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Ever since I met [my wife], my life has been different. I have what I want. I have my Jewel in Millie.

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Dave Ramsey

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.

Americans, Car, Culture, House, Payments, Would Be
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When you're trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive.

Achieve, Bring, Christian, Goal, Negative, People

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.

Finance, News, Percent, Rockets, Thing

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.

Make, Money, Powerful, Stuff, Winning

When I do something stupid with money and lose it. . . . I call that Stupid Tax. I have paid so much Stupid Tax that I am expert.

Experts, Lose, Money, Paid, Stupid, Taxes

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.

Backbone, Family, Good, Grow, Grows, Your Future
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