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Dave Ramsey Quotes
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Dave Ramsey Quote: “I have to live my books before I write them.”

I have to live my books before I write them.

— Dave Ramsey



Dave Ramsey Quote: “Surround yourself with people who add the fuel of advice and encouragement to your fire.”

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

— Dave Ramsey


Dave Ramsey Quote: “Goals are visions and dreams with work clothes on.”

Goals are visions and dreams with work clothes on.

— Dave Ramsey


Dave Ramsey Quote: “Ideas are a dime a dozen. People who execute them are not.”

Ideas are a dime a dozen. People who execute them are not.

— Dave Ramsey


Dave Ramsey Quote: “Work is a surefire money-making scheme.”

Work is a surefire money-making scheme.

— Dave Ramsey


Dave Ramsey Quote: “Rich isn’t an amount of money, it’s a mindset about how you live. If you believe you can win, you can.”

Rich isn’t an amount of money, it’s a mindset about how you live. If you believe you can win, you can.

— Dave Ramsey


Dave Ramsey Quote: “Be very proud of what you do, and if you aren’t then change it.”

Be very proud of what you do, and if you aren’t then change it.

— Dave Ramsey


Dave Ramsey Quote: “A lower interest rate doesn’t make a debt go away.”

A lower interest rate doesn’t make a debt go away.

— Dave Ramsey


Dave Ramsey Quote: “You’ve got to tell your money what to do or it will leave.”

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

— Dave Ramsey


Dave Ramsey Quote: “The world will try to tell you that you need stuff to be somebody. Don’t listen.”

The world will try to tell you that you need stuff to be somebody. Don’t listen.

— Dave Ramsey



Dave Ramsey Quote: “Debt gives you the ability to look like you’re winning when you’re not.”

Debt gives you the ability to look like you’re winning when you’re not.

— Dave Ramsey


Dave Ramsey Quote: “More wealth doesn’t fix your life. More wealth makes you more of what you already are.”

More wealth doesn’t fix your life. More wealth makes you more of what you already are.

— Dave Ramsey


Dave Ramsey Quote: “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.”

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.

— Dave Ramsey


Dave Ramsey Quote: “Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy.”

Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy.

— Dave Ramsey


Dave Ramsey Quote: “Financial winners don’t run sprints, they run marathons. They don’t rush. They do it step by step over time.”

Financial winners don’t run sprints, they run marathons. They don’t rush. They do it step by step over time.

— Dave Ramsey


Dave Ramsey Quote: “Your priorities, passions, goals, and fears are shown clearly in the flow of your money.”

Your priorities, passions, goals, and fears are shown clearly in the flow of your money.

— Dave Ramsey


Dave Ramsey Quote: “Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren’t the exception.”

Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren’t the exception.

— Dave Ramsey


Dave Ramsey Quote: “I’m not against people having new cars. I’m against them having you. We spend a tremendous amount impressing somebody at the stoplight who we’ll never meet. It makes you broke and keeps you broke.”

I’m not against people having new cars. I’m against them having you. We spend a tremendous amount impressing somebody at the stoplight who we’ll never meet. It makes you broke and keeps you broke.

— Dave Ramsey


Dave Ramsey Quote: “A big part of being strong financially is that you know where you are weak and take action to make sure you don’t fall prey to the weakness. And we ALL are weak.”

A big part of being strong financially is that you know where you are weak and take action to make sure you don’t fall prey to the weakness. And we ALL are weak.

— Dave Ramsey


Dave Ramsey Quote: “When you create a basic budget and stick to it, it will suddenly seem like you have more money.”

When you create a basic budget and stick to it, it will suddenly seem like you have more money.

— Dave Ramsey



Dave Ramsey Quote: “When we’re dealing with money in relationships, when we’re dealing with money in our personal lives, when we’re dealing with money in our families, the flow of money in a family represents the value system under which that family operates.”

When we’re dealing with money in relationships, when we’re dealing with money in our personal lives, when we’re dealing with money in our families, the flow of money in a family represents the value system under which that family operates.

— Dave Ramsey


Dave Ramsey Quote: “You have to teach children about money intentionally – create teachable moments.”

You have to teach children about money intentionally – create teachable moments.

— Dave Ramsey


Dave Ramsey Quote: “The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.”

The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.

— Dave Ramsey


Dave Ramsey Quote: “If you buy a $28,000 car, in four years it will be worth about 11,000 bucks.”

If you buy a $28,000 car, in four years it will be worth about 11,000 bucks.

— Dave Ramsey


Dave Ramsey Quote: “Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.”

Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.

— Dave Ramsey


Dave Ramsey Quote: “After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it.”

After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it.

— Dave Ramsey


Dave Ramsey Quote: “When you’re trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive.”

When you’re trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive.

— Dave Ramsey


Dave Ramsey Quote: “Great talent stands in line to join your team because the culture becomes the stuff of legend.”

Great talent stands in line to join your team because the culture becomes the stuff of legend.

— Dave Ramsey


Dave Ramsey Quote: “The only reason to go into business is to make money. You have to work hard at it. If you’re not passionate about it, you’ll burn out so fast that it is incredible.”

The only reason to go into business is to make money. You have to work hard at it. If you’re not passionate about it, you’ll burn out so fast that it is incredible.

— Dave Ramsey


Dave Ramsey Quote: “When people get scared, they quit giving.”

When people get scared, they quit giving.

— Dave Ramsey


Dave Ramsey Quote: “Contentment is both the fruit and the tree.”

Contentment is both the fruit and the tree.

— Dave Ramsey


Dave Ramsey Quote: “Making mistakes and learning from them is crucial to winning.”

Making mistakes and learning from them is crucial to winning.

— Dave Ramsey


Dave Ramsey Quote: “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.”

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


Dave Ramsey Quote: “Anytime you open a business, you have to be effective in promoting whether it’s a franchise or not. You’ll need to learn to be a Web marketer extraordinaire. There’s plenty of material out there.”

Anytime you open a business, you have to be effective in promoting whether it’s a franchise or not. You’ll need to learn to be a Web marketer extraordinaire. There’s plenty of material out there.

— Dave Ramsey


Dave Ramsey Quote: “Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals.”

Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals.

— Dave Ramsey


Dave Ramsey Quote: “If you come with mercy but not justice; that’s called enabling.”

If you come with mercy but not justice; that’s called enabling.

— Dave Ramsey


Dave Ramsey Quote: “The average millionaire can’t tell you who got thrown off the island last night.”

The average millionaire can’t tell you who got thrown off the island last night.

— Dave Ramsey


Dave Ramsey Quote: “If you help enough people, you don’t have to worry about money.”

If you help enough people, you don’t have to worry about money.

— Dave Ramsey


Dave Ramsey Quote: “Do not let your life, ministry or organization go faster than your resources.”

Do not let your life, ministry or organization go faster than your resources.

— Dave Ramsey


Dave Ramsey Quote: “Leadership responsibility: If you own a biz, you’re the head of the org. Good or bad, your company will LOOK and ACT like you do.”

Leadership responsibility: If you own a biz, you’re the head of the org. Good or bad, your company will LOOK and ACT like you do.

— Dave Ramsey


Dave Ramsey Quote: “What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it.”

What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it.

— Dave Ramsey

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