Dave Ramsey Quotes

Who is Dave Ramsey?

David Lawrence Ramsey III is an American radio show host, businessman and author.

He is known for his personal finance books 'Smart Money Smart Kids' and 'The Total Money Makeover'.

Born September 3, 1960
Age 62 years old

Books by Dave Ramsey

Best 50 Quotes by Dave Ramsey – Page 1 of 2


“Act your wage.”

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

“Debt is normal! So why be normal?”

“Diligence = disciplined excellence over time.”

“Fear is the enemy of hope.”

“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.”

“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.”

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

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

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

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

“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!”

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

“Stupid is not illegal.”

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

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

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“How can well-educated, high-income people be so naive about money? Because being a well-educated, high-income earner does not automatically translate into financial independence. It takes planning and sacrificing.”

The Millionaire Next Door

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

“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!”

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

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

EntreLeadership Quotes

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


“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.”


“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.”


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


“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.”


“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.”


Products by Dave Ramsey

“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.”


Fin Quotes

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


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“Recognize we’ve been scripted in ways that are not in harmony with our deep inner conscience.”

First Things First

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