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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.”


567. “People with the spirit of pride believe that money only comes from hard work and force of will. These are performance-based individuals who believe their wealth (and maybe even their spiritual growth) is 100 percent tied to their effort.”


568. “Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.” ~ Dave Ramsey


569. “Your largest wealth-building asset is your income. When you tie up your income, you lose. When you invest your income, you become wealthy and can do anything you want.”


570. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.” – Dave Ramsey


571. “Diligence = disciplined excellence over time.”


572. “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


573. Humpty Dumpty is hard to put back together—and so is trust.” — Dave Ramsey


574. Saving must become a priority, not just a thought. Pay yourself first.” – Dave Ramsey


575. “Broke people giving financial advice is like a shop teacher with missing fingers.” – Dave Ramsey


576. “You will only sacrifice when you passionately believe in the outcome.” ~ Dave Ramsey


577. “Work—get paid; don't work—don’t get paid. Everybody is on commission.” — Dave Ramsey


578. “Millionaires own a paid for home and maybe a beach condo. Millionaires probably live just down the block from you in a normal residential neighborhood. Millionaires often still cut their own grass.”


579. “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


580. “No one accidently wins.” – Dave Ramsey


581. Dreaming is a sign you have hope.” — Dave Ramsey


582. “You can see that I’ve heard all the excuses and complaints, but here’s the deal: budgeting is crucial to your success. Your income is your responsibility. If you get to retirement with a mountain of debt and nothing to live on, it’s no one else’s fault. But beyond the obvious financial benefits to taking control of your money, there are a ton of other reasons to pull out the budget forms every month.”


583. “Las personas arruinadas usan tarjetas de crédito; las personas ricas, no.”


584. “When credit cards stay out of your wallet, money stays in!”


585. “Contentment is both the fruit and the tree.” ~ Dave Ramsey


586. “Literally billions of credit-card offers hit our mailboxes and in-boxes every year, and we are taking advantage of those offers.”


587. “Author and counselor Dennis Rainey of FamilyLife explains that women are traditionally more verbal than men. I’ve heard him say men usually speak about 10,000–20,000 words a day, while women speak 30,000–50,000 words per day—with gusts up to 125,000! That’s why a lot of guys come home from a busy day at work, hit the sofa, and don’t say a word. They can’t. They’ve already used up their quota.”


588. “Children do what feels good. Adults devise a plan and follow it.” – Dave Ramsey


589. 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


590. “A lower interest rate doesn't make a debt go away.” — Dave Ramsey


591. “Earning a lot of money is not the key to prosperity. How you handle it is.” ~ Dave Ramsey


592. “The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.” – Dave Ramsey


593. “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


594. “The rich rule over the poor, and the borrower is slave to the lender” (NIV).”


595. “I think what y'all are doing is great." (The Dave Ramsey Show, September 2012)”


596. “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


597. “You must gain control over your money or the lack of it will forever control you.” Dave Ramsey


598. If you will do the things others won't do, then some day, you will have the life others won't have.” — Dave Ramsey


599. “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


600. “Goals are visions and dreams with work clothes on.” ~ Dave Ramsey


601. Measure your wealth not by the things you have, but by the things for which you would not take money.” — Dave Ramsey


602. “When we participate in what the crowd identifies as normal, even if it is stupid, we gain acceptance into the club. Sometimes we don't even realize what we are doing is stupid because we have been taught that it's just "the way you do it", and so we never ask why. As we participate in the myth, we learn to spout the principles of the myth. After the years go by and we have invested more money and time into the myth, we become great disciples and can preach the points of the myth with great fervor and volume. We become such experts on the myth that we can sell others on joining the lie. I once joined the lie, but no more.”


603. “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


604. “It is the duty of the good people to get wealth to keep it from the bad people, because the good people will do good with it. If we all abandon money because some misguided souls view it as evil, then the only ones with money will be the pornographer, the drug dealer, or the pimp.” – Dave Ramsey


605. “You will either learn to manage money, or the lack of it will manage you.” — Dave Ramsey


606. “I believe that through knowledge and discipline, financial peace is possible for all of us.” Dave Ramsey


607. “In 1 Timothy 6:17, Paul tells Timothy, his young apprentice, “Command those who are rich in this present age not to be haughty, nor to trust in uncertain riches but in the living God, who gives us richly all things to enjoy.”


608. “Obtener una tarjeta de crédito para su adolescente es un excelente modo de enseñarle a ser financieramente irresponsable. Por eso los adolescentes son ahora el blanco número uno de las compañías de tarjetas de crédito.”


609. “Wealth-building is a crockpot, not a microwave.”


610. “A little bit of controlled pain when you’re six will change your life when you’re thirty-six.” ~ Dave Ramsey


611. “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!”


612. Someone who never invests money will never have any. — Dave Ramsey


613. “The lottery is a tax on poor people and on people who can’t do math.” – Dave Ramsey


614. “I want you to have some nice stuff; I just don't want your nice stuff to have you.”


615. “Doing a budget means learning an ancient and powerful word: NO.” ~ Dave Ramsey


616. “A lot of beginners in business think of marketing merely as selling.”


617. “True leadership is servanthood. Put the interests of others at the center of your decisions.” ~ Dave Ramsey


618. “If you keep doing the same things, you will keep getting the same results. You are where you are now financially as a sum total of the decisions you've made to this point.”


619. Someone who never has fun with money misses the point.” — Dave Ramsey


620. “You must sell benefits, not products.” – Dave Ramsey


621. “John Maxwell says a budget (for your money) is telling your money where to go instead of wondering where it went. Managing time is the same; you will either tell your day what to do or you will wonder where it went.”


622. “Life is not a snapshot, it's a filmstrip.” — Dave Ramsey


623. “Los adolescentes estadounidenses se ven a sí mismos como adultos si poseen una tarjeta de rédito, un teléfono celular y una licencia de manejar.”


624. “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.” Dave Ramsey


625. “Parents who let teens run around with unearned adult freedoms are naive and stupid.” — Dave Ramsey


626. “70% of Americans live paycheck to paycheck. Seven out of ten people you walk past going down the sidewalk are broke. You can model your life after them, and you will be one of them. Or you can mode your life after the weird people. Because wealth is unusual. It’s not normal. So you have to engage in unusual behaviors and habits to create unusual results”


627. “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.”


628. “The Poverty Game Plan:


629. “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.” – Dave Ramsey


630. “I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.” – Dave Ramsey


631. “There’s a great place to go when you’re broke – to work!”


632. “Your money needs to work for you, not lie around you.” ~ Dave Ramsey


633. 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


634. “Debt is dumb. Cash is king.”


635. “More wealth doesn’t fix your life. More wealth makes you more of what you already are.” ~ Dave Ramsey


636. “Someone who never has fun with money misses the point.” ~ Dave Ramsey


637. “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


638. “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.” ~ Dave Ramsey


639. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” Dave Ramsey


640. “Only the strong can help the weak, and that is true of money too.” – Dave Ramsey


641. “Too many people buy things they don’t need with money they don’t have to impress people they don’t like.” – Dave Ramsey


642. “Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.” ~ Dave Ramsey


643. 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


644. “Making mistakes and learning from them is crucial to winning.” — Dave Ramsey


645. “Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.” Dave Ramsey


646. “People are in such a hurry to launch their product or business that they seldom look at marketing from a bird’s eye view and they don’t create a systematic plan.” ~ Dave Ramsey


647. “Responsible use of a credit card really doesn’t exist.”


648. “Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.” ― Dave Ramsey


649. “Bosses push, Leaders pull. Real leadership is servant leadership.” ~ Dave Ramsey


650. “If you keep doing the same things, you will keep getting the same results. You are where you are now financially as a sum total of the decisions you’ve made to this point.” – Dave Ramsey


651. “A budget is just telling your money where to go, instead of wondering where it went.”


652. 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.” – Dave Ramsey


653. 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


654. “Remember, whether you are fourteen or fifty-four, a budget represents intentional living.”


655. “Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.” ~ Dave Ramsey


656. “Gratitude is really, really attractive. A child who is genuinely grateful makes you want to do anything for her, and that is true of adults as well.” ~ Dave Ramsey


657. “True leadership is servanthood. Put the interests of others at the center of your decisions.”


658. “Every person falls down at some point. Successful people choose to get back up!”


659. “Henry Ford, who definitely had more than enough, said, “Failure is the opportunity to begin again more intelligently.”


660. “If you will live like no one else, later you can live like no one else.” – Dave Ramsey


661. “I believe that through knowledge and discipline, financial peace is possible for all of us.”


662. “The enemy of ‘the best’ is not ‘the worst’. The enemy of ‘the best’ is ‘just fine’. Dave Ramsey


663. The goal is to not be normal, because as my radio listeners know, normal is broke. — Dave Ramsey


664. “Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.” – Dave Ramsey


665. “People will not buy from you if they don’t trust you, your product, and your company.” – Dave Ramsey


666. “There’s no positive side to credit card use. Even if you pay the bill on time, you’re not beating the system.”


667. “If you help enough people, you don’t have to worry about money.”— Dave Ramsey


668. “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


669. “You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.”


670. “Great talent stands in line to join your team because the culture becomes the stuff of legend.” ~ Dave Ramsey


671. “No one wins the superbowl accidentally. Be intentional, be passionate, don’t mail it in! You got this!” – Dave Ramsey


672. A good man leaves an inheritance to his children’s children.” — Dave Ramsey


673. “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.”


674. “No one wins the Super Bowl accidentally. Be intentional. Be Passionate. Don't mail it in! You got this!” — Dave Ramsey


675. “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


676. “We enjoy earning interest now, rather than paying it.”


677. “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


678. “I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.” ~ Dave Ramsey


679. “Fear is the enemy of hope.”


680. “Baby Step Four: Invest 15 Percent of Your Income in Retirement Those of you concerned about retirement are relieved we have finally gotten to this step. Those who have been living in denial are wondering what all the fuss is about. Baby Step Four is time to get really serious about your wealth building.”


681. “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.”


682. “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


683. “know where you are weak, and take action to make sure you don’t fall prey to the weakness.” – Dave Ramsey


684. 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


685. “15 percent of success could be attributed to training and education, while 85 percent was attributed to attitude, perseverance, diligence, and vision.”


686. “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


687. “Debt is normal. Be weird.” —Dave Ramsey, author


688. “Stupid is not illegal.” ~ Dave Ramsey


689. “The other huge qualifier is that I used the principles I teach to personally build wealth. My wife and I have truly lived this book. The things we teach are not theory—they work!”


690. “Outrageous generosity is a character quality of people who win with money.”


691. “You can afford to do these things because when you do them, your money position is hardly even affected.”


692. “Goals are visions and dreams with work clothes on.” — Dave Ramsey


693. “Business is really not that hard. You are, however, required to do the basics or you will not win.”


694. “To avoid criticism, say nothing, do nothing, and be nothing.” – Dave Ramsey


695. “We worry about our health and focus on our money only after they’re gone.” – Dave Ramsey


696. “The love of money, not money, is the root of all evil.” — Dave Ramsey


697. “Hope is steel covered in velvet. It can seem soft and cuddly, but hope is at the core of what makes people become what God designed them to be. Hope and its sister, faith, always create action.” – Dave Ramsey


698. “You can get anywhere if you simply go one step at a time.” Dave Ramsey


699. “I finally realized that results are generated by activities. If I manage my activities then the results I want occur.” – Dave Ramsey


700. “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


701. “The haves and have-nots can often be traced back to the dids and did-nots. D. O. FLYNN”


702. “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.” Business is way too hard to work at something just for money.”


703. “Over the long term you get what you deserve, and none of us like it when what we deserve is pain.”


704. “Measure your wealth not by the things you have, but by the things for which you would not take money.”


705. “The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.” ~ Dave Ramsey


706. “I like the way I’ve built wealth better than the way you haven’t.”


707. We learned early on that if we help enough people, the money will come.” — Dave Ramsey


708. “The fact is, most people in our nation today believe that debt is NORMAL, and in most cases, NECESSARY. They can’t imagine living a cash-and-carry life or a life in which all things they own are purchased outright with cash at the time of purchase— in other words, with no payment plan or use of credit cards.”


709. “Hope is steel covered in velvet. It can seem soft and cuddly, but hope is at the core of what makes people become what God designed them to be. Hope and its sister, faith, always create action.”


710. 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


711. “I believe that through knowledge and discipline, financial peace is possible for all of us.” ~ Dave Ramsey


712. “Fear is the enemy of hope.” ~ Dave Ramsey


713. “Measure your wealth not by the things you have, but by the things for which you would not take money.” Dave Ramsey


714. “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.”


715. The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.” — Dave Ramsey


716. “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


717. “Work—get paid; don’t work—don’t get paid. Everybody is on commission.” ~ Dave Ramsey


718. “Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.”


719. “Getting a credit card for your teen is a great way to teach them to be financially irresponsible. That’s why teenagers are now the number one target of credit card companies.”


720. “Act your wage.” ~ Dave Ramsey


721. “Visa’s Zero Liability policy covers all Visa credit—and debit-card transactions processed over the Visa network. Visa extends the same protections and benefits to its debit cards as it does to credit cards—including the ability for credit-card issuers to resolve merchant disputes on the cardholder’s behalf if goods were defective or weren’t received, you were overcharged, or for other reasons.”


722. “You have the clean canvas of a whole week before you. Paint well.” — Dave Ramsey


723. “Goals convert vision into energy. When you lay out exactly what you want to do in detail, you immediately start feeling the room move and the earth shake. You are pulled into your new life like some scene from a movie. Goals help make great men. J. C. Penney once said, “Give me a stock clerk with a goal, and I will give you a man who will make history. Give me a man without a goal and I will give you a stock clerk.”


724. “Parents, you need to understand something: someone is going to teach your kids about money. It will either be you, or it will be a shady car dealer, a credit card pusher on your child’s first day at college, a get-rich-quick infomercial pitchman, or just some clown who’s after their money. If you want to protect your kids, you need to send them out into the world with some knowledge.”


725. “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.” ~ Dave Ramsey


726. I would not pre-pay. I would invest instead and let the investments cover it.” — Dave Ramsey


727. “You must plan your work and then work your plan.” Dave Ramsey


728. “I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.”


729. “I believe that through knowledge and discipline, financial peace is possible for all of us.” — Dave Ramsey


730. “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.” – Dave Ramsey


731. “The key to winning any battle is to identify the enemy.” – Dave Ramsey


732. “one reason to have a Total Money Makeover is to build wealth that allows you to have fun. So have some fun! Taking your family, even the extended ones, on a seven-day cruise, buying large diamonds, or even buying a new car are things you can afford to do when you have millions of dollars. You can afford to do these things because when you do them, your money position is hardly even affected. If you like travel, travel. If you like clothes, buy some. I am releasing you to have some fun with your money, because money is to be enjoyed. That guilt-free enjoyment is one of the three reasons to have a Total Money Makeover.”


733. “Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.” – Dave Ramsey


734. “A little bit of controlled pain when you’re six will change your life when you’re thirty-six.” — Dave Ramsey


735. “The average millionaire drives a two-year-old car with no payments.” – Dave Ramsey


736. “The spirit of gratitude says thank you. Thank You for giving me the money to take care of my family and put food on the table. Thank You for the ability to buy a decent car and take my wife on a great vacation. Thank You for providing for my needs today and my retirement tomorrow. Thank You for Your principles on how to handle money because using them has allowed me to change my family tree and leave a legacy that will outlive me. At its core, the spirit of gratitude says, God, I’m going to manage this wealth and this stuff Your way—because it’s Yours. Thank You for trusting me to manage it for You.”


737. “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.


738. “A natural saver is great until he never spends and is tight-fisted with giving. A natural spender 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.”


739. “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


740. “Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.” ~ Dave Ramsey


741. “A budget is telling your money where to go instead of wondering where it went.” ~ Dave Ramsey


742. “Great spirits have often encountered violent opposition from weak minds.”


743. “To make more money, you have to plan to make more money. Some people’s problem is income, not spending.” – Dave Ramsey


744. “If you have a customer who is able to make the purchase, they trust you, and you have shown them the benefits of the purchase, they will close themselves; you do not need some arm-twisting technique.”


745. “College degrees do not ensure wealth.” – Dave Ramsey


746. “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.”


747. “You see, if you will live like no one else, later you can live like no one else.”


748. “President John F. Kennedy said, “There are costs and risks to a program of action, but they are far less than the long-range risks and costs of comfortable inaction.”


749. “If you had saved $20 per week for just ten weeks, you could have bought the scratch-and-dent model off the floor at the same Rent-to-Own store for $200! Or you could have bought a used set out of the classifieds or online. It pays to look past the weekend and suffer through going to the Laundromat with your quarters. When you think short term, you always set yourself up for being ripped off by a predatory lender. If the Red-Faced Kid (“I want it, and I want it now!”) rules your life, you will stay broke!”


750. “Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt.”


751. “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


752. Teaching kids about money is never just about money.” – Dave Ramsey


753. “Requiring nothing of a child gives them no opportunity for failure or success.” – Dave Ramsey


754. “Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.”


755. “Adults devise a plan and follow it, children do what feels good.”


756. 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


757. “Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.” Dave Ramsey


758. “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.”


759. 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


760. “Broke people giving financial advice is like a shop teacher with missing fingers.” ~ Dave Ramsey


761. “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. It’s not going to work.” – Dave Ramsey


762. “Live like no else today, so you can live like no else tomorrow.” – Dave Ramsey


763. Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.” — Dave Ramsey


764. “Fun can be bought with money, but happiness cannot.” — Dave Ramsey


765. “Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!”


766. “If you will do the things others won’t do then some day you will have the life others won’t have.” ~ Dave Ramsey


767. “If you are going to open a retail store you would want to consider Christmas. Most retailers make the majority of their entire year’s income between”


768. “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.”


769. “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


770. “You can’t be in debt and win. It doesn’t work.” – Dave Ramsey


771. “When leadership sets the goals by themselves they are not goals, they are quotas. And no one likes quotas.”


772. “Those who don’t manage their money will always work for those who do” ~ Dave Ramsey


773. No one got rich on a government program. Do not choose to be a common man. You can be uncommon.” — Dave Ramsey


774. “The enemy of “the best” is not “the worst”. The enemy of “the best” is “just fine“.” – Dave Ramsey


775. “I believe that through knowledge and discipline, financial peace is possible for all of us.” – Dave Ramsey


776. “Most people won’t change until the pain of where they are exceeds the pain of change.”


777. “You can get anywhere if you simply go one step at a time.” – Dave Ramsey


778. 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


779. “Bosses push, Leaders pull. Real leadership is servant leadership.”


780. “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”


781. “Success is a pile of failure that you are standing on.” Dave Ramsey


782. The average millionaire can't tell you who got thrown off the island last night.” — Dave Ramsey


783. “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


784. “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


785. “Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.”


786. “Ideas are a dime a dozen. People who execute them are not.” – Dave Ramsey


787. “Millionaires use coupons. Ninety-three percent of millionaires in the National Study of Millionaires shop with coupon discounts.”


788. “The goal is to not be normal, because as my radio listeners know, normal is broke.” ~ Dave Ramsey


789. “As parents, we teach our kids about things we feel competent in. That’s why so many parents don’t teach their kids about money.” – Dave Ramsey


790. “God tends to pour blessings on people going in a direction He wants them to go.” – Dave Ramsey


791. “No one wins the Super Bowl accidentally. Be intentional, Be Passionate, Don't mail it in! You got this!”


792. “We are being taught by everything around us to have dessert before dinner.” Now we are paying for our lack of knowledge and discipline.”


793. Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.” — Dave Ramsey


794. “A good plan, violently executed now, is better than a perfect plan next week. —George S. Patton”


795. “we buy things we don’t need with money we don’t have in order to impress people we don’t like.”


796. “Here’s the problem, we don’t like change. Human beings don’t like change, we tend to do the same thing over and over and over again. Some people work in a job, that they’ve been with 15 years and they hate every day of it, and the only reason they don’t change is because they don’t like change.” – Dave Ramsey


797. “There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.” ~ Dave Ramsey


798. “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


799. “A budget doesn’t limit your freedom. It gives you freedom.” – Dave Ramsey


800. “Money moves from those who do not manage it to those who do.” – Dave Ramsey


801. “We want it all, and we can borrow to get it all before we can afford it all.” – Dave Ramsey


802. Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.” — Dave Ramsey


803. “Debt gives you the ability to look like you’re winning when you’re not.”


804. “Life is not a snapshot, it's a filmstrip.”


805. “You can’t get out of debt while keeping the same lifestyle what got you there.” – Dave Ramsey


806. “Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.” — Dave Ramsey


807. “You can’t work three hours a week and make $100,000.” ~ Dave Ramsey


808. “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.”


809. If you help enough people, you don’t have to worry about money.”— Dave Ramsey


810. “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


811. “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.” – Dave Ramsey


812. “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.”


813. Fun can be bought with money, but happiness cannot.” — Dave Ramsey


814. “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.”


815. “The average millionaire can't tell you who got thrown off the island last night.” — Dave Ramsey


816. “Debt gives you the ability to look like you’re winning when you’re not.”


817. “No one wins the Super Bowl accidentally. Be intentional. Be Passionate. Don’t mail it in! You got this!” ~ Dave Ramsey


818. “The investing you do systematically and consistently over time will make you wealthy. If you play with this by jumping in and out, always finding something more important than investing, you are doomed to being one of those fifty-for out of one hundred sixty-five year-olds still working because you have to work.” – Dave Ramsey


819. “You never cash out a 401(k) or IRA to pay off debt, unless it’s to avoid a foreclosure or bankruptcy.” Dave Ramsey


820. “We don’t keep jerks; life is too short to work with them and really way too short to pay them and work with them too. Seems simple, but it requires that you fight to build an incredible team and culture from the moment you post a position until you celebrate their retirement. Every day every behavior, attitude, and execution has to be led well by a courageous, loving leader.”


821. 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


822. I believe that through knowledge and discipline, financial peace is possible for all of us.” ~ Dave Ramsey


823. “The German root word for ‘debt’ is the same as for ‘guilt.’” – Dave Ramsey


824. “Your priorities, passions, goals, and fears are shown clearly in the flow of your money.” ~ Dave Ramsey


825. “Fun can be bought with money, but happiness cannot.” – Dave Ramsey


826. “There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.” — Dave Ramsey


827. “Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.”


828. “Winning at money is 80 percent behavior and 20 percent head knowledge.” – Dave Ramsey


829. “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!” ~ Dave Ramsey


830. “I suggest a Money Market account with no penalties and full check-writing privileges for your emergency fund. ~ Dave Ramsey


831. “We buy things we don’t need with money we don’t have to impress people we don’t like.” – Dave Ramsey


832. “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.”


833. “The number one problem that causes student loan debt? Parents that suck.” ~ Dave Ramsey


834. “I finally realized that results are generated by activities. If I manage my activities then the results I want occur.”


835. “I would not pre-pay. I would invest instead and let the investments cover it.” — Dave Ramsey


836. “one reason people make bad decisions is they don’t have a good decision as one of their options.”


837. “Someone who never invests money will never have any.” ~ Dave Ramsey


838. “No one got rich on a government program. Do not choose to be a common man. You can be uncommon.” — Dave Ramsey


839. “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


840. “Your kids will be a reflection of how to behave. Show them how to succeed, don’t just tell them.” – Dave Ramsey


841. “Vision without action is a daydream. Action without vision is a nightmare. JAPANESE PROVERB”


842. “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.” – Dave Ramsey


843. “Dreaming also has a negative connotation as well. Some people dream and stop there. They never do anything about making their dreams come true.”


844. 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


845. “A lower interest rate doesn’t make a debt go away.” ~ Dave Ramsey


846. “It’s never too late to turn things around. You are the only obstacle.” ~ Dave Ramsey


847. “Debt gives you the ability to look like you’re winning when you’re not.” ~ Dave Ramsey


848. “The accountability of a group environment causes people to change their behaviors.”


849. “If you will live like no one else, later you can "live" like no one else.”


850. “Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.”

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