Quotes from Dave Ramsey

A good man leaves an inheritance to his children's children" (Prov. 13:22 NKJV). I

Vision without action is a daydream. Action without vision is a nightmare. JAPANESE PROVERB

Hope is steel covered in velvet. It can seem soft and cuddly, but hope is at the core of what makes people become what God designed them to be. Hope and its sister, faith, always create action.

We are scaling down" is a painful statement to make to friends or family.

one reason people make bad decisions is they don't have a good decision as one of their options.

Albert Einstein said, "Great spirits have often encountered violent opposition from weak minds.

because God has said, "Never will I leave you; never will I forsake you." HEBREWS 13:5 NIV

John Maxwell says a budget (for your money) is telling your money where to go instead of wondering where it went. Managing time is the same; you will either tell your day what to do or you will wonder where it went.

No one wins the Super Bowl accidentally. Be intentional, Be Passionate, Don't mail it in! You got this!

The Bible says in Habakkuk 2:2, "Write the vision and make it plain." The written goal is the breakfast of champions. You just can't do big things without making your goals specific, measurable, yours, with a time limit, and in writing.

The reality is that Murphy doesn't visit as much, but when he does, we hardly notice his presence. When Sharon and I were broke, our heating-and-air system quit, and the repair cost $580. It was a huge, hairy deal. Recently I had a new $570 water heater installed because the old one started leaking, and I hardly noticed. I wonder if the stress relief that your Total Money Makeover provides will allow you to live longer?

I finally realized that results are generated by activities. If I manage my activities then the results I want occur.

If you keep doing the same things, you will keep getting the same results. You are where you are now financially as a sum total of the decisions you've made to this point.

IF YOU WILL LIVE LIKE NO ONE ELSE, LATER YOU CAN LIVE LIKE NO ONE ELSE. This is the motto of your Total Money Makeover. It's my way of reminding you that if you will make the sacrifices now that most people aren't willing to make, later on you will be able to live as those folks will never be able to live.

We also glory in tribulations, knowing that tribulation produces perseverance; and perseverance, character; and character, hope. Now hope does not disappoint, because the love of God has been poured out in our hearts by the Holy Spirit who was given to us. ROMANS 5:3–5 NKJV

Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.

La deuda no es un instrumento; es un método para hacer ricos a los bancos, no a usted.

Humpty Dumpty is hard to put back together, and so is trust.

Henry Ford, who definitely had more than enough, said, "Failure is the opportunity to begin again more intelligently.

Money is finite. There is not an infinite supply. That's something a lot of people have trouble remembering these days. In a time when crazy mortgages, car loans, student loans, and credit cards make you believe anyone can purchase anything at any time with no consequences, it's easy to forget that money has limits.

I believe that through knowledge and discipline, financial peace is possible for all of us.

God gives every bird its food, but He does not throw it into the nest. J. G. HOLLAND

To avoid criticism say nothing, do nothing, and be nothing.

15 percent of success could be attributed to training and education, while 85 percent was attributed to attitude, perseverance, diligence, and vision.