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

Dave Ramsey

If you come with mercy but not justice; that’s called enabling.
DAVE RAMSEY

Justice Mercy Yourself
A budget is telling your money where to go instead of wondering where it went.
DAVE RAMSEY

Direction Money 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
Leading a family is the hardest job a man can ever have.
DAVE RAMSEY

Family Hard Job Leadership Man
You have the clean canvas of a whole week before you. Paint well.
DAVE RAMSEY

Art Cleaning Paint Yourself
Earning a lot of money is not the key to prosperity. How you handle it is.
DAVE RAMSEY

Handle Money Prosperity Yourself
I believe that through knowledge and discipline, financial peace is possible for all of us.
DAVE RAMSEY

Believe Discipline Knowledge Myself Possible
You can get anywhere if you simply go one step at a time.
DAVE RAMSEY

Simplicity Time Yourself
You don’t build wealth with credit card rewards and airline miles. You can’t beat the credit card companies at their own game.
DAVE RAMSEY

Build Company Game Reward Wealth Yourself
When I do something stupid with money and lose it, I call that Stupid Tax. I have paid so much Stupid Tax that I am expert.
DAVE RAMSEY

Funny Lose Money Myself Stupidity Tax
Fear is the enemy of hope.
DAVE RAMSEY

Enemy Fear Hope One Liner
Be an evangelist with your excellence.
DAVE RAMSEY

Excellence One Liner
If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.
DAVE RAMSEY

Apology Hard Work Integrity Perseverance Win
You will only sacrifice when you passionately believe in the outcome.
DAVE RAMSEY

Believe Passion Sacrifice Yourself
Financial Security is not enough money to buy toys. That is to learn to live with less money than you earn. So, you can help other individuals or investors. You are not a winner until done it.
DAVE RAMSEY

Financial Help Investment Learning Live Money Security Win Yourself
If you will live like no one else, later you can live like no one else.
DAVE RAMSEY

Live Oneself Yourself

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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