July 8, 2014 (The Dave Ramsey Show)

"If you don't have any debt and you've got that rainy day fund, you've got the foundation laid in your financial plan to be able to leap forward and do the other big stuff; if you start investing before you have that foundation it's kind of like building the walls before you lay the foundation, they won't stand up and ends up falling back apart later." Dave Ramsey

June 10, 2014 (The Dave Ramsey Show)

"An upgrade is a want, actual transportation is a need." Dave Ramsey

June 10, 2014 (The Dave Ramsey Show)

"If you're in Baby Step 2, the purchase of anything needs to be an emergency; if you consider a second car an emergency then that would be a 1 or 2 thousand dollar car." Dave Ramsey

June 4, 2014 (The Dave Ramsey Show)

"The accounting term for a business emergency fund is retained earnings and usually you use retained earnings for more than just emergencies in business, you can also use it to expand, to cover cash-flow fluctuations, to buy out a competitor; it's basically business savings." Dave Ramsey 

December 10, 2013 (The Dave Ramsey Show)

"Your emergency fund is just sitting there like an umbrella in the corner in case it rains." Dave Ramsey

December 10, 2013 (The Dave Ramsey Show)

"Your emergency fund is not an investment; your emergency fund is there for insurance. Insurance costs you money to protect the things that make you money." 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

September 4, 2013 (The Dave Ramsey Show)

"Attend a funeral, go to the hospital, see a sick friend, or talk to somebody that has lost their job, and that will remind you how important having a rainy day fund of 3 to 6 months of expenses is." Dave Ramsey

September 4, 2013 (The Dave Ramsey Show)

"I really want to get wise enough, I started learning from other people's crises instead of my own." Dave Ramsey

July 19, 2013 (The Dave Ramsey Show)

"I don't give out of my emergency fund." Dave Ramsey

April 9, 2013 (The Dave Ramsey Show)

"Buying a home and keeping rental properties when you have no cash position at all is a really good way for life to come along and punch you in the face...you've got no cash to cover mess ups." Dave Ramsey

March 26, 2013 (The Dave Ramsey Show)

"I just hate to use your whole emergency fund but if your car is gone, then that's an emergency." Dave Ramsey

March 21, 2013 (The Dave Ramsey Show)

"If you don't have any debt and you got that rainy fund (emergency fund), you've got the foundation laid in your financial plan to be able to leap forward and do the other big stuff but if you start investing before you have that foundation laid, it's kind of like building the walls before you lay the foundation; they won't stand up." Dave Ramsey

October 23, 2012 (The Dave Ramsey Show)

"Your emergency fund is not really there [on the checking account] to earn money, it's more there as insurance; it just ensures you against Murphy attacking you." 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

September 14, 2012 (The Dave Ramsey Show)

"The thing you want to avoid is calling things emergencies that aren't." Dave Ramsey 

July 12, 2012 (The Dave Ramsey Show)

"Having the money in an emergency fund changes the emergency into an inconvenience." Dave Ramsey

April 27, 2012 (The Dave Ramsey Show)

"I'm praying for the best but we're gonna build the financials for the worst and then if the best happens we're still okay" Dave Ramsey

September 9, 2011 (The Dave Ramsey)

"An emergency fund is not an investment; an emergency fund is insurance. Insurance costs you money to protect your investments so the purpose of this is for it to be available, meaning liquid without penalties and the purpose is not for it to make money" Dave Ramsey

February 8, 2011 (The Dave Ramsey Show)

“When my finances are troubled [and] I’m having a bad time, I’m going to make that better by going into debt. Did that sound logical when I said it? If it did, you’re stupid, seriously” Dave Ramsey