Dave Ramsey

“As parents, we teach our kids about things we feel competent in. That's why so many parents don't teach their kids about money.”

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

“It takes some discipline and hard work, but relying on credit when things go wrong is a trap.”

“Your FICO score is an "I love debt" score. You're going to pay a bazillion dollars in interest to keep your FICO score up in order to have lower homeowner's and car insurance rates.”

“Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest.”

“Babies are wonderful, important things. Having kids, even the thought of having kids, is a big emotional deal. But sometimes it can cause people to change their financial plans and directions.”

“You've got to tell your money what to do or it will leave.”

“Trust me, I know, you can make mistakes with money and still raise money-smart kids. You can start a new family tradition of handling money the right way.”

“Life will not make allowance for you, but it will pay you what you earn.”

“Would a good friend, a smart friend, encourage you to do something as dishonorable as not pay a bill you're morally and legally obligated to pay? I don't think so.”

“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.”

“As much as I want to help people, I had to accept the fact long ago that being stupid with money isn't illegal.”

“You can't be in debt and win. It doesn't work.”

“I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access.”

“There's always something that needs attention when you own a property.”

“Credit is an 'I love debt' score.”

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

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

“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.”

“To be fair, the collection business does have a few good people in it. But it also has those who will lie and make threats.”