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If you come with mercy but not justice that's called enabling.

Dave Ramsey

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Dave Ramsey
Age: 64
Born: 1960
Born: September 3
Author
Motivational Speaker
Radio Personality
Antioch
Tennessee
Come
Enabling
Mercy
Called
Justice

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Opening your hands will set you free.
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Doing a budget means learning an ancient and powerful word: NO.
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Debt has become a part of who we are.
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What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on 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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Broke people giving financial advice is like a shop teacher with missing fingers.
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You will either learn to manage money, or the lack of it will manage you.
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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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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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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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Knock out a small debt first so you get a quick win. Momentum is key.
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Higher calling matters. When you care so deeply about the why-why you're doing what you're doing-then and only then are you operating in a way that allows you to overcome the obstacles.
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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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A budget is telling your money where to go instead of wondering where it went.
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The only reason to go into business is to make money. You have to work hard at it. If you're not passionate about it, you'll burn out so fast that it is incredible.
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You will only sacrifice when you passionately believe in the outcome.
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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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You must plan your work and then work your plan.
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