A lower interest rate doesn't make a debt go away. Dave Ramsey More Quotes by Dave Ramsey More Quotes From Dave Ramsey Pray like it all depends on God, but work like it all depends on you. Dave Ramsey dependspraying Money is 80% behavior, 20% head knowledge. It's what you do, not what you know. Dave Ramsey behaviorknows If people in America would get their finances together and start taking care of each other, we could put the government out of business. Dave Ramsey governmentamericapeople More wealth doesn't fix your life. More wealth makes you more of what you already are. Dave Ramsey wealth You must gain control over your money or the lack of it will forever control you. Dave Ramsey savingmoneyforever The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned. Dave Ramsey debtcoursesdecision When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman. Dave Ramsey realheartteacher Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That's a good way to end up broke. We've got to resist the temptation to catch up with our parents in 18 months. Slow down. You have the rest of your life to play catch up. After all, it's just stuff. Dave Ramsey playjobspeople Earning a lot of money is not the key to prosperity. How you handle it is. Dave Ramsey moneykeyssuccess 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 a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments. Dave Ramsey carwould-behouse Investing is important, but get debt-free first. That's what frees up your income so you can win. Dave Ramsey debt-freeimportantwinning You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke. Dave Ramsey differentgoalsound If the US Government was a family—they would be making $58,000 a year, spending $75,000 a year, & are $327,000 in credit card debt. They are currently proposing BIG spending cuts to reduce their spending to $72,000 a year. These are the actual proportions of the federal budget & debt, reduced to a level that we can understand. Dave Ramsey cuttinggovernmentmoney We started in our living room on a card table in our living room, and we have a multi-million dollar company and we know it can be done without borrowing a dime. It takes a while to get it started and to turn the wheel over, but the next time it's easier and the next few hundred times, it's easier than that. Have a budget where you reinvest a percentage of every dollar you earn to grow it. Dave Ramsey dimesdollarscards If you buy a $28,000 car, in four years it will be worth about 11,000 bucks. Dave Ramsey carfouryears Bosses push, Leaders pull. Real leadership is servant leadership. Dave Ramsey bossleaderreal Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich. Dave Ramsey guymirrorswinning Nothing happens without focus. Don't try to do everything at once. Take it one step at a time. Dave Ramsey focusstepstrying When I do something stupid with money and lose it....I call that Stupid Tax. I have paid so much Stupid Tax that I am expert. Dave Ramsey taxesstupidexperts Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His. Dave Ramsey hardwealthhard-work
