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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. "
Dave Ramsey
Get
Books
Radio
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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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Money
Doing
Debt
" 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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Looking
Problems
Successful
" You've got to tell your money what to do or it will leave. "
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Leave
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Tell
" It takes some discipline and hard work, but relying on credit when things go wrong is a trap. "
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Credit
Work
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" 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
" 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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People
Long
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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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Never
Off
Pay
" Pay your utilities, gas and other basic needs before paying on your debts. "
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Pay
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Before
" When people get scared, they quit giving. "
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Get
Giving
People
" 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. "
Dave Ramsey
Gone
You
Yellow
" 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
" 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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Age
Work
Money
" 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
More
Access
" You have to teach children about money intentionally - create teachable moments. "
Dave Ramsey
Children
Create
Moments
" 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
Me
Hard
" 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
" 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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Business
View
People
" There's always something that needs attention when you own a property. "
Dave Ramsey
You
Own
Property
" 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
" 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
Feel
Why
Things
" 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
" 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
" I believe that through knowledge and discipline, financial peace is possible for all of us. "
Dave Ramsey
Finance
Discipline
Peace
" 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. "
Dave Ramsey
Some People
Credit
Cards
" Life will not make allowance for you, but it will pay you what you earn. "
Dave Ramsey
Life
Earn
Pay
" 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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You
Look
Great
" 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. "
Dave Ramsey
Run
God
Losing
" 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
Bad
You
" 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. "
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Family
Trust
Money
" Credit is an 'I love debt' score. "
Dave Ramsey
Score
Credit
Debt