Clarity about your money is essential.  You need to know where it’s going before you can even begin to make effective changes.  That may sound obvious, but it’s not.  Beyond the rent and a close guess on utilities, most people in debt can not tell you how much they spend each month, or on what.
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Think about it:  Your life, behind closed doors, can totally suck.  It can be a major train wreck, yet you will get up in the morning and instead of working on your mind and your heart for even five minutes, you will obsess around for two hours, focusing totally on your appearance instead of your […]

I want you to realize that whether all of this takes a week, a month, or a year, that precious and limited time is going to pass whether you are doing something about your life or not.  I promise you that at this precise moment next year, your life will be better or worse than […]

If broke people are making fun of your financial plan, you’re on track.
— Dave Ramsey, Radio Show, 2007-06-08

Learning is, after all, not whether we lose the game, but how we lose and how we’ve changed because of it and what we take away from it that we never had before to apply to other games.  Losing, in a curious way, is winning.
— Richard Bach

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 ALL are weak.
— Dave Ramsey, Total Money Makeover

Do you ever get the sense that you don’t have time to deal with the secondary things, because you have to deal with so many consistently demanding fires and crises? Well, guess where most of those fires and crises come from? Correct — from secondary things that were ignored because of all the fires and […]

Wealth, like a tree, grows from a tiny seed.  The first copper you save is the seed from which your tree of wealth shall grow.  The sooner you plant that seed the sooner shall the tree grow.  And the more faithfully you nourish and water that tree with consistent savings, the sooner may you bask […]

My financial life began turning around when I took responsibility for it.
— Dave Ramsey, Total Money Makeover