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. However, our culture teaches us to live for the now. “I want it!” we scream, and we can get it, if we are […]

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

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

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

I don’t want to walk across hot coals because it is fun, but if I can be shown how a short, painful walk will do away with the lifetime of worry, frustration, stress, and fear that being constantly broke brings me, then bring on the hot coals.
— Dave Ramsey, Total Money Makeover

Don’t take financial advice from broke people.
— Dave Ramsey, Total Money Makeover (Revised 2007)

We have all experienced loaning someone money and finding an immediate distancing in the relationship. … We don’t control how debt affects relationships; debt does that independently of what we want.  The borrower is servant to the lender, and you change the spiritual dynamic of relationships when you loan loved ones money.
— Dave Ramsey, Total Money […]

If the Red-Raced Kid (”I want it, and I want it now!”) rules your life, you will stay broke.
— Dave Ramsey, The Total Money Makeover

Debt has been sold to us so aggressively, so loudly, and so often that to imagine living without debt requires myth-busting. Debt is so ingrained into our culture that most Americans can’t even envision a car without a payment … a house without a mortgage … a student without a loan … and credit without […]

Winning at money is 80 percent behavior and 20 percent head knowledge. Most of us know what to do, but we just don’t do it.
— Dave Ramsey, Total Money Makeover

Get in Total Attack Mode. All you have to do is execute, execute, execute now.  If your friends that are broke aren’t making fun of you, then you are not on track.  If your family says, “Look, they’ve joined a cult!” then you are right on track.
— Dave Ramsey, from his syndicated radio program, 2006-11-24

We consumers have become a nation of servants to financial institutions.  We used to joke that a bank was where you could borrow money if you could prove you didn’t need it.  Now, with the advent of aggressive credit marketing strategies, we can borrow even when we shouldn’t be allowed to.  We are sold credit in […]

We have discussed how the strengths and weaknesses in your life will affect your personal finances, but we cannot leave that subject without dealing with one of life’s dirtiest words — discipline.  You will have conflict, worry, shortages, and general lack of fun until you achieve some discipline in the handling of your funds.  I […]

To think that the handling of your personal finances is merely a matter of math control is naive.  You must get better control of all aspects of your life.  Until you do, [even the best advice] will have little effect but will instead be neutralized by the other habits in your life.
— Dave Ramsey, Financial […]

We must develop a power over purchase — instead of allowing our purchases and the people from whom we make the purchases to have power over us. We must remember that we can always spend more than we make. I once met a man whose annual income in one year increased from $42,000 to $175,000. […]