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 RamseyDelegation requires the willingness to pay for short term failures in order to gain long term competency.
Dave RamseyMoney is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.
Dave Ramsey