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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!

Dave Ramsey

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Dave Ramsey
Age: 64
Born: 1960
Born: September 3
Author
Motivational Speaker
Radio Personality
Antioch
Tennessee
Every
Choice
Like
Choices
Start
Making
Today
Ever
Different
Made

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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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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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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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Leadership responsibility: If you own a biz, you're the head of the org. Good or bad, your company will LOOK and ACT like you do.
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You will only sacrifice when you passionately believe in the outcome.
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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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Credit is an 'I love debt' score.
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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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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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The creature comforts we tend to rationalize as business expenses I can write off.
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Delegation requires the willingness to pay for short term failures in order to gain long term competency.
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Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.
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Anytime you open a business, you have to be effective in promoting whether it's a franchise or not. You'll need to learn to be a Web marketer extraordinaire. There's plenty of material out there.
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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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Debt is normal. Be weird.
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When leadership set the goals by themselves, they are not goals, they are quotas.
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Work-get paid don't work-don't get paid. Everybody is on commission
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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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A good financial planner is going to do more than pick your funds.
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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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