When your budget won't let you give gifts to everyone in the world—which is always, by the way—who should you give...
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Dave recently asked The Dave Ramsey Show listeners to email him the top phrases and excuses broke people always say. He got a kick out of reading some of this "loser language" on air! Here are some of the best submissions so far:
If I earn interest, I have to pay more taxes.
There's no shame in being poor, just in dressing poorly.
At my age, it's too late anyway.
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Why save money? You can't take it with you when you die!
We're only young once! - Emily in TX
But it's only zero percent interest! - Annette in CT
I'll pay it off next month! - Christy in GA
Old cars just aren't safe. - David in TX
Whatever you want, dear. - John in TN
I'll start my budget next month. - Dominick in OR
It's for the kids. - Melissa in ID
I work hard so I deserve to have it! - Kathy in KS
I'll just keep paying the minimum payment.
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My rich grandparents are going to die soon.
I want my kids to have it better than I did.
It's cheaper to eat out than eat at home.
Always keep a house payment for tax purposes. - Michael in GA
I'll save next year when I'm making more money.
We'll pay it off when the tax return comes in. - Ben in TX
If everyone followed the Dave Ramsey plan, the economy would fail. - Thomas in GA
If you want to be rich, do what rich people do. If you want to be broke, do what broke people do. It's as simple as that.
What do you hear broke people say all the time?