June 23, 2014 (The Dave Ramsey Show)

"Sharon and I decided that if we are gonna spend over $300 [on something], we have to wait overnight." Dave Ramsey

May 20, 2014 (The Dave Ramsey Show)

"Toys are fine when they're small percentage of your world and when you're being generous and when you're continuing to invest; you always want to be giving, saving, and enjoying." Dave Ramsey 

May 20, 2014 (The Dave Ramsey Show)

"The way you negotiate anything is this: he with the most information and the most patience wins. If you get married to the transaction, you lose." 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

March 18, 2014 (The Dave Ramsey Show)

"I know wealthy people who have a lot of things who are not materialistic; materialism is not about the amount of stuff, it's about the view of stuff." Dave Ramsey

March 18, 2014 (The Dave Ramsey Show)

"If you eat enough lobster, it tastes like soap." Dave Ramsey

March 18, 2014 (The Dave Ramsey Show)

"Materialism is a form of religion were you are worshiping something, materialism is the worship of stuff." Dave Ramsey

September 12, 2013 (The Dave Ramsey Show)

"The best vacations I've ever had are ones that don't follow me home, the best food I've ever eaten is food that I can afford." Dave Ramsey

September 12, 2013 (The Dave Ramsey Show)

"Reasonable is based on ratios...it's okay to enjoy some things as part of your handling money well but you're always looking at ratios." Dave Ramsey

September 5, 2013 (The Dave Ramsey Show)

“You know you’re not in Congress, you can’t spend more than you make.” Dave Ramsey

August 23, 2013 (The Dave Ramsey Show)

"I will buy an experience before I will an item." Dave Ramsey

August 7, 2013 (The Dave Ramsey Show)

"If your identity is in your stuff, you know what you are? Shallow, you're pitiful." Dave Ramsey

July 15, 2013 (The Dave Ramsey Show)

"Almost everything is a want. We all got enough food, clothes, shelter, transportation; better of all of those things is a want." Dave Ramsey

June 21, 2013 (The Dave Ramsey Show)

"So you want a lot of things at the same time and you don't have the money to do all of the things you want? So you need to choose." Dave Ramsey

May 31, 2013 (The Dave Ramsey Show)

"You just can't spending like a drunken congressman and end up being anything but broke." 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 6, 2013 (The Dave Ramsey Show)

"If you cannot afford the medical care of a pet, you cannot afford the pet." Dave Ramsey

April 29, 2013 (The Dave Ramsey Show)

"If you are saving money for a goal that is 5 years or less, I simply would use a money market account." Dave Ramsey

March 6, 2013 (The Dave Ramsey Show)

"Real men buy their toys after the family goals are met." Dave Ramsey

February 15, 2013 (The Dave Ramsey Show)

"You cannot overdraft an envelope system." Dave Ramsey