Dave Ramsey quotes:

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.

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.

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.

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.

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.

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

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.

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

I think the lie we've told people in the marketplace is that a degree gets you a job. A degree doesn't get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful.

Pay your utilities, gas and other basic needs before paying on your debts.

Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.

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

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

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.

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

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.

Delegation requires the willingness to pay for short term failures in order to gain long term competency.

You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy.

I think that anyone who wants to start their own business can, but not any type of business.

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

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.

You need some quick wins in order to stay pumped enough to get out of debt completely.

The creature comforts we tend to rationalize as "business expenses I can write off."

Ideas are a dime a dozen. People who execute them are not.

When people get scared, they quit giving.

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

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.

I like to write books where I get a question on the radio, and I don't have an answer for it.

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.

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

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!

We live in a culture full of hares; but the tortoise always wins.

Rich isn't an amount of money, it's a mindset about how you live. If you believe you can win, you can.

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

The average millionaire can't tell you who got thrown off the island last night.

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 ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.

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

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.

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.

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

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.

Doing a budget means learning an ancient and powerful word: NO.

My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table.

Work is a surefire money-making scheme.

Bosses push, Leaders pull. Real leadership is servant leadership.

Servant Leadership is the only #leadership that ultimately works.

True leadership is servanthood. Put the interests of others at the center of your decisions.

You have to teach children about money intentionally - create teachable moments.

Teaching kids about money is never just about money.

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!

Goals are visions and dreams with work clothes on.

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.

While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon.

Credit is an 'I love debt' score.

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.

Most of the things we buy are wants. And we call them needs, but they're wants.

If people in America would get their finances together and start taking care of each other, we could put the government out of business.

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

If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don't owe anyone an apology for winning.

There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.

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

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.

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.

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

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

At the end of the day we are not selling, we are serving.

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.

Adults devise a plan and follow it, children do what feels good.

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

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

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.

One definition of maturity is learning to delay pleasure.

Work - get paid; don't work - don't get paid. Everybody is on commission, .. Try not coming to work for six weeks. Work gets paid; don't work, don't get paid. When they earn those dollars, and when you're 4, and you clean up your room, it really means mom cleaned up the room and you did two toys. When you're 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.

Remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus.

Your priorities, passions, goals, and fears are shown clearly in the flow of your money.

This is not a game, ... Debt has become a part of who we are. It's 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, that's an uphill climb in our culture right now, to go against that and say, 'Hey, let's be grownups here. Let's be mature, learn to delay pleasure, save up and pay for things.'

No one got rich on a government program. Do not choose to be a common man. You can be uncommon.

Goals convert vision into ENERGY.

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.

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

I would not pre-pay. I would invest instead and let the investments cover it.

Fear is the enemy of hope.

Everyone has some natural talent or aptitude in one or more areas. If you can identify those areas you not only will be happier and perform more successfully in that role, but you will also become better paid for that. Our free-market system pays for performance at some point. When you have a natural talent or aptitude, coupled with desire and experience, the result is productivity plus.

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.

Every person falls down at some point. Successful people choose to get back up!

Debt is dumb. Cash is king.

You must plan your work and then work your plan.

Outrageous generosity is a character quality of people who win with money.

Debt is normal. Be weird.

Making mistakes and learning from them is crucial to winning.

You don't build wealth with credit card rewards and airline miles. You can't beat the credit card companies at their own game.

If you help enough people, you don't have to worry about money.

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.

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

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

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

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

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.

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

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

You can't be in debt and win. It doesn't work.

Leading a family is the hardest job a man can ever have.

Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.

Those who don't manage their money will always work for those who do

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

We started in our living room on a card table in our living room, and we have a multi-million dollar company and we know it can be done without borrowing a dime. It takes a while to get it started and to turn the wheel over, but the next time it's easier and the next few hundred times, it's easier than that. Have a budget where you reinvest a percentage of every dollar you earn to grow it.

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.

If you arenâ??t really careful, 'The Good Enough' can become the enemy of 'The Best.'

There's a great place to go when you're broke--to work!

When leadership set the goals by themselves, they are not goals, they are quotas.

Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.

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

Investing is important, but get debt-free first. That's what frees up your income so you can win.

Work-get paid; don't work-don't get paid. Everybody is on commission

Contentment is both the fruit and the tree.

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.