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" I have to live my books before I write them. "
Dave Ramsey
Before
Write
Books
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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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" I believe that through knowledge and discipline, financial peace is possible for all of us. "
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" 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. "
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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
Wife
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. "
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" If you're able to pay your bills, you pay your bills. It's as simple as that. "
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" 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. "
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College
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You
" A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy. "
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Vacation
Start
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" Pay your utilities, gas and other basic needs before paying on your debts. "
Dave Ramsey
Pay
Your
Before
" I think that anyone who wants to start their own business can, but not any type of business. "
Dave Ramsey
Business
Start
Wants
" 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
Lie
People
Business
" I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access. "
Dave Ramsey
Seen
More
Access
" 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. "
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Lie
Yourself
Think
" 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. "
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Face
You
Work
" You can't be in debt and win. It doesn't work. "
Dave Ramsey
You
Work
Debt
" 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. "
Dave Ramsey
Teach
You
Policy
" You need some quick wins in order to stay pumped enough to get out of debt completely. "
Dave Ramsey
Stay
You
Quick
" You've got to tell your money what to do or it will leave. "
Dave Ramsey
Leave
Money
Tell
" 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
You
Look
Great
" 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. "
Dave Ramsey
Friend
Think
Smart
" Most of the things we buy are wants. And we call them needs, but they're wants. "
Dave Ramsey
Wants
Most
Needs
" You don't need credit. "
Dave Ramsey
Need
You
Credit
" The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge. "
Dave Ramsey
Knowledge
Good
Finance
" While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon. "
Dave Ramsey
Mortgage
Save
Home
" 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
Family
Trust
Money
" 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
You
Believe
Handle
" 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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Some People
Credit
Cards
" 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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Run
God
Losing
" 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. "
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Man
Know
Believe
" 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. "
Dave Ramsey
Be Happy
Happy
Hurt