September 30, 2014 (The Dave Ramsey Show)

"When you start doing a written plan it forces you to realize what you waste is due to disorganization and impulse spending and it also forces you to see what debt is costing you because you will see how much of your budget is going to just payments." Dave Ramsey 

September 30, 2014 (The Dave Ramsey Show)

"Congress doesn't know how to budget and they don't even admit it. Half of solving a problem is admitting there is one." 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

May 5, 2014 (The Dave Ramsey Show)

"Folks, you do this written plan, on paper, on purpose before the month begins, every dollar has a name and you are in agreement on it with you spouse, you'll rock your marriage because you’ve been fighting about stuff you don't even need to be fighting about; #1 thing couples fight about is money." Dave Ramsey

December 23, 2013 (The Dave Ramsey Show)

"You do a written plan, on paper, on purpose every single month before the month begins and when every dollar has a name, then you're gonna make the money go to more important places than it's been going." Dave Ramsey

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

October 21, 2013 (The Dave Ramsey Show)

"You need to do a unique budget every month before the month begins." Dave Ramsey

July 18, 2013 (The Dave Ramsey Show)

"You don't do a generic template budget, you do a budget for this month and you give every dollar an assignment, a mission, a name. Every month you put your income at the top and every dollar has a name until it equals zero, that's called a zero-based budget and that's what we are aiming at." Dave Ramsey

May 16, 2013 (The Dave Ramsey Show)

"There is a sense of power over every part of your life when you have a sense of power about your money, isn't it?" Dave Ramsey

April 22, 2013 (The Dave Ramsey Show)

"[The best first step to saving money] is the written budget; when you start telling your money what to do you'll find more of it, right now you're just wondering where it went." Dave Ramsey

January 30, 2013 (The Dave Ramsey Show)

"If we plan separate lives I am afraid we're gonna end up living separate lives." Dave Ramsey

January 22, 2013 (The Dave Ramsey Show)

"How do you get a $510 car payment on a $1,200 take-home pay? Obviously you are sick in the brain young man!" Dave Ramsey

December 18, 2012 (The Dave Ramsey Show)

"On paper, on purpose before the month starts we're going to spend our income on paper." Dave Ramsey

October 23, 2012 (The Dave Ramsey Show)

"Debt is basically an asset that sits in your checkbook and eats your income." Dave Ramsey

October 22, 2012 (The Dave Ramsey Show)

"A budget is not meant to be constricting just for constricting's sake, it's I'm going to live my life on purpose, I'm gonna be intentional about my life." Dave Ramsey

October 22, 2012 (The Dave Ramsey Show)

"The money is going to all disappear, that's the purpose of the budget...it's going to disappear [so] we want it all to have a name." Dave Ramsey

October 19, 2012 (The Dave Ramsey Show)

"It's difficult to do a budget when you're shacking up versus being married because you basically have a roommate and you still have two separate lives; you're not married." Dave Ramsey

July 17, 2012 (The Dave Ramsey Show)

"It doesn't matter how much you make; it's how much you keep." Dave Ramsey

July 10, 2012 (The Dave Ramsey Show)

"When you start managing your money [and] telling it what to do, you'll feel like you got a raise." Dave Ramsey

June 28, 2012 (The Dave Ramsey Show)

"You can cut your grocery cost way down if you'll do two big things: 1. Never go to the store without a written list and don't buy anything except what's on the list. 2. Don't go grocery shopping hungry." Dave Ramsey