43 Dave Ramsey Quotes For Financial Success

“We buy things we don’t need with money we don’t have to impress people we don’t like.”

Dave Ramsey quotes from “The Total Money Makeover: A Proven Plan for Financial Fitness”
We buy things we don't need with money we don't have to impress people we don't like
We buy things we don’t need with money we don’t have to impress people we don’t like

If you’re looking for some sound financial advice, you need to check out Dave Ramsey’s quotes. Dave Ramsey is a popular personal finance guru who offers advice on how to get out of debt and save money. His book titled “The Total Money Makeover” is one of the tops of The New York Times Best Seller list. This book is packed with topics that are very helpful for beginners. It’s a great book to help you get out of debt and save money. 

Dave Ramsey was born on September 3, 1960, in Nashville, Tennessee, the U.S. He earned a Bachelor of Science degree in Finance and Real Estate from the University of Tennessee, Knoxville. 

Dave Ramsey is a famous personal finance guru who offers advice on how to get out of debt and save money. In this post, Quotesgeeks will share some of Dave Ramsey’s quotes about goals, debt,  credit cards, money, leadership, investing, and more.

After reading this post you will learn a lot about Dave Ramsey and the techniques for achieving your goals. So let’s continue…..

Table Of Contents:

Dave Ramsey Quotes About Money:

“A budget is telling your money where to go instead of wondering where it went.”

– Dave Ramsey
A budget is telling your money where to go instead of wondering where it went
A budget is telling your money where to go instead of wondering where it went

Dave Ramsey is a famous author and financial advisor who has spoken about money extensively. He has written several books, including “The Total Money Makeover” and “Dave Ramsey’s Complete Guide to Money”. Ramsey discussed how money affects our lives and the economy.

Dave Ramsey is a commentator on Money and has written extensively on the topic. Dave Ramsey has many quotes about money that will help you learn about the importance of money and how it affects our lives. Here are some of the best quotes from Dave Ramsey’s books and essays on money.

01.

You must gain control over your money or the lack of it will forever control you.

Dave Ramsey

02.

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, The Total Money Makeover

03.

Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.

Dave Ramsey

04.

Savings without a mission is garbage. Your money needs to work for you, not lie around you.

Dave Ramsey

05.

Measure your wealth not by the things you have, but by the things for which you would not take money.

Dave Ramsey, Financial Peace Revisited

06.

Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.

Dave Ramsey

07.

You can afford to do these things because when you do them, your money position is hardly even affected.

Dave Ramsey
You can afford to do these things because when you do them, your money position is hardly even affected
You can afford to do these things because when you do them, your money position is hardly even affected

Dave Ramsey Quotes About Debt:

Dave Ramsey has said that debt is a trap that can cause financial ruin and that it is vital to be conscious of how much money we are spending and to start grounding ourselves in reasonable spending goals.

Ramsey has written several books, which tell the story of his life and how he became successful in debt relief. Dave Ramsey’s quotes about debt help you to Get Out of Debt. Learn more about Dave Ramsey’s views on debt, and what you can do to avoid it.

08.

Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.

Dave Ramsey
Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender
Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender

09.

You must gain control over your money or the lack of it will forever control you.” 

Dave Ramsey

10.

The number one problem that causes student loan debt? Parents that suck.

Dave Ramsey

11.

Knock out a small debt first so you get a quick win. Momentum is key.

Dave Ramsey

12.

There are no shortcuts when it comes to getting out of debt.

Dave Ramsey
There are no shortcuts when it comes to getting out of debt
There are no shortcuts when it comes to getting out of debt

13.

The German root word for ‘debt’ is the same as for ‘guilt.

Dave Ramsey

14.

Debt gives you the ability to look like you’re winning when you’re not.

Dave Ramsey

15.

A lower interest rate doesn’t make a debt go away.

Dave Ramsey

Cash is king….

16.

Debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice.

Dave Ramsey
Debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice
Debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice

Dave Ramsey Quotes About Leadership

Leadership is a great skill to be successful. Read more of Dave Ramsey’s views on leadership, and what you can do to be a great leader.

Dave Ramsey is a successful entrepreneur and successful speaker. He has written several books on leadership and quoted in many newspapers and publications. He strongly believes in the importance of leadership and believes that it is important for organizations to have a clear direction.

After reading Dave Ramsey’s quotes, you will get a clear idea about leadership. And will inspire you to take your business to the next level!

17.

True leadership is servanthood. Put the interests of others at the center of your decisions.

Dave Ramsey
True leadership is servanthood. Put the interests of others at the center of your decisions
True leadership is servanthood. Put the interests of others at the center of your decisions

18.

If you as a leader allow people to halfway do their jobs and don’t demand excellence as a prerequisite to keeping their job, you will create a culture of mediocrity.

Dave Ramsey

19.

Parents who let teens run around with unearned adult freedoms are naive and stupid.

Dave Ramsey

Dave Ramsey Quotes About Goals

Are you seeking specific advice to help you with your business goals? Check out this article, as it has quotes from Dave Ramsey about goals and how they can be achieved. Setting up proper goals is very important for the success of the company. Dave Ramsey’s quotes about goals help you to better plan for your future and create a goal list that is sustainable. He also recommends setting realistic deadlines and putting together a rewards system that rewards you for working towards your goals.

20.

“I’ve got a young man who works for me who says you don’t need to discover your dreams – you need to recover them.

Dave Ramsey

21.

I think that anyone who wants to start their own business can, but not any type of business.

Dave Ramsey
I think that anyone who wants to start their own business can, but not any type of business
I think that anyone who wants to start their own business can, but not any type of business

22.

Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.

Dave Ramsey

23.

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.”

Dave Ramsey

24.

Your priorities, passions, goals, and fears are shown clearly in the flow of your money.

Dave Ramsey

Dave Ramsey Quotes About Credit Cards

A credit card is now a popular way to make payments for shopping. Credit cards have both advantages and disadvantages. They can be very useful for saving money but they also have their own dangers. For this reason, it is important that you learn how to use credit cards in a way that is safe and effective.

Dave Ramsey said there’s no good reason at all to have a credit card. Let’s check the following quotes and understand Dave Ramsey’s view on credit cards.

25.

There’s no good reason at all to have a credit card.

Dave Ramsey

26.

Responsible use of a credit card really doesn’t exist.

Dave Ramsey

27.

The number one cause of bankruptcy today is medical bills; number two is credit cards.

Dave Ramsey
The number one cause of bankruptcy today is medical bills; number two is credit cards
The number one cause of bankruptcy today is medical bills; number two is credit cards

28.

“When credit cards stay out of your wallet, money stays in!”

Dave Ramsey

29.

There’s no positive side to credit card use. Even if you pay the bill on time, you’re not beating the system.

Dave Ramsey
There’s no positive side to credit card use. Even if you pay the bill on time, you’re not beating the system
There’s no positive side to credit card use. Even if you pay the bill on time, you’re not beating the system

30.

Your transmission will go out. Your kid will need braces. It is almost as if God wants to see if you are really gazelle-intense. At this point, you are ready for a plastectomy—plastic surgery to cut up your credit cards.

Dave Ramsey

31.

Eighty percent of college graduates have credit card debt…before they even get a job!

Dave Ramsey

32.

Getting a credit card for your teen is a great way to teach them to be financially irresponsible. That’s why teenagers are now the number one target of credit card companies.

Dave Ramsey

33.

Literally billions of credit-card offers hit our mailboxes and in-boxes every year, and we are taking advantage of those offers.

Dave Ramsey

34.

Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card.

Dave Ramsey, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness

Dave Ramsey Quotes About Saving:

Only about 1 in 5 Americans put away money on an annual basis in 2021, according to the most recent data documented by the Magnify Money Savings Index. So, saving money is an important part of your financial life. But how?

We take the time to compile a list of Dave Ramsey’s quotes about saving money. It’s easy to get overwhelmed by all the advice on how to save money!

35.

Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.

Dave Ramsey

36.

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

37.

A budget is people telling their money where to go instead of wondering where it went.

Dave Ramsey
A budget is people telling their money where to go instead of wondering where it went
A budget is people telling their money where to go instead of wondering where it went

Dave Ramsey Quotes About Investing:

Investing is a process of learning how to make decisions that will affect your financial future. Dave Ramsey often talks about investing, but his advice is always simple. His tips helped millions of people make smart and informed investments.

We have collected some of Dave Ramsey’s saying about investing that help you to make investment decisions.

38.

I would not pre-pay. I would invest instead and let the investments cover it.

Dave Ramsey
I would not pre-pay. I would invest instead and let the investments cover it
I would not pre-pay. I would invest instead and let the investments cover it

39.

Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt.

Dave Ramsey

40.

If she were to invest $3,500 in a mutual fund averaging 12 percent, upon an average death age of seventy-eight, Sara’s mutual fund would be worth $368,500!

Dave Ramsey

41.

“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

42.

“If you invest $464 in a good mutual fund every month from age thirty to age seventy, you’ll end up with more than $5 million.”

Dave Ramsey

Dave Ramsey Quotes About Financial Peace

43.

“Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.”

Dave Ramsey
Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this
Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this

What do we focus on in Dave Ramsey’s quotes?

We have studied various of Dave Ramsey’s books like The Total Money Makeover

Dave Ramsey’s Complete Guide to Money, EntreLeadership 20 Years of Practical Business Wisdom from the Trenches, The Financial Peace Planner, Financial Peace Revisited, The Money Answer Book and some other statements online. We categorized Dave Ramsey quotes in some titles for making more informational.

In conclusion, Dave Ramsey’s quotes show that it is important to be consistent with your actions and have a plan. The quote also advises against taking risks, which can lead to drastic consequences. In your financial matters, you can get motivated and learn about the way to make better financial decisions.

The above post is a compilation of various quotes and sayings of Dave Ramsey. The quotes are supposed to help you be more consistent with your actions and get a plan for achieving financial goals. Being consistent is the one important thing that people need to do in order to achieve their goals.

Hope you enjoyed and learn something new from the Dave Ramsey sayings. If you have any ideas or quotes that you think should be added to this list, do write them down and add them to the comments section below.

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