Quotes from Dave Ramsey

You're not a bad parent if you don't save for your kid's college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called 'work' while they're in school.

Pay your utilities, gas and other basic needs before paying on your debts.

If you're able to pay your bills, you pay your bills. It's as simple as that.

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.

We buy things we don't need with money we don't have to impress people we don't like.

Live like no else today, so you can live like no else tomorrow.

Savings without a mission is garbage. Your money needs to work for you, not lie around you.

Henry Ford said, "Those who never make mistakes work for those of us who do.

Measure your wealth not by the things you have, but by the things for which you would not take money.

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.

You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.

If you don't own the goal and it doesn't come from your dream, then you won't have the toughness to persevere when the going gets tough. And I will promise you that the going will get tough. There is never an exception—everyone who wins must push through obstacles, lots of them. You simply will not get up at dawn for your three-mile run because your wife wants you thinner. Big goals require big backbone—wimps need not apply.

Opposites attract. If two people just alike get married, one of you is unnecessary. LARRY BURKETT

Most people won't change until the pain of where they are exceeds the pain of change.

Debt is normal! So why be normal?

Having children doesn't make you a good parent, it means you had sex. That's all.

So content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.

You must sell benefits, not products.

The German root word for "debt" is the same as for "guilt.

You must plan your work and then work your plan.

Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card. We

If you keep a $495 car payment throughout your life, which is "normal," you miss the opportunity to save that money. If you invested $495 per month from age twenty-five to age sixty-five, a normal working lifetime, in the average mutual fund averaging 12 percent (the eighty-year stock market average), you would have $5,881,799.14 at age sixty-five. Hope you like the car!

Requiring nothing of a child gives them no opportunity for failure or success.

If you as a leader allow people to halfway do their jobs and don't demand excellence as a prerequisite to keeping their job, you will create a culture of mediocrity.