Quotes from Dave Ramsey

It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.

Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!

Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn't the problem; doing it is. Most of us know what to do, but we just don't do it. If I can control the guy in the mirror, I can be skinny and rich.

Stupid is not illegal.

typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.

The enemy of "the best" is not "the worst." The enemy of "the best" is "just fine.

A budget is people telling their money where to go instead of wondering where it went.

Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.

Parents who let teens run around with unearned adult freedoms are naive and stupid.

The weird thing is that the more efficient, on task, on goal you are with your time, the more energy you have. Working with no traction, or for that matter simply wasting a day, does not relax you, it drains you.// Strange as it may seem, when you work a daily plan in pursuit of your written goals that flow from your mission statement born of your vision for living your dreams, you are energized after a tough long day.

A good plan, violently executed now, is better than a perfect plan next week. —George S. Patton

I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.

A year of intense exercise and watching what you eat will likely change the trajectory of your life physically. You will melt away fat, tone up muscle, feel better, and change your habits, likely for life. But only ten days of that exercise program won't move the needle on the scale. To create big-time success you have to stay focused and stay intense over an extended period of time.

Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.

Once I will warn you, and then I will fire you! I have a zero-tolerance-plus-one policy for gossip. I will teach you once, and then I will fire your butt.

You must gain control over your money or the lack of it will forever control you.

Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.

Your priorities, passions, goals, and fears are shown clearly in the flow of your money.

A budget is telling your money where to go instead of wondering where it went.

Debt is dumb. Cash is king.

Rich isn't an amount of money, it's a mindset about how you live. If you believe you can win, you can.

Outrageous generosity is a character quality of people who win with money.

If you help enough people, you don't have to worry about money.

When I do something stupid with money and lose it....I call that Stupid Tax. I have paid so much Stupid Tax that I am expert.