November 25, 2013 (The Dave Ramsey Show)

"Santa Claus is a good friend of mine, he says, "make a list and check it twice." I say put a number beside it and total it up, that's called a Christmas budget, go into the mall with a plan." Dave Ramsey

November 26, 2012 (The Dave Ramsey Show)

"I want you to have a Merry Christmas and I want you to enjoy the holidays, but let's be a grown up, you're not in Congress, you can't spend money you don't have. Not and have anything but a financial hangover later." Dave Ramsey

November 26, 2012 (The Dave Ramsey Show)

"Adults device a plan and follow it; children do what feels good." Dave Ramsey