15 pieces of financial wisdom from millionaires and billionaires

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Whether you like it or not, money is a major factor that controls what you can and can't do in life. That's why it's important to be financially wise.

Whether you're planning a retirement fund or getting ready to launch a business, being savvy with your cash is vital.

From Warren Buffett to Oprah Winfrey — some of the wealthiest people in the world started from nothing but were smart about managing money.

So take it from the pros. Here are 15 wise money quotes from millionaires and billionaires. Cha-ching!

"It doesn't matter how you live. It doesn't matter what car you drive. It doesn't matter what kind of clothes you wear. The more you stress over bills, the more difficult it is to focus on your goals. The cheaper you can live, the greater your options." —Mark Cuban

"Never depend on single income. Make investments to create a second source." —Warren Buffett

"Don't think in terms of taking huge risks to get huge rewards. Think about the least amount of risk for the greatest reward, and be disciplined about that." —Tony Robbins