Irving Fisher

"Savings represent delayed gratification for greater future satisfaction."

"The currency serves best when it remains stable and predictable."

"Commerce requires honesty; dishonesty destroys markets and trust."

"Overproduction in good times leads to underproduction and suffering in bad times."

"The wise man builds wealth gradually through consistent effort."

"Interest rates should reflect the true productivity of capital employed."

"Economic freedom and political freedom are inseparably linked."

"The study of bubbles teaches us about human nature and markets."

"Monetary reform requires both courage and economic understanding."

"The average man understands little about the forces shaping his livelihood."

"Spending without earning is the path to personal and national ruin."

"The circulation of money is as vital to an economy as blood circulation to the body."

"Real wealth lies not in the possession of money but in the production of goods."

"Bad money drives out good money from circulation; this is inevitable."

"The proper function of credit is to facilitate productive investment."

"Wages must be sufficient to allow workers to save for security."

"The financial success of a nation depends on financial virtue of its people."

"Inflation steals from the poor while it enriches those with hard assets."

"The banker who lends too freely sows the seeds of his own destruction."

"Economic cycles are more violent when credit expansion is uncontrolled."

"A sound mind and a sound currency are both products of discipline."

"The love of work, not the love of money, is the key to prosperity."

"Civilization advances through the accumulation of capital and knowledge."

"The poorest man is he who is rich in money but poor in spirit."

"Monetary stability allows business to plan confidently for the future."

"The price mechanism is nature's way of communicating scarcity."

"Saving is simply choosing to consume in the future rather than today."

"The most important financial decision is deciding what is truly important."

"Economic hardship teaches lessons that prosperity never can."

"The currency should serve the people, not the people serve the currency."