October 20, 2014 (The Dave Ramsey Show)

"You don't quit on I think I can get some clients when you have a baby to feed." Dave Ramsey

September 8, 2014 (The Dave Ramsey Show)

"If at all possible, get the boat closer to the dock before you jump towards the boat. In other words get some proof of revenue production and expenses and proof that the business idea is going to work by doing it as a side deal before you quit the day job." Dave Ramsey

July 29, 2014 (The Dave Ramsey Show)

"I had a choice of making 20 something thousand dollars a year or going back to doing something entrepreneurial and from the time I went bankrupt I was back in six figures within about 18 months and could always make a lot more on my own than I could make trying to work for somebody else." Dave Ramsey

July 29, 2014 (The Dave Ramsey Show)

"When I went broke, one of the biggest things I had to do, recovery-wise, was to recover spiritually because I felt like crap...it was the lowest point of self-esteem I can remember." Dave Ramsey

July 9, 2014 (The Dave Ramsey Show)

"In sales, there is no substitute for activity. You go out there and you bump into things and they move; whenever you're not bumping into things, nothing moves." Dave Ramsey

July 1, 2014 (The Dave Ramsey Show)

"A lot of people that own a small business, depending on what it is, if you take a manager's salary out, there's nothing there. They don't make a profit which means they don't really own a business, they just own a job." Dave Ramsey

July 1, 2014 (The Dave Ramsey Show)

"Book value of a business is what the business would be worth if you closed it, collected the receivables, sold off the inventory and equipment, how much would you have in your pocket if you did that? That's book value or garage sale value in other words." 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 

February 24, 2014 (The Dave Ramsey Show)

"If some guy has a heating and air company and he grows it to 20 cities versus one truck, why should he apologize?" Dave Ramsey

January 30, 2014 (The Dave Ramsey Show)

"In marketing in general there is no substitute for activity, so when in doubt, you move something." Dave Ramsey

January 2, 2014 (The Dave Ramsey Show)

"The best rate of return anybody can ever make on an investment is on their own business because you're gonna make thousands of a percent return, usually, if you're wise with it." Dave Ramsey

September 23, 2013 (The Dave Ramsey Show)

"You don't need to buy a 1.4 million dollar business when you have $50,000 to your name, you're gonna get yourself in into a pinch and if you bring in six partners you just got six new wives." Dave Ramsey

September 23, 2013 (The Dave Ramsey Show)

"You can start a lot of wonderful small businesses for 5, or 10, 15, or 20 grand." Dave Ramsey

June 17, 2013 (The Dave Ramsey Show)

"I would grow slowly or differently that would cause you to not have to lease or borrow. And that's how I grow my business." Dave Ramsey

June 17, 2013 (The Dave Ramsey Show)

"The two small business categories that fail most often are trucking and restaurants." Dave Ramsey

June 10, 2013 (The Dave Ramsey Show)

"When you sell out a piece of your ownership to people who don't care about your dream and they're just looking for money as a return, you're getting yourself into a potential serious mess." Dave Ramsey

June 10, 2013 (The Dave Ramsey Show)

"I would not advice a small business to seek out investors, period. I advise small businesses to grow with organic cash, meaning, earn the money to grow with. You may grow slower and turn down some big deals...that's okay, I've turned those down over the years. Be the tortoise, don't be the hare." Dave Ramsey

April 23, 2013 (The Dave Ramsey Show)

"When you have other folks that help you execute the plan, then you start to own a business; until you've got some delegation going on, you just own your job." Dave Ramsey

December 11, 2012 (The Dave Ramsey Show)

"You should have the freedom and the liberty in America to be stupid and unreasonable." Dave Ramsey

November 6, 2012 (The Dave Ramsey Show)

"If you just buy a business just cuz it's a good business and just cuz it makes money, it'll get old fast cuz working for yourself [is] working for the meanest, nastiest boss in the world." Dave Ramsey