Top 200 Dave Ramsey Quotes (2023 Update)

1. “If you will live like no one else, later you can live like no one else.”

— Dave Ramsey

2. “We buy things we don’t need with money we don’t have to impress people we don’t like.”

— Dave Ramsey

3. “Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.”

— Dave Ramsey

Featured in: Focus Quotes

4. “A budget is telling your money where to go instead of wondering where it went.”

— Dave Ramsey

5. “Debt is dumb. Cash is king.”

— Dave Ramsey

6. “Debt is normal. Be weird.”

— Dave Ramsey

7. “Adults devise a plan and follow it, children do what feels good.”

— Dave Ramsey

8. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.”

— Dave Ramsey

9. “Pray like it all depends on God, but work like it all depends on you.”

— Dave Ramsey

10. “Bosses push, Leaders pull. Real leadership is servant leadership.”

— Dave Ramsey

Featured in: Leadership Quotes, Boss Quotes

11. “Being willing to delay pleasure for a greater result is a sign of maturity.”

— Dave Ramsey

12. “Those who don’t manage their money will always work for those who do.”

— Dave Ramsey

13. “It’s never too late to turn things around. You are the only obstacle.”

— Dave Ramsey

14. “Remember, there’s ultimately only one way to financial peace, and that’s to walk daily with the Prince of Peace, Christ Jesus.”

— Dave Ramsey

15. “You must gain control over your money or the lack of it will forever control you.”

— Dave Ramsey

16. “Act your wage.”

— Dave Ramsey

17. “Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.”

— Dave Ramsey

18. “There’s a great place to go when you’re broke – to work!”

— Dave Ramsey

19. “Success is a pile of failure that you are standing on.”

— Dave Ramsey

20. “True leadership is servanthood. Put the interests of others at the center of your decisions.”

— Dave Ramsey

21. “The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.”

— Dave Ramsey

22. “Every person falls down at some point. Successful people choose to get back up!”

— Dave Ramsey

23. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.”

— Dave Ramsey

Featured in: Perseverance Quotes

24. “Where you are today is the sum of every choice you’ve ever made. If you don’t like where you are, start making different choices!”

— Dave Ramsey

25. “Delegation requires the willingness to pay for short term failures in order to gain long term competency.”

— Dave Ramsey

26. “Investing is important, but get debt-free first. That’s what frees up your income so you can win.”

— Dave Ramsey

27. “Fear is the enemy of hope.”

— Dave Ramsey

28. “Broke is normal. Why be normal?”

— Dave Ramsey

29. “When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman.”

— Dave Ramsey

30. “Earning a lot of money is not the key to prosperity. How you handle it is.”

— Dave Ramsey

31. “Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.”

— Dave Ramsey

32. “Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.”

— Dave Ramsey

33. “You will only sacrifice when you passionately believe in the outcome.”

— Dave Ramsey

34. “If you will make the sacrifices now that most people aren’t willing to make, later on you will be able to live as those folks will never be able to live.”

— Dave Ramsey

35. “Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!”

— Dave Ramsey

36. “Doing a budget means learning an ancient and powerful word: NO.”

— Dave Ramsey

37. “Just keep taking the next step and keep having excellence in the ordinary.”

— Dave Ramsey

38. “Credit is an ‘I love debt’ score.”

— Dave Ramsey

39. “We live in a culture full of hares; but the tortoise always wins.”

— Dave Ramsey

40. “There are no shortcuts when it comes to getting out of debt.”

— Dave Ramsey

41. “As you will it, so shall it be.”

— Dave Ramsey

42. “The first step in taking control of your money is to stop borrowing money. Start using cash today.”

— Dave Ramsey

43. “You don’t build wealth with credit card rewards and airline miles. You can’t beat the credit card companies at their own game.”

— Dave Ramsey

44. “One definition of maturity is learning to delay pleasure.”

— Dave Ramsey

45. “Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.”

— Dave Ramsey

46. “You can’t be in debt and win. It doesn’t work.”

— Dave Ramsey

47. “At the end of the day we are not selling, we are serving.”

— Dave Ramsey

48. “You can get anywhere if you simply go one step at a time.”

— Dave Ramsey

49. “That stupid saying “What you don’t know can’t hurt you” is ridiculous. What you don’t know can kill you. If you don’t know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear – but that doesn’t mean you won’t get killed.”

— Dave Ramsey

50. “Broke people giving financial advice is like a shop teacher with missing fingers.”

— Dave Ramsey