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Almost all of us will have faced financial insecurity at some time in our lives. There are few things in life more worrying than not being able to pay your bills. Money is a cause of stress, marital disharmony, and family feuds. Putting our finances in order and feeling financially secure is a goal for many of us. Instead of struggling alone, it is much better if you can call on help from an expert.
Dave Ramsey is an expert in personal finance and can be relied on to help you sort your money worries. He experienced financial problems himself. Consequently, he decided to gain the knowledge to help himself and then to help others.
He vowed to learn all he could about personal finance, about debt, and to talk to successful people about their approach to money. From what he learned, he developed a program for financial security that he dubbed Financial Peace University. Millions have benefitted by following his Baby Steps route.
Dave Ramsey clearly states that once you start on a program of combatting debt and achieving financial safety, do not give up. Every step is getting you nearer your goal of financial freedom. Don’t throw it away by being discouraged or diverted from your path. A short period of hard work and single-minded application to the mending of your finances will bring freedom from financial worry for the rest of your life.
As you clear the pitfalls from your finances, so you will be able to concentrate on making more money. Dave does say that cutting expenditure is good, but it will not solve your problems permanently. You will only do that by earning more money. Even when you are receiving a more substantial salary, do not be complacent and think you have solved your problems. Keep to the plan for financial freedom. Having a higher income means you can put more away for retirement or pay some debts off more quickly.
Dave Ramsey is a firm believer in the power of budgeting. He recommends that you draw up a household budget every month. List all your expenses and then keep track of them day by day. At the same time, total all of your income. With this complete information, you will be able to stay on top of your finances. Knowing where every dollar goes helps when you are faced with extra expenses.
Unexpected expenses can be a killer if you are not prepared. Dave suggests that you create an emergency fund of at least $1000. Saving in this way is vital if you are to stand any chance of getting debt-free. Being ready with a savings fund reduces the worry of what will happen in an emergency.
Dave accepts that making the changes needed to follow a plan like his will be difficult, but he urges people not to be put off by short-term pain in pursuit of a desirable long-term goal.
Dave Ramsey Quotes
Pray like it all depends on God, but work like it all depends on you.
Dave Ramsey
Someone who never invests money will never have any.
Dave Ramsey
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.
Dave Ramsey
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
Winning at money is 80 percent behavior and 20 percent head knowledge.
Dave Ramsey
The goal is to not be normal, because as my radio listeners know, normal is broke.
Dave Ramsey
Your greatest asset is your paycheck.
Dave Ramsey
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
Someone who never has fun with money misses the point.
Dave Ramsey
Stupid is not illegal.
Dave Ramsey
I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.
Dave Ramsey
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.
Dave Ramsey
People will not buy from you if they don’t trust you, your product, and your company.
Dave Ramsey
Rich isn’t an amount of money, it’s a mindset about how you live. If you believe you can win, you can.
Dave Ramsey
If you wouldn’t want your mother to buy the item or the service then don’t sell it.
Dave Ramsey
Broke people giving financial advice is like a shop teacher with missing fingers.
Dave Ramsey
Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.
Dave Ramsey
Work—get paid; don’t work—don’t get paid. Everybody is on commission.
Dave Ramsey
Fun can be bought with money, but happiness cannot.
Dave Ramsey
Your money needs to work for you, not lie around you.
Dave Ramsey
If you will do the things others won’t do then some day you will have the life others won’t have.
Dave Ramsey
Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality!
Dave Ramsey
We are being taught by everything around us to have dessert before dinner. Now we are paying for our lack of knowledge and discipline.
Dave Ramsey
Debt is dumb. Cash is king.
Dave Ramsey
If you’re married, agree on the budget with your spouse. This one sentence requires a stand-alone book to describe how, but the bottom line is this: if you aren’t working together, it is almost impossible to win. Once the budget is agreed on and is in writing, pinky-swear and spit-shake that you will never do anything with money that is not on that paper. The paper is the boss of the money, and you are the boss of what goes on the paper, but you have to stick to the budget, or it’s just an elaborate theory.
Dave Ramsey
Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.
Dave Ramsey
The number one problem that causes student loan debt? Parents that suck.
Dave Ramsey
Your priorities, passions, goals, and fears are shown clearly in the flow of your money.
Dave Ramsey
A budget is telling your money where to go instead of wondering where it went.
Dave Ramsey
There’s a great place to go when you’re broke—to work!
Dave Ramsey
Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.
Dave Ramsey
I would not pre-pay. I would invest instead and let the investments cover it.
Dave Ramsey
Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.
Dave Ramsey
Work is a surefire money-making scheme.
Dave Ramsey
Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.
Dave Ramsey
A lower interest rate doesn’t make a debt go away.
Dave Ramsey
Money is like a beautiful thoroughbred horse-—very powerful and always in action. But unless this horse is trained when very young, it will be an out-of-control and dangerous animal when it grows to maturity.
Dave Ramsey
No one got rich on a government program. Do not choose to be a common man. You can be uncommon.
Dave Ramsey
Doing a budget means learning an ancient and powerful word: no.
Dave Ramsey
You will either learn to manage money, or the lack of it will manage you.
Dave Ramsey
Act your wage.
Dave Ramsey
We learned early on that if we help enough people, the money will come.
Dave Ramsey
Knock out a small debt first so you get a quick win. Momentum is key.
Dave Ramsey
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.
Dave Ramsey
A typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.
Dave Ramsey
The first step in taking control of your money is to stop borrowing money. Start using cash today.
Dave Ramsey
Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt.
Dave Ramsey
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.
Dave Ramsey
It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.
Dave Ramsey
There’s not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.
Dave Ramsey
Parents who let teens run around with unearned adult freedoms are naive and stupid.
Dave Ramsey
Making mistakes and learning from them is crucial to winning.
Dave Ramsey
There are no shortcuts when it comes to getting out of debt.
Dave Ramsey
The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.
Dave Ramsey
You can’t work three hours a week and make $100,000.
Dave Ramsey
The average millionaire can’t tell you who got thrown off the island last night.
Dave Ramsey
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!
Dave Ramsey
Debt gives you the ability to look like you’re winning when you’re not.
Dave Ramsey
Measure your wealth not by the things you have, but by the things for which you would not take money.
Dave Ramsey
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
Savings without a mission is garbage.
Dave Ramsey
Goals are visions and dreams with work clothes on.
Dave Ramsey
The German root word for ‘debt’ is the same as for ‘guilt.’
Dave Ramsey
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
The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth-building tool, but the truth is that the lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower-income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out.
Dave Ramsey
If you help enough people, you don’t have to worry about money.
Dave Ramsey
So content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.
Dave Ramsey
Money is 80% behavior, 20% head knowledge. It’s what you do, not what you know.
Dave Ramsey
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
Live like no one else, so later you can live like no one else.
Dave Ramsey
I believe that through knowledge and discipline, financial peace is possible for all of us.
Dave Ramsey
You have the clean canvas of a whole week before you. Paint well.
Dave Ramsey
Humpty Dumpty is hard to put back together—and so is trust.
Dave Ramsey
Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.
Dave Ramsey
No one wins the Super Bowl accidentally. Be intentional. Be Passionate. Don’t mail it in! You got this!
Dave Ramsey
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
Dreaming is a sign you have hope.
Dave Ramsey
If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.
Dave Ramsey
Life is not a snapshot, it’s a filmstrip.
Dave Ramsey
Earning a lot of money is not the key to prosperity. How you handle it is.
Dave Ramsey
If you invest $464 in a good mutual fund every month from age thirty to age seventy, you’ll end up with more than $5 million.
Dave Ramsey
There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt.
Dave Ramsey
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
Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.
Dave Ramsey
I like the way I’ve built wealth better than the way you haven’t.
Dave Ramsey
We have a retirement crisis in America today not from a lack of money, but from a lack of vision.
Dave Ramsey
The love of money, not money, is root of all evil.
Dave Ramsey
I suggest a Money Market account with no penalties and full check-writing privileges for your emergency fund.
Dave Ramsey
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
Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.
Dave Ramsey
Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.
Dave Ramsey
Twist and wring out the budget, work extra hours, sell something, or have a garage sale, but quickly get your $1,000. Most of you should hit this step in less than a month. If it looks as though it is going to take longer, do something radical. Deliver pizzas, work part-time, or sell something else. Get crazy. You are way too close to the edge of falling over a major money cliff here. Remember, if the Joneses (all the broke people) think you are cool, you are heading the wrong way. If they think you are crazy, you are probably on track.
Dave Ramsey
I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.
Dave Ramsey
If you will do the things others won’t do, then some day, you will have the life others won’t have.
Dave Ramsey
A good man leaves an inheritance to his children’s children.
Dave Ramsey
A little bit of controlled pain when you’re six will change your life when you’re thirty-six.
Dave Ramsey
I do recommend that most people sell the car with the most debt on it. A good rule of thumb on items (except the house) is this: if you can’t be debt-free on it (not counting the home) in eighteen to twenty months, sell it. If you have a car or a boat that you can’t pay off in eighteen to twenty months, sell it. It is just a car; dynamite the logjam! I used to love my car, too, but I found keeping that huge debt while trying to get out of debt was like running a race wearing ankle weights. Get a Total Money Makeover, so later you can drive anything you want and pay cash for it. When it comes to that debt-ridden item, you may have to make the decision to live like no one else; but remember, later you will be living, or driving, like no one else.
Dave Ramsey
The accountability of a group environment causes people to change their behaviors.
Dave Ramsey
There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.
Dave Ramsey
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
You would be wise to read the Dave Ramsey quotes that follow. They will give you the spur to start the process of getting out of debt and help you persevere until you achieve financial freedom.
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