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" 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
Face
You
Work
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" Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me. "
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" While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon. "
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" Credit is an 'I love debt' score. "
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" I have done stupid with a lot of zeros on the end of it. I know what it looks like. "
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" As much as I want to help people, I had to accept the fact long ago that being stupid with money isn't illegal. "
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" 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. "
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" Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. "
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" 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. "
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" You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy. "
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" I like to write books where I get a question on the radio, and I don't have an answer for it. "
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" I have to live my books before I write them. "
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" When people get scared, they quit giving. "
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" I believe that through knowledge and discipline, financial peace is possible for all of us. "
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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. "
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" 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. "
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" 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. "
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" You've got to tell your money what to do or it will leave. "
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Leave
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" 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. "
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Try
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" 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. "
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Losing
" I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access. "
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Seen
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" People are in such a hurry to launch their product or business that they seldom look at marketing from a bird's eye view and they don't create a systematic plan. "
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View
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" I really am not a gold fan. "
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Fan
Really
Gold
" Would a good friend, a smart friend, encourage you to do something as dishonorable as not pay a bill you're morally and legally obligated to pay? I don't think so. "
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Friend
Think
Smart
" We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products. "
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Good
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" My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table. "
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Eating
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Table
" You need some quick wins in order to stay pumped enough to get out of debt completely. "
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" 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. "
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" Pay your utilities, gas and other basic needs before paying on your debts. "
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