Dave Ramsey

Work is a surefire money-making scheme.

Dave Ramsey

If broke people are making fun of your financial plan, you’re on track.

Dave Ramsey

We buy things we don’t need with money we don’t have to impress people we don’t like.

Dave Ramsey

Success is a pile of failure that you are standing on.

Dave Ramsey

For a period of time, you can win financially and later buy whatever you want.

Dave Ramsey

Broke people giving financial advice is like a shop teacher with missing fingers.

Dave Ramsey

You don’t deserve anything until you save and pay for it.

Dave Ramsey

Those who don’t manage their money will always work for those who do.

Dave Ramsey

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. However, our culture teaches us to live for the now. “I want it!” we scream, and we can get it, if we are willing to go into debt. Debt is a means to obtain the “I want its” before we can afford them.

Dave Ramsey

Winning at money is 80 percent behavior and 20 percent head knowledge. Most of us know what to do, but we just don’t do it.

Dave Ramsey

If the lottery worked, rich people would pay poor people to stand in the line for them.

Dave Ramsey

Debt is normal. Be weird!

Dave Ramsey

You must gain control over your money or the lack of it will forever control you.

Dave Ramsey

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

If you buy a $28,000 car, in four years it will be worth about 11,000 bucks.

Dave Ramsey

You must tell your spouse everything about your debt, income, financial strengths and weaknesses. No secrets allowed.

Dave Ramsey

Poor is a state of mind. Broke is, “I’m just passing through.”

Dave Ramsey

Employees will tolerate a boss, but will follow a leader.

Dave Ramsey

The average millionaire drives a three year old car and clips coupons.

Dave Ramsey

If you will live like no one else, later you can live like no one else.

Dave Ramsey

To think that the handling of your personal finances is merely a matter of math control is naive.  You must get better control of all aspects of your life.  Until you do, (even the best advice) will have little effect but will instead be neutralized by the other habits in your life.

Dave Ramsey

You wanna blow money? Put it in a “blow” category in your budget. But at least admit it on paper.

Dave Ramsey

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.

Dave Ramsey

Pray like it all depends on God, but work like it all depends on you.

Dave Ramsey

A friend of mine who is a billionaire told me that he reads a book to his grandkids and I should read that book. The book is “The Tortoise and the Hare”. Every time he reads the book, the tortoise wins. Slow and steady wins the race, and consistency matters. Get-rich-quick never wins.

Dave Ramsey

I’d rather be a redneck millionaire than a broke socialite.

Dave Ramsey

Fear is the enemy of hope.

Dave Ramsey

Goals are dreams with work clothes on.

Dave Ramsey

Debt is dumb, cash is king and the paid off home mortgage has taken the place of the BMW has the status symbol of choice.

Dave Ramsey

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

If you try to impress other people, you´ll lose the wealth race.

Dave Ramsey

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

My financial life began turning around when I took responsibility for it.

Dave Ramsey

Stupid is not illegal.

Dave Ramsey

A budget is telling your money where to go instead of wondering where it went.

Dave Ramsey

Once you agree, then pinky swear and spit-shake that you will both stick to the budget.

Dave Ramsey

Here is how you spell “paying too much”: M-A-L-L.

Dave Ramsey

The credit card is the cigarette of the financial world.

Dave Ramsey

I’ve done stupid with zeros on the end.

Dave Ramsey

It is pretty much for the wealthy in the sense if you have over $1 million in assets, you’ve got to have some other things you’re doing to keep the government’s hands off the money in the process. Of course, the first element of the big estate plan is the will. There may be trusts, some other things built into that. That’s not for everybody. It is something you kind of need to think through.

Dave Ramsey

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

Not until the pain of the same is greater than the pain of change will you embrace change.

Dave Ramsey

Work is hard, that is why you get paid to do it.

Dave Ramsey

An emergency fund changes a crisis into an inconvenience.

Dave Ramsey

If the Red-Raced Kid (”I want it, and I want it now!”) rules your life, you will stay broke.

Dave Ramsey

I don’t want to walk across hot coals because it is fun, but if I can be shown how a short, painful walk will do away with the lifetime of worry, frustration, stress, and fear that being constantly broke brings me, then bring on the hot coals.

Dave Ramsey

The average millionaire can’t tell you who got thrown off the island last night.

Dave Ramsey

I would not pre-pay. I would invest instead and led the investments cover it.

Dave Ramsey

Life is hard. But life is REALLY HARD for stupid people.

Dave Ramsey

I am an American, and I refuse to participate in this recession.

Dave Ramsey

A big part of being strong financially is that you know where you are weak and take action to make sure you don’t fall prey to the weakness. And we ALL are weak.

Dave Ramsey

When you get money, you become more of what you are.

Dave Ramsey

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

We have all experienced loaning someone money and finding an immediate distancing in the relationship…We don´t control how debt affects relationships; debt does that independently of what we want.  The borrower is servant to the lender, and you change the spiritual dynamic of relationships when you loan loved ones money.

Dave Ramsey

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

Diligence = disciplined excellence over time

Dave Ramsey

We’re not going to write a check every time you’re stupid. Nobody’s got that much money.

Dave Ramsey

What can you do when you have no payments? Anything you want!

Dave Ramsey

I like the way I’ve built wealth better than the way you haven’t. Live like no one else so later you can live like no one else!

Dave Ramsey

I figured out that what makes you thinner than wearing black, is to be thinner.

Dave Ramsey

If you buy the things you do not need, one day you will need the things you can not buy.

Dave Ramsey

Live like no one else, so later on you can live like no one else.

Dave Ramsey

I know very few financially successful people who have separate lives and separate checking accounts. If you want a life of your own, you shouldn’t get married.

Dave Ramsey

Consumers got to wake up and just say no.

Dave Ramsey

Let some one else take the butt kicking on devaluation.

Dave Ramsey

Get up, leave the cave, kill something and drag it home.

Dave Ramsey

I’m not talking about Hitler’s boot camp for kids or something. But they do need to learn to work, … Graduate from high school with something more than the ability to open a bag of Doritos and play Nintendo. That’s a bad plan. Work creates money. I meet 54-year-olds that haven’t got that one down.

Dave Ramsey

Your only difference between now and ten years from now will be the books you read and the people you meet.

Dave Ramsey

Debt has been sold to us so aggressively, so loudly, and so often that to imagine living without debt requires myth-busting. 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

The tide’s running out and we’re going to find out who’s skinny dipping!

Dave Ramsey

You don’t want your live your life in the middle of a Jerry Springer episode.

Dave Ramsey

This is not a game, … Debt has become a part of who we are. It’s become that spoiled child in the grocery store with their lip stuck out: ‘I want it. I want it. I deserve it because I breathe air.’ And, well, that’s an uphill climb in our culture right now, to go against that and say, ‘Hey, let’s be grownups here. Let’s be mature, learn to delay pleasure, save up and pay for things.’

Dave Ramsey

If you want something you’ve never had, you’ll have to do something you’ve never done.

Dave Ramsey

If two people that are just alike get married one of them is unnecessary.

Dave Ramsey

Broke can’t help poor.

Dave Ramsey

Beans and rice, rice and beans.

Dave Ramsey

Tell your money where to go, or it will leave you.

Dave Ramsey

If you shoot for nothing, you will hit it every time. I am teaching my kids to dream.

Dave Ramsey

I was a overnight success, after working my butt of for 15 years!

Dave Ramsey

Give every dollar a name.

Dave Ramsey

When all of your money comes in, goes out, and only the names are changed to protect the innocent- You’re broke!

Dave Ramsey

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

Quit worrying about what you look like and start worrying about what you are.

Dave Ramsey

It’s the same advise that your grandparents would tell except I tell you with my teeth in.

Dave Ramsey

You can’t unmilk a cow.

Dave Ramsey

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

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

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

Money is like manure. Left in a pile, it stinks. If you spread it around, it’ll grow some stuff.

Dave Ramsey

Work – get paid; don’t work – don’t get paid. Everybody is on commission, … Try not coming to work for six weeks. Work gets paid; don’t work, don’t get paid. When they earn those dollars, and when you’re 4, and you clean up your room, it really means mom cleaned up the room and you did two toys. When you’re 14, it means you cleaned up your room. But still, we got the money caused by work, and then, we have teachable moments on how to handle the money they earn.

Dave Ramsey

You will be back here supplementing that appropriation again, again and again.

Dave Ramsey

I call this the great misunderstanding ? the idea that we give because churches need our money.

Dave Ramsey

We have discussed how the strengths and weaknesses in your life will affect your personal finances, but we cannot leave that subject without dealing with one of life´s dirtiest words— discipline.  You will have conflict, worry, shortages, and general lack of fun until you achieve some discipline in the handling of your funds.  I am not saying you have to run or live in a financial boot camp, but you must start to think before you sign that check.  You must begin today to look at your finances differently from how you have done so before.  You must recognize that you must bring your finances totally under your control.

Dave Ramsey

Money is 80 % behavior, 20 % head knowledge. It’s what you do, not what you know.

Dave Ramsey

We consumers have become a nation of servants to financial institutions.  We used to joke that a bank was where you could borrow money if you could prove you didn´t need it.  Now, with the advent of aggressive credit marketing strategies, we can borrow even when we shouldn´t be allowed to.  We are sold credit in so many ways by so many people that we end up buying a lot of it, meaning we borrow money.  We borrow money, not just because it is made easy for us, but because we are sold on the convenience, perceived prosperity, and fun that all that “stuff” and associated debt are supposed to bring us.

Dave Ramsey

We must develop a power over purchase — instead of allowing our purchases and the people from whom we make the purchases to have power over us. We must remember that we can always spend more than we make. I once met a man whose annual income in one year increased from $42,000 to $175,000. Both years he spent everything he made. He had no sales resistance, no power over purchase.

Dave Ramsey