Dave Ramsey Quotes

If you put nothing away for retirement, I can tell you, to the last penny, how much you will have when you retire: nothing.

With or without a Social Security fix, Americans don't have enough assets to retire on. There has to be a much larger debate.

Pay off your mortgage before retirement, and that's one less bill you'll have to worry about when you're on a fixed income.

Knowing where you stand in your quest to accumulate enough money for retirement is an incredibly important part of the planning process.

'Returnless risk' is not how you prepare for a decent retirement.

Americans should be able to enjoy a secure retirement after a lifetime of hard work. But too many Americans reach retirement without enough savings to supplement their Social Security benefits.

We need to make sure people continue to have access to retirement plans because everyone deserves the opportunity to retire with dignity and financial independence.

I would advise someone who has just retired to be something in the broad range of 50/50 stocks and bonds.

I always tell people, it's never too late to start saving for retirement. It's not that important how much you have already saved. What's important is that you start saving. And save as much as you can. You will be amazed at how quickly it will build up.

The essence of any plan for financing old age is saving-to put aside some part of today's earnings for the future. Anything that saps the value of savings-and inflation is the worst single threat-is the enemy of the aged and of those who expect to grow old.

Absolutely invest in retirement. You can always get a loan to get kids through school. I do not know of any loans to get you through retirement. The markets are seriously low from where they were (even though they've gone up 30 percent recently). Now is the time to be dollar cost averaging; the more money you put in, the more shares you buy. Save for your retirement, people.

To the hard-working people who set a little bit aside each month, to provide for their children, or to fund their own retirement, I say: you should be rewarded not punished.

Our seniors' retirement should never rely on the bull of political promises or the bear of the market.

What we should be trying to do is to encourage people to establish private retirement accounts and help them take pressure off the Social Security system.

A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now.

You can imagine, if somebody's approaching retirement, and all of a sudden the funds that he or she is depending on is depleted by 50% or however many, it gives them a sinking feeling in the pit of their stomach.

Money isn't everything, but it is when you start thinking about putting money away for your retirement days.

Well, today people have to be self-reliant if they want a secure retirement income.

I look back on it, yeah, I'm in a much worse financial position than I was eight years ago. I'm going to have to go out at age 62 and kind of readdress some of that.

I suspect if people live a lot longer they would be retired for a somewhat longer period of time. Just the financial planning takes on a very different character.

Since Social Security faces a large gap between what it promises younger workers and what it can afford to pay them, private savings will likely need to play a larger role in retirement planning for younger workers.

To enjoy a long, comfortable retirement, save more today.

We really haven't had very much experience with people funding their retirement out of the stock market, and we don't know, frankly, how it would work under every scenario.

But with a rate of return of 1.6 percent or less, or a negative rate of return, our children and our grandchildren, if we do not make changes, will in fact not have a secure retirement. Indeed, they will not have the funds when they go to retire to even minimally get by.

We need more cartoonists to truly retire when they retire, and not run repeats.