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!)
Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like. Dave Ramsey
If the Red-Faced Kid (“I want it, and I want it now!”) rules your life, you will stay broke. Dave Ramsey
Those who don’t manage their money will always work for those who do. Dave Ramsey
If you help enough people, you don’t have to worry about money. Dave Ramsey
If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning. Dave Ramsey
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
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
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
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
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 sin Dave Ramsey
The number one problem that causes student loan debt? Parents that suck. Dave Ramsey
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
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
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 Dave Ramsey
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
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 Dave Ramsey
Measure your wealth not by the things you have, but by the things for which you would not take money. Dave Ramsey
You’ve got to tell your money what to do or it will leave. Dave Ramsey
Your budget must balance! You are not Congress! Dave Ramsey
Being able to delay pleasure for a greater result is a sign of maturity. Dave Ramsey
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
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
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
Pray like it all depends on God, but work like it all depends on you. Dave Ramsey
Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His. Dave Ramsey
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
You must gain control over your money or the lack of it will forever control you. Dave Ramsey
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
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
It takes some discipline and hard work, but relying on credit when things go wrong is a trap. Dave Ramsey
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If broke people are making fun of your financial plan, you’re on track. Dave Ramsey
I believe that through knowledge and discipline, financial peace is possible for all of us. Dave Ramsey
There are no shortcuts when it comes to getting out of debt. Dave Ramsey
Winning at money is 80 percent behavior and 20 percent head knowledge. Dave Ramsey
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
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
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… Dave Ramsey
My goal as I get older is to learn from other people’s stupid rather than my own. Dave Ramsey
My financial life began turning around when I took responsibility for it. Dave Ramsey
Broke people giving financial advice is like a shop teacher with missing fingers. Dave Ramsey
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
You must plan your work and then work your plan. Dave Ramsey
It’s never too late to turn things around. You are the only obstacle. Dave Ramsey
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
Success is a pile of failure that you are standing on. Dave Ramsey
Act your wage. Dave Ramsey
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
Your decisions from today forward will affect not only your life, but also your entire legacy. Dave Ramsey
Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time. Dave Ramsey
We’re not going to write a check every time you’re stupid. Nobody’s got that much money. Dave Ramsey
Find More great Quotes...
If you don’t make a plan for your money, someone else will. Dave Ramsey
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
You can’t be in debt and win. It doesn’t work. Dave Ramsey
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
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
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
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
The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned. Dave Ramsey
A goal without a plan is just a dream. Dave Ramsey
Debt is normal. Be weird. Dave Ramsey
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
We buy things we don’t need with money we don’t have to impress people we don’t like. Dave Ramsey
If you make some sacrifices, inject some discipline, and get intentional about winning with money, the future is wide open. Dave Ramsey
Aristotle once said, To avoid criticism say nothing, do nothing, and be nothing. Dave Ramsey
Work is doing it. Discipline is doing it every day. Diligence is doing it well every day. Dave Ramsey
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
The enemy of ‘the best’ is not ‘the worst’. The enemy of ‘the best’ is ‘just fine’. Dave Ramsey
Poor is a state of mind. Broke is, “I’m just passing through.” Dave Ramsey
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 f Dave Ramsey
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)
The enemy of the best is not the worst. The enemy of the best is just fine. Dave Ramsey
Work is a surefire money-making scheme. Dave Ramsey
Diligence = disciplined excellence over time. Dave Ramsey
Parents who let teens run around with unearned adult freedoms are naive and stupid. Dave Ramsey
When you run your money through a budget, it just works harder. It has more muscle. Dave Ramsey
Discipline is hard, it hurts, and it requires sacrifice. Personally, I don’t like discipline but I love what discipline produces. Dave Ramsey
Broke is normal. Why be normal? Dave Ramsey
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
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
You never cash out a 401(k) or IRA to pay off debt, unless it’s to avoid a foreclosure or bankruptcy. Dave Ramsey
A budget is telling your money where to go instead of wondering where it went. Dave Ramsey
If you want something you’ve never had, you’ll have to do something you’ve never done. Dave Ramsey
If you will live like no one else, later you can live like no one else. Dave Ramsey
You wanna blow money? Put it in a “blow” category in your budget. But at least admit it on paper! Dave Ramsey
Ideas are a dime a dozen. People who execute them are not. Dave Ramsey
Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase. Dave Ramsey
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
You can get anywhere if you simply go one step at a time. Dave Ramsey
Live like no else today, so you can live like no else tomorrow. Dave Ramsey
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
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 fr Dave Ramsey
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
When people get scared, they quit giving. Dave Ramsey
We have zero tolerance for gossip. Shut up and get work done. Dave Ramsey
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 Dave Ramsey
Most of the things we buy are wants. And we call them needs, but they’re wants. –Dave Ramsey Dave Ramsey
