Quotes from Dave Ramsey

One way to do that is to sell something. You could sell lots of little stuff at a garage sale, sell a seldom-used item on the Internet, or sell a precious item through the classifieds. Get gazelle-intense and sell so much stuff that the kids are afraid they are next. Sell things that make your broke friends question your sanity. If your budget is stopped-up and your Debt Snowball won't

Remember, whether you are fourteen or fifty-four, a budget represents intentional living.

One way to do that is to sell something. You could sell lots of little stuff at a garage sale, sell a seldom-used item on the Internet, or sell a precious item through the classifieds. Get gazelle-intense and sell so much stuff that the kids are afraid they are next. Sell things that make your broke friends question your sanity. If your budget is stopped-up and your Debt Snowball won't roll on its own, you are going to have to get radical.

success. What

Baby Step Four: Invest 15 Percent of Your Income in Retirement Those of you concerned about retirement are relieved we have finally gotten to this step. Those who have been living in denial are wondering what all the fuss is about. Baby Step Four is time to get really serious about your wealth building.

If you can make the customer feel the way you do about your product, then your customer will buy your product.

When Eeyore becomes your spirit animal...you've lost hope".

Obtener una tarjeta de crédito para su adolescente es un excelente modo de enseñarle a ser financieramente irresponsable. Por eso los adolescentes son ahora el blanco número uno de las compañías de tarjetas de crédito.

If you are trying to get momentum in marketing, business, marriage, your physical condition, or your parenting, take your best focused intensity over time and multiply it by God for unstoppable momentum.

President John F. Kennedy said, "There are costs and risks to a program of action, but they are far less than the long-range risks and costs of comfortable inaction.

In studying successful people, the author discovered that 15 percent of success could be attributed to training and education, while 85 percent was attributed to attitude, perseverance, diligence, and vision.

The rich rule over the poor, and the borrower is slave to the lender" (NIV).

Ninety percent of making the right decision is the gathering of information. The bigger the decision, the more time you take, the more options you gather, and the more informed you should become.

Parents, you need to understand something: someone is going to teach your kids about money. It will either be you, or it will be a shady car dealer, a credit card pusher on your child's first day at college, a get-rich-quick infomercial pitchman, or just some clown who's after their money. If you want to protect your kids, you need to send them out into the world with some knowledge.

I want you to have some nice stuff; I just don't want your nice stuff to have you.

If you're not intentional about growing your kids' characters and ability to handle money, you can work your whole life to build wealth only to have it end up ruining them.

For the love of money is a root of all kinds of evil" (emphasis added). It's not about money; it's about our attitude. God doesn't like it when we worship anything other than Him. He's a jealous God, and if our love of money (or family, or career, or hobbies, or . . . you fill in the blank) gets in the way of our relationship with Him, then we have a problem. He doesn't like that.

Business is really not that hard. You are, however, required to do the basics or you will not win.

People with the spirit of pride believe that money only comes from hard work and force of will. These are performance-based individuals who believe their wealth (and maybe even their spiritual growth) is 100 percent tied to their effort.

The good thing about principles is that they make life easy. I have heard it said that when someone bases his life on principle, 99 percent of his decisions are already made.

She had the opportunity to spend time at Jesus' feet, and, instead, she's doing the dishes. I've done that! I've been so blinded by the work that I've totally missed the real blessing in a situation. That's what we do when we think that money or wealth or possessions or God's favor and blessings come only from our performance.

Poverty thinking is always focused on other people's money, and it often gets obsessively focused on an unbiblical notion of equality (which we'll discuss in more detail in the next chapter). If there are two people in a room, one rich and one broke, then a modern-day Robin Hood should come in, take the rich person's money, and give it to the broke person. The fact that Robin Hood was a thief isn't important.

Seth Godin says, "Instead of wondering when your next vacation is, maybe you should set up a life you don't need to escape from." Business is way too hard to work at something just for money.

The accountability of a group environment causes people to change their behaviors.