Top 200 Dave Ramsey Quotes (2025 Update)
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51. “Money is 80% behavior, 20% head knowledge. It’s what you do, not what you know.”

— Dave Ramsey

52. “Goals convert vision into ENERGY.”

— Dave Ramsey

53. “Your greatest asset is your paycheck. Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It’s just as important as life insurance.”

— Dave Ramsey

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

— Dave Ramsey

55. “You have the clean canvas of a whole week before you. Paint well.”

— Dave Ramsey

56. “Outrageous generosity is a character quality of people who win with money.”

— Dave Ramsey

57. “Thinking about starting a small business? Assume everything will cost twice as much and take twice as long as you think it will.”

— Dave Ramsey

58. “You can’t work three hours a week and make $100,000. Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality!”

— Dave Ramsey

59. “You can control the controllables.”

— Dave Ramsey

60. “Knock out a small debt first so you get a quick win. Momentum is key.”

— Dave Ramsey

61. “Gratitude is really, really attractive. A child who is genuinely grateful makes you want to do anything for her, and that is true of adults as well.”

— Dave Ramsey

62. “Poor is a state of mind. Broke is, ‘I’m just passing through.’”

— Dave Ramsey

63. “Stupid is not illegal.”

— Dave Ramsey

64. “Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.”

— Dave Ramsey

65. “You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.”

— Dave Ramsey

66. “Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.”

— Dave Ramsey

67. “Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt.”

— Dave Ramsey

68. “We learned early on that if we help enough people, the money will come.”

— Dave Ramsey

69. “Teaching kids about money is never just about money.”

— Dave Ramsey

70. “Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.”

— Dave Ramsey

71. “If your life is bad because of an elected official, then you don’t have a life.”

— Dave Ramsey

72. “You wanna blow money? Put it in a ‘blow’ category in your budget. But at least admit it on paper!”

— Dave Ramsey

73. “I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would win with money.”

— Dave Ramsey

74. “Proverbs 22:7: “The rich rule over the poor, and the borrower is slave to the lender.”

— Dave Ramsey

75. “Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That’s a good way to end up broke. We’ve got to resist the temptation to catch up with our parents in 18 months. Slow down. You have the rest of your life to play catch up. After all, it’s just stuff.”

— Dave Ramsey

76. “You cannot lead without passion. Passion causes things to move, and passion creates a force multiplier. Passion actually covers a multitude of sins. Real EntreLeaders care deeply, and that is basically what passion is. Passion is not yelling or being wild; it is simply caring deeply.”

— Dave Ramsey

77. “I would not pre-pay. I would invest instead and let the investments cover it.”

— Dave Ramsey

78. “Be an evangelist with your excellence.”

— Dave Ramsey

79. “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

80. “Work-get paid; don’t work-don’t get paid. Everybody is on commission.”

— Dave Ramsey

81. “Goals are visions and dreams with work clothes on.”

— Dave Ramsey

82. “Higher calling matters. When you care so deeply about the why-why you’re doing what you’re doing-then and only then are you operating in a way that allows you to overcome the obstacles.”

— Dave Ramsey

83. “Financial Security is not enough money to buy toys. That is to learn to live with less money than you earn. So, you can help other individuals or investors. You are not a winner until done it.”

— Dave Ramsey

84. “You’re not exempt from math if you’re a Republican, and you’re not exempt from math if you’re a Democrat. You’re not exempt from math if you’re a liberal, and you’re not exempt from math if you’re a conservative. You still have to do math.”

— Dave Ramsey

85. “I’m a Christian. Years ago, I went broke, so I decided to run every part of my life according to the Bible. It sounds hokey, but it works. You run your marriage that way, and it works. It will work with business, too, and finances. Treat people like you want to be treated.”

— Dave Ramsey

86. “No one got rich on a government program. Do not choose to be a common man. You can be uncommon.”

— Dave Ramsey

87. “Leading a family is the hardest job a man can ever have.”

— Dave Ramsey

88. “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.”

— Dave Ramsey

89. “If people in America would get their finances together and start taking care of each other, we could put the government out of business.”

— Dave Ramsey

90. “There’s not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.”

— Dave Ramsey

91. “When leadership set the goals by themselves, they are not goals, they are quotas.”

— Dave Ramsey

92. “Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.”

— Dave Ramsey

93. “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

94. “A good financial planner is going to do more than pick your funds.”

— Dave Ramsey

95. “Opening your hands will set you free...”

— Dave Ramsey

96. “Term Life Insurance is the only insurance I recommend. It’s the least expensive way to get the coverage your family needs and allows you to lock in rates for 15, 20 or 30 years. Zander’s online quoting system will help you find the most competitive options. It’s more affordable than you think!”

— Dave Ramsey

97. “You’ve got to tell your money what to do or it will leave.”

— Dave Ramsey

98. “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

99. “Children are sponges – they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.”

— Dave Ramsey

100. “Surround yourself with people who add the fuel of advice and encouragement to your fire.”

— Dave Ramsey