33 Fantastic Dave Ramsey Quotes

Dave Ramsey is a popular American radio host and television personality best known for his motivational speaking. His writings and shows are focused on encouraging others to get out of debt. Over the term of his career, Ramsey has shared a lot of sound advice. Here is a look at some of the best Dave Ramsey quotes to remember.

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

“A goal without a plan is just a dream.”

“At the end of the day we are not selling, we are serving.”

“Change! If you keep doing what you’re doing, you’ll keep getting what you’re getting.”

“Credit is an ‘I love debt’ score.”

“Fear is the enemy of hope.”

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

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

“I have to live my books before I write them.”

“If you will live like no one else, later you can live like no one else.”

“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.”


“It’s never too late to turn things around. You are the only obstacle.”

“I’ve got a young man who works for me who says you don’t need to discover your dreams – you need to recover them.”

“Live like no else today, so you can live like no else tomorrow.”

“Most of the things we buy are wants. And we call them needs, but they’re wants.”

“Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.”

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

“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.”

“Pray like it all depends on God, but work like it all depends on you.”

“The average millionaire can’t tell you who got thrown off the island last night.”

“The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.”

“The world will try to tell you that you need stuff to be somebody. Don’t listen.”

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

“We buy things we don’t need with money we don’t have to impress people we don’t like.”

“We’ve really got to stop looking to Washington to fix our problems. It obviously doesn’t have the ability to do that. People who are successful are not successful because of the president.”

“While I encourage people to save 100% down for a home, a mortgage is the one debt that I don’t frown upon.”

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

“You are not entitled to anything until you save and pay for it.”

“You can’t be in debt and win. It doesn’t work.”

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

“You must plan your work and then work your plan.”

“You will either tell your money what to do, or the lack of it will always manage you.”

“You’ve got to tell your money what to do or it will leave.”

Check out this short documentary that explores the life and career of Dave Ramsey as he went from mowing lawns as a teenager to becoming a nationally-syndicated radio host and best selling author.

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