Dave ramsey quotes

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

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.

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

Goals are visions and dreams with work clothes on.

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.

As you will it, so shall it be.

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.

Work is a surefire money-making scheme.

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

Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.

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.

Servant Leadership is the only #leadership that ultimately works.

Investing is important, but get debt-free first. That's what frees up your income so you can win.

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.

Opening your hands will set you free.

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

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

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

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

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

If you aren’t really careful, 'The Good Enough' can become the enemy of 'The Best.'

Fear is the enemy of hope.

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

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

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

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

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

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

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.

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

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.

Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals.

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

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

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 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.

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.'

Great talent stands in line to join your team because the culture becomes the stuff of legend.

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.

If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don't owe anyone an apology for winning.

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.

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.

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

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

You can't be in debt and win. It doesn't work.

A good financial planner is going to do more than pick your funds.

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

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

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.

Broke is normal. Why be normal?

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

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

Be an evangelist with your excellence.

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

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

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.

You must plan your work and then work your plan.

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.

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.

Debt is dumb. Cash is king.

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!

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.

Gratitude is really, really attractive. A child who is genuinely grateful makes you want to do anything for her, and that is true of adults as well.

Everyone has some natural talent or aptitude in one or more areas. If you can identify those areas you not only will be happier and perform more successfully in that role, but you will also become better paid for that. Our free-market system pays for performance at some point. When you have a natural talent or aptitude, coupled with desire and experience, the result is productivity plus.

Contentment is both the fruit and the tree.

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

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

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

Being willing to delay pleasure for a greater result is a sign of maturity.

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

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.

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.

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

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

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

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

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

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.

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 people in America would get their finances together and start taking care of each other, we could put the government out of business.

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

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

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.

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

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

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

We learned early on that if we help enough people, the money will come.

Thinking about starting a small business? Assume everything will cost twice as much and take twice as long as you think it will.

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.

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!

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

Goals convert vision into ENERGY.

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

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

You've got to tell your money what to do or it will leave.

It's never too late to turn things around. You are the only obstacle.

If you come with mercy but not justice; that's called enabling.

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

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

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.

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

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

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.

You will only sacrifice when you passionately believe in the outcome.

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.

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

One definition of maturity is learning to delay pleasure.

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

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

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

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

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

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

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

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

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

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

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.

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

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

Credit is an 'I love debt' score.

Debt is normal. Be weird.

Making mistakes and learning from them is crucial to winning.

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

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.