What is J.P. Morgan's famous quote?

“If you have to ask how much it costs, you can’t afford it.”


This memorable line is widely attributed to J. P. Morgan, supposedly in response to a question about the upkeep of his yacht (Wikipedia, Wikiquote, YourStory.com, quoteswise.com).

Subtitle 1: Meaning Behind the Words

Morgan’s retort suggests that some things—especially those of great luxury or status—are so far beyond the realm of most people’s means that merely inquiring about the price indicates you’re not in that league. It’s not only a comment on wealth, but also a bold assertion of exclusivity and affluence.

Subtitle 2: Contextual Insight

The quote is an informal, perhaps even casual, remark—possibly in jest—when someone asked about the cost of maintaining his yacht. Though unverified, it captures the world of high finance and elite norms Morgan inhabited, where money was a boundary as much as a tool (Wikipedia, Wikiquote).

Subtitle 3: Cultural Impact & Enduring Popularity

Over time, the phrase has become shorthand for the idea that some experiences or possessions are literally (and metaphorically) off-limits to those who must question the price. It’s often invoked in contexts ranging from luxury marketing to memes highlighting exclusivity.

Subtitle 4: Why It Resonates

  • Clarity: It cuts straight to the notion that if cost is a concern, the item isn’t for you.

  • Attitude: It’s unapologetically bold—and perhaps a bit cheeky.

  • Versatility: It can apply loosely to fashion, experiences, or any upscale segment.

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