Top 200 Dave Ramsey Quotes (2025 Update)
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201. “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

202. “We are being taught by everything around us to have dessert before dinner.” Now we are paying for our lack of knowledge and discipline.”

— Dave Ramsey

203. “Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.”

— Dave Ramsey

204. “There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.”

— Dave Ramsey

205. “As long as the sun was shining, life was a party, and the pig with brick seemed kind of nerdy, or overly conservative, or even fanatical. But when their stupid theories were stress tested, their houses fell.”

— Dave Ramsey

206. “If you want to be skinny, study skinny people, and if you want to be rich, do what lots of rich people do, not what some mythsayer says to do.”

— Dave Ramsey

207. “We want it all, and we can borrow to get it all, before we can afford it all.”

— Dave Ramsey

208. “The fact is, most people in our nation today believe that debt is NORMAL, and in most cases, NECESSARY. They can’t imagine living a cash-and-carry life or a life in which all things they own are purchased outright with cash at the time of purchase – in other words, with no payment plan or use of credit cards.”

— Dave Ramsey

209. “We are scaling down” is a painful statement to make to friends or family.”

— Dave Ramsey

210. “Being the highly trained investment mogul that I am, I could certainly find places to put that money where it would earn more. Or would it? Remember, personal finance is personal. I have come to realize that Sharon’s peace of mind bought with the oversized emergency fund is a great return on investment. Guys, this can be a wonderful gift to your wife. An Emergency Fund Can.”

— Dave Ramsey

211. “Nothing was left to chance; every smell, every piece of furniture, and certainly the design of the floor plans made these model homes world-class.”

— Dave Ramsey

212. “Over the long term you get what you deserve, and none of us like it when what we deserve is pain.”

— Dave Ramsey

213. “Businesses and entrepreneurs have become experts at microwaving rather than Crock-Potting their business plan. They are so worried about the moment, Q1 or Q2, that they lose their vision and their soul. They trade real, rich, abiding, deep success for the momentary win and then are constantly having to start over. Have a long-term vision and execute it. As the billionaire advised me, slow and steady wins the race.”

— Dave Ramsey

214. “The accountability of a group environment causes people to change their behaviors.”

— Dave Ramsey

215. “Traction equals satisfaction.”

— Dave Ramsey

216. “La Rochefoucauld once said, “The most untutored person with passion is more persuasive than the most eloquent without.”

— Dave Ramsey

217. “I like the way I’ve built wealth better than the way you haven’t.”

— Dave Ramsey

218. “Financial Peace Jr.”

— Dave Ramsey

219. “No matter how blessed or distressed you are financially, your first priority every month is to cover what I call the Four Walls. Think of it as the four walls that hold your house together. They are food, shelter, clothing, and transportation. If you have food in your belly, a roof over your head, clothes on your back, and a way to get to work tomorrow, you’ll live to fight another day.”

— Dave Ramsey

220. “Goals Must Have a Time Limit Goals without a time limit are unable to be broken down into micro goals to measure your progress, to observe your traction. You might say, “I want to write a book.” Great, when? In twenty years? In twenty months? If you don’t put a deadline on the goal it will never happen and you will get to eat the bitter fruit of regret.”

— Dave Ramsey

221. “Debt has been sold to us so aggressively, so loudly, and so often that to imagine living without debt requires myth-busting.”

— Dave Ramsey

222. “The other huge qualifier is that I used the principles I teach to personally build wealth. My wife and I have truly lived this book. The things we teach are not theory – they work!”

— Dave Ramsey

223. “If I loan money to a friend or relative, the relationship will be strained or destroyed. The only relationship that would be enhanced is the kind resulting from one party being the master and the other party a servant.”

— Dave Ramsey

224. “To avoid criticism say nothing, do nothing, and be nothing.” I can’t help millions of people change their lives by saying nothing, doing nothing, and being nothing.”

— Dave Ramsey

225. “Only if you mix knowledge with attitude, character, perseverance, vision, diligence, and extreme levels of work will your college degree produce for you.”

— Dave Ramsey

226. “If we aren’t profitable by December 20, I will close the business.” That would leave him about $800,000, plus his retirement money and home, and he would do something else to earn a living.”

— Dave Ramsey

227. “We enjoy earning interest now, rather than paying it.”

— Dave Ramsey

228. “Zig Ziglar says, “If you aim at nothing, you’ll hit it every time.” I love how Zig cuts right to the heart of the matter. If you don’t have a target, if you don’t have a goal in mind, then you’ll never get where you want to go. Most people take a “Ready-Fire-Aim” approach to budgeting. They get the money, spend the money, and then wonder why they don’t have any money. It’s crazy!”

— Dave Ramsey

229. “Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.”

— Dave Ramsey