A biography for Dave Ramseyhasn’t been written yet.
“Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to do. Most of them don't care about you or your situation as long as they get some money.”
“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.”
“I have to live my books before I write them.”
“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.”
“You have to teach children about money intentionally - create teachable moments.”
“There are no shortcuts when it comes to getting out of debt.”
“We buy things we don't need with money we don't have to impress people we don't like.”
“There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there.”
“A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy.”
“You don't need credit.”
“What your beliefs are about anything creates your actions. What you believe about marriage creates the way you handle your marriage. What you believe about raising kids creates the way you do that.”
“Once I will warn you, and then I will fire you! I have a zero-tolerance-plus-one policy for gossip. I will teach you once, and then I will fire your butt.”
“I have done stupid with a lot of zeros on the end of it. I know what it looks like.”
“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.”
“I really am not a gold fan.”
“Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.”
“I will never be unemployed.”
“You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy.”
“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.”
“If you're able to pay your bills, you pay your bills. It's as simple as that.”