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" I really am not a gold fan. "
Dave Ramsey
Fan
Really
Gold
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" 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. "
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Knowledge
Good
Finance
" I believe that through knowledge and discipline, financial peace is possible for all of us. "
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Finance
Discipline
Peace
" 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
Building
" There are no shortcuts when it comes to getting out of debt. "
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Getting
Shortcuts
Out
" 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
" Credit is an 'I love debt' score. "
Dave Ramsey
Score
Credit
Debt
" 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. "
Dave Ramsey
Care
Long
Money
" 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
" Most of the things we buy are wants. And we call them needs, but they're wants. "
Dave Ramsey
Wants
Most
Needs
" 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
" As much as I want to help people, I had to accept the fact long ago that being stupid with money isn't illegal. "
Dave Ramsey
People
Long
Help
" 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. "
Dave Ramsey
Money
Doing
Debt
" 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. "
Dave Ramsey
Good
Business
Children
" 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. "
Dave Ramsey
Age
Work
Money
" 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 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
" 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. "
Dave Ramsey
Your Dreams
Dreams
You
" 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
" 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. "
Dave Ramsey
Business
View
People
" 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. "
Dave Ramsey
Try
Bible
Brother
" 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
" 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
" When we talk about kids earning commission for chores, we always have at least one parent who argues that children should do chores because they are part of the family. I agree, but if you don't involve money in a few chores, you lose the teachable moments in the work, spend, save, and give principles. "
Dave Ramsey
Family
Work
Money
" I will never be unemployed. "
Dave Ramsey
Will
Never
Unemployed
" You need some quick wins in order to stay pumped enough to get out of debt completely. "
Dave Ramsey
Stay
You
Quick
" There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there. "
Dave Ramsey
Money
About
Generosity
" 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
" 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
" My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table. "
Dave Ramsey
Eating
Wife
Table