130 Dave Ramsey Quotes On Money, Debt & Success In Life

I’ve rounded up the best collection of Dave Ramsey quotes, sayings, captions for Instagram, and WhatsApp status, (with images and pictures) that will help you to learn how to budget, beat debt, increase your savings, and invest your money smartly.

Dave Ramsey is an American personal finance personality, businessman, author, and radio show host.

He hosted a television show on Fox Business from 2007 to 2010 and also hosts the radio program The Ramsey Show.

He has penned several books, including The New York Times bestseller The Total Money Makeover.

Also See: Success Quotes

These motivational words from Dave Ramsey will help you to take charge of your finances and will inspire you to change your spending habits and save wisely.

From living a life true to your dream to being successful at attaining your goals, Ramsey teaches his listeners how to pay off their debts quickly and grow their money responsibly.

Much of what he says involves the harsh truths about your spending habits and gives tips that help you to improve your financial status as fast as possible.

These smart quotes from the multi-dollar millionaire will help you come closer to your goals and achieve financial success.

If you like these Dave Ramsey famous quotes then check out our collection of experience quotes and learning from failure quotes to motivate you to learn from your mistakes and give up the fear of failure.

Top 10 Dave Ramsey Quotes

  1. “Dreaming is a sign you have hope.” – Dave Ramsey                                                                                                               
    Dave Ramsey Quotes
    Dave Ramsey Quotes

  2. “Life is not a snapshot, it’s a filmstrip.” – Dave Ramsey                                                                                               
    Quotes By Dave Ramsey
    Quotes By Dave Ramsey

  3. “A good man leaves an inheritance to his children’s children.” – Dave Ramsey

  4. “Making mistakes and learning from them is crucial to winning.” – Dave Ramsey                                                           
    Dave Ramsey Sayings
    Dave Ramsey Sayings

  5. “Pray like it all depends on God, but work like it all depends on you.” – Dave Ramsey

  6. “Earning a lot of money is not the key to prosperity. How you handle it is.” – Dave Ramsey                                       
    Dave Ramsey Quotes Images
    Dave Ramsey Quotes Images

  7. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” – Dave Ramsey

  8. “No one wins the Super Bowl accidentally. Be intentional. Be Passionate. Don’t mail it in! You got this!” – Dave Ramsey

  9. “I learned early on that work creates discipline, and when you have discipline in your life, you are a healthier person.” – Dave Ramsey

  10. “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.” – Dave Ramsey


Famous Quotes By Dave Ramsey

David Lawrence Ramsey III (born September 3, 1960) started business as a real estate investor and his company Ramsey Investments, Inc., built a real estate portfolio worth more than $4 million by 1986.

In 1987, due to the change in the competitive Equality Banking Act, Ramsay was unable to pay his dues to the banks and filed for bankruptcy in 1988.

Also Check: Achievement Quotes

After losing everything Ramsey started to learn about money, debts, and other financial services. He took control of his life and rebuilt himself into a millionaire.

As a financial advisor, Ramsey has helped many people to get out of debt and take control of their finances.

These inspiring Dave Ramsey’s quotes about success, debt, credit cards, insurance, and more will give you the little nudge that is required to get your finances back on track.

  1. “Act your wage.” – Dave Ramsey

  2. “Fear is the enemy of hope.” – Dave Ramsey

  3. “Savings without a mission is garbage.” – Dave Ramsey

  4. “Humpty Dumpty is hard to put back together—and so is trust.” – Dave Ramsey

  5. “If you will live like no one else, later you can live like no one else.” – Dave Ramsey                                                                                   
    Dave Ramsey Live Like No One Else Quote
    Dave Ramsey Live Like No One Else Quote

  6. “Doing a budget means learning an ancient and powerful word: NO.” – Dave Ramsey                                                                                         
    Dave Ramsey Budget Quotes
    Dave Ramsey Budget Quotes

  7. “We learned early on that if we help enough people, the money will come.” – Dave Ramsey

  8. “Don’t medicate dysfunction with spending. No amount of stuff will get rid of guilt.” – Dave Ramsey

  9. “Requiring nothing of a child gives them no opportunity for failure or success.” – Dave Ramsey

  10. “Parents who let teens run around with unearned adult freedoms are naive and stupid.” – Dave Ramsey

  11. “I believe that through knowledge and discipline, financial peace is possible for all of us.” – Dave Ramsey

  12. “The first step in taking control of your money is to stop borrowing money. Start using cash today.” – Dave Ramsey                                                                                                                                                                                                                                 
    Dave Ramsey Money Quotes
    Dave Ramsey Money Quotes

  13. “One reason people make bad decisions is they don’t have a good decision as one of their options.” – Dave Ramsey

  14. “There’s not a party, a congressman, a senator, etc. elected that will fix your life. YOU have to fix YOUR life.” – Dave Ramsey

  15. “There is tremendous satisfaction in working your tail off to hit a goal, then winning. It is worth the work.” – Dave Ramsey

  16. “You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.” – Dave Ramsey

  17. “A typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.” – Dave Ramsey

  18. “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

  19. “Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building.” – Dave Ramsey

  20. “Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.” – Dave Ramsey

  21. “So content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.” – Dave Ramsey

  22. “We are being taught by everything around us to have dessert before dinner. Now we are paying for our lack of knowledge and discipline.” – Dave Ramsey

  23. “It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.” – Dave Ramsey

  24. “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!” – Dave Ramsey

  25. “Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.” – Dave Ramsey

  26. “For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.” – Dave Ramsey

  27. “The good thing about principles is that they make life easy. I have heard it said that when someone bases his life on principle, 99 percent of his decisions are already made.” – Dave Ramsey

  28. “Hope is steel covered in velvet. It can seem soft and cuddly, but hope is at the core of what makes people become what God designed them to be. Hope and its sister, faith, always create action.” – Dave Ramsey

  29. “Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, vision cleared, ambition inspired, and success achieved.” – Dave Ramsey

  30. “That stupid saying ‘What you don’t know can’t hurt you’ is ridiculous. What you don’t know can kill you. If you don’t know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear—but that doesn’t mean you won’t get killed.” – Dave Ramsey

Dave Ramsey Quotes About Money & Debt

Ramsey advised his listeners to follow the debt snowball method, where the debtor starts paying off their lowest balances first. He strongly believes in the use of cash and discourages people to use credit cards.

Also Check: Ambition Quotes

When spoken about money, Ramsey usually talks about goals and normalcy. According to him, taking a loan or going into debt is a normal thing but is not the right things to do.

He believes that if we focus more on our goals instead of going into debt, we will be successful in our lives as well as our finances.

These inspirational Dave Ramsey quotes on credit cards will will help you learn personal finance skills and climb the ladder to truly build wealth.

  1. “Debt is dumb. Cash is king.” – Dave Ramsey                                                                                                                                             
    Dave Ramsey Quotes About Debt
    Dave Ramsey Quotes About Debt

  2. “Your greatest asset is your paycheck.” – Dave Ramsey

  3. “The love of money, not money, is root of all evil.” – Dave Ramsey                                                                                                           
    Dave Ramsey Famous Quotes
    Dave Ramsey Famous Quotes

  4. “A lower interest rate doesn’t make a debt go away.” – Dave Ramsey

  5. “Fun can be bought with money, but happiness cannot.” – Dave Ramsey

  6. “Your money needs to work for you, not lie around you.” – Dave Ramsey

  7. “Someone who never invests money will never have any.” – Dave Ramsey

  8. “The German root word for ‘debt’ is the same as for ‘guilt.’” – Dave Ramsey

  9. “Someone who never has fun with money misses the point.” – Dave Ramsey

  10. “There are no shortcuts when it comes to getting out of debt.” – Dave Ramsey

  11. “If you help enough people, you don’t have to worry about money.” – Dave Ramsey

  12. “Knock out a small debt first so you get a quick win. Momentum is key.” – Dave Ramsey

  13. “Debt gives you the ability to look like you’re winning when you’re not.” – Dave Ramsey

  14. “Winning at money is 80 percent behavior and 20 percent head knowledge.” – Dave Ramsey

  15. “The number one problem that causes student loan debt? Parents that suck.” – Dave Ramsey

  16. “Money is 80% behavior, 20% head knowledge. It’s what you do, not what you know.” – Dave Ramsey

  17. “A budget is telling your money where to go instead of wondering where it went.” – Dave Ramsey                                                 
    Best Dave Ramsey Quotes
    Best Dave Ramsey Quotes

  18. “Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.” – Dave Ramsey

  19. “We have a retirement crisis in America today not from a lack of money, but from a lack of vision.” – Dave Ramsey

  20. “Measure your wealth not by the things you have, but by the things for which you would not take money.” – Dave Ramsey

  21. “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

  22. “Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.” – Dave Ramsey

  23. “I suggest a Money Market account with no penalties and full check-writing privileges for your emergency fund.” – Dave Ramsey

  24. “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

  25. “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

  26. “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

  27. “I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.” – Dave Ramsey

  28. “MYTH: Car payments are a way of life; you’ll always have one. TRUTH: Staying away from car payments by driving reliable used cars is what the average millionaire does; that is how he or she became a millionaire.” – Dave Ramsey

  29. “If I loan money to a friend or relative, the relationship will be strained or destroyed. The only relationship that would be enhanced is the kind resulting from one party being the master and the other party a servant.” – Dave Ramsey

  30. “Money is like a beautiful thoroughbred horse-—very powerful and always in action. But unless this horse is trained when very young, it will be an out-of-control and dangerous animal when it grows to maturity.” – Dave Ramsey

Dave Ramsey’s Quotes For Living Successfully

Ramsey is regarded as one of the most wise minds in the financial success field. He believed and taught that you can achieve your dreams if you work towards it with good intention.

From being a millionaire to bankrupted, and then back to being a millionaire again, Ramsey surely knows a lot about money and how to make a financial comeback.

These insightful quotes will help you to take better financial decisions.

  1. “Debt is normal! So why be normal?” – Dave Ramsey

  2. “Work is a surefire money-making scheme.” – Dave Ramsey

  3. “You must plan your work and then work your plan.” – Dave Ramsey

  4. “Goals are visions and dreams with work clothes on.” – Dave Ramsey                                                                                                     
    Dave Ramsey Quotes About Goals
    Dave Ramsey Quotes About Goals

  5. “There’s a great place to go when you’re broke—to work!” – Dave Ramsey

  6. “You can’t work three hours a week and make $100,000.” – Dave Ramsey

  7. “Live like no one else, so later you can live like no one else.” – Dave Ramsey

  8. “I like the way I’ve built wealth better than the way you haven’t.” – Dave Ramsey

  9. “You have the clean canvas of a whole week before you. Paint well.” – Dave Ramsey

  10. “We want it all, and we can borrow to get it all before we can afford it all.” – Dave Ramsey

  11. “‘We are scaling down’ is a painful statement to make to friends or family.” – Dave Ramsey

  12. “You will either learn to manage money, or the lack of it will manage you.” – Dave Ramsey

  13. “Great spirits have often encountered violent opposition from weak minds.” – Dave Ramsey

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

  15. “You must gain control over your money or the lack of it will forever control you.” – Dave Ramsey

  16. “Having children doesn’t make you a good parent, it means you had sex. That’s all.” – Dave Ramsey

  17. “The enemy of ‘the best’ is not ‘the worst.’ The enemy of ‘the best’ is ‘just fine.’” – Dave Ramsey

  18. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” – Dave Ramsey

  19. “If you wouldn’t want your mother to buy the item or the service then don’t sell it.” – Dave Ramsey

  20. “Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality!” – Dave Ramsey

  21. “People will not buy from you if they don’t trust you, your product, and your company.” – Dave Ramsey

  22. “Your priorities, passions, goals, and fears are shown clearly in the flow of your money.” – Dave Ramsey

  23. “If you will do the things others won’t do then some day you will have the life others won’t have.” – Dave Ramsey

  24. “No one wins the superbowl accidentally. Be intentional, be passionate, don’t mail it in! You got this!” – Dave Ramsey

  25. “No one got rich on a government program. Do not choose to be a common man. You can be uncommon.” – Dave Ramsey

  26. “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

  27. “Where you are today is the sum of every choice you’ve ever made. If you don’t like where you are, start making different choices!” – Dave Ramsey

  28. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.” – Dave Ramsey

  29. “Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.” – Dave Ramsey

  30. “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

Best Dave Ramsey Quotes

  1. “Stupid is not illegal.” – Dave Ramsey

  2. “You must sell benefits, not products.” – Dave Ramsey

  3. “To avoid criticism, say nothing, do nothing, and be nothing.” – Dave Ramsey

  4. “Those who never make mistakes work for those of us who do.” – Dave Ramsey                                                                   
    Dave Ramsey Inspirational Quotes
    Dave Ramsey Inspirational Quotes

  5. “You should always be dreaming. Dreaming is a sign you have hope.” – Dave Ramsey

  6. “Work—get paid; don’t work—don’t get paid. Everybody is on commission.” – Dave Ramsey

  7. “Broke people giving financial advice is like a shop teacher with missing fingers.” – Dave Ramsey

  8. “The goal is to not be normal, because as my radio listeners know, normal is broke.” – Dave Ramsey

  9. “The accountability of a group environment causes people to change their behaviors.” – Dave Ramsey

  10. “The average millionaire can’t tell you who got thrown off the island last night.” – Dave Ramsey

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

  12. “A little bit of controlled pain when you’re six will change your life when you’re thirty-six.” – Dave Ramsey                                           
    Dave Ramsey Motivational Quotes
    Dave Ramsey Motivational Quotes

  13. “People who change their values, their ethics, are not trustworthy and should be avoided.” – Dave Ramsey

  14. “The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.” – Dave Ramsey

  15. “Rich isn’t an amount of money, it’s a mindset about how you live. If you believe you can win, you can.” – Dave Ramsey

  16. “I finally realized that results are generated by activities. If I manage my activities then the results I want occur.” – Dave Ramsey

  17. “Repetition, volume, and longevity will twist and turn a myth, a lie, into a commonly accepted way of doing things.” – Dave Ramsey

  18. “Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.” – Dave Ramsey

  19. “Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren’t the exception.” – Dave Ramsey

  20. “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

  21. “If you keep doing the same things, you will keep getting the same results. You are where you are now financially as a sum total of the decisions you’ve made to this point.” – Dave Ramsey

  22. “Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It’s just as important as life insurance.” – Dave Ramsey

  23. “The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account.” – Dave Ramsey

  24. “A natural saver is great until he never spends and is tight-fisted with giving. A natural spending is great until she finds herself deeply in debt and unable to give. A natural giver is great until there are no savings when a problem arises and there is no personal enjoyment of money.” – Dave Ramsey

  25. “I think the lie we’ve told people in the marketplace is that a degree gets you a job. A degree doesn’t get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful.” – Dave Ramsey

  26. “If you don’t own the goal and it doesn’t come from your dream, then you won’t have the toughness to persevere when the going gets tough. And I will promise you that the going will get tough. There is never an exception—everyone who wins must push through obstacles, lots of them. You simply will not get up at dawn for your three-mile run because your wife wants you thinner. Big goals require big backbone—wimps need not apply.” – Dave Ramsey

  27. “If you’re married, agree on the budget with your spouse. This one sentence requires a stand-alone book to describe how, but the bottom line is this: if you aren’t working together, it is almost impossible to win. Once the budget is agreed on and is in writing, pinky-swear and spit-shake that you will never do anything with money that is not on that paper. The paper is the boss of the money, and you are the boss of what goes on the paper, but you have to stick to the budget, or it’s just an elaborate theory.” – Dave Ramsey

  28. “The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth-building tool, but the truth is that the lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower-income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out.” – Dave Ramsey

  29. “Twist and wring out the budget, work extra hours, sell something, or have a garage sale, but quickly get your $1,000. Most of you should hit this step in less than a month. If it looks as though it is going to take longer, do something radical. Deliver pizzas, work part-time, or sell something else. Get crazy. You are way too close to the edge of falling over a major money cliff here. Remember, if the Joneses (all the broke people) think you are cool, you are heading the wrong way. If they think you are crazy, you are probably on track.” – Dave Ramsey

  30. “I do recommend that most people sell the car with the most debt on it. A good rule of thumb on items (except the house) is this: if you can’t be debt-free on it (not counting the home) in eighteen to twenty months, sell it. If you have a car or a boat that you can’t pay off in eighteen to twenty months, sell it. It is just a car; dynamite the logjam! I used to love my car, too, but I found keeping that huge debt while trying to get out of debt was like running a race wearing ankle weights. Get a Total Money Makeover, so later you can drive anything you want and pay cash for it. When it comes to that debt-ridden item, you may have to make the decision to live like no one else; but remember, later you will be living, or driving, like no one else.” – Dave Ramsey

What is Dave Ramsey’s philosophy?

Dave Ramsey’s financial philosophy centers on staying out of debt and building savings. When it comes to paying off debt, Ramsey preaches the debt snowball method.

The snowball method involves paying off your smallest debts first and then moving on to your biggest debts.

If you like this enlightening Dave Ramsey quotes and sayings, you can also read our posts on accomplishment quotes and perseverance quotes to inspire you to hustle and work hard to achieve success even after facing setbacks.

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