Dave Ramsey Quotations | Page 2

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.

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

The world will try to tell you that you need stuff to be somebody. Don't listen

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.

Servant Leadership is the only #leadership that ultimately works.

Those who don't manage their money will always work for those who do

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

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

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

Work - get paid; don't work - don't get paid. Everybody is on commission, .. Try not coming to work for six weeks. Work gets paid; don't work, don't get paid. When they earn those dollars, and when you're 4, and you clean up your room, it really means mom cleaned up the room and you did two toys. When you're 14, it means you cleaned up your room. But still, we got the money caused by work, and then, we have teachable moments on how to handle the money they earn.

Broke people giving financial advice is like a shop teacher with missing fingers.

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

You can't work three hours a week and make $100,000. Get rich quick doesn't work. Crock pot mentality always defeats microwave mentality!

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

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.

Goals are visions and dreams with work clothes on.

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.

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

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

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

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.

Knock out a small debt first so you get a quick win. Momentum is key.

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.

Making mistakes and learning from them is crucial to winning.

Debt is normal. Be weird.

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.

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

Poor is a state of mind. Broke is, 'I'm just passing through.'

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.

Nothing happens without focus. Don't try to do everything at once. Take it one step at a time.

Outrageous generosity is a character quality of people who win with money.

You must plan your work and then work your plan.

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.

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

Work is a surefire money-making scheme.

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.

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.

Debt is dumb. Cash is king.

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

Financial winners don't run sprints, they run marathons. They don't rush. They do it step by step over time.

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.

Goals convert vision into ENERGY.

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

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

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

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.

Fear is the enemy of hope.

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.

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

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

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

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.

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

You don't build wealth with credit card rewards and airline miles. You can't beat the credit card companies at their own game.

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.

One definition of maturity is learning to delay pleasure.

The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.

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

Pray like it all depends on God, but work like it all depends on you.

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

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

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.

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

No one got rich on a government program. Do not choose to be a common man. You can be uncommon.

Rich isn't an amount of money, it's a mindset about how you live. If you believe you can win, you can.

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.

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

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

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

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.

Let some one else take the butt kicking on devaluation.

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

It is pretty much for the wealthy in the sense if you have over $1 million in assets, you've got to have some other things you're doing to keep the government's hands off the money in the process. Of course, the first element of the big estate plan is the will. There may be trusts, some other things built into that. That's not for everybody. It is something you kind of need to think through.

Jerry, ... do not marry this girl unless you get some premarital counseling. Period.

We offered to save them about $413,000 a year. They rejected us out of hand.

Even the finance manager said it was a miracle,

Once you agree, then pinky swear and spit-shake that you will both stick to the budget.

You must tell your spouse everything about your debt, income, financial strengths and weaknesses. No secrets allowed.

This causes undue strain on the relationship before you're married.

This forces you to convert 'her bills' and 'his bills' into 'our bills' and encourages unity and communication in the marriage. I know very few financially successful people who have separate lives and separate checking accounts. If you want a life of your own, you shouldn't get married.

For a period of time, you can win financially and later buy whatever you want.

Consumers got to wake up and just say no.

I'm not talking about Hitler's boot camp for kids or something. But they do need to learn to work, ... Graduate from high school with something more than the ability to open a bag of Doritos and play Nintendo. That's a bad plan. Work creates money. I meet 54-year-olds that haven't got that one down.

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

Hey, dude, you know that might break the blender, don't you think?

I call this the great misunderstanding ? the idea that we give because churches need our money.

You will be back here supplementing that appropriation again, again and again.