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

Dave Ramsey

It’s never too late to turn things around. You are the only obstacle.
DAVE RAMSEY

Late Obstacle Yourself
The average millionaire can’t tell you who got thrown off the island last night.
DAVE RAMSEY

Average Fire Job Lost Millionaire
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
Financial winners don’t run sprints, they run marathons. They don’t rush. They do it step by step over time.
DAVE RAMSEY

Financial Run Rush Spirit Time Win
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
You can’t work three hours a week and make $100,000. Get rich quick doesn’t work. Crock pot mentality always defeats microwave mentality!
DAVE RAMSEY

Defeat Mental Quick Rich Thinking Time Work
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
Just keep taking the next step and keep having excellence in the ordinary.
DAVE RAMSEY

Excellence Ordinary
You must gain control over your money or the lack of it will forever control you.
DAVE RAMSEY

Control Forever Money Yourself
Gratitude is really, really attractive. A child who is genuinely grateful makes you want to do anything for her, and that is true of adults as well.
DAVE RAMSEY

Adult Attraction Children Gratitude Herself True
The world will try to tell you that you need stuff to be somebody. Don’t listen.
DAVE RAMSEY

Listening Material Need World Yourself
Knock out a small debt first so you get a quick win. Momentum is key.
DAVE RAMSEY

Key Momentum Quick Small Win
Outrageous generosity is a character quality of people who win with money.
DAVE RAMSEY

Character Generosity Money People Quality Win Yourself
Ideas are a dime a dozen. People who execute them are not.
DAVE RAMSEY

Execution Ideas People
I believe that through knowledge and discipline, financial peace is possible for all of us.
DAVE RAMSEY

Believe Discipline Knowledge Myself Possible
Good things that cannot be calculated or quantified are set in motion in your life and in your finances when you give.
DAVE RAMSEY

Calculation Financial Goodness Life Motion 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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