January 27, 2015 (The Dave Ramsey Show)

"Here's the thing I've learned about boats, campers, motorcycles, and all that kind of stuff: When you sell one of them, they're not a family heirloom. You can get another one when you are not broke." Dave Ramsey

January 23, 2015 (The Dave Ramsey Show)

"Churches are in debt because the people sitting at the pews are broke. If we can get the people sitting in the pews on a budget and out of debt, the giving goes up and the ministry that church is able to do in that community and around the world goes up." Dave Ramsey

December 18, 2014 (The Dave Ramsey Show)

"The credit score simply means I have borrowed money and paid it back. If I'm not gonna be borrowing money anymore I don't need  a credit score." Dave Ramsey 

November 11, 2014 (The Dave Ramsey Show)

"If you carry a purse like no one else later you can carry a purse like no one else. I can tell you Sharon does that." Dave Ramsey

November 3, 2014 (The Dave Ramsey Show)

"Financial Russian Roulette: Putting company expenses on a personal [credit] card, counting on the stability of the company." Dave Ramsey

November 6, 2014 (The Dave Ramsey Show)

"We think you ought to get about 10 to 12 times your income in Term Life Insurance [when others depend on your income]." Dave Ramsey

October 14, 2014 (The Dave Ramsey Show)

"You're 32 years old and you don't have a house payment, you know what you will become if you have a brain in your head? Wealthy! You know what a house payment invested in a Mutual Fund from 32 to 62 is? 10, 15, 20 million dollars you guys." Dave Ramsey

September 30, 2014 (The Dave Ramsey Show)

"I don't pay any interest, that's one way to avoid paying interest because I don't borrow money." Dave Ramsey

August 25, 2014 (The Dave Ramsey Show)

"I'm convinced that at the center of the disintegration of our culture before our eyes is the inability of people to look at themselves and those they love and say no." Dave Ramsey

August 25, 2014 (The Dave Ramsey Show)

"One of the things you have to do if you're gonna win with money is you have to learn the ancient word, which is an indication of emotional maturity...it's a strange word: No." Dave Ramsey

July 29, 2014 (The Dave Ramsey Show)

"If you don't like the type of cake that's coming out of the oven, change the recipe." Dave Ramsey

July 25, 2014 (The Dave Ramsey Show)

"A paid for house changes the risk scenario of your financial portfolio and it also changes the way you sleep at night." Dave Ramsey 

July 25, 2014 (The Dave Ramsey Show)

"Normal is broke." Dave Ramsey

July 22, 2014 (The Dave Ramsey Show)

"You do have credit [to buy a home] if you paid your landlord early or on time, have a good strong down payment, and you've been steady on your job for the last two years or more and you don't have any credit at all, you'll qualify for a manual underwriting. Some lenders know how to do that, not all of them do." Dave Ramsey 

June 10, 2014 (The Dave Ramsey Show)

"The closest and quickest and best way to prosperity regardless of the demographic of the situation i.e. number of kids, married, single, black, white, male, female, hispanic, none of this changes the math. The math is: the quickest and most likely way to prosper is debt freedom because you free up your most powerful wealth building tool which is your income." Dave Ramsey

May 22, 2014 (The Dave Ramsey Show)

"I would never borrow money for a car, I would ride a bike first." Dave Ramsey

May 16, 2014 (The Dave Ramsey Show)

"Owning a home done properly is a huge blessing; done poorly it's one of the biggest curses that can ever happen to your finances. Buying a home when you're not ready, it will take you down." Dave Ramsey

May 16, 2014 (The Dave Ramsey Show)

"Interest rate is not your problem; your freaking lifestyle and not being on a budget and not being angry about the debt, that's your problem." Dave Ramsey

April 11, 2014 (The Dave Ramsey Show)

"Changing behavior and cutting lifestyle and living on nothing is what pays off debt; interest rate is very seldom the problem." Dave Ramsey

March 31, 2014 (The Dave Ramsey Show)

"Car debt is a signal that you're gonna stay in the Middle Class." Dave Ramsey