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" You have to teach children about money intentionally - create teachable moments. "
Dave Ramsey
Children
Create
Moments
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" 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. "
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Some People
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" 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 believe that through knowledge and discipline, financial peace is possible for all of us. "
Dave Ramsey
Finance
Discipline
Peace
" 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. "
Dave Ramsey
College
Bad
You
" 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
" 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
" 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. "
Dave Ramsey
Lie
People
Business
" 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
" 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. "
Dave Ramsey
Thought
Change
Financial
" Life will not make allowance for you, but it will pay you what you earn. "
Dave Ramsey
Life
Earn
Pay
" 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
" I will never be unemployed. "
Dave Ramsey
Will
Never
Unemployed
" 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
" 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
" Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. "
Dave Ramsey
Never
Loan
Yourself
" You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities. "
Dave Ramsey
Life
Enjoy Life
Money
" Pay your utilities, gas and other basic needs before paying on your debts. "
Dave Ramsey
Pay
Your
Before
" 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
" 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
" 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
" A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy. "
Dave Ramsey
Vacation
Start
Building
" 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
" 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
" I think that anyone who wants to start their own business can, but not any type of business. "
Dave Ramsey
Business
Start
Wants
" You need some quick wins in order to stay pumped enough to get out of debt completely. "
Dave Ramsey
Stay
You
Quick
" 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
" When people get scared, they quit giving. "
Dave Ramsey
Get
Giving
People
" There are no shortcuts when it comes to getting out of debt. "
Dave Ramsey
Getting
Shortcuts
Out
" 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