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

— Dave Ramsey

The most attractive Dave Ramsey quotes that will transform you to a better person

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


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.


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


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


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


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.


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


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


When you're trying to achieve a goal, negative people will just bring you down.

Surround yourself with the positive.


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


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.


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.


About Dave Ramsey

Quotes 154 sayings
Profession Author
Birthday October 16

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


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


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


One definition of maturity is learning to delay pleasure.


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.


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.


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


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.


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


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


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


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.


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


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


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.


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


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


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.


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

If you believe you can win, you can.


Making mistakes and learning from them is crucial to winning.


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


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


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


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.


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


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


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.


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


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


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.


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!


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.


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.


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


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


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.