850 Best Dave Ramsey Quotes: Success With Money (2023)
1. “The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account.” ~ Dave Ramsey
2. “If you will make the sacrifices now that most people aren’t willing to make, later on you will be able to live as those folks will never be able to live.” ~ Dave Ramsey
3. “The Bible says in Habakkuk 2:2, “Write the vision and make it plain.” The written goal is the breakfast of champions. You just can’t do big things without making your goals specific, measurable, yours, with a time limit, and in writing.”
4. “bought one of the software programs, and worked the system. That particular software covered more than 300,000 available scholarships. She narrowed the database search until she had 1,000 scholarships to apply for. She spent the whole summer filling out applications and writing essays. She literally applied for 1,000 scholarships. Denise was turned down by 970, but she got 30, and those 30 scholarships paid her $38,000. She went to school for free while her next-door neighbor sat and whined that no money was available for school and eventually got a student loan.”
5. “There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt.” ~ Dave Ramsey
6. If you’re married, agree on the budget with your spouse. This one sentence requires a stand-alone book to describe how, but the bottom line is this: if you aren’t working together, it is almost impossible to win. Once the budget is agreed on and is in writing, pinky-swear and spit-shake that you will never do anything with money that is not on that paper. The paper is the boss of the money, and you are the boss of what goes on the paper, but you have to stick to the budget, or it’s just an elaborate theory.” — Dave Ramsey
7. “The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth-building tool, but the truth is that the lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower-income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out.”
8. “I can promise you from meeting with literally thousands of millionaires that the thing the healthy ones share in common is a love of GIVING.” – Dave Ramsey
9. “Winning at money is 80 percent behavior and 20 percent head knowledge.” — Dave Ramsey
10. “If you help enough people, you don’t have to worry about money.”~ Dave Ramsey
11. “Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.” — Dave Ramsey
12. “You don’t build wealth with credit card rewards and airline miles. You can’t beat the credit card companies at their own game.” ~ Dave Ramsey, Dave Ramsey quotes about credit card
13. “Requiring nothing of a child gives them no opportunity for failure or success.”
14. “In studying successful people, the author discovered that 15 percent of success could be attributed to training and education, while 85 percent was attributed to attitude, perseverance, diligence, and vision.”
15. “Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.” ~ Dave Ramsey
16. “We buy things we don't need with money we don't have to impress people we don't like.” - Dave Ramsey
17. “Your money needs to work for you, not lie around you.” — Dave Ramsey
18. “Outrageous generosity is a character quality of people who win with money.” ~ Dave Ramsey
19. “La deuda no es un instrumento; es un método para hacer ricos a los bancos, no a usted.”
20. “Stupid is not illegal.”
21. No one wins the Super Bowl accidentally. Be intentional. Be Passionate. Don't mail it in! You got this!” — Dave Ramsey
22. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” ~ Dave Ramsey
23. “Having children doesn’t make you a good parent, it means you had sex. That’s all.”
24. “You can get anywhere if you simply go one step at a time.”
25. “Debt gives you the ability to look like you’re winning when you’re not.” — Dave Ramsey
26. “A good man leaves an inheritance to his children’s children” (Prov. 13:22 NKJV). I”
27. “Fear is the enemy of hope.” – Dave Ramsey
28. “Earning a lot of money is not the key to prosperity. How you handle it is.” – Dave Ramsey
29. “Pray like it all depends on God, but work like it all depends on you.” – Dave Ramsey
30. “We buy things we don’t need with money we don’t have to impress people we don’t like.”
31. “A good man leaves an inheritance to his children’s children.” — Dave Ramsey
32. “Debt brings on enough risk to offset any advantage that could be gained through leverage of debt.” – Dave Ramsey
33. “You will only sacrifice when you passionately believe in the outcome.”
34. Act your wage.” – Dave Ramsey
35. “When Eeyore becomes your spirit animal...you've lost hope".”
36. “To possess riches is to have the right to say how they will or will not be used.” – Dave Ramsey
37. “If she were to invest $3,500 in a mutual fund averaging 12 percent, upon an average death age of seventy-eight, Sara’s mutual fund would be worth $368,500!”
38. You must gain control over your money or the lack of it will forever control you.” ~ Dave Ramsey
39. “The number one cause of bankruptcy today is medical bills; number two is credit cards.”
40. “If you’re not intentional about growing your kids’ characters and ability to handle money, you can work your whole life to build wealth only to have it end up ruining them.”
41. “A typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.” — Dave Ramsey
42. “If You Don’t Know How Money Works . . . What Future Is There in Working for Money?”
43. “When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman.” ~ Dave Ramsey
44. “Fun can be bought with money, but happiness cannot.” ~ Dave Ramsey
45. “Having children doesn’t make you a good parent, it means you had sex. That’s all.” – Dave Ramsey
46. “Albert Einstein said, “Great spirits have often encountered violent opposition from weak minds.”
47. “Twist and wring out the budget, work extra hours, sell something, or have a garage sale, but quickly get your $1,000. Most of you should hit this step in less than a month. If it looks as though it is going to take longer, do something radical. Deliver pizzas, work part-time, or sell something else. Get crazy. You are way too close to the edge of falling over a major money cliff here. Remember, if the Joneses (all the broke people) think you are cool, you are heading the wrong way. If they think you are crazy, you are probably on track.” — Dave Ramsey
48. “You can get anywhere if you simply go one step at a time.” ~ Dave Ramsey
49. “Passion is so key in leading and creating excellence that I will hire passion over education or talent every time. I prefer to have both, but given a choice I will take passion. La Rochefoucauld once said, “The most untutored person with passion is more persuasive than the most eloquent without.”
50. “Those who don’t manage their money will always work for those who do.” – Dave Ramsey
51. “Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card. We”
52. “That stupid saying “What you don’t know can’t hurt you” is ridiculous. What you don’t know can kill you. If you don’t know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear – but that doesn’t mean you won’t get killed.”
53. “Success is a pile of failure that you are standing on.” ~ Dave Ramsey
54. “When you’re trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive.” ~ Dave Ramsey, Dave Ramsey quotes about goals
55. “Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.” – Dave Ramsey
56. “Your priorities, passions, goals, and fears are shown clearly in the flow of your money.”
57. “As long as the sun was shining, life was a party, and the pig with brick seemed kind of nerdy, or overly conservative, or even fanatical. But when their stupid theories were stress tested, their houses fell.”
58. “The accountability of a group environment causes people to change their behaviors.” — Dave Ramsey
59. You can't work three hours a week and make $100,000.” — Dave Ramsey
60. “A lower interest rate doesn’t make a debt go away.”
61. “The number one problem that causes student loan debt? Parents that suck.” Dave Ramsey
62. Money is 80% behavior, 20% head knowledge. It’s what you do, not what you know.” – Dave Ramsey
63. “Success is a pile of failure that you are standing on.” – Dave Ramsey
64. Life is not a snapshot, it's a filmstrip.” — Dave Ramsey
65. Debt is dumb. Cash is king.” — Dave Ramsey
66. “When your money makes more than you do, you are officially wealthy.” – Dave Ramsey
67. “typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.”
68. “A major barrier to winning is our view of debt.” – Dave Ramsey
69. “I would not pre-pay. I would invest instead and let the investments cover it.”
70. “The accountability of a group environment causes people to change their behaviors.” ~ Dave Ramsey
71. “After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it.” Dave Ramsey
72. “There’s a great place to go when you’re broke–to work!” ~ Dave Ramsey
73. Broke people giving financial advice is like a shop teacher with missing fingers.” — Dave Ramsey
74. “Those who work hard will make a profit, but those who only talk will be poor. PROVERBS 14:23”
75. “Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.” ~ Dave Ramsey
76. “Get in Total Attack Mode. All you have to do is execute, execute, execute now. If your friends that are broke aren’t making fun of you, then you are not on track. If your family says, “Look, they’ve joined a cult!” then you are right on track.”
77. “How you handle or mishandle your money tells us who you are and, more important, it tells YOU who you are. Your priorities, passions, goals, and fears are shown clearly in the flow of your money. Your value system, or lack of one causes money to flow around you, passed you, or to you. When money is in your possession, what you do with it screams loudly who you are.” ~ Dave Ramsey
78. “We have a retirement crisis in America today not from a lack of money, but from a lack of vision.” ~ Dave Ramsey
79. “You can't work three hours a week and make $100,000.” — Dave Ramsey
80. You have the clean canvas of a whole week before you. Paint well.” — Dave Ramsey
81. “Opposites attract. If two people just alike get married, one of you is unnecessary. LARRY BURKETT”
82. “Those who never make mistakes work for those of us who do.”
83. “There's a whole generation growing up thinking...the government exists to care for them.”
84. “Broke is normal. Why be normal?” Dave Ramsey
85. “Live like no else today, so you can live like no else tomorrow.”
86. “Stuff is wonderful; get some stuff, but don’t let the pursuit of wealth become your god.” – Dave Ramsey
87. “Parents who let teens run around with unlearned adult freedoms are naïve and stupid.” – Dave Ramsey
88. “Remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus.”
89. “There are no shortcuts when it comes to getting out of debt.”
90. Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.” ― Dave Ramsey
91. “The German root word for ‘debt’ is the same as for ‘guilt.’” — Dave Ramsey
92. “No one got rich on a government program. Do not choose to be a common man. You can be uncommon.” ~ Dave Ramsey
93. “You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.” – Dave Ramsey
94. “Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.” ~ Dave Ramsey
95. “Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals.” ~ Dave Ramsey
96. People will not buy from you if they don’t trust you, your product, and your company.” — Dave Ramsey
97. The good thing about principles is that they make life easy. I have heard it said that when someone bases his life on principle, 99 percent of his decisions are already made.”— Dave Ramsey
98. “Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.” – Dave Ramsey
99. “To avoid criticism say nothing, do nothing, and be nothing.” I can’t help millions of people change their lives by saying nothing, doing nothing, and being nothing.”
100. “You can’t work three hours a week and make $100,000. Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality!”
101. “There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.”
102. “A little bit of controlled pain when you’re six will change your life when you’re thirty-six.”
103. “Businesses and entrepreneurs have become experts at microwaving rather than Crock-Potting their business plan. They are so worried about the moment, Q1 or Q2, that they lose their vision and their soul. They trade real, rich, abiding, deep success for the momentary win and then are constantly having to start over. Have a long-term vision and execute it. As the billionaire advised me, slow and steady wins the race.”
104. “Your greatest asset is your paycheck.” — Dave Ramsey
105. “The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.”
106. “So content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.”
107. “Work is a surefire money-making scheme.” — Dave Ramsey
108. The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth-building tool, but the truth is that the lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower-income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out.” — Dave Ramsey
109. “True leadership is servanthood. Put the interests of others at the center of your decisions.” — Dave Ramsey
110. “For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.” – Dave Ramsey
111. “Don’t even consider keeping up with the Joneses. They’re BROKE!” – Dave Ramsey
112. Savings without a mission is garbage.” — Dave Ramsey
113. “If you believe you can win. you can.” – Dave Ramsey
114. Making mistakes and learning from them is crucial to winning.” — Dave Ramsey
115. “It’s never too late to start.” – Dave Ramsey
116. Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices!” — Dave Ramsey
117. “Parents who let teens run around with unearned adult freedoms are naive and stupid.”
118. “Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.”
119. “You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.” ~ Dave Ramsey
120. “If you wouldn’t want your mother to buy the item or the service then don’t sell it.”
121. Take action and believe in yourself. Dreams do come true.
122. Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.” – Dave Ramsey
123. “If I loan money to a friend or relative, the relationship will be strained or destroyed. The only relationship that would be enhanced is the kind resulting from one party being the master and the other party a servant.”
124. “The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.” ~ Dave Ramsey
125. “Compramos cosas que no necesitamos con dinero que no tenemos a fin de impresionar a personas que no queremos.”
126. “There's a whole generation growing up thinking the government exists to care for them.”
127. “Being able to delay pleasure for a greater result is a sign of maturity.” Dave Ramsey
128. “Poor is a state of mind. Broke is, ‘I’m just passing through.” – Dave Ramsey
129. “People will not buy from you if they don’t trust you, your product, and your company.” — Dave Ramsey
130. “Remember, there’s ultimately only one way to financial peace, and that’s to walk daily with the Prince of Peace, Christ Jesus.”
131. “Again, college is important—very important—but it is not the answer to all your kids’ problems. I will be so bold as to say college isn’t even a need; it is a want. It isn’t a necessity; it is a luxury. This luxury is one of the first on my list, but not before retirement, not before an emergency fund, and certainly not as a reason to go into debt.”
132. “Knock out small debt first so you get a quick win. Momentum is key.” – Dave Ramsey
133. “Being able to delay pleasure for a greater result is a sign of maturity.” – Dave Ramsey
134. “One definition of maturity is learning to delay pleasure.” – Dave Ramsey
135. “Broke is normal. Why be normal?” – Dave Ramsey
136. “‘We are scaling down’ is a painful statement to make to friends or family.” – Dave Ramsey
137. “If broke people are making fun of your financial plan, you’re on track.”
138. “Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.” – Dave Ramsey
139. “The weird thing is that the more efficient, on task, on goal you are with your time, the more energy you have. Working with no traction, or for that matter simply wasting a day, does not relax you, it drains you.//
140. “People were running around buying things they couldn’t afford with money they didn’t have to impress people they didn’t even like,”
141. “It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.” ~ Dave Ramsey
142. “You must gain control over your money or the lack of it will forever control you.” —Dave Ramsey, author
143. Winning at money is 80 percent behavior and 20 percent head knowledge.” — Dave Ramsey
144. “If you will live like no one else, later you can live like no one else.” ~ Dave Ramsey
145. “If you don’t own the goal and it doesn’t come from your dream, then you won’t have the toughness to persevere when the going gets tough. Everyone who wins must push through obstacles, lots of them. Big goals require big backbone. Wimps need not apply.”
146. Debt gives you the ability to look like you’re winning when you’re not.” — Dave Ramsey
147. Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.” — Dave Ramsey
148. You must gain control over your money or the lack of it will forever control you.” –Dave Ramsey
149. “Debt has been sold to us so aggressively, so loudly, and so often that to imagine living without debt requires myth-busting.”
150. “The number one problem that causes student loan debt? Parents that suck.” – Dave Ramsey
151. “The first step in taking control of your money is to stop borrowing money. Start using cash today.” — Dave Ramsey
152. Rich isn't an amount of money, it's a mindset about how you live. If you believe you can win, you can.” — Dave Ramsey
153. “A budget is people telling their money where to go instead of wondering where it went.” You”
154. “Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy.”
155. “Stupid is not illegal.” — Dave Ramsey
156. I like the way I’ve built wealth better than the way you haven’t.” — Dave Ramsey
157. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich. — Dave Ramsey
158. We have a retirement crisis in America today not from a lack of money, but from a lack of vision.” — Dave Ramsey
159. “If you help enough people, you don’t have to worry about money.” Dave Ramsey
160. “The first step in taking control of your money is to stop borrowing money. Start using cash today.”
161. “Eighty percent of college graduates have credit card debt…before they even get a job!”
162. The love of money, not money, is root of all evil.” — Dave Ramsey
163. “Every person falls down at some point. Successful people choose to get back up!” – Dave Ramsey
164. “One way to do that is to sell something. You could sell lots of little stuff at a garage sale, sell a seldom-used item on the Internet, or sell a precious item through the classifieds. Get gazelle-intense and sell so much stuff that the kids are afraid they are next. Sell things that make your broke friends question your sanity. If your budget is stopped-up and your Debt Snowball won’t roll on its own, you are going to have to get radical.”
165. “You’ve got to tell your money what to do or it will leave.” Dave Ramsey
166. “We live in a culture full of hares; but the tortoise always wins.”
167. “Typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.” – Dave Ramsey
168. “The average millionaire can’t tell you who got thrown off the island last night.” ~ Dave Ramsey
169. Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this.” — Dave Ramsey
170. “Work is a sure-fire money-making scheme.” – Dave Ramsey
171. “That stupid saying "What you don't know can't hurt you" is ridiculous. What you don't know can kill you. If you don't know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear - but that doesn't mean you won't get killed.”
172. “Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!” – Dave Ramsey
173. “A natural saver is great until he never spends and is tight-fisted with giving. A natural spending is great until she finds herself deeply in debt and unable to give. A natural giver is great until there are no savings when a problem arises and there is no personal enjoyment of money.” – Dave Ramsey
174. “Remember, rewards come in action, not in discussion.”
175. “Usted no está enseñándole a su hijo de dieciséis años a tener responsabilidad con sus gastos cuando”
176. “A man with an experience is not at the mercy of a man with an opinion.”
177. “I don’t care what anybody says… being rich is a good thing.’ – Mark Cuban
178. “Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren't the exception.” — Dave Ramsey
179. “Ignorance is not lack of intelligence; it is lack of know how.” – Dave Ramsey
180. “If you want to be skinny, study skinny people, and if you want to be rich, do what lots of rich people do, not what some mythsayer says to do.”
181. “Personal finance isn’t rocket science. It’s just common sense. It’s how your grandparents lived. If you don’t have the money, you can’t buy it!”
182. “You must sell benefits, not products.”
183. Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals. – Dave Ramsey
184. “Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.” — Dave Ramsey
185. “Act your wage.” – Dave Ramsey
186. “I like the way I’ve built wealth better than the way you haven’t.” ~ Dave Ramsey
187. “What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.” ~ Dave Ramsey
188. Pray like it all depends on God, but work like it all depends on you.” — Dave Ramsey
189. “When we're dealing with money in relationships, when we're dealing with money in our personal lives, when we're dealing with money in our families, the flow of money in a family represents the value system under which that family operates.”
190. “If the US Government was a family—they would be making $58,000 a year, spending $75,000 a year, & are $327,000 in credit card debt. They are currently proposing BIG spending cuts to reduce their spending to $72,000 a year. These are the actual proportions of the federal budget & debt, reduced to a level that we can understand.”
191. “Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.” Dave Ramsey
192. “Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.” Dave Ramsey
193. If I loan money to a friend or relative, the relationship will be strained or destroyed. The only relationship that would be enhanced is the kind resulting from one party being the master and the other party a servant.” — Dave Ramsey
194. “Debt is dumb. Cash is king.” ~ Dave Ramsey
195. “Broke is normal. Why be normal?”
196. “The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.”
197. “Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That’s a good way to end up broke. We’ve got to resist the temptation to catch up with our parents in 18 months. Slow down. You have the rest of your life to play catch up. After all, it’s just stuff.”
198. “What to do isn’t the problem, doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.” – Dave Ramsey
199. “Those who never make mistakes work for those of us who do.” – Dave Ramsey
200. “Knock out a small debt first so you get a quick win. Momentum is key.” — Dave Ramsey
201. “Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.” ~ Dave Ramsey
202. “God gives every bird its food, but He does not throw it into the nest. J. G. HOLLAND”
203. “Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.” ~ Dave Ramsey
204. Your money needs to work for you, not lie around you.” — Dave Ramsey
205. “Debt is so ingrained into our culture that most Americans can’t even envision a car without a payment a house without a mortgage a student without a loan and credit without a card. We’ve been sold debt with such repetition and with such fervor that most folks can’t conceive of what it would be like to have NO payments.” – Dave Ramsey
206. “If you help enough people, you don’t have to worry about money.” – Dave Ramsey
207. “The enemy of ‘the best’ is not ‘the worst.’ The enemy of ‘the best’ is ‘just fine.’” – Dave Ramsey
208. A little bit of controlled pain when you’re six will change your life when you’re thirty-six.” — Dave Ramsey
209. “Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.” – Dave Ramsey
210. Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.” — Dave Ramsey
211. Knock out a small debt first so you get a quick win. Momentum is key.” — Dave Ramsey
212. “the borrower is slave to the lender”
213. “If you wouldn’t want your mother to buy the item or the service then don’t sell it.” — Dave Ramsey
214. “Debt is normal. Be weird.”
215. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.” — Dave Ramsey
216. “There’s a great place to go when you’re broke—to work!” ~ Dave Ramsey
217. “The average millionaire can’t tell you who got thrown off the island last night.”
218. “You have the clean canvas of a whole week before you. Paint well.” ~ Dave Ramsey
219. “You should always be dreaming. Dreaming is a sign you have hope.” – Dave Ramsey
220. “The German root word for ‘debt’ is the same as for ‘guilt.’” ~ Dave Ramsey
221. “Stupid is not illegal.” – Dave Ramsey
222. “Traction equals satisfaction”
223. “Those who never make mistakes work for those of us who do.” ~ Dave Ramsey
224. Live like no one else, so later you can live like no one else.” — Dave Ramsey
225. There's a great place to go when you're broke—to work!” — Dave Ramsey
226. “Great spirits have often encountered violent opposition from weak minds.” – Dave Ramsey
227. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.”
228. “the most important key to building wealth is becoming and remaining debt-free.”
229. “A budget is telling your money where to go instead of wondering where it went.” – Dave Ramsey
230. “The WORST thing you can do in this economy is get a second job! The BEST thing you can do is begin a home-based business!”
231. “People will not buy from you if they don’t trust you, your product, and your company.”
232. Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.” — Dave Ramsey
233. “Knock out a small debt first so you get a quick win. Momentum is key.” ~ Dave Ramsey
234. “You must plan your work and then work your plan.” – Dave Ramsey
235. “Baby Steps:
236. “If you invest $464 in a good mutual fund every month from age thirty to age seventy, you’ll end up with more than $5 million.”
237. “If you believe you can win, you can.” – Dave Ramsey
238. “If you invest $464 in a good mutual fund every month from age thirty to age seventy, you’ll end up with more than $5 million.” — Dave Ramsey
239. “Seth Godin says, “Instead of wondering when your next vacation is, maybe you should set up a life you don’t need to escape from.”
240. “because God has said, “Never will I leave you; never will I forsake you.” HEBREWS 13:5 NIV”
241. “Where you are today is the sum of every choice you’ve ever made. If you don’t like where you are, start making different choices!”
242. “Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.” — Dave Ramsey
243. “Debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice.”
244. “You are where you are right now financially as a sum total of the decisions you’ve made to this point.” – Dave Ramsey
245. “For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don't back down.” — Dave Ramsey
246. “Your transmission will go out. Your kid will need braces. It is almost as if God wants to see if you are really gazelle-intense. At this point, you are ready for a plastectomy—plastic surgery to cut up your credit cards.”
247. “seldom list my formal academic credentials because, honestly, I don’t think they are important. I have met so many broke people with financial credentials that I almost think it discredits me to have had formal training. Yes, I have a degree in finance. Yes, I have been or am licensed in real estate, insurance, and investments. Yes, I do have many of the stupid letters to put after my name. But the thing that qualifies me most to teach about money is that I have done stupid things with zeros on the end. I have been there, done that. I have a PhD in D-U-M-B.”
248. The first step in taking control of your money is to stop borrowing money. Start using cash today.” — Dave Ramsey
249. “Debt is normal. Be weird.” – Dave Ramsey
250. “There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.” — Dave Ramsey
251. “When you create a basic budget and stick to it, it will suddenly seem like you have more money.” ~ Dave Ramsey
252. “Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this.” — Dave Ramsey
253. “When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman.”
254. We are being taught by everything around us to have dessert before dinner. Now we are paying for our lack of knowledge and discipline.” — Dave Ramsey
255. “Someone who never has fun with money misses the point.” — Dave Ramsey
256. “I’m not against people having new cars. I’m against them having you. We spend a tremendous amount impressing somebody at the stoplight who we’ll never meet. It makes you broke and keeps you broke.”
257. “Making mistakes and learning from them is crucial to winning.” ~ Dave Ramsey
258. “I think the lie we've told people in the marketplace is that a degree gets you a job. A degree doesn't get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful.” — Dave Ramsey
259. “Most of the things we buy are wants. We call them needs, but they are wants.” – Dave Ramsey
260. “Life is not a snapshot, it’s a filmstrip.” ~ Dave Ramsey
261. Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this. — Dave Ramsey
262. “The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.” — Dave Ramsey
263. There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt.” — Dave Ramsey
264. “Winning at money is 80 percent behavior and 20 percent head knowledge.” ~ Dave Ramsey
265. “True leadership is servanthood. Put the interests of others at the center of your decisions.” ~Dave Ramsey
266. “We learned early on that if we help enough people, the money will come.” — Dave Ramsey
267. If you wouldn’t want your mother to buy the item or the service then don’t sell it.” — Dave Ramsey
268. “Delegation requires the willingness to pay for short term failures in order to gain long term competency.”
269. “Being the highly trained investment mogul that I am, I could certainly find places to put that money where it would earn more. Or would it? Remember, personal finance is personal. I have come to realize that Sharon’s peace of mind bought with the oversized emergency fund is a great return on investment. Guys, this can be a wonderful gift to your wife. An Emergency Fund Can”
270. “La mayoría de las personas no cambian hasta que el dolor de donde se encuentran excede al del cambio.”
271. “You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.” – Dave Ramsey
272. “After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it.” – Dave Ramsey
273. “There are no shortcuts when it comes to getting out of debt.” — Dave Ramsey
274. “It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.” – Dave Ramsey
275. “Work is doing it, discipline is doing it every day, diligence is doing it well every day.” – Dave Ramsey
276. “I’m a Christian. Years ago, I went broke, so I decided to run every part of my life according to the Bible. It sounds hokey, but it works. You run your marriage that way, and it works. It will work with business, too, and finances. Treat people like you want to be treated.” ~ Dave Ramsey, Dave Ramsey quotes from the bible
277. “Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.” — Dave Ramsey
278. “I suggest a Money Market account with no penalties and full check-writing privileges for your emergency fund. — Dave Ramsey
279. “Being willing to delay pleasure for a greater result is a sign of maturity.”
280. “If you will do the things others won't do, then someday, you will have the life others won't have.” — Dave Ramsey
281. “Get rich quick doesn't work. Crockpot mentality always defeats microwave mentality!” — Dave Ramsey
282. Your greatest asset is your paycheck.” — Dave Ramsey
283. “No matter how blessed or distressed you are financially, your first priority every month is to cover what I call the Four Walls. Think of it as the four walls that hold your house together. They are food, shelter, clothing, and transportation. If you have food in your belly, a roof over your head, clothes on your back, and a way to get to work tomorrow, you’ll live to fight another day.”
284. “Debt is dumb. Cash is king.” — Dave Ramsey
285. “Humpty Dumpty is hard to put back together, and so is trust.”
286. “Money is 80% behavior, 20% head knowledge. It’s what you do, not what you know.” ~ Dave Ramsey, Dave Ramsey quotes about money
287. “The love of money, not money, is the root of all evil.” – Dave Ramsey
288. “I can always tell which ones are serious and which aren’t. There’s something in their voices that communicates passion and conviction when they’re really excited about getting out of debt. But if they’re just playing around with the idea, if they’re simply curious about it, then their voices are flat. If I don’t hear any passion behind what they’re saying, I know they aren’t ready to cut up the credit cards and dump their debt for good. That’s because getting out of debt isn’t about solving a math problem; it’s about changing your life—and that requires a change of heart.”
289. “A goal without a plan is just a dream.” – Dave Ramsey
290. “You can control the controllables.”
291. A budget is telling your money where to go instead of wondering where it went.” — Dave Ramsey
292. “It’s never too late to turn things around. You are the only obstacle.” – Dave Ramsey
293. “Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality!” ~ Dave Ramsey
294. Goals are visions and dreams with work clothes on.” — Dave Ramsey
295. “I am not against the enjoyment of money. What I am against is spending money when you do not have money to begin with.” – Dave Ramsey
296. “Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.” – Dave Ramsey
297. “For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.”
298. “We are being taught by everything around us to have dessert before dinner. Now we are paying for our lack of knowledge and discipline.” ~ Dave Ramsey
299. “I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.” ~ Dave Ramsey
300. “Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.” – Dave Ramsey
301. I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.” — Dave Ramsey
302. “A year of intense exercise and watching what you eat will likely change the trajectory of your life physically. You will melt away fat, tone up muscle, feel better, and change your habits, likely for life. But only ten days of that exercise program won’t move the needle on the scale. To create big-time success you have to stay focused and stay intense over an extended period of time.”
303. “When we’re dealing with money in relationships, when we’re dealing with money in our personal lives, when we’re dealing with money in our families, the flow of money in a family represents the value system under which that family operates.” – Dave Ramsey
304. “You’ve got to tell your money what to do or it will leave.” ~ Dave Ramsey
305. “Pray like it all depends on God, but work like it all depends on you.”
306. “Savings without a mission is garbage.” — Dave Ramsey
307. “Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It’s just as important as life insurance.” ~ Dave Ramsey
308. “Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt.” ~ Dave Ramsey
309. “Life is not a snapshot, it’s a filmstrip.” – Dave Ramsey
310. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.”
311. “Instead, the top five jobs of Everyday Millionaires came out like this:
312. “She had the opportunity to spend time at Jesus’ feet, and, instead, she’s doing the dishes. I’ve done that! I’ve been so blinded by the work that I’ve totally missed the real blessing in a situation. That’s what we do when we think that money or wealth or possessions or God’s favor and blessings come only from our performance.”
313. “Success is a pile of failure that you are standing on.”
314. “When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman.” — Dave Ramsey
315. “Savings without a mission is garbage. Your money needs to work for you, not lie around you.” – Dave Ramsey
316. “You don’t build wealth with credit card rewards and airline miles. You can’t beat the credit card companies at their own game.”
317. “You must gain control over your money or the lack of it will forever control you.” ~ Dave Ramsey
318. “When we’re dealing with money in relationships, when we’re dealing with money in our personal lives, when we’re dealing with money in our families, the flow of money in a family represents the value system under which that family operates.”
319. “Where you are today is the sum of every choice you’ve ever made. If you don’t like where you are, start making different choices!” ~ Dave Ramsey
320. “Live like no one else, so later you can live like no one else.” ~ Dave Ramsey
321. “Doing a budget means learning an ancient and powerful word: no.” — Dave Ramsey
322. “The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.”
323. “The enemy of the best is not the worst. The enemy of the best is ‘just fine.” – Dave Ramsey
324. “MYTH: Car payments are a way of life; you’ll always have one. TRUTH: Staying away from car payments by driving reliable used cars is what the average millionaire does; that is how he or she became a millionaire.” — Dave Ramsey
325. Stupid is not illegal.” — Dave Ramsey
326. “There’s no good reason at all to have a credit card.”
327. Work is a surefire money-making scheme.” — Dave Ramsey
328. “Live like no one else, so later you can live like no one else.” — Dave Ramsey
329. “Where there is no vision, the people perish” (Proverbs 29:18 KJV).”
330. There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.” — Dave Ramsey
331. “The German root word for “debt” is the same as for “guilt.”
332. “Measure your wealth not by the things you have, but by the things for which you would not take money.” – Dave Ramsey
333. “If you’re the problem, that also means you’re the solution.” – Dave Ramsey
334. “Es verdaderamente difícil vender libros y cintas que enseñen la necesidad de realizar mucho trabajo duro, vivir con menos de lo que se gana, salir de deudas y vivir a base de un plan, pero estoy intentándolo, porque es la única manera de lograr buenos resultados.”
335. Earning a lot of money is not the key to prosperity. How you handle it is.” — Dave Ramsey
336. “The German root word for ‘debt’ is the same as for ‘guilt.”
337. “Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.”
338. “You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately!” — Dave Ramsey
339. “You can't be in debt and win. It doesn't work.”
340. “Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.”
341. If you will do the things others won't do then some day you will have the life others won't have.” — Dave Ramsey
342. A lower interest rate doesn't make a debt go away.” — Dave Ramsey
343. “Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.” — Dave Ramsey
344. If you invest $464 in a good mutual fund every month from age thirty to age seventy, you’ll end up with more than $5 million.” — Dave Ramsey
345. “Debt is so ingrained into our culture that most Americans can’t even envision a car without a payment a house without a mortgage a student without a loan and credit without a card. We’ve been sold debt with such repetition and with such fervor that most folks can’t conceive of what it would be like to have NO payments.” Dave Ramsey
346. “You must plan your work, and then work your plan.” – Dave Ramsey
347. “Fun can be bought with money, but happiness cannot.”
348. “You Can’t Just Think and Grow Rich, You’ve Got to Do Something With Those Thoughts”
349. “Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card.”
350. “Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.” ~ Dave Ramsey
351. “One of my pastors says that living right is not complicated; it may be difficult, but it is not complicated.”
352. Your priorities, passions, goals, and fears are shown clearly in the flow of your money.” — Dave Ramsey
353. “Parents who let teens run around with unearned adult freedoms are naive and stupid.” ~ Dave Ramsey
354. “A budget is people telling their money where to go instead of wondering where it went.”
355. “Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.” — Dave Ramsey
356. “Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.” ~ Dave Ramsey
357. “Money is 80% behavior, 20% head knowledge. It’s what you do, not what you know.” ~ Dave Ramsey
358. “Investing is important, but get debt-free first. That’s what frees up your income so you can win.”
359. “There is no shortcut to anyplace worth going.”
360. “If you don’t own the goal and it doesn’t come from your dream, then you won’t have the toughness to persevere when the going gets tough. And I will promise you that the going will get tough. There is never an exception—everyone who wins must push through obstacles, lots of them. You simply will not get up at dawn for your three-mile run because your wife wants you thinner. Big goals require big backbone—wimps need not apply.”
361. “A pyramid scheme is illegal and is where no product or service is sold; the business exists just to bring in recruiting fees. These still pop up from time to time and are an illegal cousin to the Ponzi or Madoff scheme because of the last-man rule. The last-man rule is, if you were to extend the company’s success until the last man on earth joined the business, would it be over because they only make money from recruiting and never the sale of a product or service? If it would, this is illegal.”
362. When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman.” — Dave Ramsey
363. “Debt is normal! So why be normal?” – Dave Ramsey
364. “cuanto más pronto usted comprenda que nadie se hace rico rápidamente usando información secreta, tanto mejor.”
365. “At the end of the day we are not selling, we are serving.”
366. “Ninety percent of making the right decision is the gathering of information. The bigger the decision, the more time you take, the more options you gather, and the more informed you should become.”
367. “In our National Study of Millionaires, we found that 67% have a paid-off home, and it took them an average of 11.2 years to pay it off. Take that in for a moment: Millionaires don't spend thirty years paying off their house. They pay it off in roughly ten years. They're also not living in a 10,000 square foot mansion. They live, on average, in a 2,600 square foot home they've been in an average of seventeen years.”
368. “For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don't back down.” - Dave Ramsey
369. “If people in America would get their finances together and start taking care of each other, we could put the government out of business.” ~ Dave Ramsey
370. “Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.” — Dave Ramsey
371. “It is hard to work your day job and spend a ton of hours on your business, but it is harder to make a mistake and lose your home in foreclosure because you jumped before the boat was close enough to the dock.”
372. “You never cash out a 401(k) or IRA to pay off debt, unless it’s to avoid a foreclosure or bankruptcy.” – Dave Ramsey
373. “Debt is so ingrained into our culture that most Americans can’t even envision a car without a payment a house without a mortgage a student without a loan and credit without a card. We’ve been sold debt with such repetition and with such fervor that most folks can’t conceive of what it would be like to have NO payments.”
374. “Twist and wring out the budget, work extra hours, sell something, or have a garage sale, but quickly get your $1,000. Most of you should hit this step in less than a month. If it looks as though it is going to take longer, do something radical. Deliver pizzas, work part-time, or sell something else. Get crazy. You are way too close to the edge of falling over a major money cliff here. Remember, if the Joneses (all the broke people) think you are cool, you are heading the wrong way. If they think you are crazy, you are probably on track.”
375. “Systematic, consistent investing is the tortoise that beats the hare in the race.” – Dave Ramsey
376. “People will not buy from you if they don’t trust you, your product, and your company.” ~ Dave Ramsey
377. I think the lie we've told people in the marketplace is that a degree gets you a job. A degree doesn't get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful.” — Dave Ramsey
378. “Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.” – Dave Ramsey
379. Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” — Dave Ramsey
380. “We want it all, and we can borrow to get it all, before we can afford it all.”
381. “If you wouldn’t want your mother to buy the item or service then don’t sell it.” – Dave Ramsey
382. “What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.” – Dave Ramsey
383. “Investing is important, but get debt-free first. That’s what frees up your income so you can win.” ~ Dave Ramsey
384. “As you will it, so shall it be.”
385. The accountability of a group environment causes people to change their behaviors.” — Dave Ramsey
386. “Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.” – Dave Ramsey
387. “A budget is telling your money where to go instead of wondering where it went.” Dave Ramsey
388. “It’s never too late to turn things around. You are the only obstacle.” Dave Ramsey
389. “If you as a leader allow people to halfway do their jobs and don’t demand excellence as a prerequisite to keeping their job, you will create a culture of mediocrity.”
390. “If you will do the things others won't do then someday you will have the life others won't have.” — Dave Ramsey
391. “Only if you mix knowledge with attitude, character, perseverance, vision, diligence, and extreme levels of work will your college degree produce for you.”
392. “Poor is a state of mind. Broke is, ‘I’m just passing through.'” – Dave Ramsey
393. “Ochenta por ciento de los que se gradúan de la universidad tienen deudas de tarjetas de crédito... ¡ antes de tener empleo!”
394. “Live no one else today, so you can live like no else tomorrow”
395. “A budget is telling your money where to go instead of wondering where it went.” — Dave Ramsey
396. “Pray like it all depends on God, but work like it all depends on you.” ~ Dave Ramsey
397. “Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.” ~ Dave Ramsey
398. “When you change your life, you really change your life.”
399. “Passion is so key in leading and creating excellence that I will hire passion over education and talent every time.”
400. You will either learn to manage money, or the lack of it will manage you.” — Dave Ramsey
401. “You must gain control over your money or the lack of it will forever control you.” —Dave Ramsey
402. “If you will make the sacrifices now that most people aren’t willing to make, later on you will be able to live as those folks will never be able to live.”
403. “The world will try to tell you that you need stuff to be somebody. Don’t listen” ~ Dave Ramsey
404. Act your wage.” — Dave Ramsey
405. I suggest a Money Market account with no penalties and full check-writing privileges for your emergency fund. — Dave Ramsey
406. “It’s never too late to turn things around. You are the only obstacle.”
407. “Measure your wealth not by the things you have, but by the things for which you would not take money.” — Dave Ramsey
408. “Poverty thinking is always focused on other people’s money, and it often gets obsessively focused on an unbiblical notion of equality (which we’ll discuss in more detail in the next chapter). If there are two people in a room, one rich and one broke, then a modern-day Robin Hood should come in, take the rich person’s money, and give it to the broke person. The fact that Robin Hood was a thief isn’t important.”
409. “Los resultados pueden ser devastadores. Recientemente, dos estudiantes universitarios en Oklahoma se dieron por vencidos por sus tarjetas de crédito y se suicidaron, dejando las cuentas en la cama junto a ellos.”
410. “Poor is a state of mind. Broke is, 'I'm just passing through.'”
411. ”Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.” – Dave Ramsey
412. “We learned early on that if we help enough people, the money will come.” ~ Dave Ramsey
413. “It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.”
414. “Si es un tonto y llega a hacerse rico, será el rey de los tontos. Si es generoso y llega a hacerse rico, será más generoso.”
415. “Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.” — Dave Ramsey
416. “For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.” ~ Dave Ramsey
417. “If you want something you’ve never had, you’ll have to do something you’ve never done.” – Dave Ramsey
418. “If you will make the sacrifices now that most people aren’t willing to make, later on you will be able to live as those folks will never be able to live.” – Dave Ramsey
419. “Knock out a small debt first so you get a quick win. Momentum is key.“
420. “Humpty Dumpty is hard to put back together—and so is trust.” — Dave Ramsey
421. “You wanna blow money? Put it in a “blow” category in your budget. But at least admit it on paper!”
422. “Money is like a beautiful thoroughbred horse—very powerful and always in action. But unless this horse is trained when very young, it will be an out-of-control and dangerous animal when it grows to maturity.” ~ Dave Ramsey
423. “I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would win with money.”
424. “Sharon and I have a great marriage—not perfect, but great. Why? We read about marriage, we go to marriage retreat weekends, we date weekly, we sometimes take a Sunday school class on marriage, and we even meet once in a while with a friend who is a Christian marriage counselor. Do we do all these things because our marriage is weak? No, we do all these things to make our marriage great. We have a great marriage because we work at it, make it a priority, and seek knowledge on marriage. Great marriages don’t just happen. Wealth”
425. A typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.” — Dave Ramsey
426. “Doing a budget means learning an ancient and powerful word: NO.”
427. “Savings without a mission is garbage. Your money needs to work for you, not lie around.” – Dave Ramsey
428. “The enemy of the best is not the worst. The enemy of the best is just fine.” – Dave Ramsey
429. “La Rochefoucauld once said, “The most untutored person with passion is more persuasive than the most eloquent without.”
430. “Being willing to delay pleasure for a greater result is a sign of maturity.” ~ Dave Ramsey
431. “The number one problem that causes student loan debt? Parents that suck.” — Dave Ramsey
432. “Money... is like a beautiful thoroughbred horse - very powerful & always in action, but unless this horse is trained when very young, it will be an out-of-control & dangerous animal when it grows to maturity.”
433. “There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt.” — Dave Ramsey
434. “Work is a surefire money-making scheme.” ~ Dave Ramsey
435. “El Instituto Estadounidense de Bancarrotas revela que 19% de las personas que se declararon en bancarrota el año pasado eran estudiantes universitarios.”
436. “We have a retirement crisis in America today not from a lack of money, but from a lack of vision.” — Dave Ramsey
437. “Financial Security is not enough money to buy toys. That is to learn to live with less money than you earn. So, you can help other individuals or investors. You are not a winner until done it” ~ Dave Ramsey
438. “Henry Ford said, “Those who never make mistakes work for those of us who do.”
439. “If we aren’t profitable by December 20, I will close the business.” That would leave him about $800,000, plus his retirement money and home, and he would do something else to earn a living.”
440. “Debt is normal! So why be normal?”
441. Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.” – Dave Ramsey
442. “We have discussed the new-car purchase in its various forms for the last several pages. No, you can’t afford a new car unless you are a millionaire and can, therefore, afford to lose thousands of dollars, all in the name of the neat new-car smell. A good used car that is less than three years old is as reliable or more reliable than a new car. A new $28,000 car will lose about $17,000 of value in the first four years you own it. That is almost $100 per week in lost value. To understand what I’m talking about, open your window on your way to work once a week and throw out a $100 bill.”
443. “The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.” Dave Ramsey
444. “Investing is important, but get debt-free first. That’s what frees up your income so you can win.” – Dave Ramsey
445. “We said it should be enough to cover three to six months of expenses, but should you go with three months or six months? If you think about the purpose of this fund, it will help you determine what is right for you. The purpose of the fund is to absorb risk, so the more risky your situation, the greater the emergency fund you should have. For example, if you earn straight commission or are self-employed, you should use the six-months rule. If you are single or you are a one-income married household, you should use the six-months rule because a job loss in your situation is a 100 percent cut in household income.”
446. “Aristotle once said, “To avoid criticism say nothing, do nothing, and be nothing.”
447. The German root word for ‘debt’ is the same as for ‘guilt.’” — Dave Ramsey
448. “The goal is not to be normal, because as my radio listeners know, normal is broke.” – Dave Ramsey
449. “Humpty Dumpty is hard to put back together—and so is trust.” ~ Dave Ramsey
450. “Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, vision cleared, ambition inspired, and success achieved. HELEN KELLER”
451. “Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices!” — Dave Ramsey
452. “If you will do the things others won’t do, then some day, you will have the life others won’t have.” ~ Dave Ramsey
453. “There is no such thing as good debt. The credit card is the cigarette of the financial world. The borrower is always a slave to the lender.”
454. “Winning at money is 80% behavior and 20% head knowledge.” – Dave Ramsey
455. Money moves from those who do not manage it to those who do.” – Dave Ramsey
456. “This is a book about winning,”
457. “The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account.”
458. “Your budget must balance! You are not Congress!”
459. “Foundations in Personal Finance.”
460. When I do something stupid with money and lose it, I call that Stupid Tax. I have paid so much Stupid Tax that I am expert.” — Dave Ramsey
461. “Change is painful. Few people have the courage to seek out change.” – Dave Ramsey
462. “Measure your wealth not by the things you have, but by the things for which you would not take money.” ~ Dave Ramsey
463. “Debt is not a tool; it is a method to make banks wealthy, not you.” – Dave Ramsey
464. “Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.” – Dave Ramsey
465. “The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth-building tool, but the truth is that the lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower-income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out.” — Dave Ramsey
466. “If you will do the things others won't do then some day you will have the life others won't have.”
467. “Nothing was left to chance; every smell, every piece of furniture, and certainly the design of the floor plans made these model homes world-class.”
468. “Debt is dumb. Cash is king.” – Dave Ramsey
469. “Savings without a mission is garbage.” ~ Dave Ramsey
470. “One reason people make bad decisions is they don’t have a good decision as one of their options.” – Dave Ramsey
471. “The first step in taking control of your money is to stop borrowing money. Start using cash today.” ~ Dave Ramsey
472. “It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.” — Dave Ramsey
473. “The love of money, not money, is root of all evil.”
474. I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.” — Dave Ramsey
475. “Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.” Dave Ramsey
476. “We buy things we don't need with money we don't have to impress people we don't like.”
477. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” — Dave Ramsey
478. “The number one cause of bankruptcy today is medical bills; number two is credit cards.” – Dave Ramsey
479. “I like the way I’ve built wealth better than the way you haven’t.” — Dave Ramsey
480. There are no shortcuts when it comes to getting out of debt.” — Dave Ramsey
481. “Living on less than you make is a matter of controlling yourself, not a matter of math.” – Dave Ramsey
482. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” – Dave Ramsey
483. “If you buy a $28,000 car, in four years it will be worth about 11,000 bucks.” ~ Dave Ramsey
484. “Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.“
485. “Earning a lot of money is not the key to prosperity. How you handle it is.”
486. “I would not pre-pay. I would invest instead and let the investments cover it.” ~ Dave Ramsey
487. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.” ~ Dave Ramsey
488. “People who change their values, their ethics, are not trustworthy and should be avoided.”
489. “Ideas are a dime a dozen. People who execute them are not.”
490. “Dreaming is a sign you have hope.” — Dave Ramsey
491. “A typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.” ~ Dave Ramsey
492. “Broke people giving financial advice is like a shop teacher with missing fingers.” — Dave Ramsey
493. “Pray like it all depends on God, but work like it all depends on you.” — Dave Ramsey
494. “Winning at money is 80 percent behavior and 20 percent head knowledge.” Dave Ramsey
495. “Good to Great by my friend Jim Collins.”
496. Parents who let teens run around with unearned adult freedoms are naive and stupid.” — Dave Ramsey
497. There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.” — Dave Ramsey
498. “A goal without a plan is just a dream.” Dave Ramsey
499. “If you can make the customer feel the way you do about your product, then your customer will buy your product.”
500. “So content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.” – Dave Ramsey
501. “Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.” ~ Dave Ramsey
502. “Every person falls down at some point. Successful people choose to get back up!” ~ Dave Ramsey
503. “The reality is that Murphy doesn’t visit as much, but when he does, we hardly notice his presence. When Sharon and I were broke, our heating-and-air system quit, and the repair cost $580. It was a huge, hairy deal. Recently I had a new $570 water heater installed because the old one started leaking, and I hardly noticed. I wonder if the stress relief that your Total Money Makeover provides will allow you to live longer?”
504. “A budget is telling your money where to go instead of wondering where it went.”
505. “We have been sold debt with such repetition and with such fervor that most folks cannot conceive what it would be like to have no payments.” – Dave Ramsey
506. “Pray like it all depends on God, but work like it all depends on you.” Dave Ramsey
507. “Savings without a mission is garbage. Your money needs to work for you, not lie around you.”
508. Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.” — Dave Ramsey
509. “The reason you are afraid of investing is because you do not know what you are getting into. Learn about investments.” – Dave Ramsey
510. “Bosses push, Leaders pull. Real leadership is servant leadership.” — Dave Ramsey
511. “Your priorities, passions, goals, and fears are shown clearly in the flow of your money.” — Dave Ramsey
512. “A budget is telling your money where to go instead of wondering where it went.” ― Dave Ramsey
513. “The problem with your company is not the economy, it is not the lack of opportunity, it is not your team. The problem is you. That is the bad news. The good news is, if you're the problem, you're also the solution. You're the one person you can change the easiest. You can decide to grow. Grow your abilities, your character, your education, and your capacity. You can decide who you want to be and get about the business of becoming that person.”
514. “Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, vision cleared, ambition inspired, and success achieved.” – Dave Ramsey
515. You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately!” — Dave Ramsey
516. “If you’re married, agree on the budget with your spouse. This one sentence requires a stand-alone book to describe how, but the bottom line is this: if you aren’t working together, it is almost impossible to win. Once the budget is agreed on and is in writing, pinky-swear and spit-shake that you will never do anything with money that is not on that paper. The paper is the boss of the money, and you are the boss of what goes on the paper, but you have to stick to the budget, or it’s just an elaborate theory.”
517. Earning a lot of money is not the key to prosperity. How you handle it is.” – Dave Ramsey
518. “Live like no else today, so you can live like no else tomorrow.” Dave Ramsey
519. “investments are like manure. Left in one pile, it starts to stink. But when you spread it around, it grows things. I bet your financial guy never laid it out like that!”
520. “Poor is a state of mind. Broke is, “I’m just passing through.”
521. Doing a budget means learning an ancient and powerful word: no.” — Dave Ramsey
522. “You must gain control over your money or the lack of it will forever control you.”
523. “Remember, there’s ultimately only one way to financial peace, and that’s to walk daily with the Prince of Peace, Christ Jesus.” ~ Dave Ramsey
524. “We are scaling down” is a painful statement to make to friends or family.”
525. “You must gain control over your money or the lack of it will forever control you.” – Dave Ramsey
526. “There’s not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.” ~ Dave Ramsey
527. “Broke people giving financial advice is like a shop teacher with missing fingers.”
528. “Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.”
529. “We live in a culture full of hares; but the tortoise always wins.” ~ Dave Ramsey
530. If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.” — Dave Ramsey
531. You are the only person who can truly change your life. – Dave Ramsey
532. “People who change their values, their ethics, are not trustworthy and should be avoided.” – Dave Ramsey
533. “you find yourself unable to stop micromanaging, ask yourself if your team has a problem. You may have to reorganize or bring in some more talented people who have the capacity to earn the right to be delegated to. If your team continually drops the ball you are right to micromanage until they don’t drop the ball or you get some new team members.”
534. “To avoid criticism say nothing, do nothing, and be nothing.”
535. “Those who don’t manage their money will always work for those who do.” Dave Ramsey
536. “Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.” Dave Ramsey
537. Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.” –Dave Ramsey
538. “out-of-bounds marker or the game is hard to play. One of the leading causes of small-business failure is success”
539. “Opening your hands will set you free.” ~ Dave Ramsey
540. “Ignorance is not okay. ‘What you don’t know won’t hurt you.’ is a really stupid statement. What you don’t know will kill you.” – Dave Ramsey
541. I believe that through knowledge and discipline, financial peace is possible for all of us.” — Dave Ramsey
542. “Credit is an ‘I love debt’ score.”
543. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.” Dave Ramsey
544. “A good man leaves an inheritance to his children’s children.” ~ Dave Ramsey
545. “Your greatest asset is your paycheck. Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It’s just as important as life insurance.” ~ Dave Ramsey
546. “I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.” — Dave Ramsey
547. “We also glory in tribulations, knowing that tribulation produces perseverance; and perseverance, character; and character, hope. Now hope does not disappoint, because the love of God has been poured out in our hearts by the Holy Spirit who was given to us. ROMANS 5:3–5 NKJV”
548. “Earning a lot of money is not the key to prosperity. How you handle it is.” — Dave Ramsey
549. “You will either learn to manage money, or the lack of it will manage you.” ~ Dave Ramsey
550. “If you are trying to get momentum in marketing, business, marriage, your physical condition, or your parenting, take your best focused intensity over time and multiply it by God for unstoppable momentum.”
551. “Financial winners don’t run sprints, they run marathons. They don’t rush. They do it step by step over time.” ~ Dave Ramsey
552. “I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.”
553. Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.” — Dave Ramsey
554. “should always be dreaming. Dreaming is a sign you have hope.”
555. “We have a retirement crisis in America today nor from a lack of money, but from a lack of vision”
556. “When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman.” – Dave Ramsey
557. “You must plan your work and then work your plan.”
558. “You must gain control over your money or the lack of it will forever control you.” ―Dave Ramsey
559. You must gain control over your money or the lack of it will forever control you.” —Dave Ramsey
560. “My grandmother used to say, “Those convinced against their will are of the same opinion still.”
561. “Debt is so ingrained into our culture that most Americans can’t even envision a car without a payment … a house without a mortgage … a student without a loan … and credit without a card. We’ve been sold debt with such repetition and with such fervor that most folks can’t conceive of what it would be like to have NO payments.” ~ Dave Ramsey, Dave Ramsey quotes about debt
562. “If you will live like no one else, later you can live like no one else.”
563. “Winning at money is 80 percent behavior and 20 percent head knowledge.”
564. “Dreaming is a sign you have hope.” ~ Dave Ramsey
565. “Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.” — Dave Ramsey
566. “If you want something you’ve never had, you’ll have to do something you’ve never done.”