101 Dave Ramsey Quotes About Money And Debt Inspiring Sayings From Dave Ramsey

From harsh truths about your current spending habits to smart quotes about how to become a millionaire, these 100 motivational quotes from Dave Ramsey will help you learn how to improve your financial status fast. So whether you’re looking for realistic tips on how to save more money or need help figuring out how to start paying off your debt, this big list of 100 inspiring Dave Ramsey quotes can motivate you to take charge of your finances and change your spending habits—so you can work toward achieving real, tangible wealth in the very near future.

1. “Pray like it all depends on God, but work like it all depends on you.” — Dave Ramsey
2. “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
3. “Winning at money is 80 percent behavior and 20 percent head knowledge.” — Dave Ramsey
4. “Your greatest asset is your paycheck.” — Dave Ramsey
5. “Someone who never has fun with money misses the point.” — Dave Ramsey
6. “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
7. “People will not buy from you if they don’t trust you, your product, and your company.” — Dave Ramsey
8. “If you wouldn’t want your mother to buy the item or the service then don’t sell it.” — Dave Ramsey
9. “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
10. “Fun can be bought with money, but happiness cannot.” — Dave Ramsey
11. “If you will do the things others won’t do then some day you will have the life others won’t have.” — Dave Ramsey
12. “We are being taught by everything around us to have dessert before dinner. Now we are paying for our lack of knowledge and discipline.” — Dave Ramsey
13. “If you’re married, agree on the budget with your spouse. This one sentence requires a stand-alone book to describe how, but the bottom line is this: if you aren’t working together, it is almost impossible to win. Once the budget is agreed on and is in writing, pinky-swear and spit-shake that you will never do anything with money that is not on that paper. The paper is the boss of the money, and you are the boss of what goes on the paper, but you have to stick to the budget, or it’s just an elaborate theory.” — Dave Ramsey
14. “The number one problem that causes student loan debt? Parents that suck.” — Dave Ramsey
15. “A budget is telling your money where to go instead of wondering where it went.” — Dave Ramsey
16. “Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.” — Dave Ramsey
17. “Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.” — Dave Ramsey
18. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” — Dave Ramsey
19. “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
20. “Doing a budget means learning an ancient and powerful word: no.” — Dave Ramsey 21. “Act your wage.” — Dave Ramsey
21. “Knock out a small debt first so you get a quick win. Momentum is key.” — Dave Ramsey
22. “A typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.” — Dave Ramsey
23. “Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt.” — Dave Ramsey
24. “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
25. “Parents who let teens run around with unearned adult freedoms are naive and stupid.” — Dave Ramsey
26. “There are no shortcuts when it comes to getting out of debt.” — Dave Ramsey
27. “You can’t work three hours a week and make $100,000.” — Dave Ramsey
28. “You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately!” — Dave Ramsey
29. “Measure your wealth not by the things you have, but by the things for which you would not take money.” — Dave Ramsey
30. “Savings without a mission is garbage.” — Dave Ramsey
31. “The German root word for ‘debt’ is the same as for ‘guilt.’” — Dave Ramsey
32. “The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth-building tool, but the truth is that the lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower-income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out.” — Dave Ramsey
33. “So content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.” — Dave Ramsey
34. “Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.” — Dave Ramsey
35. “I believe that through knowledge and discipline, financial peace is possible for all of us.” — Dave Ramsey
36. “Humpty Dumpty is hard to put back together—and so is trust.” — Dave Ramsey
37. “No one wins the Super Bowl accidentally. Be intentional. Be Passionate. Don’t mail it in! You got this!” — Dave Ramsey
38. “Dreaming is a sign you have hope.” — Dave Ramsey
39. “Life is not a snapshot, it’s a filmstrip.” — Dave Ramsey
40. “If you invest $464 in a good mutual fund every month from age thirty to age seventy, you’ll end up with more than $5 million.” — Dave Ramsey
41. “The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account.” — Dave Ramsey
42. “I like the way I’ve built wealth better than the way you haven’t.” — Dave Ramsey
43. “The love of money, not money, is root of all evil.” — Dave Ramsey
44. “If I loan money to a friend or relative, the relationship will be strained or destroyed. The only relationship that would be enhanced is the kind resulting from one party being the master and the other party a servant.” — Dave Ramsey
45. “Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.” — Dave Ramsey
46. “I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.” — Dave Ramsey
47. “A good man leaves an inheritance to his children’s children.” — Dave Ramsey
48. “I do recommend that most people sell the car with the most debt on it. A good rule of thumb on items (except the house) is this: if you can’t be debt-free on it (not counting the home) in eighteen to twenty months, sell it. If you have a car or a boat that you can’t pay off in eighteen to twenty months, sell it. It is just a car; dynamite the logjam! I used to love my car, too, but I found keeping that huge debt while trying to get out of debt was like running a race wearing ankle weights. Get a Total Money Makeover, so later you can drive anything you want and pay cash for it. When it comes to that debt-ridden item, you may have to make the decision to live like no one else; but remember, later you will be living, or driving, like no one else.” — Dave Ramsey
49. “There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.” — Dave Ramsey
50. “The good thing about principles is that they make life easy. I have heard it said that when someone bases his life on principle, 99 percent of his decisions are already made.”— Dave Ramsey
51. “The accountability of a group environment causes people to change their behaviors.” — Dave Ramsey
52. “A little bit of controlled pain when you’re six will change your life when you’re thirty-six.” — Dave Ramsey
53. “If you will do the things others won’t do, then some day, you will have the life others won’t have.” — Dave Ramsey
54. “Twist and wring out the budget, work extra hours, sell something, or have a garage sale, but quickly get your $1,000. Most of you should hit this step in less than a month. If it looks as though it is going to take longer, do something radical. Deliver pizzas, work part-time, or sell something else. Get crazy. You are way too close to the edge of falling over a major money cliff here. Remember, if the Joneses (all the broke people) think you are cool, you are heading the wrong way. If they think you are crazy, you are probably on track.” — Dave Ramsey
55. “Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.” — Dave Ramsey
56. “I suggest a Money Market account with no penalties and full check-writing privileges for your emergency fund. — Dave Ramsey
57. “We have a retirement crisis in America today not from a lack of money, but from a lack of vision.” — Dave Ramsey
58. “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
59. “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.” — Dave Ramsey
60. “Earning a lot of money is not the key to prosperity. How you handle it is.” — Dave Ramsey
61. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.” — Dave Ramsey
62. “Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.” — Dave Ramsey
63. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” — Dave Ramsey
64. “You have the clean canvas of a whole week before you. Paint well.” — Dave Ramsey
65. “Live like no one else, so later you can live like no one else.” — Dave Ramsey
66. “Money is 80% behavior, 20% head knowledge. It’s what you do, not what you know.” — Dave Ramsey 68. “If you help enough people, you don’t have to worry about money.”— Dave Ramsey
67. “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
68. “Goals are visions and dreams with work clothes on.” — Dave Ramsey
69. “Where you are today is the sum of every choice you’ve ever made. If you don’t like where you are, start making different choices!” — Dave Ramsey
70. “Debt gives you the ability to look like you’re winning when you’re not.” — Dave Ramsey
71. “The average millionaire can’t tell you who got thrown off the island last night.” — Dave Ramsey
72. “The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.” — Dave Ramsey
73. “Making mistakes and learning from them is crucial to winning.” — Dave Ramsey
74. “There’s not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.” — Dave Ramsey
75. “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.” — Dave Ramsey
76. “The first step in taking control of your money is to stop borrowing money. Start using cash today.” — Dave Ramsey
77. “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.” — Dave Ramsey
78. “We learned early on that if we help enough people, the money will come.” — Dave Ramsey
79. “You will either learn to manage money, or the lack of it will manage you.” — Dave Ramsey
80. “No one got rich on a government program. Do not choose to be a common man. You can be uncommon.” — Dave Ramsey
81. “A lower interest rate doesn’t make a debt go away.” — Dave Ramsey
82. “Work is a surefire money-making scheme.” — Dave Ramsey
83. “I would not pre-pay. I would invest instead and let the investments cover it.” — Dave Ramsey
84. “There’s a great place to go when you’re broke—to work!” — Dave Ramsey
85. “Your priorities, passions, goals, and fears are shown clearly in the flow of your money.” — Dave Ramsey
86. “Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.” — Dave Ramsey
87. “Debt is dumb. Cash is king.” — Dave Ramsey
88. “Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality!” — Dave Ramsey
89. “Your money needs to work for you, not lie around you.” — Dave Ramsey
90. “Work—get paid; don’t work—don’t get paid. Everybody is on commission.” — Dave Ramsey
91. “Broke people giving financial advice is like a shop teacher with missing fingers.” — Dave Ramsey
92. “Rich isn’t an amount of money, it’s a mindset about how you live. If you believe you can win, you can.” — Dave Ramsey
93. “Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren’t the exception.” — Dave Ramsey 96. “Stupid is not illegal.” — Dave Ramsey
94. “Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It’s just as important as life insurance.” — Dave Ramsey
95. “The goal is to not be normal, because as my radio listeners know, normal is broke.” — Dave Ramsey
96. “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.” — Dave Ramsey
97. “Someone who never invests money will never have any.” — Dave Ramsey
98. “MYTH: Car payments are a way of life; you’ll always have one. TRUTH: Staying away from car payments by driving reliable used cars is what the average millionaire does; that is how he or she became a millionaire.” — Dave Ramsey Find out how you can make successful retirement plans as a millennial—shocker, it is possible!