Quotes from Dave Ramsey

Usted no está enseñándole a su hijo de dieciséis años a tener responsabilidad con sus gastos cuando

Life is not a snapshot, it's a filmstrip.

My grandmother used to say, "Those convinced against their will are of the same opinion still.

It is hard to work your day job and spend a ton of hours on your business, but it is harder to make a mistake and lose your home in foreclosure because you jumped before the boat was close enough to the dock.

Great spirits have often encountered violent opposition from weak minds.

To avoid criticism say nothing, do nothing, and be nothing." I can't help millions of people change their lives by saying nothing, doing nothing, and being nothing.

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.

Those who work hard will make a profit, but those who only talk will be poor. PROVERBS 14:23

Again, college is important—very important—but it is not the answer to all your kids' problems. I will be so bold as to say college isn't even a need; it is a want. It isn't a necessity; it is a luxury. This luxury is one of the first on my list, but not before retirement, not before an emergency fund, and certainly not as a reason to go into debt.

The haves and have-nots can often be traced back to the dids and did-nots. D. O. FLYNN

Goals convert vision into energy. When you lay out exactly what you want to do in detail, you immediately start feeling the room move and the earth shake. You are pulled into your new life like some scene from a movie. Goals help make great men. J. C. Penney once said, "Give me a stock clerk with a goal, and I will give you a man who will make history. Give me a man without a goal and I will give you a stock clerk.

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

This is a book about winning

Debt has been sold to us so aggressively, so loudly, and so often that to imagine living without debt requires myth-busting.

the most important key to building wealth is becoming and remaining debt-free.

the emergency fund is not an investment; it's insurance—and insurance costs you money.

The fact is, most people in our nation today believe that debt is NORMAL, and in most cases, NECESSARY. They can't imagine living a cash-and-carry life or a life in which all things they own are purchased outright with cash at the time of purchase— in other words, with no payment plan or use of credit cards.

We have a retirement crisis in America today nor from a lack of money, but from a lack of vision

Si es un tonto y llega a hacerse rico, será el rey de los tontos. Si es generoso y llega a hacerse rico, será más generoso.

We are being taught by everything around us to have dessert before dinner." Now we are paying for our lack of knowledge and discipline.

Nothing was left to chance; every smell, every piece of furniture, and certainly the design of the floor plans made these model homes world-class.

cuanto más pronto usted comprenda que nadie se hace rico rápidamente usando información secreta, tanto mejor.

The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account.

If we aren't profitable by December 20, I will close the business." That would leave him about $800,000, plus his retirement money and home, and he would do something else to earn a living.