Dave Ramsey Quotes

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

You have to teach children about money intentionally - create teachable moments.

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

Broke is normal. Why be normal?

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

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.

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.

Remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus.

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.

If you help enough people, you don't have to worry about money.

If your life is bad because of an elected official, then you don't have a life.

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

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

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

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.

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.'

Opening your hands will set you free.

Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.

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

Adults devise a plan and follow it, children do what feels good.

Work-get paid; don't work-don't get paid. Everybody is on commission

True leadership is servanthood. Put the interests of others at the center of your decisions.

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.

I'm a Christian. Years ago, I went broke, so I decided to run every part of my life according to the Bible. It sounds hokey, but it works. You run your marriage that way, and it works. It will work with business, too, and finances. Treat people like you want to be treated.

Ideas are a dime a dozen. People who execute them are not.

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

Debt is normal. Be weird.

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.

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.

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

Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!

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.

I believe that through knowledge and discipline, financial peace is possible for all of us.

Making mistakes and learning from them is crucial to winning.

Money... is like a beautiful thoroughbred horse - very powerful & always in action, but unless this horse is trained when very young, it will be an out-of-control & dangerous animal when it grows to maturity.

You have the clean canvas of a whole week before you. Paint well.

Just keep taking the next step and keep having excellence in the ordinary.

Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren't the exception.

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.

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.

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.

As you will it, so shall it be.

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.

Debt gives you the ability to look like you’re winning when you’re not.

Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy.

Every person falls down at some point. Successful people choose to get back up!

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.

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