Dave Ramsey Quotes
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I will never be unemployed.
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A vacation home is a wonderful 'extra' as you start building wealth. Remember, though, it's still basically a very large, very expensive toy.
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While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon.
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Most of the things we buy are wants. And we call them needs, but they're wants.
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My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table.
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The Bible clearly says that when we have a problem with our brother, we are to go to them and try to resolve the situation.
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Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest.
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There are no shortcuts when it comes to getting out of debt.
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It takes some discipline and hard work, but relying on credit when things go wrong is a trap.
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Trust me, I know, you can make mistakes with money and still raise money-smart kids. You can start a new family tradition of handling money the right way.
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When people get scared, they quit giving.
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When we talk about kids earning commission for chores, we always have at least one parent who argues that children should do chores because they are part of the family. I agree, but if you don't involve money in a few chores, you lose the teachable moments in the work, spend, save, and give principles.
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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.
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I always laugh and say I met God on the way up, and I got to know him on the way down. And so, as I'm crashing and losing everything, a lot of people run to God when they are struggling. And I was no exception.
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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.
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I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access.
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Babies are wonderful, important things. Having kids, even the thought of having kids, is a big emotional deal. But sometimes it can cause people to change their financial plans and directions.
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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.
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What your beliefs are about anything creates your actions. What you believe about marriage creates the way you handle your marriage. What you believe about raising kids creates the way you do that.
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If you're doing something like scheduling utility payments to come through your debit card or out of your personal checking account, that's perfectly fine. But there are much safer ways to handle situations with debt collectors. You can send a money order overnight, or wire the cash to them.
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This is a great time for the 'guerilla marketer.' The days when you used to have to buy expensive TV time and a yellow page ad to get started are gone.
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There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there.
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If you're able to pay your bills, you pay your bills. It's as simple as that.
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Pay your utilities, gas and other basic needs before paying on your debts.