‘You’re not broke, you’re pre-rich’: 25 money memes for people in need of a little laughter credit

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Melissa Knudson • Writer
Oct 2, 2026 7:45 AM EDT

Can we start tipping with hilarious memes?

Another month is starting, and you're suddenly wondering where all your money went. Of course, you're conveniently forgetting all those Starbucks coffee breaks and random concerts you'd decided to "invest" in, because you only live once and tomorrow will be another day. Well, tomorrow did come after all. Hey! We are definitely not judging. If I had a cent for every smart financial decision I  made throughout last month, I would have exactly…zero. Oh wait! I have exactly zero cents in my bank account, so I guess that checks out. 

Thankfully, good memes and internet comedy are free. I mean, if you don't count little details like having to pay for internet access itself, and that electricity also comes in the form of a bill every month. But hey, technicalities. At least staying at home and enjoying a hilarious collection of money memes is a lot cheaper than going out to that one fancy restaurant you've been wanting to try. On the other hand, if you were to go to that restaurant anyway and enjoy this collection of funny memes while you eat delicious food, no harm done (other than to your pocket). 

Yes, yes, you might have spent a little more than planned in that one "treat yourself" day, but does your mental sanity have a price? Some therapists would say that, in fact, it does, but let's agree your happiness is priceless. From one lousy money spender to another, let's join forces in order to make this meme collection even more hilarious by making sure it's based in reality. We are not millionaires yet, but we have a million ways to make you laugh through our knowledge of memes. When your credit score runs low, know we will always be there to make your humour run high. And here's a little fun fact for when your salary is not coming quite fast enough: make a meme. Will it make you any more wealthy? Not really. Will it make us richer? That is a no, too. But you know what they say: a smile is worth a thousand bucks. And who knows? Maybe we are all one meme away from fortune. If by fortune we mean excellent comedic skills, that is.

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broke saving money spending money money problems funny memes funny money memes Memes take my money funny broke people money
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