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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. "
Dave Ramsey
Eating
Wife
Table
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" 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
" 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. "
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Care
Long
Money
" Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. "
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Never
Loan
Yourself
" 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 got a young man who works for me who says you don't need to discover your dreams - you need to recover them. "
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Your Dreams
Dreams
You
" There's always something that needs attention when you own a property. "
Dave Ramsey
You
Own
Property
" 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. "
Dave Ramsey
Looking
Problems
Successful
" 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. "
Dave Ramsey
Parents
Children
Age
" 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
" 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
" 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
" You've got to tell your money what to do or it will leave. "
Dave Ramsey
Leave
Money
Tell
" There are no shortcuts when it comes to getting out of debt. "
Dave Ramsey
Getting
Shortcuts
Out
" Most of the things we buy are wants. And we call them needs, but they're wants. "
Dave Ramsey
Wants
Most
Needs
" 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
" I have to live my books before I write them. "
Dave Ramsey
Before
Write
Books
" I really am not a gold fan. "
Dave Ramsey
Fan
Really
Gold
" You have to teach children about money intentionally - create teachable moments. "
Dave Ramsey
Children
Create
Moments
" 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
" 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 don't need credit. "
Dave Ramsey
Need
You
Credit
" You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy. "
Dave Ramsey
Never
Off
Pay
" If you're able to pay your bills, you pay your bills. It's as simple as that. "
Dave Ramsey
Simple
Able
Pay
" When people get scared, they quit giving. "
Dave Ramsey
Get
Giving
People
" 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. "
Dave Ramsey
Man
Know
Believe
" 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
" 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
" Pay your utilities, gas and other basic needs before paying on your debts. "
Dave Ramsey
Pay
Your
Before
" 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
" 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