September 8, 2014 (The Dave Ramsey Show)

"I generally do not tell you to buy your life insurance through your company and the reason is if you get sick, have a cancer scare, or a small heart attack, or got diabetes while you're working there and you leave the company, you have become un-insurable and your insurance does not go with you when you leave the company." Dave Ramsey 

July 25, 2014 (The Dave Ramsey Show)

"I don't recommend long term care insurance until someone is 60 because the percentage of people that spend time on a nursing home prior to 60 is less than one percent." Dave Ramsey

February 3, 2014 (The Dave Ramsey Show)

"Walking around without health insurance is stupid, you're playing Russian Roulette. That's the risk-reward ratio. Financial death is what you're playing with." Dave Ramsey 

February 3, 2014 (The Dave Ramsey Show)

"If you don't get health insurance, you're stupid. The number one cause of bankruptcy is medical bills and unpaid deductibles, with or without health insurance." Dave Ramsey 

January 15, 2014 (The Dave Ramsey Show)

"The average nursing home stay is $50,000 a year and you can crack and scramble a $300,000 nest-egg pretty quick when you start chunking 50 grand out of it a year." 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 25, 2013 (The Dave Ramsey Show)

"The way you answer the question of should I keep insurance is: I'm I okay without it?" Dave Ramsey

August 16, 2013 (The Dave Ramsey Show)

"Insurance doesn't make you money. It costs you money to protect the things that do make you money." Dave Ramsey

July 23, 2013 (The Dave Ramsey Show)

"If you pay for home owner's insurance and your house never burns, you paid for the risk management." Dave Ramsey

July 23, 2013 (The Dave Ramsey Show)

"We recommend long term care insurance because the typical person (80%) will spend some time in a nursing home and it doesn't take long to amount to 30, 40, 50 thousand dollars a year and go from there." Dave Ramsey

April 27, 2012 (The Dave Ramsey Show)

"If you have regular car insurance on a car and it gets totaled, you get a check for the market value of the car prior to the accident" Dave Ramsey

September 12, 2011 (The Dave Ramsey Show)

"Number 1 cause of bankruptcy in America today: medical; number 2 is credit cards" Dave Ramsey

August 26, 2011 (The Dave Ramsey Show)

"The only people that recommend you buy long term care insurance under 60 are long term care insurance salesman" Dave Ramsey

February 21, 2011 (The Dave Ramsey Show)

“You don’t need overdraft protection, if you balance your freaking checkbook, here’s an idea: balance your checkbook! Don’t write checks for money that’s not in the bank; a 7th grader can do that but the Federal Government has to pass a law because a segment of America has become so STUPID” Dave Ramsey

December 8, 2010 (The Dave Ramsey Show)

“With no debt and a pile of assets, your need for [life] insurance goes away; you become self ensured” Dave Ramsey

December 8, 2010 (The Dave Ramsey Show)

“As long as you’re able to take care of your necessities (food, shelter, clothing, transportation, and utilities) then I would quickly move right along into health insurance” Dave Ramsey

December 8, 2010 (The Dave Ramsey Show)

“I wouldn’t worry much about term life [insurance] if you’re single but I would worry about health insurance immediately” Dave Ramsey

November 17, 2010 (The Dave Ramsey Show)

"I strongly recommend long term care insurance for anyone that is over 60; the cost of nursing home 30 to 50 thousand dollars a year will crack and scramble even a good sized nest egg pretty quickly" Dave Ramsey

November 1, 2010 (The Dave Ramsey Show)

"You have less than a 1% chance of spending time on a nursing home prior to 60, so why would you buy an insurance for something you have less than 1% chance of?" Dave Ramsey