Dave Ramsey Quotes

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

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

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

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

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.

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

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

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.

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

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

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.

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.

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

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

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

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

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

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.

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

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

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.

One definition of maturity is learning to delay pleasure.

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.

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

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.

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

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

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

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

Fear is the enemy of hope.

Debt is dumb. Cash is king.

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.

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

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.

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.

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.

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.

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

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.

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

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

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

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