Dave Ramsey Quotes

I have never had personal debt and never will.

When the Fugees were big, we made a whole lot of money, and what happened was that I saved my money and never spent it.

I just save my money, man. I don't even try to enjoy it like these other rappers; they having fun and they lit, but they gon' be broke later on. I be savin', I be chillin'. It feels good to know I got it, but it feel better to know I'ma keep it too.

I always encourage our people and young business people that I meet to have a respect for cash, keeping some in their pockets and purses at all times. To me, that's essential.

I have a nest egg, and I don't buy above my means.

The best money advice ever given me was from my father. When I was a little girl, he told me, 'Don't spend anything unless you have to.'

I'm more of a debit card person, and I live in the 'now'. I don't like credit cards anymore. I try to live with whatever I can afford and don't try to put myself in an awkward position. I've done that before.

I was very fortunate that I saved my money and I still do.

Remember, either you control your money or it will control you.

A wise person should have money in their head, but not in their heart.

If you can't pay for a thing, don't buy it. If you can't get paid for it, don't sell it. Do this, and you will have calm and drowsy nights, with all of the good business you have now and none of the bad. If you have time, don't wait for time.

If we command our wealth, we shall be rich and free; if our wealth commands us, we are poor indeed.

There's this idea that when you make a certain amount of money that you should be staying at four-star hotels and taking town cars. And believe me, I will take a town car every day, but there are some things where it's like, 'Is this necessary? Is this important?'

Frugality, when all is spent, comes too late.

The big message I give to all of our clients, and anyone we lecture to, is you have to be smart with your money.

One valuable lesson I learned is that buying cheap is very important. Buying without debt is also very important. Leverage is your enemy.

I was never stupid with my money, because I grew up without it. So when I started to make some, I was like, 'Okay, first rule of thumb, I'm not buying it unless I've got the money to buy it,' so I have no debt.

I had a teammate whose motto was, 'If I make a million dollars, I must spend a million dollars.' I was like, 'If I make a million dollars, I'm hoping I can keep a million dollars.'

You could have all the money in the world, but you have to be smart enough knowing how to spend it. I really try to be on that smart money side. Once you make a serious mistake you can suffer five or six years, and I do my best to avoid serious mistakes.

A faithfully kept program of savings and conservative investments can give you more money and a better life than that of your neighbors who spend everything they get. This is probably the oldest financial advice in the world, but there are some things you can't improve on.

Almost any man knows how to earn money, but not one in a million knows how to spend it.

The first step in taking control of your money is to stop borrowing money. Start using cash today.

You must respect people, and you must respect money. My father said to me: 'When you respect money, money will respect you.'

I started out from a pretty modest background, so I always had a pretty good sense of money. I always had to work for my money, save my own money, I always bought my own stuff with my money... trying not to waste money unnecessarily.

I never have to this day, because my money is the money I earn.