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A lower interest rate doesn’t make a debt go away.

Dave Ramsey

Debt is dumb. Cash is king.
DAVE RAMSEY

Cash Debt Dumb King One Liner
There’s a great place to go when you’re broke–to work!
DAVE RAMSEY

Broke Greatness Place Poor Work Yourself
You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.
DAVE RAMSEY

Dance Different Listening Normal Sound Walk Wealth Yourself
Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.
DAVE RAMSEY

Focus Oneself Step Time Try
The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.
DAVE RAMSEY

Choice Home Place Status Symbol
Debt gives you the ability to look like you’re winning when you’re not.
DAVE RAMSEY

Ability Appearance Win Yourself
You can’t be in debt and win. It doesn’t work.
DAVE RAMSEY

Debt Win Work Yourself
Where you are today is the sum of every choice you’ve ever made. If you don’t like where you are, start making different choices!
DAVE RAMSEY

Choice Day Different Start Yourself
I would not pre-pay. I would invest instead and let the investments cover it.
DAVE RAMSEY

Investment Myself Pay
Be an evangelist with your excellence.
DAVE RAMSEY

Excellence One Liner
Those who don’t manage their money will always work for those who do.
DAVE RAMSEY

Management Money Work
Contentment is both the fruit and the tree.
DAVE RAMSEY

Advice Contentment Fruit Tree
The average millionaire can’t tell you who got thrown off the island last night.
DAVE RAMSEY

Average Fire Job Lost Millionaire
You will either learn to manage money, or the lack of it will manage you.
DAVE RAMSEY

Learning Management Money Yourself
Success is a pile of failure that you are standing on.
DAVE RAMSEY

Stand Success Yourself
Work-get paid; don’t work-don’t get paid. Everybody is on commission.
DAVE RAMSEY

Commission Paid Work

A lower interest rate doesn’t make a debt go away.

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A lower interest rate doesn’t make a debt go away.

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