Quotes from Dave Ramsey

I've got a young man who works for me who says you don't need to discover your dreams - you need to recover them.

Trust me, I know, you can make mistakes with money and still raise money-smart kids. You can start a new family tradition of handling money the right way.

Gratitude is really, really attractive. A child who is genuinely grateful makes you want to do anything for her, and that is true of adults as well.

You have to teach children about money intentionally - create teachable moments.

Leading a family is the hardest job a man can ever have.

I will never be unemployed.

No one got rich on a government program. Do not choose to be a common man. You can be uncommon.

Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest.

There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt. It's not going to work.

You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy.

I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access.

Would a good friend, a smart friend, encourage you to do something as dishonorable as not pay a bill you're morally and legally obligated to pay? I don't think so.

In the neighborhood where I grew up, it was a rough neighborhood - well, not rough, but it certainly wasn't upper class or anything. But I remember hearing things like, 'The little man just can't get ahead.' And if you start to believe that, then you know what? You don't get ahead.

Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.

If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don't owe anyone an apology for winning.

Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.

Those who don't manage their money will always work for those who do

You can't work three hours a week and make $100,000. Get rich quick doesn't work. Crock pot mentality always defeats microwave mentality!

You must plan your work and then work your plan.

Work-get paid; don't work-don't get paid. Everybody is on commission

You can't be in debt and win. It doesn't work.

In order to be a great marketer, you have to be focused and intense and look at scarcity, urgency, activity and passion in the marketplace.

A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy.

Goals are visions and dreams with work clothes on.