Quotes from Dave Ramsey

Passion is so key in leading and creating excellence that I will hire passion over education and talent every time.

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

Las personas arruinadas usan tarjetas de crédito; las personas ricas, no.

The other huge qualifier is that I used the principles I teach to personally build wealth. My wife and I have truly lived this book. The things we teach are not theory—they work!

Es verdaderamente difícil vender libros y cintas que enseñen la necesidad de realizar mucho trabajo duro, vivir con menos de lo que se gana, salir de deudas y vivir a base de un plan, pero estoy intentándolo, porque es la única manera de lograr buenos resultados.

Los resultados pueden ser devastadores. Recientemente, dos estudiantes universitarios en Oklahoma se dieron por vencidos por sus tarjetas de crédito y se suicidaron, dejando las cuentas en la cama junto a ellos.

should always be dreaming. Dreaming is a sign you have hope.

People were running around buying things they couldn't afford with money they didn't have to impress people they didn't even like

Passion is so key in leading and creating excellence that I will hire passion over education or talent every time. I prefer to have both, but given a choice I will take passion. La Rochefoucauld once said, "The most untutored person with passion is more persuasive than the most eloquent without.

El Instituto Estadounidense de Bancarrotas revela que 19% de las personas que se declararon en bancarrota el año pasado eran estudiantes universitarios.

If you wouldn't want your mother to buy the item or the service then don't sell it.

You can control the controllables.

Your largest wealth-building asset is your income. When you tie up your income, you lose. When you invest your income, you become wealthy and can do anything you want.

Businesses and entrepreneurs have become experts at microwaving rather than Crock-Potting their business plan. They are so worried about the moment, Q1 or Q2, that they lose their vision and their soul. They trade real, rich, abiding, deep success for the momentary win and then are constantly having to start over. Have a long-term vision and execute it. As the billionaire advised me, slow and steady wins the race.

If you invest $464 in a good mutual fund every month from age thirty to age seventy, you'll end up with more than $5 million.

the borrower is slave to the lender

Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.

Being willing to delay pleasure for a greater result is a sign of maturity.

For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don't back down.

Goals Must Have a Time Limit Goals without a time limit are unable to be broken down into micro goals to measure your progress, to observe your traction. You might say, "I want to write a book." Great, when? In twenty years? In twenty months? If you don't put a deadline on the goal it will never happen and you will get to eat the bitter fruit of regret.

There is no such thing as good debt. The credit card is the cigarette of the financial world. The borrower is always a slave to the lender.

We enjoy earning interest now, rather than paying it.

When leadership sets the goals by themselves they are not goals, they are quotas. And no one likes quotas.

Over the long term you get what you deserve, and none of us like it when what we deserve is pain.