144+ Best Dave Ramsey Quotes: Exclusive Selection

David Lawrence Ramsey III is an American radio show host, author and businessman. Profoundly inspirational Dave Ramsey quotes will encourage you to think a little deeper than you usually would and broaden your perspective.

Famous Dave Ramsey Quotes

I have to live my books before I write them. – Dave Ramsey

My children were taught at an early age how money works and that it comes from hard work. They’ve been on a commission – not an allowance – since they were little. They learned that if they worked around the house, they got paid. If they didn’t work, they didn’t get paid. – Dave Ramsey

Pray like it all depends on God but work like it all depends on you. – Dave Ramsey

It’s never too late to turn things around. You are the only obstacle. – Dave Ramsey

Your greatest asset is your paycheck. Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It’s just as important as life insurance. – Dave Ramsey

Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His. – Dave Ramsey

Surround yourself with people who add the fuel of advice and encouragement to your fire. – Dave Ramsey

Outrageous generosity is a character quality of people who win with money. – Dave Ramsey

Adults devise a plan and follow it, children do what feels good. – Dave Ramsey

Financial winners don’t run sprints, they run marathons. They don’t rush. They do it step by step over time. – Dave Ramsey

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

One definition of maturity is learning to delay pleasure. – Dave Ramsey

Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better. – Dave Ramsey

I’m not against people having new cars. I’m against them having you. We spend a tremendous amount impressing somebody at the stoplight who we’ll never meet. It makes you broke and keeps you broke. – Dave Ramsey

If you aren’t really careful, ‘The Good Enough’ can become the enemy of ‘The Best.’ – Dave Ramsey

A budget is telling your money where to go instead of wondering where it went. – Dave Ramsey

There’s not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life. – Dave Ramsey

The world will try to tell you that you need stuff to be somebody. Don’t listen – Dave Ramsey

Debt is normal. Be weird. – 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

When we’re dealing with money in relationships, when we’re dealing with money in our personal lives, when we’re dealing with money in our families, the flow of money in a family represents the value system under which that family operates. – Dave Ramsey

The paid-off home mortgage has taken the place of the BMW as the status symbol of choice. – Dave Ramsey

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 get anywhere if you simply go one step at a time. – Dave Ramsey

Fear is the enemy of hope. – Dave Ramsey

Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase. – Dave Ramsey

I think the lie we’ve told people in the marketplace is that a degree gets you a job. A degree doesn’t get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful. – Dave Ramsey

I would not pre-pay. I would invest instead and let the investments cover it. – Dave Ramsey

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. – Dave Ramsey

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

I’m a Christian. Years ago, I went broke, so I decided to run every part of my life according to the Bible. It sounds hokey, but it works. You run your marriage that way, and it works. It will work with business, too, and finances. Treat people like you want to be treated. – Dave Ramsey

You don’t build wealth with credit card rewards and airline miles. You can’t beat the credit card companies at their own game. – Dave Ramsey

After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it. – Dave Ramsey

Every person falls down at some point. Successful people choose to get back up! – Dave Ramsey

When you’re trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive. – Dave Ramsey

Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user. – Dave Ramsey

Debt gives you the ability to look like you’re winning when you’re not. – Dave Ramsey

Knock out a small debt first so you get a quick win. Momentum is key. – Dave Ramsey

Remember, there’s ultimately only one way to financial peace, and that’s to walk daily with the Prince of Peace, Christ Jesus. – Dave Ramsey

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. – Dave Ramsey

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

Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give. – Dave Ramsey

If you will make the sacrifices now that most people aren’t willing to make, later on you will be able to live as those folks will never be able to live. – Dave Ramsey

If you buy a $28,000 car, in four years it will be worth about 11,000 bucks. – 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 as my radio listeners know, normal is broke. – Dave Ramsey

We started in our living room on a card table in our living room, and we have a multi-million-dollar company and we know it can be done without borrowing a dime. It takes a while to get it started and to turn the wheel over, but the next time it’s easier and the next few hundred times, it’s easier than that. Have a budget where you reinvest a percentage of every dollar you earn to grow it. – Dave Ramsey

There’s a great place to go when you’re broke–to work! – Dave Ramsey

Success is a pile of failure that you are standing on. – Dave Ramsey

Making mistakes and learning from them is crucial to winning. – Dave Ramsey

Money is 80% behavior, 20% head knowledge. It’s what you do, not what you know. – Dave Ramsey

If people in America would get their finances together and start taking care of each other, we could put the government out of business. – Dave Ramsey

You must gain control over your money or the lack of it will forever control you. – Dave Ramsey

Leading a family is the hardest job a man can ever have. – Dave Ramsey

The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned. – Dave Ramsey

Earning a lot of money is not the key to prosperity. How you handle it is. – Dave Ramsey

When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman. – Dave Ramsey

Financial Security is not enough money to buy toys. That is to learn to live with less money than you earn. So, you can help other individuals or investors. You are not a winner until done it – Dave Ramsey

You’ve got to tell your money what to do or it will leave. – Dave Ramsey

More wealth doesn’t fix your life. More wealth makes you more of what you already are. – Dave Ramsey

Those who don’t manage their money will always work for those who do – Dave Ramsey

Investing is important but get debt-free first. That’s what frees up your income so you can win. – Dave Ramsey

Gratitude is really, really attractive. A child who is genuinely grateful makes you want to do anything for her, and that is true of adults as well. – Dave Ramsey

Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That’s a good way to end up broke. We’ve got to resist the temptation to catch up with our parents in 18 months. Slow down. You have the rest of your life to play catch up. After all, it’s just stuff. – 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

Bosses push, Leaders pull. Real leadership is servant leadership. – Dave Ramsey

Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren’t the exception. – Dave Ramsey

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

If the US Government was a family—they would be making $58,000 a year, spending $75,000 a year, & are $327,000 in credit card debt. They are currently proposing BIG spending cuts to reduce their spending to $72,000 a year. These are the actual proportions of the federal budget & debt, reduced to a level that we can understand. – Dave Ramsey

How you handle or mishandle your money tells us who you are and, more important, it tells YOU who you are. Your priorities, passions, goals, and fears are shown clearly in the flow of your money. Your value system, or lack of one causes money to flow around you, passed you, or to you. When money is in your possession, what you do with it screams loudly who you are. – Dave Ramsey

Rich isn’t an amount of money, it’s a mindset about how you live. If you believe you can win, you can. – Dave Ramsey

True leadership is servanthood. Put the interests of others at the center of your decisions. – 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

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

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

You can’t be in debt and win. It doesn’t work. – Dave Ramsey

Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully. – 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

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. – Dave Ramsey

You’re not a bad parent if you don’t save for your kid’s college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called ‘work’ while they’re in school. – Dave Ramsey

You have to teach children about money intentionally – create teachable moments. – Dave Ramsey

My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table. – Dave Ramsey

You never cash out a 401(k) or IRA to pay off debt, unless it’s to avoid a foreclosure or bankruptcy. – Dave Ramsey

I think that anyone who wants to start their own business can, but not any type of business. – Dave Ramsey

Most of the things we buy are wants. And we call them needs, but they’re wants. – Dave Ramsey

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

I have done stupid with a lot of zeros on the end of it. I know what it looks like. – Dave Ramsey

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

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

Anytime you open a business, you have to be effective in promoting whether it’s a franchise or not. You’ll need to learn to be a Web marketer extraordinaire. There’s plenty of material out there. – Dave Ramsey

The only reason to go into business is to make money. You have to work hard at it. If you’re not passionate about it, you’ll burn out so fast that it is incredible. – Dave Ramsey

I can’t tell you how many home businesses are almost in bankruptcy court over a Yellow Pages ad only to find out that the Yellow Pages ad isn’t where their market will look for them, and it cost more than they thought. – Dave Ramsey

Instead of just purchasing an ad campaign, target test and measure. Give an ad a small try. If the response is enough to pay for the ad, make it larger. With a franchise, ask the most successful franchisees what they did. Ask the bottom five guys what they did and avoid it. – Dave Ramsey

What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it. – Dave Ramsey

Great talent stands in line to join your team because the culture becomes the stuff of legend. – Dave Ramsey

Where you are today is the sum of every choice you’ve ever made. If you don’t like where you are, start making different choices! – Dave Ramsey

Just keep taking the next step and keep having excellence in the ordinary. – Dave Ramsey

When people get scared, they quit giving. – Dave Ramsey

Work-get paid; don’t work-don’t get paid. Everybody is on commission – Dave Ramsey

Leadership responsibility: If you own a biz, you’re the head of the org. Good or bad, your company will LOOK and ACT like you do. – Dave Ramsey

If your life is bad because of an elected official, then you don’t have a life. – Dave Ramsey

Everyone has some natural talent or aptitude in one or more areas. If you can identify those areas you not only will be happier and perform more successfully in that role, but you will also become better paid for that. Our free-market system pays for performance at some point. When you have a natural talent or aptitude, coupled with desire and experience, the result is productivity plus. – Dave Ramsey

As you will it, so shall it be. – Dave Ramsey

You must learn to control your money, or to the permanent deprivation control you – Dave Ramsey

You have the clean canvas of a whole week before you. Paint well. – Dave Ramsey

If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning. – Dave Ramsey

Being willing to delay pleasure for a greater result is a sign of maturity. – Dave Ramsey

The first step in taking control of your money is to stop borrowing money. Start using cash today. – Dave Ramsey

Opening your hands will set you free… – Dave Ramsey

Be intense, passionate, and fired up, but about things that matter, things that change your life and your legacy. – Dave Ramsey

Be an evangelist with your excellence. – Dave Ramsey

Enabling is the enemy of motivation. – Dave Ramsey

Broke is normal. Why be normal? – Dave Ramsey

Christmas is about giving. Be outrageously generous. Have fun, enjoy the process….then keep it up all year. – Dave Ramsey

Teaching kids about money is never just about money. – Dave Ramsey

Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals. – Dave Ramsey

Term Life Insurance is the only insurance I recommend. It’s the least expensive way to get the coverage your family needs and allows you to lock in rates for 15, 20 or 30 years. Zander’s online quoting system will help you find the most competitive options. It’s more affordable than you think! – Dave Ramsey

You will either learn to manage money, or the lack of it will manage you. – Dave Ramsey

When leadership set the goals by themselves, they are not goals, they are quotas. – Dave Ramsey

A good financial planner is going to do more than pick your funds. – Dave Ramsey

You’re not exempt from math if you’re a Republican, and you’re not exempt from math if you’re a Democrat. You’re not exempt from math if you’re a liberal, and you’re not exempt from math if you’re a conservative. You still have to do math. – Dave Ramsey

You wanna blow money? Put it in a ‘blow’ category in your budget. But at least admit it on paper! – Dave Ramsey

You cannot lead without passion. Passion causes things to move, and passion creates a force multiplier. Passion actually covers a multitude of sins. Real EntreLeaders care deeply, and that is basically what passion is. Passion is not yelling or being wild; it is simply caring deeply. – Dave Ramsey

Thinking about starting a small business? Assume everything will cost twice as much and take twice as long as you think it will. – Dave Ramsey

Credit is an ‘I love debt’ score. – Dave Ramsey

Stupid is not illegal. – Dave Ramsey

At the end of the day we are not selling, we are serving. – Dave Ramsey

A lower interest rate doesn’t make a debt go away. – Dave Ramsey

Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt. – Dave Ramsey

Work is doing it. Discipline is doing it every day. Diligence is doing it well every day. – Dave Ramsey

A big part of being strong financially is that you know where you are weak and take action to make sure you don’t fall prey to the weakness. And we ALL are weak – Dave Ramsey

Do not let your life, ministry or organization go faster than your resources. – Dave Ramsey

Contentment is both the fruit and the tree. – Dave Ramsey

We live in a culture full of hares; but the tortoise always wins. – Dave Ramsey

Be very proud of what you do, and if you aren’t then change it. – Dave Ramsey

You will only sacrifice when you passionately believe in the outcome. – Dave Ramsey

Debt has become a part of who we are. – Dave Ramsey

We learned early on that if we help enough people, the money will come. – Dave Ramsey

If you come with mercy but not justice; that’s called enabling. – Dave Ramsey

Share Your Opinion

This site uses Akismet to reduce spam. Learn how your comment data is processed.