The reality is that Murphy doesn’t visit as much, but when he does, we hardly notice his presence. When Sharon and I were broke, our heating-and-air system quit, and the repair cost $580. It was a huge, hairy deal. Recently I had a new $570 water heater installed because the old one started leaking, and I hardly noticed. I wonder if the stress relief that your Total Money Makeover provides will allow you to live longer?

— Dave Ramsey

Dave Ramsey Quotes

To avoid criticism say nothing, do nothing, and be nothing.” I can’t help millions of people change their lives by saying nothing, doing nothing, and being nothing.

— Dave Ramsey

If you want to be skinny, study skinny people, and if you want to be rich, do what lots of rich people do, not what some mythsayer says to do.

— Dave Ramsey

Businesses and entrepreneurs have become experts at microwaving rather than Crock-Potting their business plan. They are so worried about the moment, Q1 or Q2, that they lose their vision and their soul. They trade real, rich, abiding, deep success for the momentary win and then are constantly having to start over. Have a long-term vision and execute it. As the billionaire advised me, slow and steady wins the race.

— Dave Ramsey

The accountability of a group environment causes people to change their behaviors.

— Dave Ramsey

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

Debt has been sold to us so aggressively, so loudly, and so often that to imagine living without debt requires myth-busting.

— Dave Ramsey

Retirement in America has come to mean “save enough money so I can quit the job I hate.

— Dave Ramsey

Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.

— Dave Ramsey

Financial Peace Jr.

— Dave Ramsey

Only if you mix knowledge with attitude, character, perseverance, vision, diligence, and extreme levels of work will your college degree produce for you.

— Dave Ramsey

Over the long term you get what you deserve, and none of us like it when what we deserve is pain.

— Dave Ramsey

The other huge qualifier is that I used the principles I teach to personally build wealth. My wife and I have truly lived this book. The things we teach are not theory – they work!

— Dave Ramsey

Passion is so key in leading and creating excellence that I will hire passion over education and talent every time.

— Dave Ramsey

You can control the controllables.

— Dave Ramsey

Your largest wealth-building asset is your income. When you tie up your income, you lose. When you invest your income, you become wealthy and can do anything you want.

— Dave Ramsey

There is no such thing as good debt. The credit card is the cigarette of the financial world. The borrower is always a slave to the lender.

— Dave Ramsey

No matter how blessed or distressed you are financially, your first priority every month is to cover what I call the Four Walls. Think of it as the four walls that hold your house together. They are food, shelter, clothing, and transportation. If you have food in your belly, a roof over your head, clothes on your back, and a way to get to work tomorrow, you’ll live to fight another day.

— Dave Ramsey

Zig Ziglar says, “If you aim at nothing, you’ll hit it every time.” I love how Zig cuts right to the heart of the matter. If you don’t have a target, if you don’t have a goal in mind, then you’ll never get where you want to go. Most people take a “Ready-Fire-Aim” approach to budgeting. They get the money, spend the money, and then wonder why they don’t have any money. It’s crazy!

— Dave Ramsey

Goals Must Have a Time Limit Goals without a time limit are unable to be broken down into micro goals to measure your progress, to observe your traction. You might say, “I want to write a book.” Great, when? In twenty years? In twenty months? If you don’t put a deadline on the goal it will never happen and you will get to eat the bitter fruit of regret.

— Dave Ramsey

We enjoy earning interest now, rather than paying it.

— Dave Ramsey
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