Dave Ramsey Quotes & Sayings

Anytime you open a business, you have to be effective in promoting whether it's a franchise or not. You'll need to learn to be a Web marketer extraordinaire. There's plenty of material out there. — Dave Ramsey

One definition of maturity is learning to delay pleasure. — Dave Ramsey

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

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

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

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

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

Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user. — 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

Most of the things we buy are wants. And we call them needs, but they're wants. — Dave Ramsey

The bridge between failure and success is hope. THOMAS JEFFERSON — Dave Ramsey

At this stage in The Total Money Makeover, you are the Mr. Universe of Money, with serious abs, pecs, and quads. You have all this financial muscle, so now you should do something intentional with it. It is not just to look at. We built this financial superbody for a reason. To have FUN, INVEST, and GIVE. — Dave Ramsey

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

You've got to tell your money what to do or it will leave. — Dave Ramsey

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

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

It's never too late to turn things around. You are the only obstacle. — Dave Ramsey

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

The creature comforts we tend to rationalize as "business expenses I can write off." — Dave Ramsey

My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid. — Dave Ramsey

We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products. — Dave Ramsey

The weird thing is that while persuasional leadership takes longer and takes more restraint at the time, it is much more efficient over the long haul. When you teach team members or teens the why, they are more equipped to make the same decision next time without you. You don't have to watch their every move, you don't have to put in a time clock, and you don't have to implant a GPS chip in their hide when they learn how to think for themselves. Positional leadership doesn't take as long in the exchange, but you have to do it over and over and over and over. You never get to enjoy your team or your kids because they become a source of frustration rather than a source of pride. — Dave Ramsey

Opening your hands will set you free ... — Dave Ramsey

Doing a budget means learning an ancient and powerful word: NO. — Dave Ramsey

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

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. — Dave Ramsey

We buy things we don't need with money we don't have to impress people we don't like. — Dave Ramsey

One reason people make bad decisions is they don't have a good decision as one of their options. — Dave Ramsey

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. — Dave Ramsey

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

Earning a lot of money is not the key to prosperity. How you handle it is. — Dave Ramsey

Higher calling matters. When you care so deeply about the why-why you're doing what you're doing-then and only then are you operating in a way that allows you to overcome the obstacles. — Dave Ramsey

Leading a family is the hardest job a man can ever have. — Dave Ramsey

Do not let your life, ministry or organization go faster than your resources. — Dave Ramsey

While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon. — Dave Ramsey

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

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

The only reason to go into business is to make money. You have to work hard at it. If you're not passionate about it, you'll burn out so fast that it is incredible. — Dave Ramsey

Aristotle once said, To avoid criticism say nothing, do nothing, and be nothing. — Dave Ramsey

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 — Dave Ramsey

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

I really am not a gold fan. — Dave Ramsey

More wealth doesn't fix your life. More wealth makes you more of what you already are. — Dave Ramsey

Be very proud of what you do, and if you aren't then change it. — Dave Ramsey

Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals. — 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

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

Retirement in America has come to mean "save enough money so I can quit the job I hate. — Dave Ramsey

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. — Dave Ramsey

Debt gives you the ability to look like you're winning when you're not. — Dave Ramsey

Everyone has some natural talent or aptitude in one or more areas. If you can identify those areas you not only will be happier and perform more successfully in that role, but you will also become better paid for that. Our free-market system pays for performance at some point. When you have a natural talent or aptitude, coupled with desire and experience, the result is productivity plus. — Dave Ramsey

When people get scared, they quit giving. — 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

When leadership set the goals by themselves, they are not goals, they are quotas. — Dave Ramsey

God gives every bird its food, but He does not throw it into the nest. J. G. HOLLAND — Dave Ramsey

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

If you come with mercy but not justice; that's called enabling. — Dave Ramsey

Good to Great by my friend Jim Collins. — Dave Ramsey

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

You must plan your work and then work your plan. — Dave Ramsey

A lot of beginners in business think of marketing merely as selling. — Dave Ramsey

I can't tell you how many home businesses are almost in bankruptcy court over a Yellow Pages ad only to find out that the Yellow Pages ad isn't where their market will look for them, and it cost more than they thought. — Dave Ramsey

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

We've really got to stop looking to Washington to fix our problems. It obviously doesn't have the ability to do that. People who are successful are not successful because of the president. — Dave Ramsey

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

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

The first step in taking control of your money is to stop borrowing money. Start using cash today. — Dave Ramsey

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

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

When you're trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive. — Dave Ramsey

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

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

The accountability of a group environment causes people to change their behaviors. — Dave Ramsey

Contentment is both the fruit and the tree. — Dave Ramsey

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

We are scaling down is a painful statement to make to friends or family. — Dave Ramsey

We live in a culture full of hares; but the tortoise always wins. — Dave Ramsey

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

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. — Dave Ramsey

When you create a basic budget and stick to it, it will suddenly seem like you have more money. — Dave Ramsey

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! — Dave Ramsey

You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities. — Dave Ramsey

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

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

Bosses push, Leaders pull. Real leadership is servant leadership. — Dave Ramsey

Your priorities, passions, goals, and fears are shown clearly in the flow of your money. — Dave Ramsey

I will never be unemployed. — Dave Ramsey

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

Traction equals satisfaction — Dave Ramsey

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

Being willing to delay pleasure for a greater result is a sign of maturity. — Dave Ramsey

Christmas is about giving. Be outrageously generous. Have fun, enjoy the process ... then keep it up all year. — Dave Ramsey

Credit is an 'I love debt' score. — Dave Ramsey

Be an evangelist with your excellence. — Dave Ramsey

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

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 — Dave Ramsey

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

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