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“We buy things we don't need with money we don't have to impress people we don't like.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

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

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

“Act your wage.”
― Dave Ramsey

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

“You must gain control over your money or the lack of it will forever control you.”
― 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, The Total Money Makeover: A Proven Plan for Financial Fitness

“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, The Total Money Makeover: A Proven Plan for Financial Fitness

“Fear is the enemy of hope.”
― 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 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 bestâ€� is not “the worst.â€� The enemy of “the bestâ€� is “just fine.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“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, Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families

“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 Total Money Makeover: A Proven Plan for Financial Fitness

“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, The Total Money Makeover: A Proven Plan for Financial Fitness

“Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!”
― Dave Ramsey

“Winning at money is 80 percent behavior and 20 percent head knowledge. 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, The Total Money Makeover: A Proven Plan for Financial Fitness

“Stupid is not illegal.”
― Dave Ramsey

“Aristotle once said, “To avoid criticism say nothing, do nothing, and be nothing.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“The enemy of “the bestâ€� is not “the worst.â€� The enemy of “the bestâ€� is “just fine.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“A budget is people telling their money where to go instead of wondering where it went.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“Seth Godin says, “Instead of wondering when your next vacation is, maybe you should set up a life you don’t need to escape from.”
― Dave Ramsey, EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches

“A good plan, violently executed now, is better than a perfect plan next week. —George S. Patton”
― Dave Ramsey, EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches

“Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.”
― Dave Ramsey, Smart Money Smart Kids: Raising the Next Generation to Win with Money

“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, The Total Money Makeover: A Proven Plan for Financial Fitness

“The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth-building tool, but the truth is that the lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower-income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“Parents who let teens run around with unearned adult freedoms are naive and stupid.”
― Dave Ramsey, EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches

“There's a whole generation growing up thinking...the government exists to care for them.”
― Dave Ramsey Rachel Cruze

“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

“Savings without a mission is garbage. Your money needs to work for you, not lie around you.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“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, The Total Money Makeover: A Proven Plan for Financial Fitness