Top 10 Dave Ramsey Quotes
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
You don’t need credit.
— Dave Ramsey
Credit is an ‘I love debt’ score.
— 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
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
Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life.
— Dave Ramsey
I always laugh and say I met God on the way up, and I got to know him on the way down. And so, as I’m crashing and losing everything, a lot of people run to God when they are struggling. And I was no exception.
— Dave Ramsey
You’ve got to tell your money what to do or it will leave.
— Dave Ramsey
The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.
— Dave Ramsey
I believe that through knowledge and discipline, financial peace is possible for all of us.
— Dave Ramsey
Motivational Dave Ramsey Quotes to Inspire Financial Freedom
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
Doing a budget means learning an ancient and powerful word: no.
— Dave Ramsey
Adults devise a plan and follow it, children do what feels good.
— Dave Ramsey
When people get scared, they quit giving.
— Dave Ramsey
Knock out a small debt first so you get a quick win. Momentum is key.
— Dave Ramsey
Poor is a state of mind. Broke is, ‘I’m just passing through.’
— Dave Ramsey
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
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
You can get anywhere if you simply go one step at a time.
— Dave Ramsey
Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.
— Dave Ramsey
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
Earning a lot of money is not the key to prosperity. How you handle it is.
— Dave Ramsey
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
We have a retirement crisis in America today not from a lack of money, but from a lack of vision.
— 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
Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt.
— Dave Ramsey
It takes some discipline and hard work, but relying on credit when things go wrong is a trap.
— Dave Ramsey
Most of the things we buy are wants. And we call them needs, but they’re wants.
— Dave Ramsey
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.
— Dave Ramsey
There are no shortcuts when it comes to getting out of debt.
— Dave Ramsey
The German root word for ‘debt’ is the same as for ‘guilt.’
— 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
The love of money, not money, is root of all evil.
— Dave Ramsey
Humpty Dumpty is hard to put back together—and so is trust.
— 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
There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.
— Dave Ramsey
Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy.
— Dave Ramsey
You have the clean canvas of a whole week before you. Paint well.
— Dave Ramsey
Every person falls down at some point. Successful people choose to get back up!
— Dave Ramsey
Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality!
— Dave Ramsey
Broke people giving financial advice is like a shop teacher with missing fingers.
— Dave Ramsey
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
I like the way I’ve built wealth better than the way you haven’t.
— Dave Ramsey
Outrageous generosity is a character quality of people who win with money.
— Dave Ramsey
I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.
— Dave Ramsey
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
Your priorities, passions, goals, and fears are shown clearly in the flow of your money.
— Dave Ramsey
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
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
Dave Ramsey Quotes on Debts, Goals, Money, & Giving
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
Winning at money is 80 percent behavior and 20 percent head knowledge.
— 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
Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.
— 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
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
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
The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.”
— Dave Ramsey
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
If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.
— 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
One definition of maturity is learning to delay pleasure.
— Dave Ramsey
Fear is the enemy of hope.
— 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
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
People will not buy from you if they don’t trust you, your product, and your company.
— Dave Ramsey
If you wouldn’t want your mother to buy the item or the service then don’t sell it.
— Dave Ramsey
Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.
— Dave Ramsey
If you help enough people, you don’t have to worry about money.
— Dave Ramsey
Aristotle once said, “To avoid criticism say nothing, do nothing, and be nothing.”
— 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
Fun can be bought with money, but happiness cannot.
— Dave Ramsey
Measure your wealth not by the things you have, but by the things for which you would not take money.
— Dave Ramsey
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.
— 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.
— Dave Ramsey
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
Success is a pile of failure that you are standing on.
— Dave Ramsey
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.
— Dave Ramsey
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
There’s a whole generation growing up thinking… the government exists to care for them.
— 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
No one got rich on a government program. Do not choose to be a common man. You can be uncommon.
— Dave Ramsey
We are being taught by everything around us to have dessert before dinner. Now we are paying for our lack of knowledge and discipline.
You must plan your work and then work your plan.
— Dave Ramsey
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
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
A little bit of controlled pain when you’re six will change your life when you’re thirty-six.
— Dave Ramsey
Savings without a mission is garbage. Your money needs to work for you, not lie around you.
— Dave Ramsey
Broke is normal. Why be normal?
— Dave Ramsey
Debt is normal. Be weird.
— Dave Ramsey
The goal is to not be normal, because as my radio listeners know, normal is broke.
— 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
Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.
— Dave Ramsey
Parents who let teens run around with unearned adult freedoms are naive and stupid.
— Dave Ramsey
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
The number one problem that causes student loan debt? Parents that suck.
— 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
More Best Dave Ramsey Quotes
Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest.
— Dave Ramsey
If you’re doing something like scheduling utility payments to come through your debit card or out of your personal checking account, that’s perfectly fine. But there are much safer ways to handle situations with debt collectors. You can send a money order overnight, or wire the cash to them.
— Dave Ramsey
I have done stupid with a lot of zeros on the end of it. I know what it looks like.
— Dave Ramsey
You have to teach children about money intentionally – create teachable moments.
— Dave Ramsey
Your FICO score is an “I love debt” score. You’re going to pay a bazillion dollars in interest to keep your FICO score up in order to have lower homeowner’s and car insurance rates.
— 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
When we talk about kids earning commission for chores, we always have at least one parent who argues that children should do chores because they are part of the family. I agree, but if you don’t involve money in a few chores, you lose the teachable moments in the work, spend, save, and give principles.
— Dave Ramsey
You’re not a bad parent if you don’t save for your kid’s college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called ‘work’ while they’re in school.
— Dave Ramsey
Pay your utilities, gas and other basic needs before paying on your debts.
— Dave Ramsey
There’s always something that needs attention when you own a property.
— Dave Ramsey
Trust me, I know, you can make mistakes with money and still raise money-smart kids. You can start a new family tradition of handling money the right way.
— Dave Ramsey
I really am not a gold fan.
— Dave Ramsey
Once I will warn you, and then I will fire you! I have a zero-tolerance-plus-one policy for gossip. I will teach you once, and then I will fire your butt.
— Dave Ramsey
You need some quick wins in order to stay pumped enough to get out of debt completely.
— Dave Ramsey
Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully.
— Dave Ramsey
You can’t be in debt and win. It doesn’t work.
— Dave Ramsey
I will never be unemployed.
— Dave Ramsey
My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table.
— Dave Ramsey
I’ve got a young man who works for me who says you don’t need to discover your dreams – you need to recover them.
— Dave Ramsey
I have to live my books before I write them.
— Dave Ramsey
Babies are wonderful, important things. Having kids, even the thought of having kids, is a big emotional deal. But sometimes it can cause people to change their financial plans and directions.
— Dave Ramsey
To be fair, the collection business does have a few good people in it. But it also has those who will lie and make threats.
— Dave Ramsey
As much as I want to help people, I had to accept the fact long ago that being stupid with money isn’t illegal.
— Dave Ramsey
In the neighborhood where I grew up, it was a rough neighborhood – well, not rough, but it certainly wasn’t upper class or anything. But I remember hearing things like, ‘The little man just can’t get ahead.’ And if you start to believe that, then you know what? You don’t get ahead.
— 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
In order to be a great marketer, you have to be focused and intense and look at scarcity, urgency, activity and passion in the marketplace.
— Dave Ramsey
Debt collectors like to play on your emotions because they think you’ll give in and do something you can’t really afford to do. Most of them don’t care about you or your situation as long as they get some money.
— Dave Ramsey
There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there.
— Dave Ramsey
What your beliefs are about anything creates your actions. What you believe about marriage creates the way you handle your marriage. What you believe about raising kids creates the way you do that.
— Dave Ramsey
This is a great time for the ‘guerilla marketer.’ The days when you used to have to buy expensive TV time and a yellow page ad to get started are gone.
— Dave Ramsey
Life will not make allowance for you, but it will pay you what you earn.
— Dave Ramsey
A vacation home is a wonderful ‘extra’ as you start building wealth. Remember, though, it’s still basically a very large, very expensive toy.
— Dave Ramsey
Don’t react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.
— Dave Ramsey
I think that anyone who wants to start their own business can, but not any type of business.
— Dave Ramsey
I’ve seen numerous situations where collectors have taken more than the agreed-upon amount from someone’s account once they gained access.
— 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
I like to write books where I get a question on the radio, and I don’t have an answer for it.
— Dave Ramsey
The Bible clearly says that when we have a problem with our brother, we are to go to them and try to resolve the situation.
— Dave Ramsey
If you’re able to pay your bills, you pay your bills. It’s as simple as that.
— Dave Ramsey
Would a good friend, a smart friend, encourage you to do something as dishonorable as not pay a bill you’re morally and legally obligated to pay? I don’t think so.
— Dave Ramsey