37 Dave Ramsey Quotes on Getting Out of Debt

Dave Ramsey is one of the most famous motivational speakers in the United States on gaining one’s financial freedom from debt. We have published a number of his quotes on getting out of debt and financial management for you to enjoy. Mr. Ramsey is also known for his radio show, being a big TV personality, and best-selling author. If you have any favorite quotes that you would like to share, please do so in the comments section of this article. Most of his quotes cover his thoughts on getting out of debt and reaching your financial goals and dreams. If you are new to reading Mr. Ramsey’s tips, then you should also consider reviewing his 7 Steps to Financial Peace.

Dave Ramsey Quotes on Debt and Finances

1. “Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.” – Dave Ramsey

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

3. “You’ve got to tell your money what to do or it will leave.” – Dave Ramsey

4. “Adults devise a plan and follow it, children do what feels good.” — Dave Ramsey

5. “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

6. “After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it.” – Dave Ramsey

7. “Broke is normal. Why be normal?” – Dave Ramsey

8. “I’m not against people having new cars. I’m against them having you. We spend a tremendous amount impressing somebody at the stoplight who we’ll never meet. It makes you broke and keeps you broke.” – Dave Ramsey

9. “Those who don’t manage their money will always work for those who do.” – Dave Ramsey

10. “You must plan your work and then work your plan.” – Dave Ramsey

11. “Ideas are a dime a dozen. People who execute them are not.” – Dave Ramsey

12. “What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.” – Dave Ramsey

13. “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

14. “Success is a pile of failure that you are standing on.” – Dave Ramsey

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

16. “The world will try to tell you that you need stuff to be somebody. Don’t listen.” – Dave Ramsey

17. “One definition of maturity is learning to delay pleasure.” — Dave Ramsey

18. “Debt is so ingrained into our culture that most Americans can’t even envision a car without a payment … a house without a mortgage … a student without a loan … and credit without a card. We’ve been sold debt with such repetition and with such fervor that most folks can’t conceive of what it would be like to have NO payments.” – Dave Ramsey

19. “Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.” – Dave Ramsey

20. “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

21. “The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.” – Dave Ramsey

22. “The number one problem that causes student load debt? Parents that suck.” – Dave Ramsey

23. “Wealth comes from hard work but not because of hard work. Wealth comes because of God. Everything is His.” Dave Ramsey

24. “It’s never too late to turn things around. You are the only obstacle.” – Dave Ramsey

25. “The WORST thing you can do in this economy is get a second job! The BEST thing you can do is begin a home-based business!” — Dave Ramsey

26. “I’m a Christian. Years ago, I went broke, so I decided to run every part of my life according to the Bible. It sounds hokey, but it works. You run your marriage that way, and it works. It will work with business, too, and finances. Treat people like you want to be treated.” – Dave Ramsey

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

28. “If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don’t owe anyone an apology for winning.” – Dave Ramsey

29. “Pray like it all depends on God, but work like it all depends on you.” – Dave Ramsey

30. “Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.” – Dave Ramsey

31. “The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.” – Dave Ramsey

32. “Debt is normal. Be weird.” — Dave Ramsey

33. “You can’t be in debt and win. It doesn’t work.” — Dave Ramsey

34. “Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.” – Dave Ramsey

35. “Don’t buy things you can’t afford, with money you don’t have, to impress people you don’t like.” – Dave Ramsey

36. “Live like no else today, so you can live like no else tomorrow.” – Dave Ramsey

37. “You can get anywhere if you simply go one step at a time.” – Dave Ramsey


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