96 Dave Ramsey Quotes That Will Make You Rethink Money

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Our Dave Ramsey Quotes Collection is sure to make you view money differently.

It was our search for knowledge on how to build a budget and pay off our debt that allowed us to find Dave Ramsey.  It was through his words, his inspirational sayings, that we found the needed courage to pay our debt off fast.

We bring this collection of quotes about budgeting, need, want, family, and wealth building to help you through the moments of doubt.  The moments when you question your “why” and need some encouragement.

Like all of our quote collections, we have put together some great opportunities for you to share your favorite quote on Pinterest, Facebook, Twitter, Instagram, or whatever communication platform you prefer!

Who is Dave Ramsey?

Dave Ramsey is an individual who took the hardest financial time in his life and decided to take make changes that would prevent him from ever landing in that situation again.  The situation is bankruptcy.

It was his bankruptcy that spurred his business of helping others manage their money.

In the book The Total Money Makeover, Dave Ramsey tells his story of mismanaging his finances and the changes he had to make in order to make sure he never found himself in that same situation again.

It was these lessons learned, that he decided to teach others through his own experiences.  So with a matter of fact, common sense approach, Dave took to the airwaves in the 90s and started teaching listeners how to avoid the mistakes he made with money while providing hope to those that found themselves in financial situations that appeared to be hopeless.

With his no-nonsense approach, Dave has coached countless individuals to get their finances in order.  It is his message promoting countless opportunities for change that inspires so many to get their finances in order and change their legacy.

For more great quotes, check out Dave’s five New York Times best-selling books at your local library: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, and Smart Money Smart Kids.  (Check out Amazon’s current prices if a library is not in your area!)

Dave Ramsey Quotes That Will Inspire You To Manage Your Money

Dave Ramsey Quote: Don’t buy things you

Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like. Dave Ramsey

Dave Ramsey Quote: If the Red-Faced Kid

If the Red-Faced Kid (“I want it, and I want it now!”) rules your life, you will stay broke. Dave Ramsey

Dave Ramsey Quote: Those who don’t mana

Those who don’t manage their money will always work for those who do. Dave Ramsey

Dave Ramsey Quote: If you help enough p

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

Dave Ramsey Quote: If hard work, integr

If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning. Dave Ramsey

Dave Ramsey Quote: After losing everyth

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: What to do isn’t the

What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich. Dave Ramsey

Dave Ramsey Quote: Winning at money is

Winning at money is 80 percent behavior and 20 percent head knowledge. Most of us know what to do, but we just don’t do it. Dave Ramsey

Dave Ramsey Quote: As parents, we teach

As parents, we teach our kids about things we feel competent in. That’s why so many parents don’t teach their kids about money. Dave Ramsey

Dave Ramsey Quote: If normal is good th

If normal is good then that’s ok, let’s be normal. But normal is not good. Normal in America today is 70% of Americans are living paycheck to paycheck according to the Wallstreet journal. Normal in America today is bankruptcy is increased almost every single year. Normal in America today is people work their whole lives and retire and say “I sure hope the government, which is well known for it’s ability to handle money, will take care of me.” Normal in America today is the number 1 cause for divorce in North America is money fights and money problems…. Normal in America today is a car with a payment and no idea that “I’m ever gonna live without a car payment”… Normal in America today is broke, and it sucks! Looking good and no freaking money! Big hat, no cattle! That’s normal. So don’t talk to me about normal. Normal sucks! Dave Ramsey




Dave Ramsey Quotes – Live Like No One Else

Dave Ramsey Quote: The number one probl

The number one problem that causes student loan debt? Parents that suck. Dave Ramsey

Dave Ramsey Quote: There is nothing wro

There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt. It’s not going to work. Dave Ramsey

Dave Ramsey Quote: Get on a budget. We

Get on a budget. We recommend a zero based budget. Spend your whole paycheck on paper before the month begins. Give every dollar a name. Every dollar has a predestination. Dave Ramsey

Dave Ramsey Quote: Money is not evil… M

Money is not evil… Money makes you more of what you are now. If you’re a greedy jerk without money, you’ll be a greedy jerk with money too. But if you enjoy giving to others even when you didn’t really have much to give, just think what you’ll be able to do when you’re rich! Dave Ramsey

Dave Ramsey Quote: Get in Total Attack

Get in Total Attack Mode. All you have to do is execute, execute, execute now. If your friends that are broke aren’t making fun of you, then you are not on track. If your family says, “Look, they’ve joined a cult!” then you are right on track. Dave Ramsey

Dave Ramsey Quote: That stupid saying “

That stupid saying “What you don’t know can’t hurt you” is ridiculous. What you don’t know can kill you. If you don’t know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear, but that doesn’t mean you won’t get killed.  Dave Ramsey

Dave Ramsey Quote: Measure your wealth

Measure your wealth not by the things you have, but by the things for which you would not take money. Dave Ramsey

Dave Ramsey Quote: You’ve got to tell y

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

Dave Ramsey Quote: Your budget must bal

Your budget must balance! You are not Congress! Dave Ramsey

Dave Ramsey Quote: Being able to delay

Being able to delay pleasure for a greater result is a sign of maturity. Dave Ramsey




Quotes by Dave Ramsey

Dave Ramsey Quote: Hitting bottom and h

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

Dave Ramsey Quote: Your income is your

Your income is your responsibility. If you get to retirement with a mountain of debt and nothing to live on, it’s no one else’s fault. Dave Ramsey

Dave Ramsey Quote: Study the habits of

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

Dave Ramsey Quote: Pray like it all dep

Pray like it all depends on God, but work like it all depends on you. Dave Ramsey

Dave Ramsey Quote: Wealth comes from ha

Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His. Dave Ramsey

Dave Ramsey Quote: You can’t work three

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

Dave Ramsey Quote: You must gain contro

You must gain control over your money or the lack of it will forever control you. Dave Ramsey

Dave Ramsey Quote: The thing I have dis

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: Look past the glitz

Look past the glitz and glamour and really see every product for what it is and what its benefits are for you and your family. Dave Ramsey

Dave Ramsey Quote: It takes some discip

It takes some discipline and hard work, but relying on credit when things go wrong is a trap. Dave Ramsey



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Dave Ramsey Quotes About Debt

Dave Ramsey Quote: If broke people are

If broke people are making fun of your financial plan, you’re on track. Dave Ramsey

Dave Ramsey Quote: I believe that throu

I believe that through knowledge and discipline, financial peace is possible for all of us. Dave Ramsey

Dave Ramsey Quote: There are no shortcu

There are no shortcuts when it comes to getting out of debt. Dave Ramsey

Dave Ramsey Quote: Winning at money is

Winning at money is 80 percent behavior and 20 percent head knowledge. Dave Ramsey

Dave Ramsey Quote: Consider your buying

Consider your buying motives. Why are you making this purchase? Is it something you need or want, or are you buying it to make someone else happy or to please the kids? No amount of stuff will ever give you contentment or fulfillment. Dave Ramsey

Dave Ramsey Quote: Some people are just

Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life. Dave Ramsey

Dave Ramsey Quote: Debt has been sold t

Debt has been sold to us so aggressively, so loudly, and so often that to imagine living without debt requires myth-busting. Debt is so ingrained into our culture that most Americans can’t even envision a car without a payment… a house without a mortgage… a student without a loan… Dave Ramsey

Dave Ramsey Quote: My goal as I get old

My goal as I get older is to learn from other people’s stupid rather than my own. Dave Ramsey

Dave Ramsey Quote: My financial life be

My financial life began turning around when I took responsibility for it. Dave Ramsey

Dave Ramsey Quote: Broke people giving

Broke people giving financial advice is like a shop teacher with missing fingers. Dave Ramsey




Dave Ramsey Famous Quotes

Dave Ramsey Quote: Financial peace isn’

Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this. Dave Ramsey

Dave Ramsey Quote: You must plan your w

You must plan your work and then work your plan. Dave Ramsey

Dave Ramsey Quote: It’s never too late

It’s never too late to turn things around. You are the only obstacle. Dave Ramsey

Dave Ramsey Quote: It is human nature t

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

Dave Ramsey Quote: Success is a pile of

Success is a pile of failure that you are standing on. Dave Ramsey

Dave Ramsey Quote: Act your wage.

Act your wage. Dave Ramsey

Dave Ramsey Quote: Money comes from wor

Money comes from work, not from other people, the government, or dumb luck. From an early age, your kids need to feel that emotional connection between work and money. Dave Ramsey

Dave Ramsey Quote: Your decisions from

Your decisions from today forward will affect not only your life, but also your entire legacy. Dave Ramsey

Dave Ramsey Quote: Nothing happens with

Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time. Dave Ramsey

Dave Ramsey Quote: We’re not going to w

We’re not going to write a check every time you’re stupid. Nobody’s got that much money. Dave Ramsey




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Famous Quotations and Sayings by Dave Ramsey

Dave Ramsey Quote: If you don’t make a

If you don’t make a plan for your money, someone else will. Dave Ramsey

Dave Ramsey Quote: A big part of being

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: You can’t be in debt

You can’t be in debt and win. It doesn’t work. Dave Ramsey

Dave Ramsey Quote: I’m not against peop

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: If you keep doing wh

If you keep doing what you’ve been doing, you’re gonna keep getting what you’ve been getting. If you really want a different result, you gotta get knowledge, yes. But, more importantly, you’ve got to change your behavior permanently. Dave Ramsey

Dave Ramsey Quote: I don’t want to walk

I don’t want to walk across hot coals because it is fun, but if I can be shown how a short, painful walk will do away with the lifetime of worry, frustration, stress, and fear that being constantly broke brings me, then bring on the hot coals. Dave Ramsey

Dave Ramsey Quote: You must walk to the

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

Dave Ramsey Quote: The decision to go i

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: A goal without a pla

A goal without a plan is just a dream. Dave Ramsey

Dave Ramsey Quote: Debt is normal. Be w

Debt is normal. Be weird. Dave Ramsey



Sayings by Dave Ramsey that Will Make You Understand Money

Dave Ramsey Quote: If you will make the

If you will make the sacrifices now that most people aren’t willing to make, later on you will be able to live as those folks will never be able to live. Dave Ramsey

Dave Ramsey Quote: We buy things we don

We buy things we don’t need with money we don’t have to impress people we don’t like. Dave Ramsey

Dave Ramsey Quote: If you make some sac

If you make some sacrifices, inject some discipline, and get intentional about winning with money, the future is wide open. Dave Ramsey

Dave Ramsey Quote: Aristotle once said,

Aristotle once said, To avoid criticism say nothing, do nothing, and be nothing. Dave Ramsey

Dave Ramsey Quote: Work is doing it. Di

Work is doing it. Discipline is doing it every day. Diligence is doing it well every day. Dave Ramsey

Dave Ramsey Quote: First, stop the blee

First, stop the bleeding. You can’t get out of a hole while you’re digging out the bottom. Cut up your credit cards! That’s right…plastic surgery! Dave Ramsey

Dave Ramsey Quote: The enemy of ‘the be

The enemy of ‘the best’ is not ‘the worst’. The enemy of ‘the best’ is ‘just fine’. Dave Ramsey

Dave Ramsey Quote: Poor is a state of m

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

Dave Ramsey Quote: Debt is so ingrained

Debt is so ingrained into our culture that most Americans can’t even envision a car without a payment a house without a mortgage a student without a loan and credit without a card. We’ve been sold debt with such repetition and with such fervor that most folks can’t conceive of what it would be like to have NO payments.  Dave Ramsey

Dave Ramsey Quote: Teach your kids earl

Teach your kids early on how to save up for purchases. If they learn how (and why) to save up for a Barbie today, they’ll know how (and why) to save up for a car or house tomorrow—with no debt. Dave Ramsey




The Best Quotes About Living Life to The Fullest (Mind-Body-Spirit)

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Dave Ramsey Financial Quotes

Dave Ramsey Quote: The enemy of the bes

The enemy of the best is not the worst. The enemy of the best is just fine. Dave Ramsey

Dave Ramsey Quote: Work is a surefire m

Work is a surefire money-making scheme. Dave Ramsey

Dave Ramsey Quote: Diligence = discipli

Diligence = disciplined excellence over time. Dave Ramsey

Dave Ramsey Quote: Parents who let teen

Parents who let teens run around with unearned adult freedoms are naive and stupid. Dave Ramsey

Dave Ramsey Quote: When you run your mo

When you run your money through a budget, it just works harder. It has more muscle. Dave Ramsey

Dave Ramsey Quote: Discipline is hard,

Discipline is hard, it hurts, and it requires sacrifice. Personally, I don’t like discipline but I love what discipline produces. Dave Ramsey

Dave Ramsey Quote: Broke is normal. Why

Broke is normal. Why be normal? Dave Ramsey

Dave Ramsey Quote: For your own good, f

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

Dave Ramsey Quote: Rich people and smar

Rich people and smart people would be in the line if the Lotto was a real wealth-building tool, but the truth is that the Lotto is a rip-off instituted by our government. Dave Ramsey

Dave Ramsey Quote: You never cash out a

You never cash out a 401(k) or IRA to pay off debt, unless it’s to avoid a foreclosure or bankruptcy. Dave Ramsey



Dave Ramsey Quote: A budget is telling

A budget is telling your money where to go instead of wondering where it went. Dave Ramsey

Dave Ramsey Quote: If you want somethin

If you want something you’ve never had, you’ll have to do something you’ve never done. Dave Ramsey

Dave Ramsey Quote: If you will live lik

If you will live like no one else, later you can live like no one else. Dave Ramsey

Dave Ramsey Quote: You wanna blow money

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

Dave Ramsey Quote: Ideas are a dime a d

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

Dave Ramsey Quote: Wealth gained by dis

Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase. Dave Ramsey

Dave Ramsey Quote: Personal finance isn

Personal finance isn’t rocket science. It’s just common sense. It’s how your grandparents lived…if you don’t have the money, you can’t buy it! Dave Ramsey

Dave Ramsey Quote: You can get anywhere

You can get anywhere if you simply go one step at a time. Dave Ramsey

Dave Ramsey Quote: Live like no else to

Live like no else today, so you can live like no else tomorrow. Dave Ramsey

Dave Ramsey Quote: Find something to do

Find something to do and do that with vigor until it is complete; then and only then do you move to the next step. Dave Ramsey




Dave Ramsey Quote: Years ago, in a moti

Years ago, in a motivational seminar by the master, Zig Ziglar, I heard a story about how mediocrity will sneak up on you. The story goes that if you drop a frog into boiling water, he will sense the pain and immediately jump out. However, if you put a frog in room-temperature water, he will swim around happily, and as you gradually turn the water up to boiling, the frog will not sense the change. The frog is lured to his death by gradual change. We can lose our health, our fitness, and our wealth gradually, one day at a time. It might be a cliché, but that’s because it is true: The enemy of the best is not the worst. The enemy of the best is just fine.  Dave Ramsey

Dave Ramsey Quote: Change is painful. F

Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change. Dave Ramsey

Dave Ramsey Quote: When people get scar

When people get scared, they quit giving. Dave Ramsey

Dave Ramsey Quote: We have zero toleran

We have zero tolerance for gossip. Shut up and get work done. Dave Ramsey

Dave Ramsey Quote: We consumers have be

We consumers have become a nation of servants to financial institutions. We used to joke that a bank was where you could borrow money if you could prove you didn’t need it. Now, with the advent of aggressive credit marketing strategies, we can borrow even when we shouldn’t be allowed to. Dave Ramsey

Dave Ramsey Quote: Most of the things w

Most of the things we buy are wants. And we call them needs, but they’re wants. –Dave Ramsey Dave Ramsey

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