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Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.

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

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

Justice Mercy 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
Debt is normal. Be weird.
DAVE RAMSEY

Debt Normal One Liner Weird
Doing a budget means learning an ancient and powerful word: NO.
DAVE RAMSEY

Ancient Learning No Powerful Word
You must plan your work and then work your plan.
DAVE RAMSEY

Inspirational Planning Work Yourself
You will only sacrifice when you passionately believe in the outcome.
DAVE RAMSEY

Believe Passion Sacrifice Yourself
It’s never too late to turn things around. You are the only obstacle.
DAVE RAMSEY

Late Obstacle 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
The world will try to tell you that you need stuff to be somebody. Don’t listen.
DAVE RAMSEY

Listening Material Need World Yourself
Debt is dumb. Cash is king.
DAVE RAMSEY

Cash Debt Dumb King One Liner
Delegation requires the willingness to pay for short term failures in order to gain long term competency.
DAVE RAMSEY

Delegation Failure Pay Willing
One definition of maturity is learning to delay pleasure.
DAVE RAMSEY

Definition Happiness Learning Maturity Oneself
A good financial planner is going to do more than pick your funds.
DAVE RAMSEY

Financial Fund Goodness 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

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