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" There are no shortcuts when it comes to getting out of debt. "
Dave Ramsey
Getting
Shortcuts
Out
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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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" Life will not make allowance for you, but it will pay you what you earn. "
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Life
Earn
Pay
" 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. "
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Happy
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" You have to teach children about money intentionally - create teachable moments. "
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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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" 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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" 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
" 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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Gone
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Yellow
" 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
" It takes some discipline and hard work, but relying on credit when things go wrong is a trap. "
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Credit
Work
Hard Work
" Pay your utilities, gas and other basic needs before paying on your debts. "
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Pay
Your
Before
" 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
" 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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Thought
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" 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. "
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Family
Work
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" 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
" 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
" There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there. "
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Money
About
Generosity
" 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
" You've got to tell your money what to do or it will leave. "
Dave Ramsey
Leave
Money
Tell
" 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. "
Dave Ramsey
Lie
Yourself
Think
" If you're able to pay your bills, you pay your bills. It's as simple as that. "
Dave Ramsey
Simple
Able
Pay
" 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
" You don't need credit. "
Dave Ramsey
Need
You
Credit
" 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
" 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
" I will never be unemployed. "
Dave Ramsey
Will
Never
Unemployed
" There's always something that needs attention when you own a property. "
Dave Ramsey
You
Own
Property
" I really am not a gold fan. "
Dave Ramsey
Fan
Really
Gold
" 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
" 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