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.”

“I think that anyone who wants to start their own business can, but not any type of business.”

“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.”

“Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.”

“The Bible clearly says that when we have a problem with our brother, we are to go to them and try to resolve the situation.”

“Pay your utilities, gas and other basic needs before paying on your debts.”

“In the neighborhood where I grew up, it was a rough neighborhood - well, not rough, but it certainly wasn't upper class or anything. But I remember hearing things like, 'The little man just can't get ahead.' And if you start to believe that, then you know what? You don't get ahead.”

“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.”

“I like to write books where I get a question on the radio, and I don't have an answer for it.”

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

“If you're doing something like scheduling utility payments to come through your debit card or out of your personal checking account, that's perfectly fine. But there are much safer ways to handle situations with debt collectors. You can send a money order overnight, or wire the cash to them.”

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

“Most of the things we buy are wants. And we call them needs, but they're wants.”

“When we talk about kids earning commission for chores, we always have at least one parent who argues that children should do chores because they are part of the family. I agree, but if you don't involve money in a few chores, you lose the teachable moments in the work, spend, save, and give principles.”

“There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt. It's not going to work.”

“I always laugh and say I met God on the way up, and I got to know him on the way down. And so, as I'm crashing and losing everything, a lot of people run to God when they are struggling. And I was no exception.”

“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.”

“We have a retirement crisis in America today nor from a lack of money, but from a lack of vision”

“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.”

“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.”