Who the heck is Dave Ramsey?

David Lawrence Ramsey III s an American radio show host and businessman. He is known for his personal finance books 'Smart Money Smart Kids' and 'The Total Money Makeover'.

Books by Dave Ramsey

Quotes by Dave Ramsey

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

Dave Ramsey The Total Money Makeover

“A 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.”

Dave Ramsey The Total Money Makeover

“Act your wage.”

Dave Ramsey

“Broke people giving financial advice is like a shop teacher with missing fingers.”

Dave Ramsey

“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.”

Dave Ramsey The Total Money Makeover

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

Dave Ramsey Smart Money Smart Kids

“Content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.”

Dave Ramsey Smart Money Smart Kids

“Debt is normal! So why be normal?”

Dave Ramsey

“Diligence = disciplined excellence over time.”

Dave Ramsey

“Fear is the enemy of hope.”

Dave Ramsey

“Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this.”

Dave Ramsey

“Get in Total Attack Mode. All you have to do is execute, execute, execute now. If your friends that are broke aren’t making fun of you, then you are not on track. If your family says, “Look, they’ve joined a cult!” then you are right on track.”

Dave Ramsey

“Having children doesn’t make you a good parent, it means you had sex. That’s all.”

Dave Ramsey EntreLeadership

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

Dave Ramsey

“If broke people are making fun of your financial plan, you’re on track.”

Dave Ramsey

“If you as a leader allow people to halfway do their jobs and don’t demand excellence as a prerequisite to keeping their job, you will create a culture of mediocrity.”

Dave Ramsey EntreLeadership

“If you don’t own the goal and it doesn’t come from your dream, then you won’t have the toughness to persevere when the going gets tough. Everyone who wins must push through obstacles, lots of them. Big goals require big backbone. Wimps need not apply.”

Dave Ramsey EntreLeadership

“If you drop a frog into boiling water, he will sense the pain and immediately jump out. However, if you put a frog in room-temperature water, he will swim around happily, and as you gradually turn the water up to boiling, the frog will not sense the change. The frog is lured to his death by gradual change.
We can lose our health, our fitness, and our wealth gradually, one day at a time. It might be a cliché, but that’s because it is true: The enemy of 'the best' is not 'the worst'. The enemy of 'the best' is 'just fine'.”

Dave Ramsey The Total Money Makeover

“If you want something you’ve never had, you’ll have to do something you’ve never done.”

Dave Ramsey

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

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.”

Dave Ramsey The Total Money Makeover

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

Dave Ramsey EntreLeadership

“Personal finance isn’t rocket science. It’s just common sense. It’s how your grandparents lived. If you don’t have the money, you can’t buy it!”

Dave Ramsey

“Poor is a state of mind. Broke is, “I’m just passing through.”

Dave Ramsey

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

Dave Ramsey The Total Money Makeover

“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.”

Dave Ramsey The Total Money Makeover

“Stupid is not illegal.”

Dave Ramsey

“Success is a pile of failure that you are standing on.”

Dave Ramsey

“That stupid saying “What you don’t know can’t hurt you” is ridiculous. What you don’t know can kill you. If you don’t know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear – but that doesn’t mean you won’t get killed.”

Dave Ramsey Financial Peace Revisited

“The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth-building tool, but the truth is that the lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower-income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out.”

Dave Ramsey The Total Money Makeover

“The problem with your company is not the economy, it is not the lack of opportunity, it is not your team. The problem is you. That is the bad news. The good news is, if you're the problem, you're also the solution. You're the one person you can change the easiest. You can decide to grow. Grow your abilities, your character, your education, and your capacity. You can decide who you want to be and get about the business of becoming that person.”

Dave Ramsey EntreLeadership

“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.”

Dave Ramsey EntreLeadership

“The written goal is the breakfast of champions. You just can’t do big things without making your goals specific, measurable, yours, with a time limit, and in writing.”

Dave Ramsey EntreLeadership

“There's a whole generation growing up thinking the government exists to care for them.”

Dave Ramsey

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

Dave Ramsey The Total Money Makeover

“We want it all, and we can borrow to get it all, before we can afford it all.”

Dave Ramsey Fin

“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.”

Dave Ramsey The Total Money Makeover

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

Dave Ramsey

“You can’t work three hours a week and make $100,000. Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality!”

Dave Ramsey

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

Dave Ramsey

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

Dave Ramsey

“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 normal is broke.”

Dave Ramsey The Total Money Makeover

“You wanna blow money? Put it in a “blow” category in your budget. But at least admit it on paper!”

Dave Ramsey

“Your budget must balance! You are not Congress!”

Dave Ramsey