Dave Ramsey Quotes

Just because you can afford it doesn't mean you should buy it.

By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later. That's hard. Our brains are hard wired to prefer the here and now.

I try to differentiate between what I need and don't need. I talk to my wife and children before buying things.

Who among us would ask our children for a loan, so we could spend money we do not have on things we do not need?

The intelligent desire self-control; children want candy.

Adults devise a plan and follow it, children do what feels good.

Think before you act: it's not your money.

Anyone who lives within his means suffers from a lack of imagination.

I wasn't one to go out and buy a new car and stereo system and expensive clothes. My mom helped keep me grounded.

Frugality is for the vulgar.

I grew up in Harlem Grant projects, and I didn't have a whole lot then. I've always been good about only getting what I need, not what I want. Just because someone else has something, I don't feel the need to.

The love of economy is the root of all virtue.

Middle age is when a guy keeps turning off lights for economical rather than romantic reasons.

The city has to do what any citizen or family does, when you have a dream. You tighten your belt. You sacrifice some luxuries. Above all, you don't waste a dime.

My parents survived the Great Depression and brought me up to live within my means, save some for tomorrow, share and don't be greedy, work hard for the necessities in life knowing that money does not make you better or more important than anyone else. So, extravagance has been bred out of my DNA.

I don't really spend money like crazy. I buy what I need and what I really want, and if I'm buying expensive things I do think about the purchase many times before I buy it.

The impulse to spend seizes everyone. He who, the whole year through has taken pleasure is saving and piling up his money suddenly becomes extravagant. A stream of presents pours itself out on all sides.

If you don't need it, don't buy it.

I'm not a frugal person, but I find it difficult to be extravagant materially.

Time is your friend; impulse is your enemy.

Oh God, don't let me go on Amazon Prime at one in the morning 'cause I always buy something I don't need.

We were spoiled in many ways, but we were always taught to understand the value of the dollar. If there was something we wanted, we had to earn it. Even in college, we were very fiscally responsible. I had 300 bucks a month; anything I wanted beyond that, I had to work for.

I wouldn't deliberately go and buy something that one would categorise as an extravagant thing.

I am not the sort of person who will wake up and go and buy myself a Ferrari.

We live in a culture built on debt, so we are encouraged to have no self control.