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Dave Ramsey is a force to be reckoned with. Not alone is he a five-time New York Times bestselling columnist and host of The Dave Ramsey Appearance radio program, he’s a multi-millionaire with bags of acute accounts admonition to share.

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From acrid truths about your accustomed spending habits to acute quotes about how to become a millionaire, these 100 motivational quotes from Dave Ramsey will admonition you apprentice how to advance your banking cachet fast.

So whether you’re attractive for astute tips on how to save added money or allegation admonition addition out how to alpha advantageous off your debt, this big annual of 100 alarming Dave Ramsey quotes can actuate you to booty allegation of your affairs and change your spending habits—so you can assignment against accomplishing real, actual abundance in the actual abreast future.

1. “Pray like it all depends on God, but assignment like it all depends on you.” — Dave Ramsey

2. “For your own good, for the acceptable of your ancestors and your future, abound a backbone. Aback article is wrong, angle up and say it is wrong, and don’t aback down.” — Dave Ramsey

3. “Winning at money is 80 percent behavior and 20 percent arch knowledge.” — Dave Ramsey

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

5. “Someone who never has fun with money misses the point.” — Dave Ramsey

6. “I acquaint anybody never to booty added than a fifteen-year fixed-rate loan, and never accept a acquittal of over 25 percent of your take-home pay. That is the best you should anytime borrow.” — Dave Ramsey

7. “People will not buy from you if they don’t assurance you, your product, and your company.” — Dave Ramsey

8. “If you wouldn’t appetite your mother to buy the annual or the annual again don’t advertise it.” — Dave Ramsey

9. “Debt is not a tool; it is a adjustment to accomplish banks wealthy, not you. The borrower absolutely is bondservant to the lender.” — Dave Ramsey

Related: How One Couple Said Goodbye to $78,00 of Debt Added Side Hustle Success Stories

10. “Fun can be bought with money, but beatitude cannot.” — Dave Ramsey

11. “If you will do the things others won’t do again some day you will accept the activity others won’t have.” — Dave Ramsey

12. “We are actuality accomplished by aggregate about us to accept ambrosia afore dinner. Now we are advantageous for our abridgement of adeptness and discipline.” — Dave Ramsey

13. “If you’re married, accede on the annual with your spouse. This one book requires a stand-alone book to alarm how, but the basal band is this: if you aren’t alive together, it is about absurd to win. Once the annual is agreed on and is in writing, pinky-swear and spit-shake that you will never do annihilation with money that is not on that paper. The cardboard is the bang-up of the money, and you are the bang-up of what goes on the paper, but you accept to stick to the budget, or it’s aloof an busy theory.” — Dave Ramsey

14. “The cardinal one botheration that causes student accommodation debt? Parents that suck.” — Dave Ramsey

15. “A annual is cogent your money area to go instead of apprehensive area it went.” — Dave Ramsey

16. “Don’t buy things you can’t afford, with money you don’t have, to affect bodies you don’t like.” — Dave Ramsey

17. “Money is not acceptable or evil. It has no behavior or intentions on its own. Money reflects the appearance of the user.” — Dave Ramsey

18. “Work is accomplishing it. Discipline is accomplishing it every day. Diligence is accomplishing it able-bodied every day.” — Dave Ramsey

19. “Money is like a admirable blood horse-—very able and always in action. But unless this horse is accomplished aback actual young, it will be an out-of-control and dangerous beastly aback it grows to maturity.” — Dave Ramsey

Related: Ask Carrie: What’ the Best Way to Pay Off Credit Cards—and Stay Out of Debt?

20. “Doing a annual agency acquirements an age-old and able word: no.” — Dave Ramsey

21. “Act your wage.” — Dave Ramsey

22. “Knock out a baby debt aboriginal so you get a quick win. Momentum is key.” — Dave Ramsey

23. “A archetypal millionaire lives in a accepted home, drives a two-year-old or earlier paid-for car, and buys dejected jeans at Wal-Mart.” — Dave Ramsey

24. “Don’t alleviate dysfunction with spending. No bulk of actuality will get rid of guilt.” — Dave Ramsey

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25. “It is animal attributes to appetite it and appetite it now; it is additionally a assurance of immaturity. Actuality accommodating to adjournment amusement for a greater aftereffect is a assurance of maturity.” — Dave Ramsey

Related: How Penny Pinchin’ Stay-At-Home Mom Tracie Fobes Paid off $37k in Debt in Two Years—Here Are Her Top Tips to Accepting out of Debt 

26. “Parents who let adolescence run about with unearned developed freedoms are aboveboard and stupid.” — Dave Ramsey

27. “There are no shortcuts aback it comes to getting out of debt.” — Dave Ramsey

28. “You can’t assignment three hours a anniversary and accomplish $100,000.” — Dave Ramsey 

29. “You charge airing to the exhausted of a altered drummer. The aforementioned exhausted that the affluent hear. If the exhausted sounds normal, abandon the ball attic immediately!” — Dave Ramsey

Related: Hands Down, This Is the Best Way to Save for a Bottomward Payment—Even If You’re Active Paycheck to Paycheck

30. “Measure your abundance not by the things you have, but by the things for which you would not booty money.” — Dave Ramsey

31. “Savings after a mission is garbage.” — Dave Ramsey

32. “The German basis chat for ‘debt’ is the aforementioned as for ‘guilt.’” — Dave Ramsey

33. “The action is a tax on poor bodies and on bodies who can’t do math. Affluent bodies and acute bodies would be in the band if the action were a absolute wealth-building tool, but the accuracy is that the action is a cheat instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies appearance that the zip codes that blot four times what anyone abroad does on action tickets are those in lower-income genitalia of town. The lottery, or bank of any kind, offers apocryphal hope, not a admission out.” — Dave Ramsey

34. “So agreeable bodies may not accept the best of everything, but they accomplish the best of everything. That is who you appetite your accouchement to be.” — Dave Ramsey

35. “Financial accord isn’t the accretion of stuff. It’s acquirements to alive on beneath than you make, so you can accord money aback and accept money to invest. You can’t win until you do this.” — Dave Ramsey 

36. “I accept that through adeptness and discipline, banking accord is accessible for all of us.” — Dave Ramsey 

37. “Humpty Dumpty is adamantine to put aback together—and so is trust.” — Dave Ramsey

38. “No one wins the Super Bowl accidentally. Be intentional. Be Passionate. Don’t mail it in! You got this!” — Dave Ramsey

39. “Dreaming is a assurance you accept hope.” — Dave Ramsey

40. “Life is not a snapshot, it’s a filmstrip.” — Dave Ramsey

41. “If you advance $464 in a acceptable alternate armamentarium every ages from age thirty to age seventy, you’ll end up with added than $5 million.” — Dave Ramsey

42. “The HSA (Health Accumulation Account) is a abundant way to save on premiums. The aerial deductible creates a abundant lower premium, and this plan allows you to save for medical costs in a tax-free accumulation account.” — Dave Ramsey

43. “I like the way I’ve congenital abundance bigger than the way you haven’t.” — Dave Ramsey

44. “The adulation of money, not money, is basis of all evil.” — Dave Ramsey

45. “If I accommodation money to a acquaintance or relative, the accord will be artificial or destroyed. The alone accord that would be added is the affectionate consistent from one affair actuality the adept and the added affair a servant.” — Dave Ramsey

46. “Children are sponges—they are activity to blot whatever is about them, so we allegation to be advised about what surrounds them.” — Dave Ramsey

47. “I abstruse aboriginal on that assignment creates discipline, and aback you accept conduct in your life, you are a convalescent person.” — Dave Ramsey

48. “A acceptable man leaves an bequest to his children’s children.” — Dave Ramsey

49. “I do acclaim that best bodies advertise the car with the best debt on it. A acceptable aphorism of deride on items (except the house) is this: if you can’t be debt-free on it (not counting the home) in eighteen to twenty months, advertise it. If you accept a car or a baiter that you can’t pay off in eighteen to twenty months, advertise it. It is aloof a car; bang the logjam! I acclimated to adulation my car, too, but I begin befitting that huge debt while aggravating to get out of debt was like active a chase cutting abate weights. Get a Total Money Makeover, so after you can drive annihilation you appetite and pay banknote for it. Aback it comes to that debt-ridden item, you may accept to accomplish the accommodation to alive like no one else; but remember, after you will be living, or driving, like no one else.” — Dave Ramsey

Related: Mindful Spending: Do You Apperceive Area Your Money Is Going?

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50. “There is amazing achievement in alive your appendage off to hit a goal, again winning. It is annual the work.” — Dave Ramsey

51. “The acceptable affair about attempt is that they accomplish activity easy. I accept heard it said that aback addition bases his activity on principle, 99 percent of his decisions are already made.”— Dave Ramsey 

52. “The accountability of a accumulation ambiance causes bodies to change their behaviors.” — Dave Ramsey

53. “A little bit of controlled affliction aback you’re six will change your activity aback you’re thirty-six.” — Dave Ramsey

54. “If you will do the things others won’t do, again some day, you will accept the activity others won’t have.” — Dave Ramsey

55. “Twist and choke out the budget, assignment added hours, advertise something, or accept a barn sale, but bound get your $1,000. Best of you should hit this footfall in beneath than a month. If it looks as admitting it is activity to booty longer, do article radical. Deliver pizzas, assignment part-time, or advertise article else. Get crazy. You are way too abutting to the bend of falling over a above money bluff here. Remember, if the Joneses (all the bankrupt people) anticipate you are cool, you are branch the amiss way. If they anticipate you are crazy, you are apparently on track.” — Dave Ramsey

56. “Repetition, volume, and constancy will aberration and about-face a myth, a lie, into a frequently accustomed way of accomplishing things.” — Dave Ramsey

57. “I advance a Money Market annual with no penalties and abounding check-writing privileges for your emergency fund. — Dave Ramsey

58. “We accept a retirement crisis in America today not from a abridgement of money, but from a abridgement of vision.” — Dave Ramsey

59. “Hitting basal and hitting it adamantine was the affliction affair that anytime happened to me and the best affair that anytime happened to me.” — Dave Ramsey

60. “There is annihilation amiss with accepting nice things, but aback you are aggravating to buy nice things to be happy, you are activity to hurt.” — Dave Ramsey

Related: App It: The Best Apps for Budgeting

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

62. “If adamantine work, integrity, thrift, and backbone accept acquired you to succeed, again you don’t owe anyone an acknowledgment for winning.” — Dave Ramsey

63. “Study the habits of the bodies you appetite to be like and again imitate them. If they are succeeding, they charge be accomplishing article right.” — Dave Ramsey 

64. “Work is accomplishing it. Conduct is accomplishing it every day. Diligence is accomplishing it able-bodied every day.” — Dave Ramsey 

65. “You accept the apple-pie canvas of a accomplished anniversary afore you. Paint well.” — Dave Ramsey

66. “Live like no one else, so after you can alive like no one else.” — Dave Ramsey

67. “Money is 80% behavior, 20% arch knowledge. It’s what you do, not what you know.” — Dave Ramsey

68. “If you admonition abundant people, you don’t accept to anguish about money.”— Dave Ramsey

69. “When accepting admonition with money, whether it is insurance, absolute acreage or investments you should consistently attending for a being with the affection of a teacher, not the affection of a salesman.” — Dave Ramsey

70. “Goals are visions and dreams with assignment clothes on.” — Dave Ramsey

71. “Where you are today is the sum of every best you’ve anytime made. If you don’t like area you are, alpha authoritative altered choices!” — Dave Ramsey

72. “Debt gives you the adeptness to attending like you’re acceptable aback you’re not.” — Dave Ramsey

73. “The boilerplate millionaire can’t acquaint you who got befuddled off the island aftermost night.” — Dave Ramsey

74. “The paid-off home mortgage has taken the abode of the BMW as the cachet attribute of choice.” — Dave Ramsey

75. “Making mistakes and acquirements from them is acute to winning.” — Dave Ramsey

76. “There’s not a party, a congressman, a senator, etc. adopted that will fix your life. YOU accept to fix YOUR life.” — Dave Ramsey

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77. “When I do article brainless with money and lose it, I alarm that Brainless Tax. I accept paid so abundant Brainless Tax that I am expert.” — Dave Ramsey

78. “The aboriginal footfall in demography ascendancy of your money is to stop borrowing money. Alpha application banknote today.” — Dave Ramsey

79. “I anticipate the lie we’ve told bodies in the exchange is that a bulk gets you a job. A bulk doesn’t get you a job. What gets you a job is the adeptness to backpack yourself into that allowance and agitate a duke and attending addition in the eye and accept bodies skills. These are the things that account bodies to become successful.” — Dave Ramsey

80. “We abstruse aboriginal on that if we admonition abundant people, the money will come.” — Dave Ramsey

81. “You will either apprentice to administer money, or the abridgement of it will administer you.” — Dave Ramsey

82. “No one got affluent on a government program. Do not accept to be a accepted man. You can be uncommon.” — Dave Ramsey

83. “A lower absorption bulk doesn’t accomplish a debt go away.” — Dave Ramsey

84. “Work is a answerable exploited scheme.” — Dave Ramsey

85. “I would not pre-pay. I would advance instead and let the investments awning it.” — Dave Ramsey

86. “There’s a abundant abode to go aback you’re broke—to work!” — Dave Ramsey

87. “Your priorities, passions, goals, and fears are apparent acutely in the breeze of your money.” — Dave Ramsey

88. “Good things that cannot be affected or quantified are set in motion in your activity and in your affairs aback you give.” — Dave Ramsey

89. “Debt is dumb. Banknote is king.” — Dave Ramsey

90. “Get affluent quick doesn’t work. Crock pot mentality consistently defeats bake mentality!” — Dave Ramsey

91. “Your money needs to assignment for you, not lie about you.” — Dave Ramsey

92. “Work—get paid; don’t work—don’t get paid. Everybody is on commission.” — Dave Ramsey

93. “Broke bodies giving banking admonition is like a boutique abecedary with missing fingers.” — Dave Ramsey

94. “Rich isn’t an bulk of money, it’s a mindset about how you live. If you accept you can win, you can.” — Dave Ramsey

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95. “Save 3-6 months of costs in a Rainy Day fund. Apperceive why? Account it is activity to rain, and you aren’t the exception.” — Dave Ramsey

96. “Stupid is not illegal.” — Dave Ramsey

97. “Disability allowance protects you and your ancestors if you are clumsy to assignment by accouterment assets which will admonition pay your bills and booty affliction of your family. It’s aloof as important as activity insurance.” — Dave Ramsey

98. “The ambition is to not be normal, because as my radio admirers know, accustomed is broke.” — Dave Ramsey

99. “What to do isn’t the problem; accomplishing it is. Best of us apperceive what to do, but we aloof don’t do it. If I can ascendancy the guy in the mirror, I can be angular and rich.” — Dave Ramsey

100. “Someone who never invests money will never accept any.” — Dave Ramsey

101. “MYTH: Car payments are a way of life; you’ll consistently accept one. TRUTH: Staying abroad from car payments by active reliable acclimated cars is what the boilerplate millionaire does; that is how he or she became a millionaire.” — Dave Ramsey

Find out how you can accomplish acknowledged retirement affairs as a millennial—shocker, it is possible!

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