Dave Ramsey

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.'

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.

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.

You will either learn to manage money, or the lack of it will manage you.

Thinking about starting a small business? Assume everything will cost twice as much and take twice as long as you think it will.

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.

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.

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

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