Dave Ramsey

You must draw a line in the sand and say, 'I will never borrow again.'

Remember, if the Joneses (all the broke people) think you are cool, you are heading the wrong way. If they think you are crazy, you are probably on track.

You must walk to the beat of a different drummer, the same beat that the wealthy hear. If the beat sounds common or normal, evacuate the dance floor immediately. The goal is not to be normal because, as my radio listeners know by now, normal is broke.

The lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact.

The good thing about principles is that they make life easy. I have heard it said that when someone bases his life on principle, 99 percent of his decisions are already made.

19% of the people who filed for bankruptcy in 2002 were college students.

Don’t even consider keeping up with the Joneses. THEY’RE BROKE!

If you hate your career path, change it.

To start the Baby Steps, we will work on one important step to the exclusion of others. Patience! We will climb the whole mountain, but not until we first have a strong base camp.

It is really hard to sell books and DVDs that teach the necessity of lots of hard work, living on less than you make, getting out of debt, and living on a plan, but I’m trying—because it’s the only way that will work. Meanwhile, the sooner you understand that no one gets rich quick by using secret information, the better.

For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.

We hire and keep only people who are sold-out passionate about our cause. You cannot work on my team if you are simply looking for a J-O-B.

So our playbook has truly become “everything you want to know about building and running a business but didn’t know who to ask.”

Goals are visions and dreams with work clothes on.

Henry Ford said, “Those who never make mistakes work for those of us who do.”

Zig Ziglar says, “People say motivation doesn’t last, well neither does bathing, that is why we recommend both daily.”

Leo Buscaglia said, “Your talent is God’s gift to you. What you do with it is your gift back to God.”

To create big-time success you have to stay focused and stay intense over an extended period of time.

Unity, like so many other things in this book, is seldom found in companies but is always found in great companies.