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Dave Ramsey quotes page 1

born September 3, 1960; American financial author, radio host and public speaker; author of "The Total Money Makeover: A Proven Plan for Financial Fitness"

We buy things we don't need with money we don't have to impress people we don't like.
Dave Ramsey

Personal finance isn't rocket science. It's just common sense. It's how your grandparents
lived - if you don't have the money, you can't buy it!
Dave Ramsey

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

Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so
you can give money back and have money to invest. You can't win until you do this.
Dave Ramsey

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

If normal is good then that's ok, let's be normal. But normal is not good. Normal in America
today is 70% of Americans are living paycheck to paycheck according to the Wallstreet
journal. Normal in America today is bankruptcy is increased almost every single year. Normal
in America today is people work their whole lives and retire and say "I sure hope the
government, which is well known for it's ability to handle money, will take care of me." Normal
in America today is the number 1 cause for divorce in North America is money fights and
money problems.... Normal in America today is a car with a payment and no idea that "I'm
ever gonna live without a car payment"... Normal in America today is broke, and it sucks!
Looking good and no freaking money! Big hat, no cattle! That's normal. So don't talk to me
about normal. Normal sucks!
Dave Ramsey

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.
Dave Ramsey

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

Winning at money is 80 percent behavior and 20 percent head knowledge. Most of us know
what to do, but we just don't do it.
Dave Ramsey

If you want something you've never had, you'll have to do something you've never done.
Dave Ramsey

That stupid saying "What you don't know can't hurt you" is ridiculous. What you don't know
can kill you. If you don't know that tractor trailer trucks hurt when hitting you, then you can
play in the middle of the interstate with no fear - but that doesn't mean you won't get killed.
Dave Ramsey

Success is a pile of failure that you are standing on.
Dave Ramsey

Debt is normal. Be weird.
Dave Ramsey

Get in Total Attack Mode. All you have to do is execute, execute, execute now. If your
friends that are broke aren't making fun of you, then you are not on track. If your family
says, "Look, they've joined a cult!" then you are right on track.
Dave Ramsey

You can't work three hours a week and make $100,000. Get rich quick doesn't work. Crock
pot mentality always defeats microwave mentality!
Dave Ramsey

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

Debt has been sold to us so aggressively, so loudly, and so often that to imagine living
without debt requires myth-busting. 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…
Dave Ramsey

Broke people giving financial advice is like a shop teacher with missing fingers.
Dave Ramsey

First, stop the bleeding. You can't get out of a hole while you're digging out the bottom. Cut
up your credit cards! That's right - plastic surgery!
Dave Ramsey

If the Red-Faced Kid ("I want it, and I want it now!") rules your life, you will stay broke.
Dave Ramsey

We're not going to write a check every time you're stupid. Nobody's got that much money.
Dave Ramsey

I'm not against people having new cars. I'm against them having you. We spend a
tremendous amount impressing somebody at the stoplight who we'll never meet. It makes you
broke and keeps you broke.
Dave Ramsey

You wanna blow money? Put it in a "blow" category in your budget. But at least admit it on
paper!
Dave Ramsey

My financial life began turning around when I took responsibility for it.
Dave Ramsey

You must walk to the beat of a different drummer. The same beat that the wealthy hear. If
the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal,
because as my radio listeners know, normal is broke.
Dave Ramsey

Poor is a state of mind. Broke is, "I'm just passing through."
Dave Ramsey

Diligence = disciplined excellence over time.
Dave Ramsey

If you keep doing what you've been doing, you're gonna keep getting what you've been
getting. If you really want a different result, you gotta get knowledge, yes. But, more
importantly, you've got to change your behaviour permanently.
Dave Ramsey

Work is a surefire money-making scheme.
Dave Ramsey

Get on a budget. We recommend a zero based budget. Spend your whole paycheck on paper
before the month begins. Give every dollar a name. Every dollar has a predestination.
Dave Ramsey

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