The Total Money Makeover Quotes

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The Total Money Makeover: A Proven Plan for Financial Fitness The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey
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The Total Money Makeover Quotes Showing 1-30 of 128
“We buy things we don't need with money we don't have to impress people we don't like.”
Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness
“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, The Total Money Makeover: A Proven Plan for Financial Fitness
“Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“Years ago, in a motivational seminar by the master, Zig Ziglar, I heard a story about how mediocrity will sneak up on you. The story goes that if you drop a frog into boiling water, he will sense the pain and immediately jump out. However, if you put a frog in room-temperature water, he will swim around happily, and as you gradually turn the water up to boiling, the frog will not sense the change. The frog is lured to his death by gradual change. We can lose our health, our fitness, and our wealth gradually, one day at a time. It might be a cliché, but that’s because it is true: The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“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.”
Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness
“Winning at money is 80 percent behavior and 20 percent head knowledge. 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, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.”
Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness
“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, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“A budget is people telling their money where to go instead of wondering where it went.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“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, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“Aristotle once said, “To avoid criticism say nothing, do nothing, and be nothing.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“Savings without a mission is garbage. Your money needs to work for you, not lie around you.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“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.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“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, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“Most people won’t change until the pain of where they are exceeds the pain of change.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“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, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“one reason to have a Total Money Makeover is to build wealth that allows you to have fun. So have some fun! Taking your family, even the extended ones, on a seven-day cruise, buying large diamonds, or even buying a new car are things you can afford to do when you have millions of dollars. You can afford to do these things because when you do them, your money position is hardly even affected. If you like travel, travel. If you like clothes, buy some. I am releasing you to have some fun with your money, because money is to be enjoyed. That guilt-free enjoyment is one of the three reasons to have a Total Money Makeover.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“If you keep a $495 car payment throughout your life, which is “normal,” you miss the opportunity to save that money. If you invested $495 per month from age twenty-five to age sixty-five, a normal working lifetime, in the average mutual fund averaging 12 percent (the eighty-year stock market average), you would have $5,881,799.14 at age sixty-five. Hope you like the car!”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“Albert Einstein said, “Great spirits have often encountered violent opposition from weak minds.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“We are scaling down” is a painful statement to make to friends or family.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card. We”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“Saving for a down payment or cash purchase of a home should occur after becoming debt-free in Step Two and after finishing the emergency fund in Step Three. That makes saving for a down payment Baby Step Three (b). You should save for the home if you have the itch before moving on to the next step. Many people are worried about getting a home, but please let it be a blessing rather than a curse. It will be a curse if you buy something while you are still broke. There are all sorts of folks who are eager to “work with you” so you can make it happen sooner, but the definition of “Creative Financing” is “Too Broke to Buy a House.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“To avoid criticism say nothing, do nothing, and be nothing.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“A good man leaves an inheritance to his children’s children” (Prov. 13:22 NKJV). I”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“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, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“I have heard it said that if you tell a lie often enough, loudly enough, and long enough, the myth will become accepted as a fact. Repetition, volume, and longevity will twist and turn a myth, or a lie, into a commonly accepted way of doing things. Entire populations have been lulled into the approval of ghastly deeds and even participation in them by gradually moving from the truth to a lie. Throughout history, twisted logic, rationalization, and incremental changes have allowed normally intelligent people to be party to ridiculous things. Propaganda, in particular, has played a big part in allowing these things to happen.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“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.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“If you had saved $20 per week for just ten weeks, you could have bought the scratch-and-dent model off the floor at the same Rent-to-Own store for $200! Or you could have bought a used set out of the classifieds or online. It pays to look past the weekend and suffer through going to the Laundromat with your quarters. When you think short term, you always set yourself up for being ripped off by a predatory lender. If the Red-Faced Kid (“I want it, and I want it now!”) rules your life, you will stay broke!”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness
“My kids, you, and I can have good things happen as a result of our Total Money Makeover only if we have the spiritual character to recognize that wealth is not the answer to life’s questions. We further must recognize that while wealth is very fun, it comes with great responsibility. Another paradox is that wealth will make you more of what you are. Let that one soak in for a minute. If you are a jerk and you become wealthy, you will be king of the jerks. If you are generous and you become wealthy, you will be most generous. If you are kind, wealth will allow you to show kindness in immeasurable ways. If you feel guilty, wealth will ensure that you feel guilty for the rest of your life.”
Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness

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