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" 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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" 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

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" You don't need credit. "

" 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. "

" 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. "

" 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. "

" It takes some discipline and hard work, but relying on credit when things go wrong is a trap. "

" You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy. "

" I have to live my books before I write them. "

" As much as I want to help people, I had to accept the fact long ago that being stupid with money isn't illegal. "

" I like to write books where I get a question on the radio, and I don't have an answer for it. "

" You can't be in debt and win. It doesn't work. "

" If you're able to pay your bills, you pay your bills. It's as simple as that. "

" There are no shortcuts when it comes to getting out of debt. "

" A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy. "

" While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon. "

" You need some quick wins in order to stay pumped enough to get out of debt completely. "

" 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. "

" Credit is an 'I love debt' score. "

" I have done stupid with a lot of zeros on the end of it. I know what it looks like. "

" You've got to tell your money what to do or it will leave. "

" 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. "

" I believe that through knowledge and discipline, financial peace is possible for all of us. "

" 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. "

" Most of the things we buy are wants. And we call them needs, but they're wants. "

" 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. "

" My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table. "

" You have to teach children about money intentionally - create teachable moments. "

" 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. "

" I really am not a gold fan. "

" I will never be unemployed. "