Welcome to our collection of inspirational quotes by Dave Ramsey, a renowned financial expert, author, and radio personality. Throughout his career, Dave Ramsey has empowered millions with his practical advice on personal finance, debt management, and wealth building. His straightforward approach and no-nonsense attitude have resonated with individuals seeking financial freedom and stability.
Dave Ramsey is best known for his common-sense principles outlined in his best-selling books, such as The Total Money Makeover and Financial Peace. He emphasizes the importance of living within one’s means, avoiding debt, and investing wisely for the future. With his signature catchphrase, Live like no one else, so later you can live like no one else, Ramsey encourages individuals to make sacrifices in the present for a better tomorrow.
Below, you’ll find a curated selection of Dave Ramsey’s most impactful quotes, presented for your inspiration and reflection. Feel free to use them to motivate yourself, share with others, or even create visually appealing images to keep his wisdom at the forefront of your financial journey.
Your FICO score is an I love debt score. You’re going to pay a bazillion dollars in interest to keep your FICO score up in order to have lower homeowner’s and car insurance rates. Dave Ramsey
I have to live my books before I write them. Dave Ramsey
Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me. Dave Ramsey
Credit is an ‘I love debt’ score. Dave Ramsey
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. Dave Ramsey
If you’re able to pay your bills, you pay your bills. It’s as simple as that. Dave Ramsey
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. Dave Ramsey
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. Dave Ramsey
Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest. Dave Ramsey
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. Dave Ramsey
There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt. It’s not going to work. Dave Ramsey
You need some quick wins in order to stay pumped enough to get out of debt completely. Dave Ramsey
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. Dave Ramsey
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. Dave Ramsey
You’ve got to tell your money what to do or it will leave. Dave Ramsey
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. Dave Ramsey
People are in such a hurry to launch their product or business that they seldom look at marketing from a bird’s eye view and they don’t create a systematic plan. Dave Ramsey
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. Dave Ramsey
Most of the things we buy are wants. And we call them needs, but they’re wants. Dave Ramsey
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. Dave Ramsey
I really am not a gold fan. Dave Ramsey
You have to teach children about money intentionally – create teachable moments. Dave Ramsey
There’s always something that needs attention when you own a property. Dave Ramsey
I’ve seen numerous situations where collectors have taken more than the agreed-upon amount from someone’s account once they gained access. Dave Ramsey
It takes some discipline and hard work, but relying on credit when things go wrong is a trap. Dave Ramsey
As much as I want to help people, I had to accept the fact long ago that being stupid with money isn’t illegal. Dave Ramsey
I have done stupid with a lot of zeros on the end of it. I know what it looks like. Dave Ramsey
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. Dave Ramsey
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. Dave Ramsey
I believe that through knowledge and discipline, financial peace is possible for all of us. Dave Ramsey
Once I will warn you, and then I will fire you! I have a zero-tolerance-plus-one policy for gossip. I will teach you once, and then I will fire your butt. Dave Ramsey
There are no shortcuts when it comes to getting out of debt. Dave Ramsey
I like to write books where I get a question on the radio, and I don’t have an answer for it. Dave Ramsey
A vacation home is a wonderful ‘extra’ as you start building wealth. Remember, though, it’s still basically a very large, very expensive toy. Dave Ramsey
Life will not make allowance for you, but it will pay you what you earn. Dave Ramsey
There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there. Dave Ramsey
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. Dave Ramsey
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. Dave Ramsey
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. Dave Ramsey
My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table. Dave Ramsey
When people get scared, they quit giving. Dave Ramsey
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. Dave Ramsey
You don’t need credit. Dave Ramsey
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. Dave Ramsey
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. Dave Ramsey
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. Dave Ramsey
Pay your utilities, gas and other basic needs before paying on your debts. Dave Ramsey
Debt collectors like to play on your emotions because they think you’ll give in and do something you can’t really afford to do. Most of them don’t care about you or your situation as long as they get some money. Dave Ramsey
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. Dave Ramsey
My children were taught at an early age how money works and that it comes from hard work. They’ve been on a commission – not an allowance – since they were little. They learned that if they worked around the house, they got paid. If they didn’t work, they didn’t get paid. Dave Ramsey
I think that anyone who wants to start their own business can, but not any type of business. Dave Ramsey
You can’t be in debt and win. It doesn’t work. Dave Ramsey
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. Dave Ramsey
While I encourage people to save 100% down for a home, a mortgage is the one debt that I don’t frown upon. Dave Ramsey
I will never be unemployed. Dave Ramsey
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. Dave Ramsey
To be fair, the collection business does have a few good people in it. But it also has those who will lie and make threats. Dave Ramsey
I’ve got a young man who works for me who says you don’t need to discover your dreams – you need to recover them. Dave Ramsey
You never cash out a 401(k) or IRA to pay off debt, unless it’s to avoid a foreclosure or bankruptcy. Dave Ramsey
