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

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

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

5. “Debt is normal. Be weird.”

6. “Bosses push, leaders pull. Real leadership is servant leadership.”

7. “We buy things we don’t need with money we don’t have to impress people we don’t like.”

8. “Nothing happens without . Don’t try to do everything at once. Take it one step at a time.”

9. “Adults devise a plan and follow it, children do what feels good.”

10. “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.”

11. “If you wouldn’t want to buy the item or the service, then don’t sell it.”

12. “Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.”

13. “Parents who let teens run around with unearned adult freedoms are naive and stupid.”

14. “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.”

15. “The number one problem that causes student loan debt? Parents that suck.”

16. “A little bit of controlled pain when you’re six will change your life when you’re thirty-six.”

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

18. “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% of his decisions are already made.”

19. “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.”

20. “Fun can be bought with money, but happiness cannot.”

21. “Measure your wealth not by the things you have, but by the things for which you would not take money.”

22. “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. It’s not going to work.”

23. “Most of the things we buy are wants. And we call them needs, but they’re wants.”

24. “There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.”

25. “A natural saver is great until he never spends and is tight-fisted with giving. A natural spending is great until she finds herself deeply in debt and unable to give. A natural giver is great until there are no savings when a problem arises and there is no personal enjoyment of money.”

26. “You must sell benefits, not products.”

27. “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.”

28. “The lottery—or gambling of any kind—offers false hope, not a ticket out.”

29. “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.”

30. “You never cash out a 401(k) or IRA to pay off debt, unless it’s to avoid a foreclosure or bankruptcy.”

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

32. “You must plan your work and then work your plan.”

33. “We are being taught by everything around us to have dessert before dinner. Now we are paying for our lack of knowledge and discipline.”

34. “I like the way I’ve built wealth better than the way you haven’t.”

35. “I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.”

36. “A year of intense exercise and watching what you eat will likely change the trajectory of your life physically. You will melt away fat, tone up muscle, feel better, and change your habits—likely for life. But only ten days of that exercise program won’t move the needle on the scale. To create big-time success, you have to stay focused and stay intense over an extended period of time.”

37. “Saving must become a priority, not just a thought. Pay yourself first.”

38. “If you will do the things others won’t do, then some day you will have the life others won’t have.”

39. “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.”

40. “The enemy of ‘the best’ is not ‘the worst.’ The enemy of ‘the best’ is ‘just fine.’”

41. “Seth Godin says, ‘Instead of wondering when your next vacation is, maybe you should set up a life you don’t need to escape from.’”

42. “Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life.”

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

44. “The weird thing is that the more efficient, on task, on goal you are with your time, the more energy you have.”

45. “If you’re the problem, you’re also the solution. You’re the one person you can change the easiest. You can decide to grow. Grow your abilities, your character, your education, and your capacity. You can decide who you want to be and get about the business of becoming that person.”

46. “I finally realized that results are generated by activities. If I manage my activities, then the results I want occur.”

47. “You should always be dreaming. Dreaming is a sign you have hope.”

48. “You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.”

49. “The lottery is a tax on poor people and on people who can’t do math.”

50. “People will not buy from you if they don’t you, your product, and your company.”

51. “The love of money, not money, is the root of all evil.”

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


53. “Humpty Dumpty is hard to put back together—and so is trust.”

54. “Big goals require a big backbone—wimps need not apply.”

55. “Strange as it may seem, when you work a daily plan in pursuit of your written goals that flow from your mission statement born of your vision for living your dreams, you are energized after a tough long day.”

56. “Live like no else today, so you can live like no else tomorrow.”

57. “A man with an experience is not at the mercy of a man with an opinion.”

58. “Working with no traction, or for that matter simply wasting a day, does not relax you—it drains you.”

59. “A good man leaves an inheritance to his children’s children.”

60. “The German root word for ‘debt’ is the same as for ‘guilt.’”

61. “If you don’t own the goal and it doesn’t come from your dream, then you won’t have the toughness to persevere when the going gets tough.”

62. “I will promise you that the going will get tough. There is never an exception—everyone who wins must push through obstacles, lots of them.”

63. “ said, ‘Great spirits have often encountered violent opposition from weak minds.’”

64. “To avoid criticism, say nothing, do nothing, and be nothing.”


65. “Hope is steel covered in velvet. It can seem soft and cuddly, but hope is at the core of what makes people become what God designed them to be. Hope and its sister, faith, always create action.”

66. “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.”

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

68. “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 home pay. That is the most you should ever borrow.”

69. “Those who work for those of us who do.”

70. “Being willing to delay pleasure for a greater result is a sign of maturity.”

71. “It’s never too late to turn things around. You are the only obstacle.”

72. “There’s a great place to go when you’re broke—to work!”

73. “Success is a pile of failure that you are standing on.”

74. “Every person falls down at some point. Successful people choose to get back up!”

Note: Don’t forget to

75. “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.”

76. “If you will make the sacrifices now that most people aren’t willing to make, later on, you will be able to live as those folks will never be able to live.”

77. “You can’t work three hours a week and make $100,000. Getting rich quickly doesn’t work. Crock pot mentality always defeats microwave mentality!”

78. “Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt.”

79. “Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.”

80. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.”

81. “Winning at money is 80% behavior and 20% head knowledge.”

82. “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.”

83. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.”

84. “There are no shortcuts when it comes to getting out of debt.”

85. “The first step in taking control of your money is to stop borrowing money. Start using cash today.”

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

87. “Your greatest asset is your paycheck. 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.”

88. “Thinking about starting a small business? Assume everything will cost twice as much and take twice as long as you think it will.”

89. “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! The goal is to not be normal, because as my radio listeners know, normal is broke.”

90. “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.”

91. “Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.”

92. “Again, college is important—very important—but it is not the answer to all your kids’ problems.”


93. “We have a retirement crisis in America today not from a lack of money, but from a lack of vision.”

94. “Requiring nothing of a child gives them no opportunity for failure or success.”

95. “Life is not a snapshot, it’s a filmstrip.”

96. “I will be so bold as to say college isn’t even a need; it is a want. It isn’t a necessity; it is a luxury. This luxury is one of the first on my list, but not before retirement, not before an emergency fund, and certainly not as a reason to go into debt.”

97. “We want it all, and we can borrow to get it all, before we can afford it all.”

98. “If you keep doing the same things, you will keep getting the same results. You are where you are now financially as a sum total of the decisions you’ve made to this point.”

99. “‘We are scaling down’ is a painful statement to make to friends or family.”

100. “Remember, there’s ultimately only one way to financial peace, and that’s to walk daily with the Prince of Peace, Christ Jesus.”

101. “You will only sacrifice when you passionately believe in the outcome.”

102. “Change is painful. Few people have the courage to seek out change.”

103. “Just keep taking the next step and keep having excellence in the ordinary.”

104. “Gratitude is really, really attractive. A child who is genuinely grateful makes you want to do anything for her, and that is true of adults as well.”

105. “You have the clean canvas of a whole week before you. Paint well.”

106. “Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.”

107. “I believe that through knowledge and discipline, financial peace is possible for all of us.”

108. “Wealth comes from hard work but not because of hard work. . Everything is His.”

109. “Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.”

110. “Those who don’t manage their money will always work for those who do.”

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

112. “The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.”

113. “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!”

114. “Investing is important, but get debt-free first. That’s what frees up your income so you can win.”

115. “Earning a lot of money is not the key to prosperity. How you handle it is.”

116. “Doing a budget means learning an ancient and powerful word—no.”

117. “You don’t build wealth with credit card rewards and airline miles. You can’t beat the credit card companies at their own game.”

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

119. “That stupid saying, ‘What you don’t know can’t hurt you’ is ridiculous. What you don’t know can kill you.”

120. “Act your wage.”

121. “Fear is the enemy of hope.”

122. “Broke is normal. Why be normal?”

123. “Credit is an ‘I love debt’ score.”

124. “We live in a culture full of hares; but the tortoise always wins.”

125. “As you will it, so shall it be.”

126. “One definition of maturity is learning to delay pleasure.”

127. “Stupid is not illegal.”

128. “Momentum is key.”

129. “Goals convert vision into energy.”

130. “ is servanthood. Put the interests of others at the center of your decisions.”

131. “Delegation requires the willingness to pay for short term failures in order to gain long term competency.”

132. “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.”

133. “Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!”

134. “ is a character quality of people who win with money.”

135. “At the end of the day, we are not selling, we are serving.”

136. “Teaching kids about money is never just about money.”

137. “If your life is bad because of an elected official, then you don’t have a life.”

138. “I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I also realized that if I could learn to manage the character I shaved every morning, I would win with money.”

139. “Be intense, passionate, and fired up about things that matter—things that change your life and your legacy.”

140. “Broke people giving financial advice is like a shop teacher with missing fingers.”

141. “Knock out a small debt first so you get a quick win.”

142. “Poor is a state of mind. Broke is, ‘I’m just passing through.’”

143. “Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That’s a good way to end up broke. We’ve got to resist the temptation to catch up with our parents in 18 months.”

144. “You wanna blow money? Put it in a ‘blow’ category in your budget. But at least admit it on paper!”

145. “Debt has become a part of who we are.”

146. “I can’t tell you how many home businesses are almost in bankruptcy court over a Yellow Pages ad only to find out that the Yellow Pages ad isn’t where their market will look for them, and it cost more than they thought.”

147. “A lower interest rate doesn’t make a debt go away.”

148. “The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.”

149. “Debt gives you the ability to look like you’re winning when you’re not.”

150. “We learned early on that if we help enough people, the money will come.”

151. “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.”

152. “Slow down. You have the rest of your life to play catch up. After all, it’s just stuff.”

153. “No one got rich on a government program. Do not choose to be a common man. You can be uncommon.”

154. “Work—get paid; don’t work—don’t get paid. Everybody is on commission.”


155. “There’s not a party, a congressman, a senator elected that will fix your life. You have to fix your life.”

156. “We’ve really got to stop looking to Washington to fix our problems. It obviously doesn’t have the ability to do that. People who are successful are not successful because of the president.”

157. “Rich isn’t an amount of money, it’s a about how you live. If you believe you can win, you can.”

158. “The world will try to tell you that you need stuff to be somebody. Don’t listen.”

159. “You have to teach children about money intentionally—create teachable moments.”

160. “Be an evangelist with your excellence.”

161. “Leading a family is the hardest job a man can ever have.”

162. “Higher calling matters. When you care so deeply about the why—why you’re doing what you’re doing—then and only then are you operating in a way that allows you to overcome the obstacles.”

163. “When leadership sets goals by themselves, they are not goals, they are quotas.”

164. “Opening your hands will set you free.”

165. “Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.”

166. “You cannot lead without passion. Passion causes things to move, and passion creates a force multiplier. Passion actually covers a multitude of sins.”

167. “Passion is not yelling or being wild; it is simply caring deeply.”

168. “Goals are visions and dreams with work clothes on.”

169. “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.”

170. “I would not pre-pay. I would invest instead and let the investments cover it.”

171. “Financial Security is not enough money to buy toys—that is to learn to live with less money than you earn.”

172. “A good financial planner is going to do more than pick your funds.”

173. “If people in America would get their finances together and start taking care of each other, we could put the government out of business.”

174. “Work is a surefire money-making scheme.”

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

176. “More wealth doesn’t fix your life. More wealth makes you more of what you already are.”

177. “Financial winners don’t run sprints, they run marathons. They don’t rush. They do it step by step over time.”

178. “Save 3 to 6 months of expenses in a Rainy Day fund. Know why? ‘Cause it is going to rain, and you aren’t the exception.”

179. “A big part of being strong financially is that you know where you are weak and take action to make sure you don’t fall prey to the weakness, and we are all weak.”

180. “When you create a basic budget and stick to it, it will suddenly seem like you have more money.”

181. “The only reason to go into business is to make money. You have to work hard at it. If you’re not passionate about it, you’ll burn out so fast that it is incredible.”

182. “When we’re dealing with money in relationships, when we’re dealing with money in our personal lives, when we’re dealing with money in our families, the flow of money in a family represents the value system under which that family operates.”

183. “If you buy a $28,000 car, in four years it will be worth about 11,000 bucks.”

184. “After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it.”

185. “The average millionaire can’t tell you who got thrown off the island last night.”

186. “Do not let your life, ministry, or organization go faster than your resources.”

187. “What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it.”

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

189. “Money is finite. There is not an infinite supply. That’s something a lot of people have trouble remembering these days.”

190. “When people get scared, they quit giving.”

191. “If you help enough people, you don’t have to worry about money.”

192. “Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals.”

193. “Making mistakes and learning from them is crucial to winning.”

194. “Leadership responsibility—if you own a biz, you’re the head of the org. Good or bad, your company will look and act like you do.”

195. “If you come with mercy but not justice, that’s called enabling.”

196. “Most people won’t change until the pain of where they are exceeds the pain of change.”

197. “It is human nature to want it and want it now; it is also a sign of immaturity.”

Note: Check out .

198. “No one wins the Super Bowl accidentally. Be intentional, be passionate. Don’t mail it in! You got this!”

199. “My used to say, ‘Those convinced against their will are of the same opinion still.’”

200. “I have to live my books before I write them.”

201. “Surround yourself with people who add the fuel of advice and to your fire.”

202. “Ideas are a dime a dozen. People who execute them are not.”

203. “Be very proud of what you do, and if you aren’t, then change it.”

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

205. “A man with an experience is not at the mercy of a man with an opinion.”

206. “Your priorities, passions, goals, and fears are shown clearly in the flow of your money.”

207. “When you’re trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive.”

208. “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.”

209. “Contentment is both the fruit and the tree.”

210. “Great talent stands in line to join your team because the culture becomes the stuff of legend.”

Now more than ever, the world is struggling with managing wealth—some even struggling to stay afloat.

The pandemic has affected us all in many aspects of our lives, may it be physically, mentally, emotionally and of course, financially.

This is why Dave Ramsey’s ideals are as important as ever. He teaches us about different aspects of wealth and earning money.

However, what tops the list is that we need to free ourselves from debt, make sure we live within our means, and always save for a rainy day.

What’s so good about is he doesn’t get too technical.

By using simple and straightforward words and scenarios, he helps us better understand the key message he’s trying to send across: that we should all be smart when it comes to handling our finances.

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