Dave Ramsey's Complete Guide To Money Quotes

“the most important key to building wealth is becoming and remaining debt-free.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“Author and counselor Dennis Rainey of FamilyLife explains that women are traditionally more verbal than men. I’ve heard him say men usually speak about 10,000–20,000 words a day, while women speak 30,000–50,000 words per day—with gusts up to 125,000! That’s why a lot of guys come home from a busy day at work, hit the sofa, and don’t say a word. They can’t. They’ve already used up their quota.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“the emergency fund is not an investment; it’s insurance—and insurance costs you money.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“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, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“investments are like manure. Left in one pile, it starts to stink. But when you spread it around, it grows things. I bet your financial guy never laid it out like that!”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“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, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“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, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“Parents, you need to understand something: someone is going to teach your kids about money. It will either be you, or it will be a shady car dealer, a credit card pusher on your child’s first day at college, a get-rich-quick infomercial pitchman, or just some clown who’s after their money. If you want to protect your kids, you need to send them out into the world with some knowledge.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“We don’t always like change, do we? Sometimes, we’re like a baby sitting in a poopy diaper. We think, Sure it stinks, but it’s warm and it’s mine! We get defensive of our mess even if it’s not working. So when I tell people the first thing they need to do is put $1,000 in the bank and not touch it, it can be a deal-breaker. It requires you to look in the mirror and say, “You’re the problem.” When you do that emotionally, you’ll start to win with money.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“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.” Business is way too hard to work at something just for money.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“The concepts are simple, but that doesn’t mean the process is easy. It’s not. That’s because money is not just about math; it’s about behavior. Personal finance is only 20 percent head knowledge. The other 80 percent—the bulk of the issue—is behavior. And it’s our behaviors with money that can get us into the biggest trouble or lead us into the biggest successes. Behavior is the key to the whole deal, and we’ll unpack how that plays out through all these different areas as we work through this book.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“The accountability of a group environment causes people to change their behaviors.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“You can see that I’ve heard all the excuses and complaints, but here’s the deal: budgeting is crucial to your success. Your income is your responsibility. If you get to retirement with a mountain of debt and nothing to live on, it’s no one else’s fault. But beyond the obvious financial benefits to taking control of your money, there are a ton of other reasons to pull out the budget forms every month.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“A budget is just telling your money where to go, instead of wondering where it went.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University

“tell people not to be scared to put conditions on a financial gift. You could give them money only if they agree to go through Financial Peace University. You could give them a copy of this book or another one of my books, The Total Money Makeover, and “pay” them to write you a book report. You could require that they submit three monthly budgets to you as you continue to help them through a transitional time. If they accuse you of butting in, just remind them that they are ASKING you to butt in by giving them money. If they want your help, they need to take all of your help, not just your money. Third, I remind people that they can only help others if they have the cash on hand themselves. Never cosign a loan to “help” someone else, and never loan money to a friend or relative. That just keeps them in debt longer, strains the relationship, and keeps the cycle of destruction going.”
― Dave Ramsey, Dave Ramsey's Complete Guide To Money: The Handbook of Financial Peace University