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" You need some quick wins in order to stay pumped enough to get out of debt completely. "
Dave Ramsey
Stay
You
Quick
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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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View
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" There are no shortcuts when it comes to getting out of debt. "
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Getting
Shortcuts
Out
" 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. "
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Man
Know
Believe
" Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise. "
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Face
You
Work
" My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table. "
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Eating
Wife
Table
" 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
" I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access. "
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Seen
More
Access
" Most of the things we buy are wants. And we call them needs, but they're wants. "
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Wants
Most
Needs
" 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
Change
Financial
" When people get scared, they quit giving. "
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Get
Giving
People
" I have to live my books before I write them. "
Dave Ramsey
Before
Write
Books
" 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
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. "
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Knowledge
Good
Finance
" I really am not a gold fan. "
Dave Ramsey
Fan
Really
Gold
" 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
You
Yellow
" You can't be in debt and win. It doesn't work. "
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You
Work
Debt
" 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
" You don't need credit. "
Dave Ramsey
Need
You
Credit
" I will never be unemployed. "
Dave Ramsey
Will
Never
Unemployed
" 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 have done stupid with a lot of zeros on the end of it. I know what it looks like. "
Dave Ramsey
Looks
Stupid
Done
" 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
" 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
" 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
" Life will not make allowance for you, but it will pay you what you earn. "
Dave Ramsey
Life
Earn
Pay
" Pay your utilities, gas and other basic needs before paying on your debts. "
Dave Ramsey
Pay
Your
Before
" Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. "
Dave Ramsey
Never
Loan
Yourself
" If you're able to pay your bills, you pay your bills. It's as simple as that. "
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Simple
Able
Pay
" You have to teach children about money intentionally - create teachable moments. "
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Children
Create
Moments
" 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