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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!

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Marilyn Monroe Paulo Coelho Abraham Lincoln C. S. Lewis Khalil Gibran Charlie Chaplin Gautama Buddha Isaac Newton

Investing is important, but get debt-free first. That’s what frees up your income so you can win.
DAVE RAMSEY

Freedom Income Investment Win Yourself
If you help enough people, you don’t have to worry about money.
DAVE RAMSEY

Enough Help People Worry Yourself
Surround yourself with people who add the fuel of advice and encouragement to your fire.
DAVE RAMSEY

Add Advice Encouragement Fire People Surround Yourself
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
Work-get paid; don’t work-don’t get paid. Everybody is on commission.
DAVE RAMSEY

Commission Paid Work
Work is a surefire money-making scheme.
DAVE RAMSEY

Fire Money Scheme Work
The world will try to tell you that you need stuff to be somebody. Don’t listen.
DAVE RAMSEY

Listening Material Need World Yourself
Broke people giving financial advice is like a shop teacher with missing fingers.
DAVE RAMSEY

Advice Broke Financial Fingers Missing People
Knock out a small debt first so you get a quick win. Momentum is key.
DAVE RAMSEY

Key Momentum Quick Small Win
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
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
Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.
DAVE RAMSEY

Better Content Financial Live Powerful Principle
Your priorities, passions, goals, and fears are shown clearly in the flow of your money.
DAVE RAMSEY

Fear Flow Goal Money Passion Priority Yourself
Money is 80% behavior, 20% head knowledge. It’s what you do, not what you know.
DAVE RAMSEY

Knowledge Money Yourself
A lower interest rate doesn’t make a debt go away.
DAVE RAMSEY

Debt Interest Lower Money
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

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