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

Dave Ramsey

Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.
DAVE RAMSEY

Action Day Diligent Discipline Work
You will only sacrifice when you passionately believe in the outcome.
DAVE RAMSEY

Believe Passion Sacrifice Yourself
A lower interest rate doesn’t make a debt go away.
DAVE RAMSEY

Debt Interest Lower Money
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
If you aren’t really careful, ‘The Good Enough’ can become the enemy of ‘The Best.’
DAVE RAMSEY

Best Care Enemy Enough Goodness
Those who don’t manage their money will always work for those who do.
DAVE RAMSEY

Management Money Work
Debt is dumb. Cash is king.
DAVE RAMSEY

Cash Debt Dumb King One Liner
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
Earning a lot of money is not the key to prosperity. How you handle it is.
DAVE RAMSEY

Handle Money Prosperity Yourself
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 can’t be in debt and win. It doesn’t work.
DAVE RAMSEY

Debt Win Work 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
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
A budget is telling your money where to go instead of wondering where it went.
DAVE RAMSEY

Direction Money 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
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

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

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

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