Dave Ramsey

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.

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.

Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to do. Most of them don't care about you or your situation as long as they get some money.

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

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

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

As parents, we teach our kids about things we feel competent in. That's why so many parents don't teach their kids about money.

You've got to tell your money what to do or it will leave.

Surround yourself with people who add the fuel of advice and encouragement to your fire.

Teaching kids about money is never just about money.

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

As much as I want to help people, I had to accept the fact long ago that being stupid with money isn't illegal.

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.

It takes some discipline and hard work, but relying on credit when things go wrong is a trap.

Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life.

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

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

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

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

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.

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