December 11, 2014 (The Dave Ramsey Show)

"I would not be where I am now if I had not done stupid with zeros on the end and gone to two and a half years of hell losing everything I owned and ending in bankruptcy." Dave Ramsey

July 1, 2014 (The Dave Ramsey Show)

"The average person doing The Total Money Makeover does pay off their house in seven years." Dave Ramsey

June 5, 2014 (The Dave Ramsey Show)

"What happens to a lot of folks is once they start concentrating on the details of their money, they start thinking about new ways to make money." Dave Ramsey

June 4, 2014 (The Dave Ramsey Show)

"My first book was written between 10 p.m. and 2 a.m." Dave Ramsey

April 8, 2014 (The Dave Ramsey Show)

"Anything you're gonna buy we're gonna teach you to save up and pay cash for it, with the possible exception of a house and you can get a house without a credit score." Dave Ramsey

November 13, 2013 (The Dave Ramsey Show)

"If you're in any kind of an emergency, you push pause on your Total Money Makeover baby steps and pile up cash. Cash is the umbrella when it rains." Dave Ramsey

October 7, 2013 (The Dave Ramsey Show)

"The problem in personal finance is people sometimes use intellect without using wisdom...you can have intellect and not have wisdom, we've all met them, they're called broke people with big degrees and no money." Dave Ramsey

March 11, 2011 (The Dave Ramsey Show)

“Lot of the times the very ones that are making fun of you become some of the biggest adoptees of the ideas once you get there and you start winning” 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

January 17, 2011 (The Dave Ramsey Show)

“You gotta pull a rope, you can’t push a rope [regarding getting spouse on Dave’s plan]” Dave Ramsey

December 20, 2010 (The Dave Ramsey Show)

“The average family paying off their debt using The Total Money Makeover with gazelle intensity is debt free in 18 to 24 months” Dave Ramsey

December 14, 2010 (The Dave Ramsey Show)

“If you listen to they said and I heard’s financial plan, you’ll be broke your whole 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

December 6, 2010 (The Dave Ramsey Show)

“Financial Peace is what to do; [The] Total Money Makeover (book) is how to do it” Dave Ramsey

November 26, 2010 (The Dave Ramsey Show)

"Personal finance is 80% behavior and only 20% head knowledge" Dave Ramsey

November 25, 2010 (The Dave Ramsey Show)

"Our system says: if there's an emergency on the horizon, if a baby is on the way or if a layoff is pending, then our system says push pause on your Total Money Makeover and pile up savings, that's your umbrella in case a storm is coming" Dave Ramsey

November 24, 2010 (The Dave Ramsey Show)

"It's weird that you look forward to paying bills when you have a plan, that you're getting traction, and you're getting out of debt" 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

November 10, 2010 (The Dave Ramsey Show)

"The way you get out of debt is you run like you are a gazelle with a cheetah chasing you" Dave Ramsey