January 13, 2015 (The Dave Ramsey Show)

"I tell people to stop all retirement contributions while you're attacking your debt snowball because their is a power to focus." Dave Ramsey

August 25, 2014 (The Dave Ramsey Show)

"One of the things you have to do if you're gonna win with money is you have to learn the ancient word, which is an indication of emotional maturity...it's a strange word: No." Dave Ramsey

August 25, 2014 (The Dave Ramsey)

"When you're in Baby Step 2 working the debt snowball, I want you so focused that you're not doing anything except knocking that debt out. There is a power to that passionate focus that on a temporary basis supersedes mathematics." Dave Ramsey

July 25, 2014 (The Dave Ramsey Show)

"You need to understand that personal finance is 80% behavior and it's only 20% head knowledge...if all those debts were 0% interest it wouldn't matter, you'd still have to figure out a way to keep you engaged in the process and that is why the debt snowball, listing them smallest to largest is the most efficient and likely way for you to get out of debt." Dave Ramsey

July 8, 2014 (The Dave Ramsey Show)

"I don't see couples really winning at this getting out of debt, investing, and saving stuff until they learn to work together; separate finances just don't work." 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

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

April 28, 2014 (The Dave Ramsey Show)

"When you try to do 3 or 4 things at once, nothing gets done. There's tremendous power on focus." Dave Ramsey 

April 11, 2014 (The Dave Ramsey Show)

"There's two rules when you are settling an old bad debt: #1 is always get it in writing, if it's not in writing it didn't happen and rule #2 is never give them electronic access to your checking account or they'll clean you out." Dave Ramsey 

April 11, 2014 (The Dave Ramsey Show)

"You gotta break the back of this idea that debt is okay because we can make the payments; if I told you what those payments going into a Mutual Fund would be worth by the time you retire, you would throw up." Dave Ramsey

April 11, 2014 (The Dave Ramsey Show)

"Changing behavior and cutting lifestyle and living on nothing is what pays off debt; interest rate is very seldom the problem." Dave Ramsey

March 11, 2014 (The Dave Ramsey Show)

"If I can control this idiot in the mirror, he can be skinny and rich." Dave Ramsey

March 11, 2014 (The Dave Ramsey Show)

"You can't borrow your way out of debt." 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

December 10, 2013 (The Dave Ramsey Show)

"Don't believe people when they say the debit card has higher risk for theft and fraud than a credit card does; Master Card and Visa both have debit card programs and they are treated exactly the same if you're not using your pin and running it through their system using the purchases as if it were a credit card." Dave Ramsey

November 28, 2013 (The Dave Ramsey Show)

"If you try to clean the messes up before you put gas back in the marriage tank, you're gonna run out of gas." Dave Ramsey

November 13, 2013 (The Dave Ramsey Show)

"There's a thing that happens when you get your home paid-off that supersedes mathematics; there is a greater benefit that you can tell mathematically." Dave Ramsey

August 26, 2013 (The Dave Ramsey Show)

"Debt is not your friend and the best way to build wealth is to get out of debt." Dave Ramsey

August 22, 2013 (The Dave Ramsey Show)

"If you don't have it in writing, it didn't happen." Dave Ramsey

August 6, 2013 (The Dave Ramsey Show)

"Beans and rice, rice and beans, no eating out, no vacations, we're attacking the crap out of this thing man." Dave Ramsey