Dave Ramsey Quotes

I believe that through knowledge and discipline, financial peace is possible for all of us.

People used to ask me for advice, and I'd say, 'Please, don't ask me!' Yes, I did economics at Oxford, but that's not the same as having a broad knowledge of personal finance.

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

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

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.

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

I am naturally cautious so I guess I am a saver. I'm a firm believer in not borrowing money, which is a lesson passed down to me from my parents and grandparents.

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.

If you save your money right, you can have what you want.

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.

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.

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

Young children need to develop good habits that will be useful to them the rest of their lives. It is important to keep the lessons age-appropriate. For example, when your children start earning allowances, that would be a good time to teach them how to put some money in the bank instead of spending it all.

We all need to save money to send our kids to college, to buy our first house, and to retire. But the truth is that most of us don't save very much.

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

It's not surprising so many people end up with credit-card debts. Saving for your retirement and buying a house are difficult things, and we don't educate people about them at all.

Making money is easy. It is. The difficult thing in life is not making it, it's keeping it.

I'm a big advocate of financial intelligence.

Studies indicate that most of young adults struggle to grasp even the most basic financial principles that will allow them to manage money and prepare for their future.

The people who know personal finance hide the money very carefully.

I've got my eye on a few things to spend my money on. I've got my own bank card but I am really good with money. I don't spend too much at all.

After two decades of personal finance reporting, I've heard every excuse in the book for not saving money. That said, none of them really hold up - at least over the long term.

When it comes to tackling your financial goals, whatever they might be, there's no time like the present.

High bankruptcy rates, increased credit card debt, and identity theft make it imperative that all of us take an active role in providing financial and economic education during all stages of one's life.

The most important thing is to not waste your money.