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

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Apology Hard Work Integrity Perseverance Win

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

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

Debt Interest Lower Money
The world will try to tell you that you need stuff to be somebody. Don’t listen.
DAVE RAMSEY

Listening Material Need World Yourself
Fear is the enemy of hope.
DAVE RAMSEY

Enemy Fear Hope One Liner
Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.
DAVE RAMSEY

Action Day Diligent Discipline Work
Doing a budget means learning an ancient and powerful word: NO.
DAVE RAMSEY

Ancient Learning No Powerful Word
You will either learn to manage money, or the lack of it will manage you.
DAVE RAMSEY

Learning Management Money Yourself
Goals convert vision into ENERGY.
DAVE RAMSEY

Convert Energy Goal One Liner Vision
Teaching kids about money is never just about money.
DAVE RAMSEY

Children Money Teaching
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
Goals are visions and dreams with work clothes on.
DAVE RAMSEY

Clothes Dreams Goal Vision
You must gain control over your money or the lack of it will forever control you.
DAVE RAMSEY

Control Forever Money Yourself
Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.
DAVE RAMSEY

Financial Investment Learning Live Peace Yourself
At the end of the day we are not selling, we are serving.
DAVE RAMSEY

Day End Perspective Sell Service
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
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 you’re trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive.
DAVE RAMSEY

Achievement Goal Grace Negative People Positive Surround Yourself

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