Dave Ramsey
Dave Ramsey

The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.

Dave Ramsey
Dave Ramsey

I believe that through knowledge and discipline, financial peace is possible for all of us.

Dave Ramsey
Dave Ramsey

I always laugh and say I met God on the way up, and I got to know him on the way down. And so, as I'm crashing and losing everything, a lot of people run to God when they are struggling. And I was no exception.

Dave Ramsey
Dave Ramsey

Credit is an 'I love debt' score.

Dave Ramsey
Dave Ramsey

You've got to tell your money what to do or it will leave.

Dave Ramsey
Dave Ramsey

You need some quick wins in order to stay pumped enough to get out of debt completely.

Dave Ramsey
Dave Ramsey

We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products.

Dave Ramsey
Dave Ramsey

Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life.

Dave Ramsey
Dave Ramsey

You can't be in debt and win. It doesn't work.

Dave Ramsey
Dave Ramsey

You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities.

Dave Ramsey
Dave Ramsey

There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt. It's not going to work.

Dave Ramsey
Dave Ramsey

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.

Dave Ramsey
Dave Ramsey

In order to be a great marketer, you have to be focused and intense and look at scarcity, urgency, activity and passion in the marketplace.

Dave Ramsey
Dave Ramsey

There are no shortcuts when it comes to getting out of debt.

Dave Ramsey
Dave Ramsey

Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.

Dave Ramsey
Dave Ramsey

This is a great time for the 'guerilla marketer.' The days when you used to have to buy expensive TV time and a yellow page ad to get started are gone.

Dave Ramsey
Dave Ramsey

People are in such a hurry to launch their product or business that they seldom look at marketing from a bird's eye view and they don't create a systematic plan.

Dave Ramsey
Dave Ramsey

I like to write books where I get a question on the radio, and I don't have an answer for it.

Dave Ramsey
Dave Ramsey

Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.

Dave Ramsey
Dave Ramsey

Pay your utilities, gas and other basic needs before paying on your debts.