Quotes by Dave Ramsey

“Im not against people having new cars. Im against them having you. We spend a tremendous amount impressing somebody at the stoplight who well never meet. It makes you broke and keeps you broke.”

“For a period of time, you can win financially and later buy whatever you want.”

“This is not a game, ... Debt has become a part of who we are. Its become that spoiled child in the grocery store with their lip stuck out: I want it. I want it. I deserve it because I breathe air. And, well, thats an uphill climb in our culture right now, to go against that and say, Hey, lets be grownups here. Lets be mature, learn to delay pleasure, save up and pay for things.”

“Consumers got to wake up and just say no.”

“Work - get paid; dont work - dont get paid. Everybody is on commission, ... Try not coming to work for six weeks. Work gets paid; dont work, dont get paid. When they earn those dollars, and when youre 4, and you clean up your room, it really means mom cleaned up the room and you did two toys. When youre 14, it means you cleaned up your room. But still, we got the money caused by work, and then, we have teachable moments on how to handle the money they earn.”

“Jerry, ... do not marry this girl unless you get some premarital counseling. Period.”

“Let some one else take the butt kicking on devaluation.”

“You will be back here supplementing that appropriation again, again and again,”

“Im not talking about Hitlers boot camp for kids or something. But they do need to learn to work, ... Graduate from high school with something more than the ability to open a bag of Doritos and play Nintendo. Thats a bad plan. Work creates money. I meet 54-year-olds that havent got that one down.”

We buy things we dont need with money we dont have to impress people we dont like.

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

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

We have a retirement crisis in America today nor from a lack of money, but from a lack of vision

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 youre the problem, youre also the solution. Youre 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.

Theres a whole generation growing up thinking...the government exists to care for them.

The weird thing is that the more efficient, on task, on goal you are with your time, the more energy you have. Working with no traction, or for that matter simply wasting a day, does not relax you, it drains you.//Strange as it may seem, when you work a daily plan in pursuit of your written goals that flow from your mission statement born of your vision for living your dreams, you are energized after a tough long day.

Traction equals satisfaction

Live no one else today, so you can live like no else tomorrow

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.

People are in such a hurry to launch their product or business that they seldom look at marketing from a birds eye view and they dont create a systematic plan.