Top 199 Quotes & Sayings by Dave Ramsey - Page 4

Work - get paid; don't work - don't get paid. Everybody is on commission, .. Try not coming to work for six weeks. Work gets paid; don't work, don't get paid. When they earn those dollars, and when you're 4, and you clean up your room, it really means mom cleaned up the room and you did two toys. When you're 14, it means you cleaned up your room. But still, we got the money caused by work, and then, we have teachable moments on how to handle the money they earn.

Thinking about starting a small business? Assume everything will cost twice as much and take twice as long as you think it will.

The only reason to go into business is to make money. You have to work hard at it. If you're not passionate about it, you'll burn out so fast that it is incredible.

The creature comforts we tend to rationalize as "business expenses I can write off."

You’re not exempt from math if you’re a Republican, and you’re not exempt from math if you’re a Democrat. You’re not exempt from math if you’re a liberal, and you’re not exempt from math if you’re a conservative. You still have to do math.

You wanna blow money? Put it in a 'blow' category in your budget. But at least admit it on paper!

Instead of just purchasing an ad campaign, target test and measure. Give an ad a small try. If the response is enough to pay for the ad, make it larger. With a franchise, ask the most successful franchisees what they did. Ask the bottom five guys what they did and avoid it.

I can't tell you how many home businesses are almost in bankruptcy court over a Yellow Pages ad only to find out that the Yellow Pages ad isn't where their market will look for them, and it cost more than they thought.

Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.

When leadership set the goals by themselves, they are not goals, they are quotas.

That stupid saying "What you don't know can't hurt you" is ridiculous. What you don't know can kill you. If you don't know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear - but that doesn't mean you won't get killed.

Stupid is not illegal.

Term Life Insurance is the only insurance I recommend. It's the least expensive way to get the coverage your family needs and allows you to lock in rates for 15, 20 or 30 years. Zander's online quoting system will help you find the most competitive options. It's more affordable than you think!

Higher calling matters. When you care so deeply about the why-why you're doing what you're doing-then and only then are you operating in a way that allows you to overcome the obstacles.

Christmas is about giving. Be outrageously generous. Have fun, enjoy the process....then keep it up all year.

What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it.

Anytime you open a business, you have to be effective in promoting whether it's a franchise or not. You'll need to learn to be a Web marketer extraordinaire. There's plenty of material out there.

Debt has become a part of who we are.

Everyone has some natural talent or aptitude in one or more areas. If you can identify those areas you not only will be happier and perform more successfully in that role, but you will also become better paid for that. Our free-market system pays for performance at some point. When you have a natural talent or aptitude, coupled with desire and experience, the result is productivity plus.