Explore the most impactful and insightful quotes and sayings by Dave Ramsey, and enrich your perspective with the wisdom. Share these inspiring Dave Ramsey quotes pictures with your friends on social media platforms such as Facebook, Twitter, or your personal blogs, completely free. Here are the top 211 Dave Ramsey quotes for you to read and share.

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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
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Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase. -- Dave Ramsey
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While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon. -- Dave Ramsey
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My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid. -- Dave Ramsey
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Foundations in Personal Finance. -- Dave Ramsey
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I really am not a gold fan. -- Dave Ramsey
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People who change their values, their ethics, are not trustworthy and should be avoided. -- Dave Ramsey
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As long as the sun was shining, life was a party, and the pig with brick seemed kind of nerdy, or overly conservative, or even fanatical. But when their stupid theories were stress tested, their houses fell. -- Dave Ramsey
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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. -- Dave Ramsey
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The haves and have-nots can often be traced back to the dids and did-nots. D. O. FLYNN -- Dave Ramsey
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I have to live my books before I write them. -- Dave Ramsey
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A lot of beginners in business think of marketing merely as selling. -- Dave Ramsey
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Money is 80% behavior, 20% head knowledge. It's what you do, not what you know. -- Dave Ramsey
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Financial Security is not enough money to buy toys. That is to learn to live with less money than you earn. So, you can help other individuals or investors. You are not a winner until done it -- Dave Ramsey
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You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy. -- Dave Ramsey
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Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That's a good way to end up broke. We've got to resist the temptation to catch up with our parents in 18 months. Slow down. You have the rest of your life to play catch up. After all, it's just stuff. -- Dave Ramsey
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I will never be unemployed. -- Dave Ramsey
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We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products. -- Dave Ramsey
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There's a whole generation growing up thinking ... the government exists to care for them. -- Dave Ramsey
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Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt. -- Dave Ramsey
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You must sell benefits, not products. -- Dave Ramsey
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because God has said, "Never will I leave you; never will I forsake you." HEBREWS 13:5 NIV -- Dave Ramsey
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I believe that through knowledge and discipline, financial peace is possible for all of us. -- Dave Ramsey
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When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman. -- Dave Ramsey
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You wanna blow money? Put it in a 'blow' category in your budget. But at least admit it on paper! -- Dave Ramsey
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Term Life Insurance is the only insurance I recommend. It's the least expensive way to get the coverage your family needs and allows you to lock in rates for 15, 20 or 30 years. Zander's online quoting system will help you find the most competitive options. It's more affordable than you think! -- Dave Ramsey
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Every person falls down at some point. Successful people choose to get back up! -- Dave Ramsey
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There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life. -- Dave Ramsey
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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 -- Dave Ramsey
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What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it. -- Dave Ramsey
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The first step in taking control of your money is to stop borrowing money. Start using cash today. -- Dave Ramsey
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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
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If you will make the sacrifices now that most people aren't willing to make, later on you will be able to live as those folks will never be able to live. -- Dave Ramsey
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Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn't the problem; doing it is. Most of us know what to do, but we just don't do it. If I can control the guy in the mirror, I can be skinny and rich. -- Dave Ramsey
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Goals are visions and dreams with work clothes on. -- Dave Ramsey
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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
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No one got rich on a government program. Do not choose to be a common man. You can be uncommon. -- Dave Ramsey
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Christmas is about giving. Be outrageously generous. Have fun, enjoy the process ... then keep it up all year. -- Dave Ramsey
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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
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You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities. -- Dave Ramsey
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When we're dealing with money in relationships, when we're dealing with money in our personal lives, when we're dealing with money in our families, the flow of money in a family represents the value system under which that family operates. -- Dave Ramsey
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God gives every bird its food, but He does not throw it into the nest. J. G. HOLLAND -- Dave Ramsey
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Pray like it all depends on God, but work like it all depends on you. -- Dave Ramsey
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If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don't owe anyone an apology for winning. -- Dave Ramsey
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When I do something stupid with money and lose it ... I call that Stupid Tax. I have paid so much Stupid Tax that I am expert. -- Dave Ramsey
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People are in such a hurry to launch their product or business that they seldom look at marketing from a bird's eye view and they don't create a systematic plan. -- Dave Ramsey
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Higher calling matters. When you care so deeply about the why-why you're doing what you're doing-then and only then are you operating in a way that allows you to overcome the obstacles. -- Dave Ramsey
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Your greatest asset is your paycheck. Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It's just as important as life insurance. -- Dave Ramsey
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Success is a pile of failure that you are standing on. -- Dave Ramsey
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Rich isn't an amount of money, it's a mindset about how you live. If you believe you can win, you can. -- Dave Ramsey
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Financial winners don't run sprints, they run marathons. They don't rush. They do it step by step over time. -- Dave Ramsey
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Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals. -- Dave Ramsey
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Just keep taking the next step and keep having excellence in the ordinary. -- Dave Ramsey
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Aristotle once said, To avoid criticism say nothing, do nothing, and be nothing. -- Dave Ramsey
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You have to teach children about money intentionally - create teachable moments. -- Dave Ramsey
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After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it. -- Dave Ramsey
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A budget is telling your money where to go instead of wondering where it went. -- Dave Ramsey
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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. -- Dave Ramsey
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I think that anyone who wants to start their own business can, but not any type of business. -- Dave Ramsey
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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. -- Dave Ramsey
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The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account. -- Dave Ramsey
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Contentment is both the fruit and the tree. -- Dave Ramsey
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You don't build wealth with credit card rewards and airline miles. You can't beat the credit card companies at their own game. -- Dave Ramsey
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We have a retirement crisis in America today nor from a lack of money, but from a lack of vision -- Dave Ramsey
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My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table. -- Dave Ramsey
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A budget is people telling their money where to go instead of wondering where it went. You -- Dave Ramsey
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When you're trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive. -- Dave Ramsey
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You're not a bad parent if you don't save for your kid's college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called 'work' while they're in school. -- Dave Ramsey
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Stupid is not illegal. -- Dave Ramsey
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I have done stupid with a lot of zeros on the end of it. I know what it looks like. -- Dave Ramsey
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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. -- Dave Ramsey
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Opening your hands will set you free ... -- Dave Ramsey
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Savings without a mission is garbage. Your money needs to work for you, not lie around you. -- Dave Ramsey
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Thinking about starting a small business? Assume everything will cost twice as much and take twice as long as you think it will. -- Dave Ramsey
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At the end of the day we are not selling, we are serving. -- Dave Ramsey
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One definition of maturity is learning to delay pleasure. -- Dave Ramsey
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Retirement in America has come to mean "save enough money so I can quit the job I hate. -- Dave Ramsey
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You need some quick wins in order to stay pumped enough to get out of debt completely. -- Dave Ramsey
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If you buy a $28,000 car, in four years it will be worth about 11,000 bucks. -- Dave Ramsey
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If you help enough people, you don't have to worry about money. -- Dave Ramsey
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When leadership set the goals by themselves, they are not goals, they are quotas. -- Dave Ramsey
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A good man leaves an inheritance to his children's children (Prov. 13:22 NKJV). I -- Dave Ramsey
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Debt gives you the ability to look like you're winning when you're not. -- Dave Ramsey
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The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge. -- Dave Ramsey
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Teaching kids about money is never just about money. -- Dave Ramsey
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Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His. -- Dave Ramsey
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If you aren't
really careful, 'The Good Enough' can become the enemy of 'The Best.' -- Dave Ramsey
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You cannot lead without passion. Passion causes things to move, and passion creates a force multiplier. Passion actually covers a multitude of sins. Real EntreLeaders care deeply, and that is basically what passion is. Passion is not yelling or being wild; it is simply caring deeply. -- Dave Ramsey
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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. -- Dave Ramsey
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Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully. -- Dave Ramsey
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Leadership responsibility: If you own a biz, you're the head of the org. Good or bad, your company will LOOK and ACT like you do. -- Dave Ramsey
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You don't need credit. -- Dave Ramsey
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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. HELEN KELLER -- Dave Ramsey
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I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would win with money. -- Dave Ramsey
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You must learn to control your money, or to the permanent deprivation control you -- Dave Ramsey
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You must plan your work and then work your plan. -- Dave Ramsey
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The love of money, not money, is root of all evil. -- Dave Ramsey
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I'm a Christian. Years ago, I went broke, so I decided to run every part of my life according to the Bible. It sounds hokey, but it works. You run your marriage that way, and it works. It will work with business, too, and finances. Treat people like you want to be treated. -- Dave Ramsey
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The creature comforts we tend to rationalize as "business expenses I can write off." -- Dave Ramsey
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Live like no else today, so you can live like no else tomorrow. -- Dave Ramsey
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Be very proud of what you do, and if you aren't then change it. -- Dave Ramsey
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Hope is steel covered in velvet. It can seem soft and cuddly, but hope is at the core of what makes people become what God designed them to be. Hope and its sister, faith, always create action. -- Dave Ramsey
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A natural saver is great until he never spends and is tight-fisted with giving. A natural spender is great until she finds herself deeply in debt and unable to give. A natural giver is great until there are no savings when a problem arises and there is no personal enjoyment of money. -- Dave Ramsey
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We've really got to stop looking to Washington to fix our problems. It obviously doesn't have the ability to do that. People who are successful are not successful because of the president. -- Dave Ramsey
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Doing a budget means learning an ancient and powerful word: NO. -- Dave Ramsey
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True leadership is servanthood. Put the interests of others at the center of your decisions. -- Dave Ramsey
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The only reason to go into business is to make money. You have to work hard at it. If you're not passionate about it, you'll burn out so fast that it is incredible. -- Dave Ramsey
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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
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The bridge between failure and success is hope. THOMAS JEFFERSON -- Dave Ramsey
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Earning a lot of money is not the key to prosperity. How you handle it is. -- Dave Ramsey
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Remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. -- Dave Ramsey
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Great talent stands in line to join your team because the culture becomes the stuff of legend. -- Dave Ramsey
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Gratitude is really, really attractive. A child who is genuinely grateful makes you want to do anything for her, and that is true of adults as well. -- Dave Ramsey
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Pay your utilities, gas and other basic needs before paying on your debts. -- Dave Ramsey
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If you come with mercy but not justice; that's called enabling. -- Dave Ramsey
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This is a great time for the 'guerilla marketer.' The days when you used to have to buy expensive TV time and a yellow page ad to get started are gone. -- Dave Ramsey
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Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user. -- Dave Ramsey
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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! -- Dave Ramsey
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We buy things we don't need with money we don't have to impress people we don't like. -- Dave Ramsey
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If you will do the things others won't do then some day you will have the life others won't have. -- Dave Ramsey
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Debt is dumb. Cash is king. -- Dave Ramsey
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Dorothy Bernard says that courage is just fear that has said its prayers. -- Dave Ramsey
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You will only sacrifice when you passionately believe in the outcome. -- Dave Ramsey
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Broke people giving financial advice is like a shop teacher with missing fingers. -- Dave Ramsey
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You've got to tell your money what to do or it will leave. -- Dave Ramsey
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We live in a culture full of hares; but the tortoise always wins. -- Dave Ramsey
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The accountability of a group environment causes people to change their behaviors. -- Dave Ramsey
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If you have a customer who is able to make the purchase, they trust you, and you have shown them the benefits of the purchase, they will close themselves; you do not need some arm-twisting technique. -- Dave Ramsey
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Work-get paid; don't work-don't get paid. Everybody is on commission -- Dave Ramsey
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Outrageous generosity is a character quality of people who win with money. -- Dave Ramsey
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Work is doing it. Discipline is doing it every day. Diligence is doing it well every day. -- Dave Ramsey
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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. -- Dave Ramsey
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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 -- Dave Ramsey
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Servant Leadership is the only #leadership that ultimately works. -- Dave Ramsey
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Financial Peace Jr. -- Dave Ramsey
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You can't be in debt and win. It doesn't work. -- Dave Ramsey
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I would not pre-pay. I would invest instead and let the investments cover it. -- Dave Ramsey
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Fear is the enemy of hope. -- Dave Ramsey
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Debt has become a part of who we are. -- Dave Ramsey
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Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy. -- Dave Ramsey
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There are no shortcuts when it comes to getting out of debt. -- Dave Ramsey
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It's never too late to turn things around. You are the only obstacle. -- Dave Ramsey
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Anytime you open a business, you have to be effective in promoting whether it's a franchise or not. You'll need to learn to be a Web marketer extraordinaire. There's plenty of material out there. -- Dave Ramsey
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I like to write books where I get a question on the radio, and I don't have an answer for it. -- Dave Ramsey
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Traction equals satisfaction -- Dave Ramsey
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In order to be a great marketer, you have to be focused and intense and look at scarcity, urgency, activity and passion in the marketplace. -- Dave Ramsey
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If your life is bad because of an elected official, then you don't have a life. -- Dave Ramsey
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Seems almost as if the very thing we thought would make us happy (stuff) has stolen the thing that among others brings us the most happiness: relationships, real connected time-invested relationships. Relationships -- Dave Ramsey
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I finally realized that results are generated by activities. If I manage my activities then the results I want occur. -- Dave Ramsey
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You must gain control over your money or the lack of it will forever control you. -- Dave Ramsey
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Your priorities, passions, goals, and fears are shown clearly in the flow of your money. -- Dave Ramsey
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Leading a family is the hardest job a man can ever have. -- Dave Ramsey
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Credit is an 'I love debt' score. -- Dave Ramsey
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If we aren't profitable by December 20, I will close the business. That would leave him about $800,000, plus his retirement money and home, and he would do something else to earn a living. -- Dave Ramsey
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Those who don't manage their money will always work for those who do -- Dave Ramsey
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You will either learn to manage money, or the lack of it will manage you. -- Dave Ramsey
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The rich rule over the poor, and the borrower is slave to the lender (NIV). -- Dave Ramsey
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Adults devise a plan and follow it, children do what feels good. -- Dave Ramsey
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As you will it, so shall it be. -- Dave Ramsey
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You're not exempt from math if you're a Republican, and you're not exempt from math if you're a Democrat. You're not exempt from math if you're a liberal, and you're not exempt from math if you're a conservative. You still have to do math. -- Dave Ramsey
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A lower interest rate doesn't make a debt go away. -- Dave Ramsey
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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
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I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person. -- Dave Ramsey
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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. -- Dave Ramsey
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One reason people make bad decisions is they don't have a good decision as one of their options. -- Dave Ramsey
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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
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Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give. -- Dave Ramsey
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We are scaling down is a painful statement to make to friends or family. -- Dave Ramsey
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The world will try to tell you that you need stuff to be somebody. Don't listen -- Dave Ramsey
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Having children doesn't make you a good parent, it means you had sex. That's all. -- Dave Ramsey
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More wealth doesn't fix your life. More wealth makes you more of what you already are. -- Dave Ramsey
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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. -- Dave Ramsey
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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. -- Dave Ramsey
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John Maxwell says a budget (for your money) is telling your money where to go instead of wondering where it went. Managing time is the same; you will either tell your day what to do or you will wonder where it went. -- Dave Ramsey
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Fun can be bought with money, but happiness cannot. -- Dave Ramsey
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We learned early on that if we help enough people, the money will come. -- Dave Ramsey
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When you create a basic budget and stick to it, it will suddenly seem like you have more money. -- Dave Ramsey
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Measure your wealth not by the things you have, but by the things for which you would not take money. -- Dave Ramsey
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Ideas are a dime a dozen. People who execute them are not. -- Dave Ramsey
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I can't tell you how many home businesses are almost in bankruptcy court over a Yellow Pages ad only to find out that the Yellow Pages ad isn't where their market will look for them, and it cost more than they thought. -- Dave Ramsey
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You can get anywhere if you simply go one step at a time. -- Dave Ramsey
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Making mistakes and learning from them is crucial to winning. -- Dave Ramsey
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When people get scared, they quit giving. -- Dave Ramsey
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There's a great place to go when you're broke
to work! -- Dave Ramsey
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If people in America would get their finances together and start taking care of each other, we could put the government out of business. -- Dave Ramsey
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Good to Great by my friend Jim Collins. -- Dave Ramsey
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A big part of being strong financially is that you know where you are weak and take action to make sure you don't fall prey to the weakness. And we ALL are weak -- Dave Ramsey
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A good financial planner is going to do more than pick your funds. -- Dave Ramsey
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Instead of just purchasing an ad campaign, target test and measure. Give an ad a small try. If the response is enough to pay for the ad, make it larger. With a franchise, ask the most successful franchisees what they did. Ask the bottom five guys what they did and avoid it. -- Dave Ramsey
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Most of the things we buy are wants. And we call them needs, but they're wants. -- Dave Ramsey
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I've got a young man who works for me who says you don't need to discover your dreams - you need to recover them. -- Dave Ramsey
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Do not let your life, ministry or organization go faster than your resources. -- Dave Ramsey
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Poor is a state of mind. Broke is, 'I'm just passing through.' -- Dave Ramsey
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If you will live like no one else, later you can live like no one else. -- Dave Ramsey
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The paid-off home mortgage has taken the place of the BMW as the status symbol of choice. -- Dave Ramsey
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The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned. -- Dave Ramsey
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Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things. -- Dave Ramsey
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You have the clean canvas of a whole week before you. Paint well. -- Dave Ramsey
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Being willing to delay pleasure for a greater result is a sign of maturity. -- Dave Ramsey
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Enabling is the enemy of motivation. -- Dave Ramsey
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Be an evangelist with your excellence. -- Dave Ramsey
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Bosses push, Leaders pull. Real leadership is servant leadership. -- Dave Ramsey
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A man with an experience is not at the mercy of a man with an opinion. -- Dave Ramsey
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Delegation requires the willingness to pay for short term failures in order to gain long term competency. -- Dave Ramsey
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Parents who let teens run around with unearned adult freedoms are naive and stupid. -- Dave Ramsey
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Debt is normal. Be weird. -- Dave Ramsey
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A little bit of controlled pain when you're six will change your life when you're thirty-six. -- Dave Ramsey
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Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better. -- Dave Ramsey
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Investing is important, but get debt-free first. That's what frees up your income so you can win. -- Dave Ramsey
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This is a book about winning, -- Dave Ramsey
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Broke is normal. Why be normal? -- Dave Ramsey