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

Dave Ramsey

There’s a great place to go when you’re broke–to work!
DAVE RAMSEY

Broke Greatness Place Poor Work Yourself
Those who don’t manage their money will always work for those who do.
DAVE RAMSEY

Management Money Work
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
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
Money is 80% behavior, 20% head knowledge. It’s what you do, not what you know.
DAVE RAMSEY

Knowledge Money Yourself
A budget is telling your money where to go instead of wondering where it went.
DAVE RAMSEY

Direction Money Yourself
Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!
DAVE RAMSEY

Building Mission Statement Wrong
If you help enough people, you don’t have to worry about money.
DAVE RAMSEY

Enough Help People Worry Yourself
Broke is normal. Why be normal?
DAVE RAMSEY

Broke Normal One Liner
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
You can’t be in debt and win. It doesn’t work.
DAVE RAMSEY

Debt Win Work Yourself
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
You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.
DAVE RAMSEY

Dance Different Listening Normal Sound Walk Wealth Yourself
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
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
More wealth doesn’t fix your life. More wealth makes you more of what you already are.
DAVE RAMSEY

Fix Life Money Wealth 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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