Dave Ramsey

Posted October 22, 2014

As long as you're studying something that has marketplace application, youre setting the stage to make back the money that was put into your degree.

Posted October 07, 2014

You know, a magical thing happens when you pay down a house and sell it somewhere down the road. The money comes back. You didnt lose it.

Posted October 01, 2014

You might be able to justify it if the degree immediately raises income; otherwise you cant afford to make investments in vague educational goals right now.

Posted September 23, 2014

Being a Free Spirit just means you dont major in details. Youre not the number cruncher, and you dont wear a pocket protector. But being a Free Spirit doesnt mean you cant be a grown up.

Posted July 29, 2014

Human beings have a 100 percent mortality rate, okay? No one is getting out of this thing alive. You need a will and a full estate plan with specific instructions.

Posted June 18, 2014

As your money situation improves, you’ll be able to buy more new things. The price of “new” will become a smaller and smaller percentage of your financial world.

Posted June 11, 2014

Timeshares are a horrid, inconvenient product. My sentiment would be, “I’m out of here!”

Posted June 04, 2014

I know this probably sounds mean, but I’m just not a big romantic when it comes to people who are deeply in debt.

Posted April 30, 2014

But the IRS is a different animal altogether. They have virtually unlimited power to collect; so put them at the top of the list and get them paid off as fast as you can!

Posted April 23, 2014

Having a college fund set aside by your parents is really nice, if they can afford that kind of thing. But you can go to school by getting good grades, applying for scholarships, working your tail off and choosing a school you can afford. In short, college funding is not a necessity.

Posted April 15, 2014

Taking on a pile of debt to have a high credit score or increase your current score is just plain stupid!

Posted March 25, 2014

Credit card companies don’t care about the circumstances. They want their money, period. Never take personal responsibility for company expenses.

Posted March 11, 2014

Just because it’s family doesn’t make it jump over onto your plate! Let me say it again: You don’t inherit debt. Don’t let creditors, or anyone else, tell you differently.

Posted March 05, 2014

One way or another, the house always wins. That’s how they’re able to build those giant, billion dollar places called casinos. Did you know that some of those companies are so big and expansive that they’re publicly traded entities?

Posted February 25, 2014

Allowing kids the emotional dignity of making some decisions for themselves is vitally important. You just have to make sure this liberty is supervised and comes with parental warnings and protections.

Posted February 19, 2014

I don’t always make financial decisions based exclusively on math. Many times I do things based on changing money behaviors—stuff like paying off debts from smallest to largest because it actually works. Personal finance is 80 percent behavior, and only 20 percent head knowledge.

Posted February 12, 2014

I’ve been telling people not to use credit cards for 20 years and, believe it or not, even I get offers in the mail. The more mailing lists you get on, the more your mailbox will fill up with junk mail. If you have magazine subscriptions and things like that, your contact information is circulating all over the place.

Posted February 04, 2014

The truth is, mom and dad shouldn’t have co-signed for their child's student loans in the first place. There’s only one reason lenders want a co-signer, and that’s because they’re afraid the person taking out the loan won’t be able to pay back what’s owed.

Posted January 21, 2014

Both state and federal taxes come with ridiculous penalties and interest rates, and the authorities at either level have virtually unlimited power at their disposal to screw with your life if something bad happens.