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The average millionaire can’t tell you who got thrown off the island last night.

Dave Ramsey

Poor is a state of mind. Broke is, ‘I’m just passing through.’
DAVE RAMSEY

Mindset Myself Poor State
A lower interest rate doesn’t make a debt go away.
DAVE RAMSEY

Debt Interest Lower Money
Great talent stands in line to join your team because the culture becomes the stuff of legend.
DAVE RAMSEY

Culture Greatness Legend Talent Team
Doing a budget means learning an ancient and powerful word: NO.
DAVE RAMSEY

Ancient Learning No Powerful Word
Goals convert vision into ENERGY.
DAVE RAMSEY

Convert Energy Goal One Liner Vision
Knock out a small debt first so you get a quick win. Momentum is key.
DAVE RAMSEY

Key Momentum Quick Small Win
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
You will only sacrifice when you passionately believe in the outcome.
DAVE RAMSEY

Believe Passion Sacrifice 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
You will either learn to manage money, or the lack of it will manage you.
DAVE RAMSEY

Learning Management Money Yourself
If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.
DAVE RAMSEY

Apology Hard Work Integrity Perseverance Win
If you help enough people, you don’t have to worry about money.
DAVE RAMSEY

Enough Help People Worry 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
When I do something stupid with money and lose it, I call that Stupid Tax. I have paid so much Stupid Tax that I am expert.
DAVE RAMSEY

Funny Lose Money Myself Stupidity Tax
Delegation requires the willingness to pay for short term failures in order to gain long term competency.
DAVE RAMSEY

Delegation Failure Pay Willing
Work-get paid; don’t work-don’t get paid. Everybody is on commission.
DAVE RAMSEY

Commission Paid Work

The average millionaire can’t tell you who got thrown off the island last night.

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The average millionaire can’t tell you who got thrown off the island last night.

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