Dave Ramsey Quotes

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.

The very first step to building wealth is to spend less than you make.

I wasn't really taught about the value of money. I just learnt it as I grew up, but I do remember my dad telling me that it was important to always have some savings, and that stuck with me. I've always believed that putting money aside is a good thing.

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.

The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.

If you want to do well in life financially, then you have to start with dollars and cents. Those are details. So every penny means something. People who are successful tend to take care of those little things very well. And then they also accumulate credit, resources and do whatever it is that you need in life - that's a preparation for success.

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

I have a personal prosperity plan. I know where my money goes, and how I can spend it more fruitfully. A prosperity plan is something fluid that may alter month to month.

You've got to tell your money what to do or it will leave.

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

Now more than ever is the time to really work on learning a money management system that can work, no matter how low things seem right now.

It is incumbent upon each of us to improve spending and savings practices to ensure our own individual financial security and preserve the collective economic well-being of our great society.

If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.

You've gotta have a healthy balance of keeping your eye on how much money is in your account and making sure that it can sustain a healthy, happy life.

I pretty much lived movie to movie in my younger years because I loved spending money, and I didn't really have a concept of 'assets,' but as I got a little older, I bought art.

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

Since having kids, I am more careful about saving rather than splurging. I used to spend all my money on trainers and high heels that I couldn't walk in.

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

Smart financial planning - such as budgeting, saving for emergencies, and preparing for retirement - can help households enjoy better lives while weathering financial shocks. Financial education can play a key role in getting to these outcomes.

Without frugality none can be rich, and with it very few would be poor.

I have earned hundreds of thousands of pounds, but I can't seem to get to grips with money.

Many folks think they aren't good at earning money, when what they don't know is how to use it.

You have got to be the masters of your own financial future.

Money is such an amazing teacher: What you choose to do with your money shows whether you are truly powerful or powerless.

We all have pretty much similar dreams, and at the root of all those dreams is being able to be in control of your money.