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" 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

Thought

Change

Financial

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

" 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. "

" You have to teach children about money intentionally - create teachable moments. "

" There are no shortcuts when it comes to getting out of debt. "

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

" 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. "

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

" I believe that through knowledge and discipline, financial peace is possible for all of us. "

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

" 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. "

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

" 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. "

" When people get scared, they quit giving. "

" 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 will never be unemployed. "

" Most of the things we buy are wants. And we call them needs, but they're wants. "

" I have to live my books before I write them. "

" 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. "

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

" Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me. "

Dave Ramsey

Worst

Hard

" 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. "

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

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

" 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. "

" 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. "

" You don't need credit. "

" 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 can't be in debt and win. It doesn't work. "

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

" 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. "