Dave Ramsey

We buy things we don't need with money we don't have to impress people we don't like.

The problem with your company is not the economy, it is not the lack of opportunity, it is not your team. The problem is you. That is the bad news. The good news is, if you're the problem, you're also the solution. You're the one person you can change the easiest. You can decide to grow. Grow your abilities, your character, your education, and your capacity. You can decide who you want to be and get about the business of becoming that person.

We have a retirement crisis in America today nor from a lack of money, but from a lack of vision

The love of money, not money, is root of all evil.

While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon.

You've got to tell your money what to do or it will leave.

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.

I believe that through knowledge and discipline, financial peace is possible for all of us.

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.

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.

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.

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.

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.

Live no one else today, so you can live like no else tomorrow

Traction equals satisfaction

The weird thing is that the more efficient, on task, on goal you are with your time, the more energy you have. Working with no traction, or for that matter simply wasting a day, does not relax you, it drains you.//Strange as it may seem, when you work a daily plan in pursuit of your written goals that flow from your mission statement born of your vision for living your dreams, you are energized after a tough long day.

Pray like it all depends on God, but work like it all depends on you.

There's a whole generation growing up thinking...the government exists to care for them.