David Lawrence Ramsey III is an American radio show host, author and businessman. Profoundly inspirational Dave Ramsey quotes will encourage you to think a little deeper than you usually would and broaden your perspective.

Famous Dave Ramsey Quotes

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

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

Winning at money is 80 percent behavior and 20 percent head knowledge. Dave Ramsey

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

Your greatest asset is your paycheck. Dave Ramsey

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

Someone who never has fun with money misses the point. Dave Ramsey

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

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

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

People will not buy from you if they don’t trust you, your product, and your company. Dave Ramsey

You have the clean canvas of a whole week before you. Paint well. Dave Ramsey

If you wouldn’t want your mother to buy the item or the service then don’t sell it. Dave Ramsey

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

Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is a slave to the lender. Dave Ramsey

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

Fun can be bought with money, but happiness cannot. Dave Ramsey

Those who don’t manage their money will always work for those who do Dave Ramsey

If you will do the things others won’t do then some day you will have the life others won’t have. Dave Ramsey

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

We are being taught by everything around us to have dessert before dinner. Now we are paying for our lack of knowledge and discipline. Dave Ramsey

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

If you’re married, agree on the budget with your spouse. This one sentence requires a stand-alone book to describe how, but the bottom line is this: if you aren’t working together, it is almost impossible to win. Once the budget is agreed on and is in writing, pinky swear and spit shake that you will never do anything with money that is not on that paper. The paper is the boss of the money, and you are the boss of what goes on the paper, but you have to stick to the budget, or it’s just an elaborate theory. Dave Ramsey

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

The number one problem that causes student loan debt? Parents that suck. Dave Ramsey

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

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

You can get anywhere if you simply go one step at a time. Dave Ramsey

Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like. Dave Ramsey

The first step in taking control of your money is to stop borrowing money. Start using cash today. Dave Ramsey

Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user. Dave Ramsey

More wealth doesn’t fix your life. More wealth makes you more of what you already are. Dave Ramsey

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

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

Money is like a beautiful thoroughbred horse very powerful and always in action. But unless this horse is trained when very young, it will be an out of control and dangerous animal when it grows to maturity. Dave Ramsey

Great talent stands in line to join your team because the culture becomes the stuff of legend. Dave Ramsey

Making a budget means learning an ancient and powerful word: no. Dave Ramsey

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

Act your wage. Dave Ramsey

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

Knock out a small debt first so you get a quick win. Momentum is key. Dave Ramsey

Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user. Dave Ramsey

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. Dave Ramsey

Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt. Dave Ramsey

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

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

Parents who let teens run around with unearned adult freedoms are naive and stupid. Dave Ramsey

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

There are no shortcuts when it comes to getting out of debt. Dave Ramsey

How you handle or mishandle your money tells us who you are and, more important, it tells YOU who you are. Your priorities, passions, goals, and fears are shown clearly in the flow of your money. Your value system, or lack of one causes money to flow around you, passed you, or to you. When money is in your possession, what you do with it screams loudly who you are. Dave Ramsey

You can’t work three hours a week and make $100,000. Dave Ramsey

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

Bosses push, Leaders pull. Real leadership is servant leadership. 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! Dave Ramsey

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

Measure your wealth not by the things you have, but by the things for which you would not take money. Dave Ramsey

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

Savings without a mission is garbage. 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

The German root word for ‘debt’ is the same as for ‘guilt. Dave Ramsey

Knock out a small debt first so you get a quick win. Momentum is key. Dave Ramsey

The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth building tool, but the truth is that the lottery is a rip off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out. Dave Ramsey

The paid off home mortgage has taken the place of the BMW as the status symbol of choice. Dave Ramsey

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

Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give. 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

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

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

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

I believe that through knowledge and discipline, financial peace is possible for all of us. Dave Ramsey

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

Humpty Dumpty is hard to put back together and so is trust. Dave Ramsey

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

No one wins the Super Bowl accidentally. Be intentional. Be Passionate. Don’t mail it in! You got this! Dave Ramsey

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

Dreaming is a sign you have hope. Dave Ramsey

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

Life is not a snapshot, it’s a filmstrip. Dave Ramsey

Debt is normal! So why be normal?

If you invest $464 in a good mutual fund every month from age thirty to age seventy, you’ll end up with more than $5 million. Dave Ramsey

Fear is the enemy of hope.

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

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.

I like the way I’ve built wealth better than the way you haven’t. Dave Ramsey

I believe that through knowledge and discipline, financial peace is possible for all of us.

The love of money, not money, is root of all evil. Dave Ramsey

There’s a whole generation growing up thinking the government exists to care for them.

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

Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!

Children are sponges they are going to absorb whatever is around them, so we need to be intentional about what surrounds them. Dave Ramsey

You must plan your work and then work your plan.

I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person. Dave Ramsey

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

A good man leaves an inheritance to his children’s children. Dave Ramsey

If broke people are making fun of your financial plan, you’re on track.

I do recommend that most people sell the car with the most debt on it. A good rule of thumb on items except the house is this: if you can’t be debt free on it not counting the home in eighteen to twenty months, sell it. If you have a car or a boat that you can’t pay off in eighteen to twenty months, sell it. It is just a car; dynamite the logjam! I used to love my car, too, but I found keeping that huge debt while trying to get out of debt was like running a race wearing ankle weights. Get a Total Money Makeover, so later you can drive anything you want and pay cash for it. When it comes to that debt ridden item, you may have to make the decision to live like no one else; but remember, later you will be living, or driving, like no one else. Dave Ramsey

If you want something you’ve never had, you’ll have to do something you’ve never done.

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