Top 100 Dave Ramsey Quotes
#1. I finally realized that results are generated by activities. If I manage my activities then the results I want occur.
Dave Ramsey
#2. I have done stupid with a lot of zeros on the end of it. I know what it looks like.
Dave Ramsey
#3. 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!
Dave Ramsey
#4. A budget is people telling their money where to go instead of wondering where it went. You
Dave Ramsey
#5. 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.
Dave Ramsey
#6. You need some quick wins in order to stay pumped enough to get out of debt completely.
Dave Ramsey
#7. There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.
Dave Ramsey
#8. A budget is telling your money where to go instead of wondering where it went.
Dave Ramsey
#9. One reason people make bad decisions is they don't have a good decision as one of their options.
Dave Ramsey
#10. Poor is a state of mind. Broke is, 'I'm just passing through.'
Dave Ramsey
#11. 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
#12. I have to live my books before I write them.
Dave Ramsey
#13. There's a great place to go when you're broke
to work!
Dave Ramsey
#14. I think that anyone who wants to start their own business can, but not any type of business.
Dave Ramsey
#16. The bridge between failure and success is hope. THOMAS JEFFERSON
Dave Ramsey
#17. Those who don't manage their money will always work for those who do
Dave Ramsey
#18. Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.
Dave Ramsey
#19. Adults devise a plan and follow it, children do what feels good.
Dave Ramsey
#20. You will only sacrifice when you passionately believe in the outcome.
Dave Ramsey
#21. You must plan your work and then work your plan.
Dave Ramsey
#22. 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
#23. Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.
Dave Ramsey
#24. Broke people giving financial advice is like a shop teacher with missing fingers.
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
#27. You can get anywhere if you simply go one step at a time.
Dave Ramsey
#28. Leadership responsibility: If you own a biz, you're the head of the org. Good or bad, your company will LOOK and ACT like you do.
Dave Ramsey
#31. The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.
Dave Ramsey
#32. A little bit of controlled pain when you're six will change your life when you're thirty-six.
Dave Ramsey
#33. Measure your wealth not by the things you have, but by the things for which you would not take money.
Dave Ramsey
#34. When people get scared, they quit giving.
Dave Ramsey
#35. A man with an experience is not at the mercy of a man with an opinion.
Dave Ramsey
#36. Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully.
Dave Ramsey
#37. 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
#38. You will either learn to manage money, or the lack of it will manage you.
Dave Ramsey
#39. 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.
Dave Ramsey
#40. When you create a basic budget and stick to it, it will suddenly seem like you have more money.
Dave Ramsey
#41. Debt gives you the ability to look like you're winning when you're not.
Dave Ramsey
#42. 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
#43. Opening your hands will set you free ...
Dave Ramsey
#44. People who change their values, their ethics, are not trustworthy and should be avoided.
Dave Ramsey
#45. If your life is bad because of an elected official, then you don't have a life.
Dave Ramsey
#46. If people in America would get their finances together and start taking care of each other, we could put the government out of business.
Dave Ramsey
#47. If we aren't profitable by December 20, I will close the business. That would leave him about $800,000, plus his retirement money and home, and he would do something else to earn a living.
Dave Ramsey
#48. 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
#49. The world will try to tell you that you need stuff to be somebody. Don't listen
Dave Ramsey
#50. I would not pre-pay. I would invest instead and let the investments cover it.
Dave Ramsey
#51. Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.
Dave Ramsey
#52. This is a great time for the 'guerilla marketer.' The days when you used to have to buy expensive TV time and a yellow page ad to get started are gone.
Dave Ramsey
#53. Live like no else today, so you can live like no else tomorrow.
Dave Ramsey
#54. Goals are visions and dreams with work clothes on.
Dave Ramsey
#55. Every person falls down at some point. Successful people choose to get back up!
Dave Ramsey
#56. 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
#57. True leadership is servanthood. Put the interests of others at the center of your decisions.
Dave Ramsey
#59. You can't be in debt and win. It doesn't work.
Dave Ramsey
#60. God gives every bird its food, but He does not throw it into the nest. J. G. HOLLAND
Dave Ramsey
#61. 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.
Dave Ramsey
#62. Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals.
Dave Ramsey
#63. Outrageous generosity is a character quality of people who win with money.
Dave Ramsey
#64. You're not a bad parent if you don't save for your kid's college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called 'work' while they're in school.
Dave Ramsey
#65. Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.
Dave Ramsey
#66. If you help enough people, you don't have to worry about money.
Dave Ramsey
#67. 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
#68. 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.
Dave Ramsey
#69. Be very proud of what you do, and if you aren't then change it.
Dave Ramsey
#70. Christmas is about giving. Be outrageously generous. Have fun, enjoy the process ... then keep it up all year.
Dave Ramsey
#71. If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don't owe anyone an apology for winning.
Dave Ramsey
#72. 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
#73. Pray like it all depends on God, but work like it all depends on you.
Dave Ramsey
#74. 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
#75. Servant Leadership is the only #leadership that ultimately works.
Dave Ramsey
#76. 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!
Dave Ramsey
#77. You've got to tell your money what to do or it will leave.
Dave Ramsey
#78. Dorothy Bernard says that courage is just fear that has said its prayers.
Dave Ramsey
#79. We live in a culture full of hares; but the tortoise always wins.
Dave Ramsey
#80. The accountability of a group environment causes people to change their behaviors.
Dave Ramsey
#81. 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
#82. If you have a customer who is able to make the purchase, they trust you, and you have shown them the benefits of the purchase, they will close themselves; you do not need some arm-twisting technique.
Dave Ramsey
#83. Work-get paid; don't work-don't get paid. Everybody is on commission
Dave Ramsey
#84. Savings without a mission is garbage. Your money needs to work for you, not lie around you.
Dave Ramsey
#85. The first step in taking control of your money is to stop borrowing money. Start using cash today.
Dave Ramsey
#86. Great talent stands in line to join your team because the culture becomes the stuff of legend.
Dave Ramsey
#87. Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.
Dave Ramsey
#88. 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
#89. 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.
Dave Ramsey
#91. We buy things we don't need with money we don't have to impress people we don't like.
Dave Ramsey
#92. If I loan money to a friend or relative, the relationship will be strained or destroyed. The only relationship that would be enhanced is the kind resulting from one party being the master and the other party a servant.
Dave Ramsey
#93. If you will do the things others won't do then some day you will have the life others won't have.
Dave Ramsey
#94. When leadership set the goals by themselves, they are not goals, they are quotas.
Dave Ramsey
#95. Thinking about starting a small business? Assume everything will cost twice as much and take twice as long as you think it will.
Dave Ramsey
#96. 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
#97. What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it.
Dave Ramsey
#98. You wanna blow money? Put it in a 'blow' category in your budget. But at least admit it on paper!
Dave Ramsey
#99. There's a whole generation growing up thinking ... the government exists to care for them.
Dave Ramsey
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