Dave Ramsey Quotes
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You have to teach children about money intentionally - create teachable moments.
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There are no shortcuts when it comes to getting out of debt.
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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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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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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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If you're able to pay your bills, you pay your bills. It's as simple as that.
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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.
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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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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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Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.
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Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.
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In the neighborhood where I grew up, it was a rough neighborhood - well, not rough, but it certainly wasn't upper class or anything. But I remember hearing things like, 'The little man just can't get ahead.' And if you start to believe that, then you know what? You don't get ahead.
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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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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.
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We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products.
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Would a good friend, a smart friend, encourage you to do something as dishonorable as not pay a bill you're morally and legally obligated to pay? I don't think so.
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You've got to tell your money what to do or it will leave.
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You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities.
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You need some quick wins in order to stay pumped enough to get out of debt completely.
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You're not a bad parent if you don't save for your kid's college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called 'work' while they're in school.
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Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully.
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The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.
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I have to live my books before I write them.