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You will either learn to manage money, or the lack of it will manage you.

Dave Ramsey

Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.
DAVE RAMSEY

Character Evil Goodness Intention Money Moral Reflection
Rich isn’t an amount of money, it’s a mindset about how you live. If you believe you can win, you can.
DAVE RAMSEY

Amount Believe Inspirational Live Mindset Money Rich Yourself
Success is a pile of failure that you are standing on.
DAVE RAMSEY

Stand Success Yourself
Be very proud of what you do, and if you aren’t then change it.
DAVE RAMSEY

Change Inspirational Proud Yourself
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.
DAVE RAMSEY

Family Future Goodness Stand Wrong
When getting help with money, whether it is insurance, real estate or investments you should always look for a person with the heart of a teacher, not the heart of a salesman.
DAVE RAMSEY

Heart Help Man Money Person Teacher Yourself
Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.
DAVE RAMSEY

Change Courage Deep Pain Seek
The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.
DAVE RAMSEY

Course Decision Life Yourself
A lower interest rate doesn’t make a debt go away.
DAVE RAMSEY

Debt Interest Lower Money
Debt gives you the ability to look like you’re winning when you’re not.
DAVE RAMSEY

Ability Appearance Win 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
We learned early on that if we help enough people, the money will come.
DAVE RAMSEY

Early Enough Help Learning Money People
There’s a great place to go when you’re broke–to work!
DAVE RAMSEY

Broke Greatness Place Poor Work Yourself
Earning a lot of money is not the key to prosperity. How you handle it is.
DAVE RAMSEY

Handle Money Prosperity Yourself
We’ve really got to stop looking to Washington to fix our problems. It obviously doesn’t have the ability to do that. People who are successful are not successful because of the president.
DAVE RAMSEY

Ability President Problem Stop Success
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

You will either learn to manage money, or the lack of it will manage you.

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You will either learn to manage money, or the lack of it will manage you.

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