Explore Quotes by Dave Ramsey

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

If you're doing something like scheduling utility payments to come through your debit card or out of your personal checking account, that's perfectly fine. But there are much safer ways to handle situations with debt collectors. You can send a money order overnight, or wire the cash to them.

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.

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

In the neighborhood where I grew up, it was a rough neighborhood - well, not rough, but it certainly wasn't upper class or anything. But I remember hearing things like, 'The little man just can't get ahead.' And if you start to believe that, then you know what? You don't get ahead.

Would a good friend, a smart friend, encourage you to do something as dishonorable as not pay a bill you're morally and legally obligated to pay? I don't think so.

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 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.

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

Life will not make allowance for you, but it will pay you what you earn.

Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest.

Credit is an 'I love debt' score.

The Bible clearly says that when we have a problem with our brother, we are to go to them and try to resolve the situation.

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.

There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there.

I always laugh and say I met God on the way up, and I got to know him on the way down. And so, as I'm crashing and losing everything, a lot of people run to God when they are struggling. And I was no exception.

I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access.

To be fair, the collection business does have a few good people in it. But it also has those who will lie and make threats.

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.

Babies are wonderful, important things. Having kids, even the thought of having kids, is a big emotional deal. But sometimes it can cause people to change their financial plans and directions.

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