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Fear is the enemy of hope.

Dave Ramsey

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
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
Ideas are a dime a dozen. People who execute them are not.
DAVE RAMSEY

Execution Ideas People
Broke people giving financial advice is like a shop teacher with missing fingers.
DAVE RAMSEY

Advice Broke Financial Fingers Missing People
Just keep taking the next step and keep having excellence in the ordinary.
DAVE RAMSEY

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

Action Day Diligent Discipline Work
We live in a culture full of hares; but the tortoise always wins.
DAVE RAMSEY

Culture Live Win
Great talent stands in line to join your team because the culture becomes the stuff of legend.
DAVE RAMSEY

Culture Greatness Legend Talent Team
True leadership is servanthood. Put the interests of others at the center of your decisions.
DAVE RAMSEY

Decision Interest Leadership True Yourself
If you will make the sacrifices now that most people aren’t willing to make, later on you will be able to live as those folks will never be able to live.
DAVE RAMSEY

Friendship Live People Sacrifice Willing
A lower interest rate doesn’t make a debt go away.
DAVE RAMSEY

Debt Interest Lower Money
Delegation requires the willingness to pay for short term failures in order to gain long term competency.
DAVE RAMSEY

Delegation Failure Pay Willing
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
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
You have the clean canvas of a whole week before you. Paint well.
DAVE RAMSEY

Art Cleaning Paint Yourself
People are in such a hurry to launch their product or business that they seldom look at marketing from a bird’s eye view and they don’t create a systematic plan.
DAVE RAMSEY

Business Creation People Planning Product

Fear is the enemy of hope.

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Fear is the enemy of hope.

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