Quotes from Dave Ramsey

When people get scared, they quit giving.

What your beliefs are about anything creates your actions. What you believe about marriage creates the way you handle your marriage. What you believe about raising kids creates the way you do that.

There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there.

There are no shortcuts when it comes to getting out of debt.

I really am not a gold fan.

If you're doing something like scheduling utility payments to come through your debit card or out of your personal checking account, that's perfectly fine. But there are much safer ways to handle situations with debt collectors. You can send a money order overnight, or wire the cash to them.

Nothing happens without focus. Don't try to do everything at once. Take it one step at a time.

You can get anywhere if you simply go one step at a time.

Do not let your life, ministry or organization go faster than your resources.

Your FICO score is an "I love debt" score. You're going to pay a bazillion dollars in interest to keep your FICO score up in order to have lower homeowner's and car insurance rates.

Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.

To be fair, the collection business does have a few good people in it. But it also has those who will lie and make threats.

Financial winners don't run sprints, they run marathons. They don't rush. They do it step by step over time.

What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it.

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.

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.

Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.

If people in America would get their finances together and start taking care of each other, we could put the government out of business.

Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully.

It takes some discipline and hard work, but relying on credit when things go wrong is a trap.

The Bible clearly says that when we have a problem with our brother, we are to go to them and try to resolve the situation.

This is a great time for the 'guerilla marketer.' The days when you used to have to buy expensive TV time and a yellow page ad to get started are gone.

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.

Credit is an 'I love debt' score.