If you’re looking for some financial wisdom, you’ll want to check out Dave Ramsey quotes. Ramsey is a personal finance expert who knows how to help people get their finances in order. His quotes are the perfect way to start your day, and they’ll help you stay on track with your money goals.
Dave Ramsey is an American personal finance expert and radio host who has helped millions of people get out of debt and build wealth. He is the author of several books, including The Total Money Makeover, and hosts a popular radio show called The Dave Ramsey Show.
Ramsey’s work is based on the principles of biblical financial management. He believes that debt is a trap that can ruin people’s lives, and that it is important to save money and invest for the future.
Ramsey’s approach to money management is simple but effective. He recommends creating a budget and sticking to it, paying off debts as quickly as possible, and investing for the future. He also encourages people to live below their means and to save as much money as possible.
Ramsey’s advice has helped millions of people get out of debt and build wealth. His books and radio show are popular, and he is considered one of the leading experts on personal finance.
If you’re looking for some sound advice, be sure to check out these Dave Ramsey quotes below.
84 Dave Ramsey Quotes
- “You must gain control over your money or the lack of it will forever control you.”
2. “There’s a whole generation growing up thinking…the government exists to care for them.”
3. “Savings without a mission is garbage. Your money needs to work for you, not lie around you.”
4. “We have a retirement crisis in America today nor from a lack of money, but from a lack of vision”
5. “You must plan your work and then work your plan.”
6. “If you will do the things others won’t do then some day you will have the life others won’t have.”
7. “Pray like it all depends on God, but work like it all depends on you.”
8. “Passion is so key in leading and creating excellence that I will hire passion over education and talent every time.”
9. “You must sell benefits, not products.”
10. “Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!”
Dave Ramsey Quotes About Money
11. “If you keep doing the same things, you will keep getting the same results. You are where you are now financially as a sum total of the decisions you’ve made to this point.”
12. “To avoid criticism say nothing, do nothing, and be nothing.”
13. “A budget is people telling their money where to go instead of wondering where it went.”
14. “So content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.”
15. “Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, vision cleared, ambition inspired, and success achieved.”
16. “It is hard to work your day job and spend a ton of hours on your business, but it is harder to make a mistake and lose your home in foreclosure because you jumped before the boat was close enough to the dock.”
17. “For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.”
18. “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.”
19. “A lot of beginners in business think of marketing merely as selling.”
20. “Seth Godin says, “Instead of wondering when your next vacation is, maybe you should set up a life you don’t need to escape from.”
Dave Ramsey Quotes To Live By
21. “A budget is telling your money where to go instead of wondering where it went.”
22. “should always be dreaming. Dreaming is a sign you have hope.”
23. “There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt.”
24. “Measure your wealth not by the things you have, but by the things for which you would not take money.”
25. “Those who never make mistakes work for those of us who do.”
26. “Requiring nothing of a child gives them no opportunity for failure or success.”
27. “Over the long term you get what you deserve, and none of us like it when what we deserve is pain.”
28. “Business is really not that hard. You are, however, required to do the basics or you will not win.”
29. “A little bit of controlled pain when you’re six will change your life when you’re thirty-six.”
30. “We buy things we don’t need with money we don’t have to impress people we don’t like.”
Dave Ramsey Quotes About Living Responsibly
31. “If you will live like no one else, later you can live like no one else.”
32. “Act your wage.”
33. “Fun can be bought with money, but happiness cannot.”
34. “Fear is the enemy of hope.”
35. “Stupid is not illegal.”
36. “Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.”
37. “Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.”
38. “Being willing to delay pleasure for a greater result is a sign of maturity.”
39. “The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.”
40. “Nothing was left to chance; every smell, every piece of furniture, and certainly the design of the floor plans made these model homes world-class.”
Dave Ramsey Quotes About Live
41. “You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.”
42. “If you help enough people, you don’t have to worry about money.”
43. “A man with an experience is not at the mercy of a man with an opinion.”
44. “It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.”
45. “Winning at money is 80 percent behavior and 20 percent head knowledge.”
46. “Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.”
47. “We are scaling down” is a painful statement to make to friends or family.”
48. “investments are like manure. Left in one pile, it starts to stink. But when you spread it around, it grows things. I bet your financial guy never laid it out like that!”
49. “People who change their values, their ethics, are not trustworthy and should be avoided.”
50. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.”
Dave Ramsey Quotes About Discipline and Debt
51. “I believe that through knowledge and discipline, financial peace is possible for all of us.”
52. “If you wouldn’t want your mother to buy the item or the service then don’t sell it.”
53. “Having children doesn’t make you a good parent, it means you had sex. That’s all.”
54. “The German root word for “debt” is the same as for “guilt.”
55. “The number one problem that causes student loan debt? Parents that suck.”
56. “Parents who let teens run around with unearned adult freedoms are naive and stupid.”
58. “Dreaming also has a negative connotation as well. Some people dream and stop there. They never do anything about making their dreams come true.”
59. “We want it all, and we can borrow to get it all, before we can afford it all.”
60. “I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.”
61. “Live no one else today, so you can live like no else tomorrow”
62. “You have the clean canvas of a whole week before you. Paint well.”
63. “I like the way I’ve built wealth better than the way you haven’t.”
64. “There are no shortcuts when it comes to getting out of debt.”
65. “Doing a budget means learning an ancient and powerful word: no.”
66. “People will not buy from you if they don’t trust you, your product, and your company.”
67. “Life is not a snapshot, it’s a filmstrip.”
68. “Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card. We”
69. “If you are going to open a retail store you would want to consider Christmas. Most retailers make the majority of their entire year’s income between”
70. “If you as a leader allow people to halfway do their jobs and don’t demand excellence as a prerequisite to keeping their job, you will create a culture of mediocrity.”
71. “If you wouldn’t want your mother to buy the item or the service then don’t sell it.”
72. “We are being taught by everything around us to have dessert before dinner.” Now we are paying for our lack of knowledge and discipline.”
73. “Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.”
74. “The good thing about principles is that they make life easy. I have heard it said that when someone bases his life on principle, 99 percent of his decisions are already made.”
75. “Millionaires use coupons. Ninety-three percent of millionaires in the National Study of Millionaires shop with coupon discounts.”
76. “Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.”
77. “The problem with your company is not the economy, it is not the lack of opportunity, it is not your team. The problem is you. That is the bad news. The good news is, if you’re the problem, you’re also the solution. You’re the one person you can change the easiest. You can decide to grow. Grow your abilities, your character, your education, and your capacity. You can decide who you want to be and get about the business of becoming that person.”
78. “People were running around buying things they couldn’t afford with money they didn’t have to impress people they didn’t even like,”
79. “There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.”
80. “I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.”
81. “If I loan money to a friend or relative, the relationship will be strained or destroyed. The only relationship that would be enhanced is the kind resulting from one party being the master and the other party a servant.”
82. “There is no shortcut to anyplace worth going.”
83. “Earning a lot of money is not the key to prosperity. How you handle it is.”
84. “A typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.”