Home Finance 38 Dave Ramsey Quotes for Big Spenders: Who Are You Trying to Impress Anyway?

38 Dave Ramsey Quotes for Big Spenders: Who Are You Trying to Impress Anyway?

by Lois Earles

Everyone knows that money cannot buy happiness, but you still need it to survive. That’s why I decided to look through some Dave Ramsey quotes to inspire myself to finally start saving more.

Now, I wouldn’t say I don’t act my wage, but sometimes, my wants aren’t really my needs. So, I often find myself having to block my favorite websites because online shopping, for example, is my guilty pleasure.

But, it’s time to face the truth and start thinking about the future. Without further ado, here are some Dave Ramsey quotes that can help anyone finally get their finances under control.

38 Dave Ramsey Quotes About Money Struggles and How to Avoid Them

Best Dave Ramsey Quotes About Debt, Credit Cards, and Loan Traps

#1. “A lower interest rate doesn’t make the debt go away.”

#2. “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.”

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

#4. “It takes some discipline and hard work, but relying on credit when things go wrong is a trap.”

#5. “You can’t be in debt and win. It doesn’t work.”

#6. “There are no shortcuts when it comes to getting out of debt.”

#7. “I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.”

Dave Ramsey Quotes About Teaching Children About Money

#8. “As parents, we teach our kids about things we feel competent in. That’s why so many parents don’t teach their kids about money.”

#9. “The number one problem that causes student loan debt? Parents that suck.”

#10. “Parents who let teens run around with unearned adult freedoms are naive and stupid.”

Dave Ramsey Quotes to Inspire a Better Financial Future

#11. “If people in America would get their finances together and start taking care of each other, we could put the government out of business.”

#12. “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.”

#13. “There is nothing wrong with having nice things, but when you are trying to buy nice things to be happy, you are going to hurt. It’s not going to work.”

#14. “Earning a lot of money is not the key to prosperity. How you handle it is.”

#15. “I would not pre-pay. I would invest instead and let the investments cover it.”

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

#17. “Saving must become a priority, not just a thought. Pay yourself first.”

#18. “A budget isn’t about restricting what you can spend. It gives you permission to spend without guilt or regret.”

#19. “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.”

#20. “A budget is people telling their money where to go instead of wondering where it went.”

#21. “Measure your wealth not by the things you have, but by the things for which you would not take money.”

#22. “Wealth gained by dishonesty will be diminished, but he who gathers by labor will increase.”

#23. “Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.”

Tough Love Dave Ramsey Quotes

#24. “The key to winning with money is to live on less than you make. Act your wage! Quit spending like you are in Congress.”

#25. “Ever notice that when you are broke, everything is an emergency?”

#26. “We buy things we don’t need with money we don’t have to impress people we don’t like.”

#27. “You must gain control over your money, or the lack of it will forever control you.”

#28. “Most of the things we buy are wants. And we call them needs, but they’re wants.”

#29. “If you will live like no one else, later you can live like no one else.”

#30. “If you help enough people, you don’t have to worry about money.”

#31. “You’ve got to tell your money what to do, or it will leave.”

#32. “A typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.”

#33. “Savings without a mission is garbage. Your money needs to work for you, not lie around you.”

#34. “The frog is lured to his death by gradual change. We can lose our health, our fitness, and our wealth gradually, one day at a time.”

 #35. “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.”

#36. “It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.”

#37. “Those who don’t manage their money will always work for those who do.”

#38. “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.”


Money doesn’t grow on trees, unfortunately, so we have to make sure we’re not spending more than we actually have.

Luckily, these Dave Ramsey quotes were just what I needed to inspire me to finally stop being afraid of budgeting and get rid of my credit card debt. Hopefully, you’ll find them inspirational too and realize managing your finances is the best way to secure the lifestyle you both want and need.

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