Your greatest wealth-building tool is your INCOME. Putting it away for five years or less is called saving. For more than five years, it is investing.
-Dave Ramsey, September 20

Patience requires DISCIPLINE. You have to silence that little kid inside who says, “I want it, I want it right now, and I’m tired of fooling with you.”
-Dave Ramsey, September 15

HARD WORK opens locked doors. Prayer is vital, but God is not in the business of rewarding the lazy. When opportunity knocks don’t be surprised if it is wearing work clothes.
-Dave Ramsey, September 5

Every other culture negotiates everything. NEGOTIATION is a way of life. They are insulted if you do not engage them in negotiation. But not us.
-Dave Ramsey, August 19

A good rule of thumb is this: You need to have life insurance that pays about 10 TIMES your income, so at 10% return, your income will be replaced.
-Dave Ramsey, August 17

Why S&P downgraded​…

• U.S. Tax Revenue: $2,170,000​,000,000
• Federal Budget: $3,820,000​,000,000
• New Debt: $1,650,000,​000,000
• National Debt: $14,271,00​0,000,000
• Recent Budget Cut: $38,500,000​,000

Let’s remove 8 zeros and pretend it’s a household budget…

• Annual Family Income: $21,700
• Money the Family Spent: $38,200
• New Debt on the Credit Card: $16,500
• Outstanding Balance on the Credit Card: $142,710
• Total Budget Cuts: $385

This makes sense, doesn’t it?

Health insurance, disability, auto and homeowner’s CATCH the big stuff. You handle the little stuff with an emergency fund and solid financial planning.
-Dave Ramsey, July 21

Happiness is where you are right NOW. Claim it for yourself. Don’t let stuff get in that equation. You’ll chase it and you’ll never catch it.
-Dave Ramsey, July 5

The understanding that wealth is really GOD’S and you are managing it not only for yourself, but also for the good of others, frees you.
-Dave Ramsey, July 4