25 Dave Ramsey Quotes On Wealth, Success and Debt

I really think that you are going to enjoy reading this wonderful collection of Dave Ramsey Quotes.

Dave Ramsey is a popular money-management expert, successful author and radio personality. His best-selling books on finance have sold more than 10 million copies combined.

By age 26 Dave Ramsey had established a $4 million real estate portfolio, only to lose it all by the age 30.

After losing everything, Dave Ramsey went on a quest to find out how money really works and how he could take control of it.

He read everything that he could get his hands on about money and how to keep it. This passionate quest of financial knowledge led him to a really uncomfortable place: ‘his mirror’ as he calls it.

Dave Ramsey came to realize that his money problems, worries and shortages largely began and ended with the person in ‘his mirror’.

This personal financial quest led him to take control of his life and rebuild himself into the highly successful financial advisor that he is today.

Dave Ramsey has helped millions of people to get out of debt and take control of their finances.

‘The Dave Ramsey show’ is one of the most popular radio talk shows in America, it is listened to by millions of people each week who want to get out of debt and create more personal wealth.

Below, are my favorite Dave Ramsey Quotes on taking control of your personal finances.

Dave Ramsey Quotes

1. “A budget is telling your money where to go, instead of wondering where it went.” ― Dave Ramsey

2. “Debt is not a tool; it is a method to make banks wealthy, not you.” ― Dave Ramsey

3. “Save 3-6 months of expenses in a Rainy Day fund. Know why? Cause it is going to rain, and you aren’t the exception.” ― Dave Ramsey

4. “Your greatest asset is your paycheck.” ― Dave Ramsey Quote

5. “You must gain control over your money or the lack of it will forever control you.” ― Dave Ramsey Quote

6. “We have a retirement crisis in America today not from a lack of money, but from a lack of vision.” ― Dave Ramsey

7. “The first step in taking control of your money is to stop borrowing money. Start using cash today.” ― Dave Ramsey

8. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” ― Dave Ramsey

9. “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

10. “We buy things we don’t need, with money we don’t have, to impress people we don’t like.” ― Dave Ramsey

11. “If you help enough people, you don’t have to worry about money.” ― Dave Ramsey

12. “Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!” ― Dave Ramsey

13. “You will either learn to manage money, or the lack of it will manage you.” ― Dave Ramsey

14. “Winning at money is 80 percent behavior and 20 percent head knowledge.” ― Dave Ramsey

Best Dave Ramsey Quotes

15. “Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.” ― Dave Ramsey

16. “I believe that through knowledge and discipline, financial peace is possible for all of us.” ― Dave Ramsey

17. “Rich isn’t an amount of money, it’s a mindset about how you live. If you believe you can win, you can.” ― Dave Ramsey

18. “People will not buy from you if they don’t trust you, your product, and your company.” ― Dave Ramsey

19. “If you wouldn’t want your mother to buy the item or the service, then don’t sell it.” ― Dave Ramsey Quote

20. “Knock out a small debt first so you get a quick win. Momentum is key.” ― Dave Ramsey

21. “Someone who never invests money will never have any.” ― Dave Ramsey

22. “There are no shortcuts when it comes to getting out of debt.” ― Dave Ramsey

23. “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.” ― Dave Ramsey

24. “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

25. “Earning a lot of money is not the key to prosperity. How you handle it is.” ― Dave Ramsey Quote

I really hope that you enjoyed reading this great collection of Dave Ramsey quotes.

As you reflect on these powerful words from Dave Ramsey, remember that financial freedom is not just a dream—it is an exciting journey that can begin with a single step.

Take action today—create a financial plan, stick to it, and trust that your commitment will pay off in the long term.

Your future self will thank you for the hard work and discipline. It’s time to take control of your finances and live the life that you have always envisioned!