George Bailey: Just a minute... just a minute. Now, hold on, Mr. Potter. You're right when you say my father was no businessman. I know that. Why he ever started this cheap, penny-ante Building and Loan, I'll never know. But neither you nor anyone else can say anything against his character, because his whole life was... why, in the 25 years since he and his brother, Uncle Billy, started this thing, he never once thought of himself. Isn't that right, Uncle Billy? He didn't save enough money to send Harry away to college, let alone me. But he did help a few people get out of your slums, Mr. Potter, and what's wrong with that? Why... here, you're all businessmen here. Doesn't it make them better citizens? Doesn't it make them better customers? You... you said... what'd you say a minute ago? They had to wait and save their money before they even ought to think of a decent home. Wait? Wait for what? Until their children grow up and leave them? Until they're so old and broken down that they... Do you know how long it takes a working man to save $5,000? Just remember this, Mr. Potter, that this rabble you're talking about... they do most of the working and paying and living and dying in this community. Well, is it too much to have them work and pay and live and die in a couple of decent rooms and a bath? Anyway, my father didn't think so. People were human beings to him. But to you, a warped, frustrated old man, they're cattle. Well in my book, my father died a much richer man than you'll ever be!

George Bailey: Merry Christmas, Mr. Potter!
Mr. Potter: And Happy New Year to you, in jail! Why don't you go on home? They're waiting for you!

George Bailey: Now, will you do something for me?
Zuzu Bailey: What?
George Bailey: Will you try and get some sleep?
Zuzu Bailey: I'm not sleepy. I want to look at my flower.
George Bailey: I know-I know, but you just go to sleep, and then you can dream about it, and it'll be a whole garden.
Zuzu Bailey: It will?
George Bailey: Uh-huh.

George Bailey: You sit around here and you spin your little webs and you think the whole world revolves around you and your money. Well, it doesn't, Mr. Potter. In the whole vast configuration of things, I'd say you were nothing but a scurvy little spider! And...
[turning to his aide]
George Bailey: And that goes for you, too!

Mary: Bread... that this house may never know hunger.
[Mary hands a loaf of bread to Mrs. Martini]
Mary: Salt... that life may always have flavor.
[Mary hands a box of salt to Mrs. Martini]
George Bailey: And wine... that joy and prosperity may reign forever. Enter the Martini Castle.
[George hands Mr. Martini a bottle of wine]

Mr. Potter: [to George Bailey] Look at you. You used to be so cocky. You were going to go out and conquer the world. You once called me "a warped, frustrated, old man!" What are you but a warped, frustrated young man? A miserable little clerk crawling in here on your hands and knees and begging for help. No securities, no stocks, no bonds. Nothin' but a miserable little $500 equity in a life insurance policy.
[Potter chuckles]
Mr. Potter: You're worth more dead than alive!

Mr. Potter: What have you been doing lately, George? Playing the market with the company's money?
George Bailey: No, of course not.
Mr. Potter: Or is it a woman you're involved with? It's all over town that you've been giving money to Violet Bick.
George Bailey: What?
Mr. Potter: Not that it's any skin off my nose.

Zuzu Bailey: Look, Daddy. Teacher says, every time a bell rings an angel gets his wings.