Top 100 Dave Ramsey Quotes
#1. Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card. We
Dave Ramsey
#2. Pray like it all depends on God, but work like it all depends on you.
Dave Ramsey
#3. If you are going to open a retail store you would want to consider Christmas. Most retailers make the majority of their entire year's income between
Dave Ramsey
#4. If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don't owe anyone an apology for winning.
Dave Ramsey
#5. Christmas is about giving. Be outrageously generous. Have fun, enjoy the process ... then keep it up all year.
Dave Ramsey
#6. 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.
Dave Ramsey
#7. Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.
Dave Ramsey
#8. You can't be in debt and win. It doesn't work.
Dave Ramsey
#10. As long as the sun was shining, life was a party, and the pig with brick seemed kind of nerdy, or overly conservative, or even fanatical. But when their stupid theories were stress tested, their houses fell.
Dave Ramsey
#11. Live like no else today, so you can live like no else tomorrow.
Dave Ramsey
#13. You wanna blow money? Put it in a 'blow' category in your budget. But at least admit it on paper!
Dave Ramsey
#14. Nothing was left to chance; every smell, every piece of furniture, and certainly the design of the floor plans made these model homes world-class.
Dave Ramsey
#15. When leadership set the goals by themselves, they are not goals, they are quotas.
Dave Ramsey
#16. If you will do the things others won't do then some day you will have the life others won't have.
Dave Ramsey
#18. The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account.
Dave Ramsey
#19. Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.
Dave Ramsey
#20. Great talent stands in line to join your team because the culture becomes the stuff of legend.
Dave Ramsey
#21. Savings without a mission is garbage. Your money needs to work for you, not lie around you.
Dave Ramsey
#22. 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.
Dave Ramsey
#23. Dorothy Bernard says that courage is just fear that has said its prayers.
Dave Ramsey
#24. You've got to tell your money what to do or it will leave.
Dave Ramsey
#25. 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.
Dave Ramsey
#26. Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.
Dave Ramsey
#27. Term Life Insurance is the only insurance I recommend. It's the least expensive way to get the coverage your family needs and allows you to lock in rates for 15, 20 or 30 years. Zander's online quoting system will help you find the most competitive options. It's more affordable than you think!
Dave Ramsey
#28. You must plan your work and then work your plan.
Dave Ramsey
#29. You will only sacrifice when you passionately believe in the outcome.
Dave Ramsey
#30. Adults devise a plan and follow it, children do what feels good.
Dave Ramsey
#31. Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.
Dave Ramsey
#32. I finally realized that results are generated by activities. If I manage my activities then the results I want occur.
Dave Ramsey
#33. There's a great place to go when you're broke
to work!
Dave Ramsey
#34. 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.
Dave Ramsey
#35. Poor is a state of mind. Broke is, 'I'm just passing through.'
Dave Ramsey
#36. One reason people make bad decisions is they don't have a good decision as one of their options.
Dave Ramsey
#37. A budget is telling your money where to go instead of wondering where it went.
Dave Ramsey
#38. There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.
Dave Ramsey
#39. I have done stupid with a lot of zeros on the end of it. I know what it looks like.
Dave Ramsey
#40. 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.
Dave Ramsey
#41. If your life is bad because of an elected official, then you don't have a life.
Dave Ramsey
#42. Opening your hands will set you free ...
Dave Ramsey
#43. A natural saver is great until he never spends and is tight-fisted with giving. A natural spender is great until she finds herself deeply in debt and unable to give. A natural giver is great until there are no savings when a problem arises and there is no personal enjoyment of money.
Dave Ramsey
#44. Debt gives you the ability to look like you're winning when you're not.
Dave Ramsey
#46. Instead of just purchasing an ad campaign, target test and measure. Give an ad a small try. If the response is enough to pay for the ad, make it larger. With a franchise, ask the most successful franchisees what they did. Ask the bottom five guys what they did and avoid it.
Dave Ramsey
#47. When people get scared, they quit giving.
Dave Ramsey
#48. A little bit of controlled pain when you're six will change your life when you're thirty-six.
Dave Ramsey
#49. Good to Great by my friend Jim Collins.
Dave Ramsey
#50. More wealth doesn't fix your life. More wealth makes you more of what you already are.
Dave Ramsey
#51. Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.
Dave Ramsey
#52. Financial winners don't run sprints, they run marathons. They don't rush. They do it step by step over time.
Dave Ramsey
#53. While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon.
Dave Ramsey
#54. You don't build wealth with credit card rewards and airline miles. You can't beat the credit card companies at their own game.
Dave Ramsey
#55. 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.
Dave Ramsey
#56. The good thing about principles is that they make life easy. I have heard it said that when someone bases his life on principle, 99 percent of his decisions are already made.
Dave Ramsey
#57. 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.
Dave Ramsey
#59. 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.
Dave Ramsey
#61. A lot of beginners in business think of marketing merely as selling.
Dave Ramsey
#62. 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.
Dave Ramsey
#63. Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy.
Dave Ramsey
#64. Aristotle once said, To avoid criticism say nothing, do nothing, and be nothing.
Dave Ramsey
#65. 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.
Dave Ramsey
#66. When you're trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive.
Dave Ramsey
#67. 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
Dave Ramsey
#68. There are no shortcuts when it comes to getting out of debt.
Dave Ramsey
#69. Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.
Dave Ramsey
#70. Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.
Dave Ramsey
#71. I've got a young man who works for me who says you don't need to discover your dreams - you need to recover them.
Dave Ramsey
#72. Making mistakes and learning from them is crucial to winning.
Dave Ramsey
#73. Hope is steel covered in velvet. It can seem soft and cuddly, but hope is at the core of what makes people become what God designed them to be. Hope and its sister, faith, always create action.
Dave Ramsey
#74. 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.
Dave Ramsey
#75. My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table.
Dave Ramsey
#76. Be an evangelist with your excellence.
Dave Ramsey
#77. Remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus.
Dave Ramsey
#78. Delegation requires the willingness to pay for short term failures in order to gain long term competency.
Dave Ramsey
#79. A lower interest rate doesn't make a debt go away.
Dave Ramsey
#80. Investing is important, but get debt-free first. That's what frees up your income so you can win.
Dave Ramsey
#81. Do not let your life, ministry or organization go faster than your resources.
Dave Ramsey
#82. Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.
Dave Ramsey
#83. Retirement in America has come to mean "save enough money so I can quit the job I hate.
Dave Ramsey
#84. You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities.
Dave Ramsey
#85. Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.
Dave Ramsey
#86. The haves and have-nots can often be traced back to the dids and did-nots. D. O. FLYNN
Dave Ramsey
#87. I believe that through knowledge and discipline, financial peace is possible for all of us.
Dave Ramsey
#88. One definition of maturity is learning to delay pleasure.
Dave Ramsey
#89. Contentment is both the fruit and the tree.
Dave Ramsey
#90. Fun can be bought with money, but happiness cannot.
Dave Ramsey
#91. You must learn to control your money, or to the permanent deprivation control you
Dave Ramsey
#92. If you buy a $28,000 car, in four years it will be worth about 11,000 bucks.
Dave Ramsey
#93. Ideas are a dime a dozen. People who execute them are not.
Dave Ramsey
#94. 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.
Dave Ramsey
#95. 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.
Dave Ramsey
#96. We learned early on that if we help enough people, the money will come.
Dave Ramsey
#97. At the end of the day we are not selling, we are serving.
Dave Ramsey
#98. Anytime you open a business, you have to be effective in promoting whether it's a franchise or not. You'll need to learn to be a Web marketer extraordinaire. There's plenty of material out there.
Dave Ramsey
#99. I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.
Dave Ramsey
#100. The creature comforts we tend to rationalize as "business expenses I can write off."
Dave Ramsey
Famous Authors
Popular Topics
Scroll to Top
