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

February 24, 2014 (The Dave Ramsey Show)

"When your truck is in the ditch financially, the things you catch up first and don't pay anybody until you do this is food, lights and water, car, and house...you get what we call the four walls of your house. You have to build a fort around your life to be able to fight through the rest of the mess." Dave Ramsey

January 30, 2014 (The Dave Ramsey Show)

"When you're broke and starving to death, you take whatever but when you got a little bit of margin, you could step back and be a little choosy and it causes your income to go up when you don't have debt." Dave Ramsey

December 10, 2013 (The Dave Ramsey Show)

"When you move into a house with debt hanging around your neck and no money, you are going to end up with all kinds of problems; a home can be a blessing but it can also be a curse." Dave Ramsey

November 18, 2013 (The Dave Ramsey Show)

"Most people that buy real estate [on credit] have a broken risk-meter. I had to have mine re installed, that's what caused me to go broke." Dave Ramsey

November 18, 2013 (The Dave Ramsey Show)

"Debt equals risk and real estate is not an exception." Dave Ramsey

November 4, 2013 (The Dave Ramsey Show)

"When you have $93,000 in credit card debt and you don't pay it, you have a beehive. This is Winnie-the-Pooh dropped a beehive on his head." Dave Ramsey

July 15, 2013 (The Dave Ramsey Show)

"We taught our kids that doing debt was just like drugs; it's not an option." Dave Ramsey

July 11, 2013 (The Dave Ramsey Show)

"You cannot borrow your way out of debt; your debt is there because of your behaviors, your behaviors are buying crap you can't afford with money you don't have to impress people you don't really like." Dave Ramsey

June 25, 2013 (The Dave Ramsey Show)

"One of the things that people don't grasp that they've given up [when they are in debt]: You've given up the ability to maximise your career when you're in debt because you gotta pay the freaking bill and you're stuck." Dave Ramsey

May 28, 2013 (The Dave Ramsey Show)

"Debt adds two things to your life that keep you from being wealthy: it adds risk, it is a parasite sucking the cash flow out of your life, by paying those payments you don't have as much money. The second thing debt does is it robs us of our ability to build wealth as fast." Dave Ramsey

May 20, 2013 (The Dave Ramsey Show)

"I don't borrow money, so it would be inconsistent for me to tell you to go borrow money but on the case of a home, the one area I don't scream at people for is if they get a 15 year fixed rate mortgage where the payment is no more than a fourth of their take-home pay." Dave Ramsey

May 15, 2013 (The Dave Ramsey Show)

"Anytime you are settling with a debt you are in an adversarial situation, an argument if you will; so you do not ever give them electronic access to your checking account." Dave Ramsey

May 15, 2013 (The Dave Ramsey Show)

"You should not settle a debt that you legitimately owe and you have the money to pay." Dave Ramsey

March 27, 2013 (The Dave Ramsey Show)

"Don't go into debt so that later you have the opportunity to go into debt, this is stupid, break the cycle. Don't build you credit, build your wealth." Dave Ramsey

February 14, 2013 (The Dave Ramsey Show)

"If we play footsie with debt our entire life, we're gonna stay broke and middle class our entire life; we've got no way to build substantial wealth when we're giving it all to the bank." 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 27, 2012 (The Dave Ramsey Show)

"As a sales guy, you need to be unbelievably enthused and excited and passionate about 3 things when you get ready to sell: the quality and integrity of the company that you're working for, the quality and value of the product line or service, and the methodology of delivery of the service." Dave Ramsey

December 17, 2012 (The Dave Ramsey Show)

"A debit card will do everything a credit card will do unless you're wanting to buy something you don't have the money to buy, which of course is the activity of someone who doesn't want to be wealthy." Dave Ramsey

December 6, 2012 (The Dave Ramsey Show)

"A large percentage of the time, and it's anecdotal, I don't have the exact research but over the 20 some odd years we've been doing financial coaching, I sit down with someone and you would be amazed at the number of times that when we pull daycare out of her income and she wants to be at home full time with the kids, we look up and we're only three or four hundred dollars off and then we look over and we see a car that has a $300 car payment, and so what we figure out then [is that] the one thing that is driving her into the workplace away from home when she doesn't want to be, the one thing is a stupid car...you'd be amazed the number of times you're within one car payment of coming home if that's what you wanna do and it's real simple, amputate the Tahoe baby!" Dave Ramsey