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You don’t build wealth with credit card rewards and airline miles. You can’t beat the credit card companies at their own game.

Dave Ramsey

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

Key Momentum Quick Small Win
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
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
You can get anywhere if you simply go one step at a time.
DAVE RAMSEY

Simplicity Time Yourself
Teaching kids about money is never just about money.
DAVE RAMSEY

Children Money Teaching
I believe that through knowledge and discipline, financial peace is possible for all of us.
DAVE RAMSEY

Believe Discipline Knowledge Myself Possible
Surround yourself with people who add the fuel of advice and encouragement to your fire.
DAVE RAMSEY

Add Advice Encouragement Fire People Surround 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
Earning a lot of money is not the key to prosperity. How you handle it is.
DAVE RAMSEY

Handle Money Prosperity Yourself
Remember, there’s ultimately only one way to financial peace, and that’s to walk daily with the Prince of Peace, Christ Jesus.
DAVE RAMSEY

Financial Oneself Peace Remember Walk Way
You will only sacrifice when you passionately believe in the outcome.
DAVE RAMSEY

Believe Passion Sacrifice Yourself
A budget is telling your money where to go instead of wondering where it went.
DAVE RAMSEY

Direction Money Yourself
If you come with mercy but not justice; that’s called enabling.
DAVE RAMSEY

Justice Mercy 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
True leadership is servanthood. Put the interests of others at the center of your decisions.
DAVE RAMSEY

Decision Interest Leadership True Yourself
You don’t build wealth with credit card rewards and airline miles. You can’t beat the credit card companies at their own game.
DAVE RAMSEY

Build Company Game Reward Wealth Yourself
Contentment is both the fruit and the tree.
DAVE RAMSEY

Advice Contentment Fruit Tree
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
Opening your hands will set you free.
DAVE RAMSEY

Freedom Hands Open Yourself
Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.
DAVE RAMSEY

Action Day Diligent Discipline Work
Be an evangelist with your excellence.
DAVE RAMSEY

Excellence One Liner
You must gain control over your money or the lack of it will forever control you.
DAVE RAMSEY

Control Forever Money Yourself
The paid-off home mortgage has taken the place of the BMW as the status symbol of choice.
DAVE RAMSEY

Choice Home Place Status Symbol
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
Your priorities, passions, goals, and fears are shown clearly in the flow of your money.
DAVE RAMSEY

Fear Flow Goal Money Passion Priority 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
Broke is normal. Why be normal?
DAVE RAMSEY

Broke Normal One Liner

You don’t build wealth with credit card rewards and airline miles. You can’t beat the credit card companies at their own game.

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You don’t build wealth with credit card rewards and airline miles. You can’t beat the credit card companies at their own game.

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