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" 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. "

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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

" 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. "

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

" 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. "

" 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. "

" 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. "

" 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

Access

" 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. "

" 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. "

" 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. "

" 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. "

" 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. "

" I really am not a gold fan. "

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

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

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

" 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. "

" Pay your utilities, gas and other basic needs before paying on your debts. "

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

" 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. "

" 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. "

" 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

Hard

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

" When people get scared, they quit giving. "

" 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. "

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

" 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. "

" Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. "

" There's always something that needs attention when you own a property. "