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Just keep taking the next step and keep having excellence in the ordinary.

Dave Ramsey

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Dave Ramsey
Age: 64
Born: 1960
Born: September 3
Author
Motivational Speaker
Radio Personality
Antioch
Tennessee
Keep
Next
Excellence
Step
Ordinary
Taking
Steps

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Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.
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You don't build wealth with credit card rewards and airline miles. You can't beat the credit card companies at their own game.
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Instead of just purchasing an ad campaign, target test and measure. Give an ad a small try. If the response is enough to pay for the ad, make it larger. With a franchise, ask the most successful franchisees what they did. Ask the bottom five guys what they did and avoid it.
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There's not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.
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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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I can't tell you how many home businesses are almost in bankruptcy court over a Yellow Pages ad only to find out that the Yellow Pages ad isn't where their market will look for them, and it cost more than they thought.
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People are in such a hurry to launch their product or business that they seldom look at marketing from a bird's eye view and they don't create a systematic plan.
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When I do something stupid with money and lose it....I call that Stupid Tax. I have paid so much Stupid Tax that I am expert.
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Great talent stands in line to join your team because the culture becomes the stuff of legend.
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The creature comforts we tend to rationalize as business expenses I can write off.
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I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would win with money.
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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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Your greatest asset is your paycheck. Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It's just as important as life insurance.
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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.
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Work is a surefire money-making scheme.
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Opening your hands will set you free.
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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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Success is a pile of failure that you are standing on.
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When leadership set the goals by themselves, they are not goals, they are quotas.
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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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