Man at Bar: Why do you drink so much? Please go home, Mr. Bailey.
Mr. Welsh: [sitting right beside George] Bailey? Which Bailey?
Giuseppe Martini: This is Mr. George Bailey.
[Mr. Welsh angrily pulls George Bailey up to his face by the lapels with one hand and hits him in the face with a right hook, sending him to the floor]
Mr. Welsh: Next time you talk to my wife like that, you'll get worse! She cried for an hour! It's not enough she teaches stupid children to read and write, you had to bawl her out!

[first lines]
Mr. Emil Gower: I owe everything to George Bailey. Help him, dear Father.

[George has discovered his brother Harry's tombstone]
Clarence: [explaining] Your brother, Harry Bailey, broke through the ice and was drowned at the age of nine.
George Bailey: That's a lie! Harry Bailey went to war! He got the Congressional Medal of Honor! He saved the lives of every man on that transport!
Clarence: Every man on that transport died! Harry wasn't there to save them, because you weren't there to save Harry.

[George returns to the bridge where his nightmare began, hoping to bring back his old life]
George Bailey: [praying] Clarence! Clarence! Help me, Clarence! Get me back! Get me back, I don't care what happens to me! Get me back to my wife and kids! Help me Clarence, please! Please! I wanna live again. I wanna live again. Please, God, let me live again.
[it begins to snow again]
Bert: [shouts] Hey, George! George! You all right? Hey, what's the matter?
George Bailey: Now get outta here, Bert, or I'll hit you again! Get outta here!
Bert: What the sam hill you yellin' for, George?
George Bailey: You...
[suddenly stunned]
George Bailey: George... Bert? Do you know me?
Bert: Know you? Huh. You kiddin'? I've been looking all over town trying to find you. I saw your car plowed into that tree down there and I thought maybe you - hey, your mouth's bleeding. Are you sure you're all right?
George Bailey: What the...
[licks the corner of his lip and checks his mouth with his hand]
George Bailey: Ha, ha, ha, ha! My mouth's bleeding, Bert! My mouth's bleeding! Zuzu's petals... Zuzu...
George Bailey: [checking his pocket] There they are! Bert, what do you know about that! Merry Christmas!

Real Estate Salesman: Fifteen years ago, a half-dozen houses stuck here and there. There's the old cemetery, squirrels, buttercups, daisies. Dozens of the prettiest little homes you ever saw. Ninety per cent owned by suckers who used to pay rent to you. Your Potter's Field, my dear Mr. Employer, is becoming just that. And are the local yokels making with those David and Goliath wisecracks!
Mr. Potter: Oh, they are, are they? Even thought they know the Baileys haven't made a dime out of it.
Real Estate Salesman: You know very well why. The Baileys were all chumps. Every one of these homes is worth twice what it cost the Building and Loan to build. If I were you, Mr. Potter...
Mr. Potter: Well, you are not me.
Real Estate Salesman: As I say, it's no skin off my nose. But one of these days this bright young man is going to be asking George Bailey for a job.

Pa Bailey: I know it's soon to talk about it.
George Bailey: Oh, now Pop, I couldn't. I couldn't face being cooped up for the rest of my life in a shabby little office... Oh, I'm sorry Pop, I didn't mean that, but this business of nickels and dimes and spending all your life trying to figure out how to save three cents on a length of pipe... I'd go crazy. I want to do something big and something important.
Pa Bailey: You know, George, I feel that in a small way we are doing something important. Satisfying a fundamental urge. It's deep in the race for a man to want his own roof and walls and fireplace, and we're helping him get those things in our shabby little office.
George Bailey: I know, Dad. I wish I felt... But I've been hoarding pennies like a miser in order to... Most of my friends have already finished college. I just feel like if I don't get away, I'd bust.
Pa Bailey: Yes... yes... You're right son.
George Bailey: You see what I mean, don't you, Pop?
Pa Bailey: This town is no place for any man unless he's willing to crawl to Potter. You've got talent, son. I've seen it. You get yourself an education. Then get out of here.
George Bailey: Pop, you want a shock? I think you're a great guy.
[to Annie, the maid, listening through the door]
George Bailey: Oh, did you hear that, Annie?
Annie: I heard it. About time one of you lunkheads said it.

Harry Bailey: A toast to my big brother George: The richest man in town.

Zuzu Bailey: Look, Daddy. Teacher says, every time a bell rings an angel gets his wings.
George Bailey: That's right, that's right.
George Bailey: Attaboy, Clarence.

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!