Top 200 Dave Ramsey Quotes (2025 Update)
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101. “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.”

— Dave Ramsey

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

— Dave Ramsey

103. “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

104. “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

105. “The creature comforts we tend to rationalize as “business expenses I can write off.””

— Dave Ramsey

106. “Instead of just purchasing an ad campaign, target test and measure. Give an ad a small try. If the response is enough to pay for the ad, make it larger. With a franchise, ask the most successful franchisees what they did. Ask the bottom five guys what they did and avoid it.”

— Dave Ramsey

107. “Debt has become a part of who we are.”

— Dave Ramsey

108. “If you keep doing the same things, you will keep getting the same results. You are where you are now financially as a sum total of the decisions you’ve made to this point.”

— Dave Ramsey

109. “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

110. “Ideas are a dime a dozen. People who execute them are not.”

— Dave Ramsey

111. “I can’t tell you how many home businesses are almost in bankruptcy court over a Yellow Pages ad only to find out that the Yellow Pages ad isn’t where their market will look for them, and it cost more than they thought.”

— Dave Ramsey

112. “I have to live my books before I write them.”

— Dave Ramsey

113. “If you as a leader allow people to halfway do their jobs and don’t demand excellence as a prerequisite to keeping their job, you will create a culture of mediocrity.”

— Dave Ramsey

114. “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.”

— Dave Ramsey

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

— Dave Ramsey

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

— Dave Ramsey

117. “A man with an experience is not at the mercy of a man with an opinion.”

— Dave Ramsey

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

— Dave Ramsey

119. “Work is a surefire money-making scheme.”

— Dave Ramsey

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

— Dave Ramsey

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

— Dave Ramsey

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

— Dave Ramsey

123. “A good plan, violently executed now, is better than a perfect plan next week. – George S. Patton.”

— Dave Ramsey

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

— Dave Ramsey

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

— Dave Ramsey

126. “15 percent of success could be attributed to training and education, while 85 percent was attributed to attitude, perseverance, diligence, and vision.”

— Dave Ramsey

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

— Dave Ramsey

128. “No one wins the Super Bowl accidentally. Be intentional, Be Passionate, Don’t mail it in! You got this!”

— Dave Ramsey

129. “Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.”

— Dave Ramsey

130. “Most people won’t change until the pain of where they are exceeds the pain of change.”

— Dave Ramsey

131. “Making mistakes and learning from them is crucial to winning.”

— Dave Ramsey

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

— Dave Ramsey

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

— Dave Ramsey

134. “Winning at money is 80 percent behavior and 20 percent head knowledge.”

— Dave Ramsey

135. “1. Career 2. Financial 3. Spiritual 4. Physical 5. Intellectual 6. Family 7. Social.”

— Dave Ramsey

136. “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

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

— Dave Ramsey

138. “Dorothy Bernard says that courage is just fear that has said its prayers.”

— Dave Ramsey

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

— Dave Ramsey

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

— Dave Ramsey

141. “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

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

— Dave Ramsey

143. “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

144. “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

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

— Dave Ramsey

146. “The bridge between failure and success is hope. THOMAS JEFFERSON.”

— Dave Ramsey

147. “Life is not a snapshot, it’s a filmstrip.”

— Dave Ramsey

148. “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

149. “Contentment is both the fruit and the tree.”

— Dave Ramsey

150. “You must sell benefits, not products.”

— Dave Ramsey