Dave Ramsey
Success is a pile of failure that you are standing on.Collection: Moving On
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.Collection: Jobs
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.Collection: Passion
The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.Collection: Taken
Doing a budget means learning an ancient and powerful word: NO.Collection: Powerful
Debt gives you the ability to look like you’re winning when you’re not.Collection: Winning
Leading a family is the hardest job a man can ever have.Collection: Jobs
Remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus.Collection: Jesus
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.Collection: Winning
Broke people giving financial advice is like a shop teacher with missing fingers.Collection: Funny
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.Collection: Positive
You will only sacrifice when you passionately believe in the outcome.Collection: Believe
Teaching kids about money is never just about money.Collection: Teaching
Knock out a small debt first so you get a quick win. Momentum is key.Collection: Winning
Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.Collection: Powerful
If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don't owe anyone an apology for winning.Collection: Perseverance
If you buy a $28,000 car, in four years it will be worth about 11,000 bucks.Collection: Years
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.Collection: Natural Talent
You don't build wealth with credit card rewards and airline miles. You can't beat the credit card companies at their own game.Collection: Games
When I do something stupid with money and lose it....I call that Stupid Tax. I have paid so much Stupid Tax that I am expert.Collection: Stupid
A good financial planner is going to do more than pick your funds.Collection: Financial
Opening your hands will set you free.Collection: Hands
Delegation requires the willingness to pay for short term failures in order to gain long term competency.Collection: Order
If your life is bad because of an elected official, then you don't have a life.Collection: Life Is
Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.Collection: Dysfunction
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 weakCollection: Strong
Be an evangelist with your excellence.Collection: Excellence
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.Collection: Needs
Higher calling matters. When you care so deeply about the why-why you're doing what you're doing-then and only then are you operating in a way that allows you to overcome the obstacles.Collection: Overcoming
Money... is like a beautiful thoroughbred horse - very powerful & always in action, but unless this horse is trained when very young, it will be an out-of-control & dangerous animal when it grows to maturity.Collection: Beautiful
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.Collection: Hard Work
Christmas is about giving. Be outrageously generous. Have fun, enjoy the process....then keep it up all year.Collection: Fun
Stupid is not illegal.Collection: Stupid
Just keep taking the next step and keep having excellence in the ordinary.Collection: Excellence
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.Collection: Responsibility
You must learn to control your money, or to the permanent deprivation control youCollection: Deprivation
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.Collection: Successful
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.Collection: Home
The creature comforts we tend to rationalize as "business expenses I can write off."Collection: Writing
What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it.Collection: Done
Work - get paid; don't work - don't get paid. Everybody is on commission, .. Try not coming to work for six weeks. Work gets paid; don't work, don't get paid. When they earn those dollars, and when you're 4, and you clean up your room, it really means mom cleaned up the room and you did two toys. When you're 14, it means you cleaned up your room. But still, we got the money caused by work, and then, we have teachable moments on how to handle the money they earn.Collection: Mom
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.Collection: Math
When leadership set the goals by themselves, they are not goals, they are quotas.Collection: Goal
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.Collection: Hurt
Debt has become a part of who we are.Collection: Money
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!Collection: Thinking
You wanna blow money? Put it in a 'blow' category in your budget. But at least admit it on paper!Collection: Blow
Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.Collection: Focus
If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.Collection: Perseverance