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All Quotes by author - 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. "
" 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. "
" A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy. "
" 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. "
" Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully. "
" Credit is an 'I love debt' score. "
" 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. "
" 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. "
" Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me. "
" 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 believe that through knowledge and discipline, financial peace is possible for all of us. "
" If you're able to pay your bills, you pay your bills. It's as simple as that. "
" 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. "
" I have done stupid with a lot of zeros on the end of it. I know what it looks like. "
" I have to live my books before I write them. "
" I like to write books where I get a question on the radio, and I don't have an answer for it. "
" 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. "
" 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. "
" I really am not a gold fan. "
" I think that anyone who wants to start their own business can, but not any type of business. "
" I think the lie we've told people in the marketplace is that a degree gets you a job. A degree doesn't get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful. "
" It takes some discipline and hard work, but relying on credit when things go wrong is a trap. "
" 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. "
" I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access. "
" I will never be unemployed. "
" Life will not make allowance for you, but it will pay you what you earn. "
" Most of the things we buy are wants. And we call them needs, but they're wants. "
" My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid. "
" My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table. "
" Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. "
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