Explore Quotes by Dave Ramsey

What your beliefs are about anything creates your actions. What you believe about marriage creates the way you handle your marriage. What you believe about raising kids creates the way you do that.

I really am not a gold fan.

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.

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

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.

Trust me, I know, you can make mistakes with money and still raise money-smart kids. You can start a new family tradition of handling money the right way.

There's always something that needs attention when you own a property.

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.

If you're able to pay your bills, you pay your bills. It's as simple as that.

Once I will warn you, and then I will fire you! I have a zero-tolerance-plus-one policy for gossip. I will teach you once, and then I will fire your butt.

A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy.

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

Your FICO score is an "I love debt" score. You're going to pay a bazillion dollars in interest to keep your FICO score up in order to have lower homeowner's and car insurance rates.

There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt. It's not going to work.

Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.

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

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

I have done stupid with a lot of zeros on the end of it. I know what it looks like.

When we talk about kids earning commission for chores, we always have at least one parent who argues that children should do chores because they are part of the family. I agree, but if you don't involve money in a few chores, you lose the teachable moments in the work, spend, save, and give principles.

I will never be unemployed.

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