Irving Fisher

"Capital investment is the bridge between present sacrifice and future abundance."

"The statistician who understands money understands the pulse of society."

"Frugality in government spending is as important as private frugality."

"The man who lives within his means will never live beneath them."

"Economic value is created by those who produce, not merely those who trade."

"The businessman must be the servant of his customer, not his master."

"Monetary policy affects not just prices but employment and social welfare."

"The true measure of an economy is the well-being of its ordinary citizens."

"Credit must always be based on real assets and real earning power."

"The road to financial independence is paved with small daily decisions."

"Economic education prevents the mistakes that lead to personal and national disaster."

"The great wealth of any nation is the health of its people."

"Debts are always worse in a depression, and depressions are usually worse in a period of heavy debt."

"The best investment is in the tools of one's own trade."

"Time is money, but money is not always time well spent."

"A sound mind in a sound body is the foundation of all prosperity."

"The purchasing power of money is more important than the money itself."

"In the long run, the market always reflects reality."

"Inflation is like a thief that steals silently from the poor."

"The most valuable knowledge is understanding how money really works."

"Peace is the prerequisite for all economic progress."

"Speculation is the art of guessing wrong at the right time."

"Education is the cheapest insurance policy a nation can buy."

"The future belongs to those who understand the present."

"Wealth without health is like a house without a foundation."

"The greatest waste is the waste of human potential."

"Credit is the lifeblood of modern commerce, but it can be poisonous in excess."

"A man's character is his real capital."

"Happiness comes not from having more, but from needing less."

"The cycles of business are like the seasons: inevitable and cyclical."