23 Phenomenal Quotes From The Total Money Makeover

This proven plan for financial success written by Dave Ramsey serves as just another statement to the common sense approach that Ramsey teaches his readers. In this book, Ramsey discusses his approach to getting out of debt and achieving total financial health. With many financial myths debunked in this book, check out these great quotes from ‘The Total Money Makeover’ and start gaining back control of your life.

“15 percent of success could be attributed to training and education, while 85 percent was attributed to attitude, perseverance, diligence, and vision.”

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

“A man with an experience is not at the mercy of a man with an opinion.”

“As long as the sun was shining, life was a party, and the pig with brick seemed kind of nerdy, or overly conservative, or even fanatical. But when their stupid theories were stress tested, their houses fell.”

“Being the highly trained investment mogul that I am, I could certainly find places to put that money where it would earn more. Or would it? Remember, personal finance is personal. I have come to realize that Sharon’s peace of mind bought with the oversized emergency fund is a great return on investment. Guys, this can be a wonderful gift to your wife.”

“Being willing to delay pleasure for a greater result is a sign of maturity.”


“Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.”

“For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.”

“Great spirits have often encountered violent opposition from weak minds.”

“I have heard it said that if you tell a lie often enough, loudly enough, and long enough, the myth will become accepted as a fact. Repetition, volume, and longevity will twist and turn a myth, or a lie, into a commonly accepted way of doing things. Entire populations have been lulled into the approval of ghastly deeds and even participation in them by gradually moving from the truth to a lie. Throughout history, twisted logic, rationalization, and incremental changes have allowed normally intelligent people to be party to ridiculous things. Propaganda, in particular, has played a big part in allowing these things to happen.”

“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.”

“If I loan money to a friend or relative, the relationship will be strained or destroyed. The only relationship that would be enhanced is the kind resulting from one party being the master and the other party a servant.”

“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.”

“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.”

“Most people won’t change until the pain of where they are exceeds the pain of change.”

“People were running around buying things they couldn’t afford with money they didn’t have to impress people they didn’t even like.”

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

“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.”

“This is a book about winning.”

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

“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.”

“You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.”

“You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.”

This video takes a deep look into Dave Ramsey’s book ‘The Total Money Makeover’ and how its encourage stories and advise has able to affect this one man’s life to get his financial life back on track. Check out what he has to say and thinks about this novel.

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