August 25, 2014 (The Dave Ramsey)

"When you're in Baby Step 2 working the debt snowball, I want you so focused that you're not doing anything except knocking that debt out. There is a power to that passionate focus that on a temporary basis supersedes mathematics." Dave Ramsey

July 25, 2014 (The Dave Ramsey Show)

"You need to understand that personal finance is 80% behavior and it's only 20% head knowledge...if all those debts were 0% interest it wouldn't matter, you'd still have to figure out a way to keep you engaged in the process and that is why the debt snowball, listing them smallest to largest is the most efficient and likely way for you to get out of debt." Dave Ramsey

July 8, 2014 (The Dave Ramsey Show)

"If you don't have any debt and you've got that rainy day fund, you've got the foundation laid in your financial plan to be able to leap forward and do the other big stuff; if you start investing before you have that foundation it's kind of like building the walls before you lay the foundation, they won't stand up and ends up falling back apart later." Dave Ramsey

June 10, 2014 (The Dave Ramsey Show)

"If you're in Baby Step 2, the purchase of anything needs to be an emergency; if you consider a second car an emergency then that would be a 1 or 2 thousand dollar car." Dave Ramsey

May 22, 2014 (The Dave Ramsey Show)

"Once the house is paid off and retirement is well underway and college is well underway, that's what we call Baby Step 7 and there's really nothing left to do there but build wealth and be a huge giver." Dave Ramsey

August 6, 2013 (The Dave Ramsey Show)

"The thing that gets people out of debt from the Dave Ramsey plan is incredible passion, focus, and just this crazy attack mode." Dave Ramsey

August 6, 2013 (The Dave Ramsey Show)

"I want you putting 15% of your money into retirement, that's Baby Step Four." Dave Ramsey

November 2, 2012 (The Dave Ramsey Show)

"If 9 weeks or 6 months or a year from now you look up and say we did everything exactly the way Dave Ramsey says to do it and it's not working, you can always go back to your old ways." Dave Ramsey

November 2, 2012 (The Dave Ramsey Show)

"You can't keep doing what you've been doing, otherwise you're gonna keep getting what you've been getting." Dave Ramsey

February 22, 2011 (The Dave Ramsey Show)

“When you get the emergency fund in place of 3 to 6 months of expenses and you’re debt free but your house, you can let your foot off the gas a little bit and then the more wealthy you become, the more you will live like no one else overtime” Dave Ramsey

December 20, 2010 (The Dave Ramsey Show)

“I’m not trying to do math, I’m trying to modify your behavior for the rest of your life” Dave Ramsey

December 13, 2010 (The Dave Ramsey Show)

“Baby Step 4 is putting 15% of your household income away for retirement” Dave Ramsey

December 13, 2010 (The Dave Ramsey Show)

“Baby Step 1 is, and you don’t do anything on the debt until you do this, you have $1,000 cash in the bank” Dave Ramsey

November 16, 2010 (The Dave Ramsey Show)

"If I take care of the proper priority things (food, shelter, clothing, transportation and utilities) first, then I live to fight another day and we'll deal with MasterCard, we'll deal with the student loan later" Dave Ramsey

November 15, 2010 (The Dave Ramsey Show)

"The first time you can lighten up a little bit and breathe and move out of a beater into a descent car, replace the couch with the springs coming through and that kind of thing, is after you finish your emergency fund" Dave Ramsey

September 13, 2010 (The Dave Ramsey Show)

"This plan that we teach in the baby steps is a proven plan; it's not a theory" Dave Ramsey