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At the end of the day we are not selling, we are serving.

Dave Ramsey

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

Investment Myself Pay
A good financial planner is going to do more than pick your funds.
DAVE RAMSEY

Financial Fund Goodness Yourself
Work-get paid; don’t work-don’t get paid. Everybody is on commission.
DAVE RAMSEY

Commission Paid Work
Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.
DAVE RAMSEY

Focus Oneself Step Time Try
Leading a family is the hardest job a man can ever have.
DAVE RAMSEY

Family Hard Job Leadership Man
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
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
We learned early on that if we help enough people, the money will come.
DAVE RAMSEY

Early Enough Help Learning Money People
Teaching kids about money is never just about money.
DAVE RAMSEY

Children Money Teaching
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
Knock out a small debt first so you get a quick win. Momentum is key.
DAVE RAMSEY

Key Momentum Quick Small Win
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
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
It’s never too late to turn things around. You are the only obstacle.
DAVE RAMSEY

Late Obstacle Yourself
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
Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.
DAVE RAMSEY

Diminish Himself Honesty Increase Wealth Work

At the end of the day we are not selling, we are serving.

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At the end of the day we are not selling, we are serving.

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