Dave Ramsey

The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.

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.

You've got to tell your money what to do or it will leave.

I believe that through knowledge and discipline, financial peace is possible for all of us.

You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your other financial responsibilities.

While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon.

Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life.

Once I will warn you, and then I will fire you! I have a zero-tolerance-plus-one policy for gossip. I will teach you once, and then I will fire your butt.

Credit is an 'I love debt' score.

Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest.

If you're able to pay your bills, you pay your bills. It's as simple as that.

You can't be in debt and win. It doesn't work.