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You will either learn to manage money, or the lack of it will manage you.

Dave Ramsey

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Dave Ramsey
Age: 64
Born: 1960
Born: September 3
Author
Motivational Speaker
Radio Personality
Antioch
Tennessee
Money
Manage
Lack
Either
Learn

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Leading a family is the hardest job a man can ever have.
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Debt is normal. Be weird.
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I think the lie we've told people in the marketplace is that a degree gets you a job. A degree doesn't get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful.
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If you help enough people, you don't have to worry about money.
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Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That's a good way to end up broke. We've got to resist the temptation to catch up with our parents in 18 months. Slow down. You have the rest of your life to play catch up. After all, it's just stuff.
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Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!
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If you buy a $28,000 car, in four years it will be worth about 11,000 bucks.
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My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid.
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When you're trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive.
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Credit is an 'I love debt' score.
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When you create a basic budget and stick to it, it will suddenly seem like you have more money.
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The average millionaire can't tell you who got thrown off the island last night.
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Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.
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Rich isn't an amount of money, it's a mindset about how you live. If you believe you can win, you can.
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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.
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I'm a Christian. Years ago, I went broke, so I decided to run every part of my life according to the Bible. It sounds hokey, but it works. You run your marriage that way, and it works. It will work with business, too, and finances. Treat people like you want to be treated.
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You wanna blow money? Put it in a 'blow' category in your budget. But at least admit it on paper!
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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.
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Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices!
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