Dave Ramsey

To avoid criticism say nothing, do nothing, and be nothing

What I have discovered is that some of the most profound and life-changing truths you will ever discover are very simple.

Because debt is part of our “I want it now” mind-set as a culture

One of the Best Ways to Lose a Friend Is to Loan Money to That Friend

If you give money to a friend, you get the joy of giving and your friend has the pleasure of receiving. If you loan money to a friend, however, your friend is suddenly no longer an equal in the friendship—rather, your friend is “under” you in a way that’s difficult to explain psychologically but true nonetheless.

If the deal involves the idea of “get it now, pay later,” run.

Now if the lending institution—which has lots of experience in loaning money—doesn’t fully trust the person to repay the loan, why should you?

If you aren’t willing to sit down and read the entire “ninety days same as cash” agreement, don’t sign it.

The fact is, a new car loses 60 percent of its value in the first five years.

Broke people use credit cards.