is the ability to fully experience life.” –Henry David Thoreau
Our goal was born from a burning desire to take back control of our financial future after struggling to stay employed through an epic workforce slash and burn in 2012. We realised that life is the goal. And ours was passing us by in ways we were not happy with.
3. To build wealth, you have to invest in yourself first
“An investment in knowledge pays the best interest.” —Benjamin Franklin
“If you fail to plan you are planning to fail.” — Benjamin Franklin
So we began to learn about how to build and keep wealth. We read books, we attended training courses, we invested in our own financial literacy. We still do this today. We also came across the Financial Independence Retire Early (FIRE) movement and the crazy idea that working until you are 65 is, well… crazy!
We started to reprogram our brains. We learned all we could about FIRE, building passive income, tax effective investment structures, and how to build wealth. We learned do-it-yourself renovating, real estate investment, property styling, the share economy, blockchain technology, digital assets… We’re still learning.
4. Money comes in abundance if you just plant the seeds
“Someone’s sitting in the shade today because someone planted a tree a long time ago” — Warren Buffet
“If you approach the ocean with a with a cup you take away a cup full. If you approach the ocean with a bucket you take away a bucket full.” — Ramana Maharshi
In 2012 we started planting investment seeds that we could harvest the rest of our lives, and tending them with patience. We’re still planting…
5. Thinking like everyone else will get you where everyone else is
“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
I’ve always been a contrarian and challenger of mainstream thinking so FIRE appealed to me. We started following the FIRE movement in earnest. I’ve also been in tech and innovation for much of my working career, and leveraged these skills to help build wealth.
We consciously kept thinking differently. We challenged mainstream investment advice and made up our own minds in our own heads.
6. Passive income comes from hard work and persistence, with little pay off at the start
“The only place where success comes before work is in the dictionary.” —Vidal Sassoon
We worked our butts off going to our full time wage earner jobs and then creating wealth building side hustles on weekends. We did this 7 days a week for a few years, with little reward. We stayed focussed on our goals and our new values and beliefs. We knew the wealth would come if we persisted.
7. No risk no reward
“the biggest risk of all is not taking one.“ — Mellody Hobson
We took financial risks. Sometimes we lost money. That didn’t stop us. Instead, we learned from it. We thought about how to do it better next time. We kept taking risks and slowly they began paying off. As did our hard work to build passive income streams.
8. Bring value that no-one else brings
“Help a million people and you’ll make a million dollars” – Matt and Liz Read
“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
“If you always do what you’ve always done, you’ll always get what you’ve always got.” — Henry Ford
With passive income streams in place, it’s now time to reinvent ourselves again. Get some fresh blood flowing through our veins, new thoughts ticking in our brains.
Our new goal is to help a million people online. We’re going to do it by being round pegs in square holes and focussing on what we love.
We’ll know when we’ve got there using the analytics for our websites. We also know if we can do this, we’ll be wealth and financially free.
The Final Word – financial freedom is the feeling that you’ve made it
These financial freedom quotes may not resonate with you. But here’s the good news – you can go find your own!
Indeed, we hope this post inspires you to read some financial freedom books, plant some seeds, take some risks, help a million people. be trouble maker. Or even better – do your own version of all of these!
We promise, you won’t regret it. And it may just change your money mindset and your life.