Top 200 Dave Ramsey Quotes (2024 Update)
Page 4 of 5

151. “There is no such thing as good debt. The credit card is the cigarette of the financial world. The borrower is always a slave to the lender.”

— Dave Ramsey

152. “Passion is so key in leading and creating excellence that I will hire passion over education and talent every time.”

— Dave Ramsey

153. “The haves and have-nots can often be traced back to the dids and did-nots. D. O. FLYNN.”

— Dave Ramsey

154. “My grandmother used to say, “Those convinced against their will are of the same opinion still.”

— Dave Ramsey

155. “It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.”

— Dave Ramsey

156. “Passion is so key in leading and creating excellence that I will hire passion over education or talent every time. I prefer to have both, but given a choice I will take passion. La Rochefoucauld once said, “The most untutored person with passion is more persuasive than the most eloquent without.”

— Dave Ramsey

157. “Albert Einstein said, “Great spirits have often encountered violent opposition from weak minds.”

— Dave Ramsey

158. “Hope is steel covered in velvet. It can seem soft and cuddly, but hope is at the core of what makes people become what God designed them to be. Hope and its sister, faith, always create action.”

— Dave Ramsey

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

— Dave Ramsey

160. “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

161. “So content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.”

— Dave Ramsey

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

— Dave Ramsey

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

— Dave Ramsey

164. “Savings without a mission is garbage. Your money needs to work for you, not lie around you.”

— Dave Ramsey

165. “For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.”

— Dave Ramsey

166. “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

167. “When people get scared, they quit giving.”

— Dave Ramsey

168. “Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card. We.”

— Dave Ramsey

169. “If she were to invest $3,500 in a mutual fund averaging 12 percent, upon an average death age of seventy-eight, Sara’s mutual fund would be worth $368,500!”

— Dave Ramsey

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

— Dave Ramsey

171. “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

172. “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

173. “I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.”

— Dave Ramsey

174. “Humpty Dumpty is hard to put back together, and so is trust.”

— Dave Ramsey

175. “I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.”

— Dave Ramsey

176. “You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.”

— Dave Ramsey

177. “If you invest $464 in a good mutual fund every month from age thirty to age seventy, you’ll end up with more than $5 million.”

— Dave Ramsey

178. “Henry Ford, who definitely had more than enough, said, “Failure is the opportunity to begin again more intelligently.”

— Dave Ramsey

179. “President John F. Kennedy said, “There are costs and risks to a program of action, but they are far less than the long-range risks and costs of comfortable inaction.”

— Dave Ramsey

180. “God gives every bird its food, but He does not throw it into the nest. J. G. HOLLAND.”

— Dave Ramsey

181. “Your largest wealth-building asset is your income. When you tie up your income, you lose. When you invest your income, you become wealthy and can do anything you want.”

— Dave Ramsey

182. “70% of Americans live paycheck to paycheck. Seven out of ten people you walk past going down the sidewalk are broke. You can model your life after them, and you will be one of them. Or you can mode your life after the weird people. Because wealth is unusual. It’s not normal. So you have to engage in unusual behaviors and habits to create unusual results.”

— Dave Ramsey

183. “Money is finite. There is not an infinite supply. That’s something a lot of people have trouble remembering these days. In a time when crazy mortgages, car loans, student loans, and credit cards make you believe anyone can purchase anything at any time with no consequences, it’s easy to forget that money has limits.”

— Dave Ramsey

184. “The reality is that Murphy doesn’t visit as much, but when he does, we hardly notice his presence. When Sharon and I were broke, our heating-and-air system quit, and the repair cost $580. It was a huge, hairy deal. Recently I had a new $570 water heater installed because the old one started leaking, and I hardly noticed. I wonder if the stress relief that your Total Money Makeover provides will allow you to live longer?”

— Dave Ramsey

185. “Aristotle once said, “To avoid criticism say nothing, do nothing, and be nothing.”

— Dave Ramsey

186. “Measure your wealth not by the things you have, but by the things for which you would not take money.”

— Dave Ramsey

187. “Again, college is important – very important – but it is not the answer to all your kids’ problems. I will be so bold as to say college isn’t even a need; it is a want. It isn’t a necessity; it is a luxury. This luxury is one of the first on my list, but not before retirement, not before an emergency fund, and certainly not as a reason to go into debt.”

— Dave Ramsey

188. “It is hard to work your day job and spend a ton of hours on your business, but it is harder to make a mistake and lose your home in foreclosure because you jumped before the boat was close enough to the dock.”

— Dave Ramsey

189. “We have a retirement crisis in America today nor from a lack of money, but from a lack of vision.”

— Dave Ramsey

190. “If you are going to open a retail store you would want to consider Christmas. Most retailers make the majority of their entire year’s income between.”

— Dave Ramsey

191. “A year of intense exercise and watching what you eat will likely change the trajectory of your life physically. You will melt away fat, tone up muscle, feel better, and change your habits, likely for life. But only ten days of that exercise program won’t move the needle on the scale. To create big-time success you have to stay focused and stay intense over an extended period of time.”

— Dave Ramsey

192. “Retirement in America has come to mean “save enough money so I can quit the job I hate.”

— Dave Ramsey

193. “If you wouldn’t want your mother to buy the item or the service then don’t sell it.”

— Dave Ramsey

194. “Parents who let teens run around with unearned adult freedoms are naive and stupid.”

— Dave Ramsey

195. “A natural saver is great until he never spends and is tight-fisted with giving. A natural spender is great until she finds herself deeply in debt and unable to give. A natural giver is great until there are no savings when a problem arises and there is no personal enjoyment of money.”

— Dave Ramsey

196. “Henry Ford said, “Those who never make mistakes work for those of us who do.”

— Dave Ramsey

197. “People will not buy from you if they don’t trust you, your product, and your company.”

— Dave Ramsey

198. “Requiring nothing of a child gives them no opportunity for failure or success.”

— Dave Ramsey

199. “Goals convert vision into energy. When you lay out exactly what you want to do in detail, you immediately start feeling the room move and the earth shake. You are pulled into your new life like some scene from a movie. Goals help make great men. J. C. Penney once said, “Give me a stock clerk with a goal, and I will give you a man who will make history. Give me a man without a goal and I will give you a stock clerk.”

— Dave Ramsey

200. “Good to Great by my friend Jim Collins.”

— Dave Ramsey