Dave Ramsey Quotes

If you will live like no one else, later you can live like no one else.

You will either learn to manage money, or the lack of it will manage you.

Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices!

Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.

You must gain control over your money or the lack of it will forever control you.

Being willing to delay pleasure for a greater result is a sign of maturity.

Earning a lot of money is not the key to prosperity. How you handle it is.

Pray like it all depends on God, but work like it all depends on you.

The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.

Every person falls down at some point. Successful people choose to get back up!

Goals are visions and dreams with work clothes on.

Those who don't manage their money will always work for those who do

A budget is telling your money where to go instead of wondering where it went.

Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals.

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

Financial winners don't run sprints, they run marathons. They don't rush. They do it step by step over time.

Credit is an 'I love debt' score.

When you create a basic budget and stick to it, it will suddenly seem like you have more money.

Nothing happens without focus. Don't try to do everything at once. Take it one step at a time.

Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.

Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without a mortgage ... a student without a loan ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.

Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.

Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren't the exception.

The world will try to tell you that you need stuff to be somebody. Don't listen

It's never too late to turn things around. You are the only obstacle.