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

Dave Ramsey

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
I would not pre-pay. I would invest instead and let the investments cover it.
DAVE RAMSEY

Investment Myself Pay
Those who don’t manage their money will always work for those who do.
DAVE RAMSEY

Management Money Work
The first step in taking control of your money is to stop borrowing money. Start using cash today.
DAVE RAMSEY

Cash Control Money Start Yourself
A big part of being strong financially is that you know where you are weak and take action to make sure you don’t fall prey to the weakness. And we ALL are weak.
DAVE RAMSEY

Fall Financial Strong Weakness Yourself
Doing a budget means learning an ancient and powerful word: NO.
DAVE RAMSEY

Ancient Learning No Powerful Word
A good financial planner is going to do more than pick your funds.
DAVE RAMSEY

Financial Fund Goodness Yourself
Opening your hands will set you free.
DAVE RAMSEY

Freedom Hands Open Yourself
Money… is like a beautiful thoroughbred horse – very powerful & always in action, but unless this horse is trained when very young, it will be an out-of-control & dangerous animal when it grows to maturity.
DAVE RAMSEY

Action Animal Beautiful Dangerous Growth Maturity Money Powerful
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
If you come with mercy but not justice; that’s called enabling.
DAVE RAMSEY

Justice Mercy Yourself
You must plan your work and then work your plan.
DAVE RAMSEY

Inspirational Planning Work Yourself
We learned early on that if we help enough people, the money will come.
DAVE RAMSEY

Early Enough Help Learning Money People
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
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
The world will try to tell you that you need stuff to be somebody. Don’t listen.
DAVE RAMSEY

Listening Material Need World 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
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
Ideas are a dime a dozen. People who execute them are not.
DAVE RAMSEY

Execution Ideas People
Contentment is both the fruit and the tree.
DAVE RAMSEY

Advice Contentment Fruit Tree
When you create a basic budget and stick to it, it will suddenly seem like you have more money.
DAVE RAMSEY

Appearance Budget Creation Money Yourself
Debt is dumb. Cash is king.
DAVE RAMSEY

Cash Debt Dumb King One Liner
Goals are visions and dreams with work clothes on.
DAVE RAMSEY

Clothes Dreams Goal Vision
No one got rich on a government program. Do not choose to be a common man. You can be uncommon.
DAVE RAMSEY

Government Man Program Rich Yourself
People are in such a hurry to launch their product or business that they seldom look at marketing from a bird’s eye view and they don’t create a systematic plan.
DAVE RAMSEY

Business Creation People Planning Product
You must gain control over your money or the lack of it will forever control you.
DAVE RAMSEY

Control Forever Money Yourself
Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.
DAVE RAMSEY

God Hard Work Himself Religious Wealth

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

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

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