75 Best Dave Ramsey Quotes (Money, Goals, Success)

Dave Ramsey Quotes

Dave Ramsey is an American personal finance expert and radio show host, known for his advice on debt reduction and financial management. He is the host of “The Dave Ramsey Show,” a radio program that focuses on personal finance issues, and the author of several best-selling books on finance, including “The Total Money Makeover.”

Ramsey’s approach to personal finance emphasizes the importance of living below one’s means, paying off debt, and saving for the future. He is a proponent of the “envelope system” of budgeting, in which cash is allocated to specific spending categories and placed in envelopes to help people stay on track with their spending.

Dave Ramsey Quotes About Money

Winning at money is 80 percent behavior and 20 percent head knowledge.
  1. “Winning at money is 80 percent behavior and 20 percent head knowledge.” – Dave Ramsey

2. “Pray like it all depends on God, but work like it all depends on you.” – Dave Ramsey

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

4. “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

Your greatest asset is your paycheck.

5. “Your greatest asset is your paycheck.” – Dave Ramsey

6. “Money is like a beautiful thoroughbred horse-—very powerful and always in action. But unless this horse is trained when very young, it will be an out-of-control and dangerous animal when it grows to maturity.” – Dave Ramsey

Someone who never has fun with money misses the point.

7. “Someone who never has fun with money misses the point.”– Dave Ramsey

8. “I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.”– Dave Ramsey

9. “People will not buy from you if they don’t trust you, your product, and your company.” – Dave Ramsey

If you wouldn’t want your mother to buy the item or the service then don’t sell it.

10. “If you wouldn’t want your mother to buy the item or the service then don’t sell it.” – Dave Ramsey

Dave Ramsey Quotes On Debt

Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.
  1. “Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.” – Dave Ramsey

2. “The number one problem that causes student loan debt? Parents that suck.” – Dave Ramsey

3. “If you will live like no one else, later you can live like no one else.”– Dave Ramsey

4. “Act your wage.”– Dave Ramsey

Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.

5. “Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.” – Dave Ramsey

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

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

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

8. “There’s a whole generation growing up thinking…the government exists to care for them.”– Dave Ramsey

9. “Savings without a mission is garbage. Your money needs to work for you, not lie around you.”– 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.

10. “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

Dave Ramsey Quotes About Goals

  1. “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
I think that anyone who wants to start their own business can, but not any type of business.

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

3. “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

4. “No one accidently wins.” – Dave Ramsey

Work is doing it, discipline is doing it every day, diligence is doing it well every day.

5. “Work is doing it, discipline is doing it every day, diligence is doing it well every day.” – Dave Ramsey

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

If you will live like no one else, later you can live like no one else.

7. “If you will live like no one else, later you can live like no one else.” – Dave Ramsey

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

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

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

Work is a sure-fire money-making scheme.

11. “Work is a sure-fire money-making scheme.” – Dave Ramsey

Dave Ramsey Quotes About Credit Cards

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

2. “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

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

Dave Ramsey Quotes

4. “You can’t get out of debt while keeping the same lifestyle what got you there.” – Dave Ramsey

5. “Here’s the problem, we don’t like change. Human beings don’t like change, we tend to do the same thing over and over and over again. Some people work in a job, that they’ve been with 15 years and they hate every day of it, and the only reason they don’t change is because they don’t like change.” – Dave Ramsey

You are where you are right now financially as a sum total of the decisions you’ve made to this point.

6. “You are where you are right now financially as a sum total of the decisions you’ve made to this point.” – Dave Ramsey

7. “Ignorance is not okay. ‘What you don’t know won’t hurt you.’ is a really stupid statement. What you don’t know will kill you.” – Dave Ramsey

8. “Ignorance is not lack of intelligence; it is lack of know how.” – Dave Ramsey

You can get anywhere if you simply go one step at a time.

9. “You can get anywhere if you simply go one step at a time.” – Dave Ramsey

Dave Ramsey Leadership Quotes

Henry Ford said, “Those who never make mistakes work for those of us who do.
  1. “Henry Ford said, “Those who never make mistakes work for those of us who do.”– Dave Ramsey

2. “If you as a leader allow people to halfway do their jobs and don’t demand excellence as a prerequisite to keeping their job, you will create a culture of mediocrity.”– Dave Ramsey

One reason people make bad decisions is they don’t have a good decision as one of their options.

3. “One reason people make bad decisions is they don’t have a good decision as one of their options.”– Dave Ramsey

4. “I finally realized that results are generated by activities. If I manage my activities then the results I want occur.”– Dave Ramsey

You must sell benefits, not products.

5. “You must sell benefits, not products.”– Dave Ramsey

6. “Humpty Dumpty is hard to put back together, and so is trust.”– Dave Ramsey

7. “People will not buy from you if they don’t trust you, your product, and your company.”– Dave Ramsey

If you wouldn’t want your mother to buy the item or the service then don’t sell it.

8. “If you wouldn’t want your mother to buy the item or the service then don’t sell it.”– Dave Ramsey

Dave Ramsey Inspirational Quotes

If you want something you’ve never had, you’ll have to do something you’ve never done.
  1. “If you want something you’ve never had, you’ll have to do something you’ve never done.” – Dave Ramsey

2. “Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, vision cleared, ambition inspired, and success achieved.” – Dave Ramsey

Never stop learning. Never stop growing. You can become a master at any subject.

3. “Never stop learning. Never stop growing. You can become a master at any subject.” – Dave Ramsey

4. “It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.” – Dave Ramsey

5. “The enemy of “the best” is not “the worst”. The enemy of “the best” is “just fine“.” – Dave Ramsey

To make more money, you have to plan to make more money. Some people’s problem is income, not spending.

6. “To make more money, you have to plan to make more money. Some people’s problem is income, not spending.” – Dave Ramsey

7. “Know where you are weak, and take action to make sure you don’t fall prey to the weakness.” – Dave Ramsey

Living on less than you make is a matter of controlling yourself, not a matter of math.

8. “Living on less than you make is a matter of controlling yourself, not a matter of math.” – Dave Ramsey

9. “Savings without a mission is garbage. Your money needs to work for you, not lie around.” – Dave Ramsey

10. “Fear is the enemy of hope.” – Dave Ramsey

Having children doesn’t make you a good parent, it means you had sex. That’s all.

11. “Having children doesn’t make you a good parent, it means you had sex. That’s all.”– Dave Ramsey

Dave Ramsey Books

Dave Ramsey has written several books on personal finance and debt management. Some of his most popular books include:

  1. “The Total Money Makeover”: This book is a step-by-step guide to help people get out of debt and build wealth. It focuses on strategies for paying off debt, saving for the future, and investing for long-term financial success.
  2. “Financial Peace”: This book provides practical advice for managing money and achieving financial stability. It covers topics such as budgeting, saving, investing, and getting out of debt.
  3. “The Legacy Journey”: This book focuses on building wealth and leaving a legacy for future generations. It covers topics such as saving for retirement, investing in real estate, and charitable giving.
  4. “Smart Money Smart Kids”: This book, co-written with Ramsey’s daughter Rachel Cruze, is aimed at helping parents teach their children about money management and financial responsibility. It covers topics such as budgeting, saving, and giving.
  5. “The Complete Guide to Money”: This book is a comprehensive guide to personal finance, covering a wide range of topics including budgeting, saving, investing, and managing debt. It also includes practical advice for building wealth and achieving financial security.

Dave Ramsey Podcast

Dave Ramsey started on one station in Nashville back in 1992, sharing practical answers to life’s financial questions. Today, the podcast has 18 million weekly listeners. He has also written eight bestselling books. The Ramsey show has remained consistent over these years as he shares his financial wisdom.