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Welcome to our collection of quotes by Dave Ramsey. We hope you enjoy pondering them and please share widely.

Wikipedia Summary for Dave Ramsey

David Lawrence Ramsey III (born September 3, 1960) is an American personal finance personality, radio show host, author, and businessman. He is an evangelical Christian, and hosts the nationally syndicated radio program The Ramsey Show. Ramsey has written several books, including The New York Times bestseller The Total Money Makeover, and hosted a television show on Fox Business from 2007 to 2010.

quote by Dave Ramsey: I will never be unemployed. with background image: photo of author Dave Ramsey with quote

I will never be unemployed.

--Dave Ramsey
quote by Dave Ramsey: There's always something that needs attention when you own a property. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: I have to live my books before I write them. with background image: photo of author Dave Ramsey with quote

I have to live my books before I write them.

--Dave Ramsey
quote by Dave Ramsey: You don't need credit. with background image: photo of author Dave Ramsey with quote

You don't need credit.

--Dave Ramsey
quote by Dave Ramsey: When people get scared, they quit giving. with background image: photo of author Dave Ramsey with quote

When people get scared, they quit giving.

--Dave Ramsey
quote by Dave Ramsey: I would not pre-pay. I would invest instead and let the investments cover it. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Debt is dumb. Cash is king. with background image: photo of author Dave Ramsey with quote

Debt is dumb. Cash is king.

--Dave Ramsey
quote by Dave Ramsey: Debt is normal. Be weird. with background image: photo of author Dave Ramsey with quote

Debt is normal. Be weird.

--Dave Ramsey
quote by Dave Ramsey: Whining shows a lack of character. If you don't like the way something is, do something to change it. with background image: photo of author Dave Ramsey with quote

Whining shows a lack of character. If you don't like the way something is, do something to change it.

--Dave Ramsey
quote by Dave Ramsey: The average millionaire can't tell you who got thrown off the island last night. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Don't give money to people who won't behave properly with it. You'll just enable bad behavior. with background image: photo of author Dave Ramsey with quote

Don't give money to people who won't behave properly with it. You'll just enable bad behavior.

--Dave Ramsey
quote by Dave Ramsey: Saving must become a priority, not just a thought. Pay yourself first. with background image: two private jets money plane
Background Photo: Niklas Jonasson

Saving must become a priority, not just a thought. Pay yourself first.

--Dave Ramsey
quote by Dave Ramsey: Being willing to delay pleasure for a greater result is a sign of maturity. with background image: photo of author Dave Ramsey with quote

Being willing to delay pleasure for a greater result is a sign of maturity.

--Dave Ramsey
quote by Dave Ramsey: A lower interest rate doesn't make a debt go away. with background image: photo of author Dave Ramsey with quote

A lower interest rate doesn't make a debt go away.

--Dave Ramsey
quote by Dave Ramsey: A budget isn't about restricting what you can spend. It gives you permission to spend without guilt or regret. with background image: photo of author Dave Ramsey with quote

A budget isn't about restricting what you can spend. It gives you permission to spend without guilt or regret.

--Dave Ramsey
quote by Dave Ramsey: Too many people buy things they don't need with money they don't have to impress people they don't like. with background image: photo of author Dave Ramsey with quote

Too many people buy things they don't need with money they don't have to impress people they don't like.

--Dave Ramsey
quote by Dave Ramsey: As much as I want to help people, I had to accept the fact long ago that being stupid with money isn't illegal. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: We've really got to stop looking to Washington to fix our problems. It obviously doesn't have the ability to do that. People who are successful are not successful because of the president. with background image: photo of author Dave Ramsey with quote

We've really got to stop looking to Washington to fix our problems. It obviously doesn't have the ability to do that. People who are successful are not successful because of the president.

--Dave Ramsey
quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey
quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey
quote by Dave Ramsey: If you're able to pay your bills, you pay your bills. It's as simple as that. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey
quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey
quote by Dave Ramsey: You will either tell your money what to do or the lack of it will always manage you. with background image: photo of author Dave Ramsey with quote

You will either tell your money what to do or the lack of it will always manage you.

--Dave Ramsey

quote by Dave Ramsey: We buy things we don't need with money we don't have to impress people we don't like. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: You know what you can do when you don't have any payments? Anything you want. with background image: photo of author Dave Ramsey with quote

You know what you can do when you don't have any payments? Anything you want.

--Dave Ramsey
quote by Dave Ramsey: Contentment is both the fruit and the tree. with background image: photo of author Dave Ramsey with quote

Contentment is both the fruit and the tree.

--Dave Ramsey

quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey
quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey

quote by Dave Ramsey: You don't build wealth with credit card rewards and airline miles. You can't beat the credit card companies at their own game. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: You must learn to control your money, or to the permanent deprivation control you. with background image: photo of author Dave Ramsey with quote

You must learn to control your money, or to the permanent deprivation control you.

--Dave Ramsey
quote by Dave Ramsey: Work is a surefire money-making scheme. with background image: photo of author Dave Ramsey with quote

Work is a surefire money-making scheme.

--Dave Ramsey
quote by Dave Ramsey: A big part of being strong financially is that you know where you are weak and take action to make sure you don't fall prey to the weakness. And we ALL are weak. with background image: photo of author Dave Ramsey with quote

A big part of being strong financially is that you know where you are weak and take action to make sure you don't fall prey to the weakness. And we ALL are weak.

--Dave Ramsey
quote by Dave Ramsey: Work is doing it. Discipline is doing it every day. Diligence is doing it well every day. with background image: photo of author Dave Ramsey with quote

Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.

--Dave Ramsey
quote by Dave Ramsey: Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey

quote by Dave Ramsey: What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it. with background image: photo of author Dave Ramsey with quote

What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it.

--Dave Ramsey
quote by Dave Ramsey: No one wins the Super Bowl accidentally. Be intentional, Be Passionate, Don't mail it in! You got this! with background image: photo of author Dave Ramsey with quote

No one wins the Super Bowl accidentally. Be intentional, Be Passionate, Don't mail it in! You got this!

--Dave Ramsey

quote by Dave Ramsey: Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Knock out a small debt first so you get a quick win. Momentum is key. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: A budget is telling your money where to go instead of wondering where it went. with background image: airplane wing above body of water during daytime
Background Photo: Kirill

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

--Dave Ramsey
quote by Dave Ramsey: Financial winners don't run sprints, they run marathons. They don't rush. They do it step by step over time. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey
quote by Dave Ramsey: Outrageous generosity is a character quality of people who win with money. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: You have the clean canvas of a whole week before you. Paint well. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey

quote by Dave Ramsey: The love of money, not money, is root of all evil. with background image: photo of author Dave Ramsey with quote

The love of money, not money, is root of all evil.

--Dave Ramsey
quote by Dave Ramsey: There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Life will not make allowance for you, but it will pay you what you earn. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Adults devise a plan and follow it, children do what feels good. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey


quote by Dave Ramsey: If your life is bad because of an elected official, then you don't have a life. with background image: photo of author Dave Ramsey with quote

If your life is bad because of an elected official, then you don't have a life.

--Dave Ramsey
quote by Dave Ramsey: If you come with mercy but not justice; that's called enabling. with background image: photo of author Dave Ramsey with quote

If you come with mercy but not justice; that's called enabling.

--Dave Ramsey

quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey

quote by Dave Ramsey: No one got rich on a government program. Do not choose to be a common man. You can be uncommon. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: The first step in taking control of your money is to stop borrowing money. Start using cash today. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey
quote by Dave Ramsey: Delegation requires the willingness to pay for short term failures in order to gain long term competency. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: I think what y'all are doing is great. (The Dave Ramsey Show, September 2012). with background image: photo of author Dave Ramsey with quote

I think what y'all are doing is great. (The Dave Ramsey Show, September 2012).

--Dave Ramsey
quote by Dave Ramsey: Be an evangelist with your excellence. with background image: photo of author Dave Ramsey with quote

Be an evangelist with your excellence.

--Dave Ramsey
quote by Dave Ramsey: Broke people giving financial advice is like a shop teacher with missing fingers. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy. with background image: photo of author Dave Ramsey with quote

Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy.

--Dave Ramsey
quote by Dave Ramsey: Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase. with background image: photo of author Dave Ramsey with quote

Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.

--Dave Ramsey
quote by Dave Ramsey: Leading a family is the hardest job a man can ever have. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey
quote by Dave Ramsey: A lower interest rate doesn't make a debt go away. with background image: photo of author Dave Ramsey with quote

A lower interest rate doesn't make a debt go away.

--Dave Ramsey
quote by Dave Ramsey: Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building! with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Earning a lot of money is not the key to prosperity. How you handle it is. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey

quote by Dave Ramsey: Just keep taking the next step and keep having excellence in the ordinary. with background image: photo of author Dave Ramsey with quote

Just keep taking the next step and keep having excellence in the ordinary.

--Dave Ramsey

quote by Dave Ramsey: You can get anywhere if you simply go one step at a time. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Nothing happens without focus. Don't try to do everything at once. Take it one step at a time. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Poor is a state of mind. Broke is, 'I'm just passing through.' with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: Doing a budget means learning an ancient and powerful word: NO. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey

quote by Dave Ramsey: After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it. with background image: photo of author Dave Ramsey with quote

After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it.

--Dave Ramsey
quote by Dave Ramsey: Servant Leadership is the only #leadership that ultimately works. with background image: photo of author Dave Ramsey with quote

Servant Leadership is the only #leadership that ultimately works.

--Dave Ramsey
quote by Dave Ramsey: Teaching kids about money is never just about money. with background image: photo of author Dave Ramsey with quote

Teaching kids about money is never just about money.

--Dave Ramsey
quote by Dave Ramsey: True leadership is servanthood. Put the interests of others at the center of your decisions. with background image: man and woman facing backward while woman's head on man's shoulder on tip of hill
Background Photo: Aiony Haust

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

--Dave Ramsey
quote by Dave Ramsey: Goals are visions and dreams with work clothes on. with background image: photo of author Dave Ramsey with quote

Goals are visions and dreams with work clothes on.

--Dave Ramsey
quote by Dave Ramsey: Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices! with background image: photo of author Dave Ramsey with quote

Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices!

--Dave Ramsey
quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey
quote by Dave Ramsey: Great talent stands in line to join your team because the culture becomes the stuff of legend. with background image: photo of author Dave Ramsey with quote

Great talent stands in line to join your team because the culture becomes the stuff of legend.

--Dave Ramsey
quote by Dave Ramsey: Investing is important, but get debt-free first. That's what frees up your income so you can win. with background image: photo of author Dave Ramsey with quote

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

--Dave Ramsey
quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey

quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey
quote by Dave Ramsey: 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. with background image: photo of author Dave Ramsey with quote

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.

--Dave Ramsey

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