American - Author | September 3, 1960 -
It takes some discipline and hard work, but relying on credit when things go wrong is a trap.
Dave Ramsey
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Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.
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When we talk about kids earning commission for chores, we always have at least one parent who argues that children should do chores because they are part of the family. I agree, but if you don't involve money in a few chores, you lose the teachable moments in the work, spend, save, and give principles.
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Trust me, I know, you can make mistakes with money and still raise money-smart kids. You can start a new family tradition of handling money the right way.
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Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life.
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You've got to tell your money what to do or it will leave.
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We've really got to stop looking to Washington to fix our problems. It obviously doesn't have the ability to do that. People who are successful are not successful because of the president.
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To be fair, the collection business does have a few good people in it. But it also has those who will lie and make threats.
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Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.
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My wife, Sharon, and I started with nothing when we got married. I was driving a 1902 Pinto and eating off a card table.
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Most of the things we buy are wants. And we call them needs, but they're wants.
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I think the lie we've told people in the marketplace is that a degree gets you a job. A degree doesn't get you a job. What gets you a job is the ability to carry yourself into that room and shake a hand and look someone in the eye and have people skills. These are the things that cause people to become successful.
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