Dave Ramsey is a well-known financial guru who helps people take control of their money and become financially and debt free. When Dave was 26, he already had a net worth of over a million dollars, however, he had a lot of debt from his real estate ventures also. Because of this, he had to file for bankruptcy.

After losing everything, he began to learn everything about money such as how to control it and not let it control you. This quest led him to take control of his life and rebuild himself into the multimillion dollar financial advisor who’s helped millions of people get out of debt and take control of their life.

Below are 22 Dave Ramsey quotes which will help you learn how to manage your money and be debt free:

1. “If you will live like no one else, later you can live like no one else.” – Dave Ramsey

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

3. “Act your wage.” – Dave Ramsey

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

5. “For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.” – Dave Ramsey

6. “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

7. “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.” – Dave Ramsey

8. “Aristotle once said, “To avoid criticism say nothing, do nothing, and be nothing.” – Dave Ramsey

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

10. “Measure your wealth not by the things you have, but by the things for which you would not take money.” – Dave Ramsey

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

12. “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

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

14. “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.” – Dave Ramsey

15. “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.” – Dave Ramsey

16. “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.” – Dave Ramsey

17. “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

18. “It takes some discipline and hard work, but relying on credit when things go wrong is a trap.” – Dave Ramsey

19. “Most of the things we buy are wants. And we call them needs, but they’re wants.” –Dave Ramsey

20. “You never cash out a 401(k) or IRA to pay off debt, unless it’s to avoid a foreclosure or bankruptcy.” – Dave Ramsey

21. “When people get scared, they quit giving.” – Dave Ramsey

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

Which one of the above Dave Ramsey quotes resonates most with you?