Dave Ramsey Quotes

Be an evangelist with your excellence.

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.

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.

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

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

Debt has become a part of who we are.

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.

Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.

You must learn to control your money, or to the permanent deprivation control you

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

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

Goals convert vision into ENERGY.

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

A lower interest rate doesn't make a debt go away.

There are no shortcuts when it comes to getting out of debt.

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

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

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.

Teaching kids about money is never just about money.

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.

Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.

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

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

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

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

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!

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

You cannot lead without passion. Passion causes things to move, and passion creates a force multiplier. Passion actually covers a multitude of sins. Real EntreLeaders care deeply, and that is basically what passion is. Passion is not yelling or being wild; it is simply caring deeply.

Fear is the enemy of hope.

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

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.

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.

One definition of maturity is learning to delay pleasure.

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

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

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

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.

Delegation requires the willingness to pay for short term failures in order to gain long term competency.

When people get scared, they quit giving.

At the end of the day we are not selling, we are serving.

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.

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.

Bosses push, Leaders pull. Real leadership is servant leadership.

There's a great place to go when you're broke--to work!

Stupid is not illegal.

Leadership responsibility: If you own a biz, you're the head of the org. Good or bad, your company will LOOK and ACT like you do.

Surround yourself with people who add the fuel of advice and encouragement to your fire.

We started in our living room on a card table in our living room, and we have a multi-million dollar company and we know it can be done without borrowing a dime. It takes a while to get it started and to turn the wheel over, but the next time it's easier and the next few hundred times, it's easier than that. Have a budget where you reinvest a percentage of every dollar you earn to grow it.