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.

I have to live my books before I write them.

When people get scared, they quit giving.

I will never be unemployed.

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.

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.

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.

You don't need credit.

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.

My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table.

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.

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.

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.

Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest.

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.

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.

I like to write books where I get a question on the radio, and I don't have an answer for it.

I really am not a gold fan.

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.

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.