Delaying gratification or pleasure is a sign of maturity.

sena August 08 2010 9:38 PM

cant believe this one hasnt made it on here!! "debt is dumb, cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbal of choice!" love it try quotin that to peopl their jowls kinda drop!! so funny love ya dave!

sarah July 28 2010 1:12 AM

Those convinced against their will are of the same opinion still.

Will in Texas June 22 2010 11:04 AM

about taxes: "whether you use a gun or a government, taking something again someones will is still theft

Brian May 30 2010 11:30 AM

work is hard, that is why you get paid to do it! - dave ramsey

Misty Gilbert May 28 2010 4:24 PM

"you will NEVER out earn stupidity and a lack of discipline"

Pierre May 03 2010 11:22 PM

I know that I heard Dave say this a few years ago on his Radio Show..."If you want your ship to come in, you have to build it yourself!"

Margaret May 02 2010 6:02 PM

"Don't listen to your broke friends financial advice. They're broke. They're plan isn't working." This quote is written on my wall at work & I look at it knowingly when people attempt giving me their take on money.

Skeemer118 April 26 2010 3:04 PM

One of my favorite Dave quotes: We ought to give the gov't out of business.

Teresa Pierce April 16 2010 2:02 PM

"I've done extensive research & found that 100% of foreclosures are on houses with mortgages." Or something to that effect. LOL

Melanie January 11 2010 12:04 PM

Listening to Dave's show, he told a caller: "Life is hard. But life is REALLY HARD for stupid people". I love listening to you Dave. Keep up the excellent work. Your rewards in heaven will be HUGE.

Candace Bell January 09 2010 9:06 PM

"If two people that are just alike get married one of them is unnecessary!"

Jonnelle January 05 2010 2:53 PM

One of my favorites is when he says "Well WAAAA...Grow UP!!

Gary January 05 2010 12:02 PM

This is a quote I found on some sort of card before I moved to the Seattle Area from Springfield, Missouri 7 years ago. It challenges me to look beyond my current proxemity (Spelling). Imagine your self watching my favorite movieby Tom Hanks--> CASTAWAY when he left the island he lived on for four years by himself never to return there.: If you want to explore new oceans, you must first loose site of the shore.

Chris Witt January 04 2010 8:09 AM

"Employees will tolerate a boss, but will follow a leader". My all time favorite Dave quote.

Monty January 02 2010 7:51 PM

One of my favorites was on his TV show when he was talking about bass fishing. He said that people were like bass, they like anything that's shiny. An to be careful what you chase because you just might catch it! And live a life of regret.

Stephen & Kelsi January 02 2010 11:43 AM

If you shoot for nothing, you will hit it every time. I am teaching my kids to dream. Thanks Dave!

SherriH January 01 2010 7:04 PM

Money must be an important commodity or everyone wouldn't be trying to get yours!

Jim January 01 2010 10:42 AM

Dave explains how the amount of a car payment can grow to a million dollars if invested wisely "Hope you like the car!"

Amanda January 01 2010 1:14 AM

Money flows from those who do not know how to manage it, to those who do.

Dave December 31 2009 10:52 PM

for the good old days when people would stop christmas shopping when they ran out of money.

fred December 31 2009 9:43 PM

Happinessis where you are right now- Dave Ramsey

Kacee December 31 2009 8:49 PM

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

Texas December 31 2009 7:51 PM

I second the "redneck millionaire" comment. Dave's my favorite redneck millionaire!

Rob Steele December 31 2009 2:36 PM

Stop keeping student loans around like they are some kind of pet.

Alex December 31 2009 2:14 PM

Took my 12 year old to Town Hall for Hope. He know thinks Dave is a genious because of the comment about ..first we bailed out stupid then we stimulated (?) stupid.., so many great words of advice. Including when he is advising a desperatley scarded spouse and says "hold each other close and know that the worst thing that can happen is to loose everything. But as long as you have God and each other, even that is not so bad".

Jody McC December 31 2009 2:10 PM

"Give every dollar a name."

EO December 31 2009 12:56 PM

I agree with the previous post about putting these great quotes of Dave's on cards for every day of the year. I would definitely buy that and I would love to have it on my desk at work to look at every day and give me motivation to keep up the gazelle intensity!

Jennifer Anderson December 31 2009 12:04 PM

My favorite Dave comment was "If you want something you've never had, you'll have to do something you've never done." That could mean going back to school, learning new skills, etc. Whatever it takes to get a job in this economy is what we have to do. Right on target, Dave!

Cathy December 31 2009 9:58 AM

"Your daughter is a Travel Agent for Guilt Trips!!"

Sheri December 31 2009 8:36 AM

"If you really want to get out of debt, you've gotta get MAD. You've gotta get wired up and fired up. You've gotta sell so much stuff, the kids think they're next."

Diane Landry December 31 2009 8:33 AM

Some of my favorite quotes are: If you income exceeds your out-go, your up-keep will become your downfall, and another fav of mine is: debt/broke is normal, be weird. Keep up the great work team!!!

Tymikia December 31 2009 7:37 AM

Use it up. Where it out. Make due or do with out.

Debra Williams December 31 2009 6:17 AM

Christmas is not an emergency

margaret thomas December 30 2009 11:56 PM

I worked for Mastercard for 25 years; I just don't get to put it on my resume...Beverly Fowler

beverly December 30 2009 7:48 PM

Dave said "If someone askes me what's in my wallet (referring to a certain credit card company), I tell them CASH!! Because I don't have any credit cards!"

Adrienne December 30 2009 7:32 PM

"Don't worry about the credit card collectors right now; they'll just foam at the mouth and flop on the floor." (Empty threats Credit Card collectors make to very broke people). Excellent visual!

Jason December 30 2009 7:23 PM

"You can't even "pay Attention." (Someone broke AND financially disorganized) That's so clever.

Jason December 30 2009 7:18 PM

"When your outgo exceeds your income, your upkeep will be your downfall." I forget who said this, but it's a favorite that Dave quotes quite often and is one of my favorite quotes ever.

Jennifer December 30 2009 6:50 PM

"Are you a real Christian or do you just go to church?"

Bill December 30 2009 5:16 PM

WAAAAAAAAAAAAAAAAA!! (For those people that call in, that are deep in debt and try to get Dave's approval to buy a new car or a new tv.)

Scott December 30 2009 4:32 PM

If you buy the things you do not need, one day you will need the things you can not buy!!!

Nellie December 30 2009 2:58 PM

Tell your money where to go, or it will leave you

Lisa December 30 2009 2:09 PM

I still dont understand why dave does not talk about sound money the last time we have fiat money in this country was in 1775- it looks like the founders were right when they told us paper money doesnt hold its value longer than 50 years you also never say anything about the face that in 1999 the dow was at 10000 and its at 10000 now but the dollar is worth 40 percent less - or the

Nick Gray December 30 2009 1:27 PM

How could the "NFL bankruptcy" rant be left off this list? "You know how (these NFL players) that happened? THE SAME WAY IT HAPPENS TO YOU!!!" I have kept that episode in my iTunes just to hear that rant. It may have been Dave's best rant ever. A close second goes to any rant that includes a reference to waiting on the government - which we all know is great for its ability to manage money - for people who have not done what they needed to do financially.

Dallon Christensen December 30 2009 1:12 PM

On terminating an ineffective employee, we're assisting in helping him participate in the inevitable!!

Ellen December 30 2009 1:08 PM

"Get up, leave the cave, kill something and drag it home!"

Rich December 30 2009 1:08 PM

CHEETAH!!! RUN!!! (on Gazelle intensity to dump debt)

Mandy December 30 2009 12:54 PM

The credit card is the cigarette of the financial world - Dave Ramsey.

KellyN December 30 2009 12:49 PM

"It's the same advise that your grandparents would tell except I tell you with my teeth in."

MARGARET BOLTON December 30 2009 12:38 PM

Dave's reply to the question,'How are you?', "Better than I deserve."

Carole Strumsky December 30 2009 12:25 PM

My favorite Dave quote is "Better than I deserve." Aren't most of us? God is so giving! Thanks Dave for opening our eyes; your talent, from God.

Renee December 30 2009 12:11 PM

"Stupidity isn't illegal." I try to remember that when I watch my sister make a mess of her life and refuse my advice.

Patti December 30 2009 11:35 AM

When murphy comes to visit, his cousins broke, desperate and stupid always show up. or something like that - love it!

Laura December 30 2009 11:06 AM

"Rice & beans, bean & rice" ... I remind myself every time I'm grocery shopping and tempted by some new treat.

Ten December 30 2009 11:03 AM

"Act your wage" - same as to live within your means.

Leigh Ann Kiraly December 30 2009 10:59 AM

Do not worship at the alter of FICO.

Bob December 30 2009 10:58 AM

"The tide's running out and we're going to find out who's skinny dipping!"

Bryan December 30 2009 10:55 AM

"You can't buy it if you don't have the FREAKIN' money!"

Elizabeth December 30 2009 10:54 AM

I don't know who this is from: Shoot for the moon. Even if you miss, you’ll land among the stars! And one from Dave: Goals are dreams with work clothes on. - Dave Ramsey

Gen December 30 2009 10:47 AM

My favorite quote came from a listener who wrote in and called Dave a "redneck millionaire". I'd rather be a redneck millionaire than a broke socialite.

Treyn00 December 30 2009 10:39 AM

On tightening your budget and cutting out dining at restaurants, Dave says that "you won't see the inside of a restaurant unless you're working there."

Ruth December 30 2009 10:32 AM

"If you're 10 or 50 yrs old, ask yourself 'what do I want to be when I grow up'. If you're not doing it, start a plan/goal to succeed." - Dave Ramsey

Stacy December 30 2009 10:26 AM

I'm positive it's going to rain. Get yourself an umbrella! - Dave on the the importance of an emergency fund.

Vicki December 30 2009 10:25 AM

"When the tide goes out you can tell who was skinny dipping." The financial crisis told us a lot about who was taking on too much risk with debt, especially in real estate.

Tom Messina December 30 2009 10:14 AM

"Fear has left the building!" -Dave Ramsey (Entreleadership Cancun 2009)

Lance Cashion December 30 2009 10:13 AM

Dave should publish these quotes on individual cards (like in a scripture promise box). You pull one out each day for encouragement and motivation. I'd buy.

Tammy Pugliese December 30 2009 10:12 AM

"When you get money, you become more of what you are"

Sarah Johnson December 30 2009 10:12 AM

"FOCUSED INTENSITY over TIME multiplied by GOD equals Unstoppable Momentum." "your only difference between now and ten years from now will be the books you read and the people you meet"

Melissa Balkon December 30 2009 10:05 AM

"Term limits! Term limits! Term limits! Term limits!"

David Millsaps December 30 2009 10:05 AM

After reading the Financial Peace Jr books, my four and six year olds know... There's one place to go when you want money- work!

Cortney December 30 2009 10:02 AM

Credit Cards Wreak

Juli December 30 2009 9:57 AM

"You can't unmilk a cow." The context was a caller in a pretty big mess, but Dave does an excellent job of not beating on them about things that can't be changed. Let's just do what we can with where we are!

Tom Messina December 30 2009 9:54 AM

What ever anyone can be talked into, they can also be talked out of. Tom Murray, founder of TSF

Jackie Kuykendall December 30 2009 9:48 AM

"Better than I deserve"....always appeciate the humbleness in that one!

Mary Sue December 30 2009 9:47 AM

"You can't borrow your way out of debt".

Vera Guthrie December 30 2009 9:47 AM

"Quit worrying about what you look like and start worrying about what you are."

Kim December 30 2009 9:45 AM

"That's just gravy on the biscuit!"

Jim December 30 2009 9:45 AM

Stop spending money like a drunken congressman!

Mike December 30 2009 9:44 AM

"Adults device a plan and follow it, children do what feel good". By Dave Ramsey

christine Muhando December 30 2009 9:37 AM

My Dad sat me down one day and said these words I shall never forget: "Hardship builds character."

John Zahray December 30 2009 7:51 AM

"you can't act like you're in Washington...like a bunch of drunken congressmen" "sell the car, go get yourself a beater"

Chris DuCasse December 29 2009 9:24 PM

(paraphrased) Dave: You're broke! Caller(has a pile of debt including two financed luxury cars): I make 100K a year. Dave: You're broke! When all of your money comes in, goes out, and only the names are changed to protect the innocent- You're broke!

Mike December 29 2009 8:22 PM

2010! Watch out because here I come! Ready! I am going to make it this year.

Ana December 29 2009 7:11 PM

I was a overnight success, after working my butt of for 15 years!

Bret December 29 2009 3:28 PM

Don't go around saying the world owes you a living. The world owes you nothing. It was here first. Mark Twain

James Parish December 29 2009 1:37 PM

If an American is to amount to anything he must rely upon himself, and not upon the State; he must take pride in his own work, instead of sitting idle to envy the luck of others. He must face life with resolute courage, win victory if he can, and accept defeat if he must, without seeking to place on his fellow man a responsibility which is not theirs. Theodore Roosevelt

James Parish December 29 2009 1:34 PM

"Broke can't help poor". Love that quote!

Lee Fernandez December 29 2009 1:11 PM

"Those convinced against their will are of the same opinion still" - Dave Ramsey

Julie December 29 2009 12:55 PM

"There's a great place to go when you're broke: to work!"

josh l December 29 2009 12:07 PM