December 25, 2014 (The Dave Ramsey Show)

"The way I look at things is ratios: Is that to say that a $48,000 piano is always bad? No. If you told me you had a million dollars in Mutual Funds for retirement and you are making $200,000 a year, your $300,000 house is paid for and you had an extra $50,000 in addition to your emergency fund laying around and you wanted to buy that piano, [that would be okay]. But when you tell me all you've got is $150,000 saved for retirement and you're in your 50's, I can't put the equivalent of 1/3 of your nest egg...that is a luxury item." Dave Ramsey

September 16, 2014 (The Dave Ramsey Show)

"You never get a discount if you don't ask." Dave Ramsey

May 20, 2014 (The Dave Ramsey Show)

"Toys are fine when they're small percentage of your world and when you're being generous and when you're continuing to invest; you always want to be giving, saving, and enjoying." Dave Ramsey 

May 20, 2014 (The Dave Ramsey Show)

"The way you negotiate anything is this: he with the most information and the most patience wins. If you get married to the transaction, you lose." Dave Ramsey

March 18, 2014 (The Dave Ramsey Show)

"I know wealthy people who have a lot of things who are not materialistic; materialism is not about the amount of stuff, it's about the view of stuff." Dave Ramsey

March 18, 2014 (The Dave Ramsey Show)

"If you eat enough lobster, it tastes like soap." Dave Ramsey

March 18, 2014 (The Dave Ramsey Show)

"Materialism is a form of religion were you are worshiping something, materialism is the worship of stuff." Dave Ramsey

April 8, 2013 (The Dave Ramsey Show)

"Everything that's a good deal it not necessarily a good deal...I want deals to work when they work and work when they don't work." Dave Ramsey

January 30, 2013 (The Dave Ramsey Show)

"You don't get away with blaming salesmen for your decisions on this show." Dave Ramsey

January 22, 2013 (The Dave Ramsey Show)

"You have to learn to go a little bit slower in your acquisition of stuff; when you go too fast in your acquisition of stuff, a. you make mistakes and b. you have a tendency to move towards debt." Dave Ramsey

January 22, 2013 (The Dave Ramsey Show)

"When you're making a major purchase ($300 or more) we wait overnight, we don't make it on impulse cuz it lets you cool off and lets the fever kind of subside." Dave Ramsey

November 26, 2012 (The Dave Ramsey Show)

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

October 24, 2012 (The Dave Ramsey Show)

"Very few times you get a good deal when you're in a hurry...he with the most information, he with the most patience, are usually the ones that get the best deals." Dave Ramsey

September 21, 2012 (The Dave Ramsey Show)

"I recommend that you do the first 3 steps before you buy any toys. The first three steps are a thousand dollars saved in the bank, baby step two is you pay off all your debts except your home by working your debts off smallest to largest in what we call the debt snowball and then baby step 3 is you go back to the thousand dollar account and you raise it up to a fully funded emergency fund of 3 to 6 months of expenses." Dave Ramsey

August 2, 2012 (The Dave Ramsey Show)

"Broke, desperate, stupid are three brothers running around together." Dave Ramsey