Dave Ramsey Quotes

112 Dave Ramsey Quotes

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I’ve seen businesses try to make their business fit their building instead of making their building fit their business. I have actually heard people say they didn’t want to grow any larger because they would outgrow the building they own!
Dave Ramsey

Don’t be so proud you can’t or won’t start with used equipment.
Dave Ramsey

It is wise to expect the unexpected loss in revenue or increase expense.
Dave Ramsey

Loyalty comes… from fanatical integrity.
Dave Ramsey

If you react the same way every time in every similar situation, you don’t have to put your company values in a brochure, because your team sees them lived every day.
Dave Ramsey

Don’t cut pay when someone is producing; you will cause them to dislike producing.
Dave Ramsey

The more predictable you become on matters of principle, values, and culture, the more you grow leaders and team members who you can delegate to.
Dave Ramsey

I am positive that personal finance is 80 percent behavior and only 20 percent head knowledge.
Dave Ramsey

Most financial people make the mistake of trying to show you the numbers, thinking that you just don’t get the math. I am sure that the problem with my money is the guy in my mirror. If he will behave, he can make the money thing work.
Dave Ramsey

The math of wealth building is not rocket science; it is simple – but you have to DO IT!
Dave Ramsey



To change your money thing, you have to change.
Dave Ramsey

When you change your life, you really change your life.
Dave Ramsey

I can’t help millions of people change their lives by saying nothing, doing nothing, and being nothing.
Dave Ramsey

I have invented very little in this area of money. What I have done is packed the time time-honored information into a process that is doable and has inspired millions of people to act on it.
Dave Ramsey

Ignorance is not lack of intelligence; it is simply ‘not knowing.’
Dave Ramsey

I have met so many broke people with financial credentials that I almost think it discredits me to have had formal training.
Dave Ramsey

Don’t take financial advice from broke people.
Dave Ramsey

We live in a cause-and-effect world. What you sow, you will reap.
Dave Ramsey

A man with an experience is not at the mercy of a man with an opinion.
Dave Ramsey

I had too much debt, too little savings, and no sense of control over my life.
Dave Ramsey



I did it my way, and my way wasn’t working.
Dave Ramsey

I was good at real estate, but I was better at borrowing money.
Dave Ramsey

All winners pay a price to win. Some losers pay a price and never win…
Dave Ramsey

90 percent of people in our culture buy things they can’t afford.
Dave Ramsey

I have actually twice become a millionaire from nothing.
Dave Ramsey

You will win, and the payoff will be worth the cost.
Dave Ramsey

Savings without a mission is garbage. Your money needs to work for you, not lie around.
Dave Ramsey

Don’t wait to have denial knocked out of you.
Dave Ramsey

When something is wrong, stand up and say it is wrong, and don’t back down.
Dave Ramsey

When you are physically fat, it is hard to be in denial, because there is the ever-widening belt line. When you are financially fat, however, you can fake it and look good for a while…
Dave Ramsey



You have to see the need to make dramatic changes.
Dave Ramsey

88% of graduating college seniors have credit-card debt – before they even have a job!
Dave Ramsey

Change is painful.
Dave Ramsey

When it comes to money, we can be like the toddler in a soiled diaper. ‘I know it smells bad, but it’s warm and it’s mine.’ Only when the rash comes will we cry out.
Dave Ramsey

If you keep doing the same things, you will keep getting the same results.
Dave Ramsey

Don’t wait for a heart attack to show you that you are overweight.
Dave Ramsey

It is human nature to want it and want it now; it is also a sign of immaturity.
Dave Ramsey

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

Don’t let the moneys pull you down!
Dave Ramsey

A major barrier to winning is our view of debt.
Dave Ramsey



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