Dave Ramsey

(David Lawrence Ramsey III)

Quote Topics Cited
Debt has become a part of who we are… Normal is broke in America. Economics, The Economy & Fiscal Affairs
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.
Credit is an 'I love debt' score. Love, Romance, Marriage & Sex
Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.
I believe that through knowledge and discipline, financial peace is possible for all of us. Education, Learning, Knowledge & Training ;Business, Commerce & Finance ;War & Peace
I have done stupid with a lot of zeros on the end of it. I know what it looks like.
I have to live my books before I write them.
I like to write books where I get a question on the radio, and I don't have an answer for it.
I really am not a gold fan.
I think that anyone who wants to start their own business can, but not any type of business. Business, Commerce & Finance
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.
I will never be unemployed.
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.
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.
Most of the things we buy are wants. And we call them needs, but they're wants.
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. Money, Coins & Minting ;Work, Workers & The Labor Force
My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table.
Pay your utilities, gas and other basic needs before paying on your debts.
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. Business, Commerce & Finance
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. Education, Learning, Knowledge & Training ;Science, Mathematics, Engineering & Technology
There are no shortcuts when it comes to getting out of debt.
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. Time
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. Education, Learning, Knowledge & Training ;Business, Commerce & Finance
We've really got to stop looking to Washington to fix our problems. It obviously doesn't have the ability to do that. People who are successful are not successful because of the president.
When people get scared, they quit giving.
While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon.
You can't be in debt and win. It doesn't work. Work, Workers & The Labor Force
You don't need credit.
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. Life ;Business, Commerce & Finance ;Money, Coins & Minting
You have to teach children about money intentionally - create teachable moments. Money, Coins & Minting
You need some quick wins in order to stay pumped enough to get out of debt completely.
You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy.
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. Work, Workers & The Labor Force
You've got to tell your money what to do or it will leave. Money, Coins & Minting