American - Author | September 3, 1960 -
You're not a bad parent if you don't save for your kid's college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called 'work' while they're in school.
Dave Ramsey
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Children who reach the age of eighteen with their entire skills set composed on Nintendo and eating Doritos have been neglected. Their parents neglected to give them the character traits necessary to live successfully.
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You need some quick wins in order to stay pumped enough to get out of debt completely.
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I've got a young man who works for me who says you don't need to discover your dreams - you need to recover them.
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I always laugh and say I met God on the way up, and I got to know him on the way down. And so, as I'm crashing and losing everything, a lot of people run to God when they are struggling. And I was no exception.
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I've seen numerous situations where collectors have taken more than the agreed-upon amount from someone's account once they gained access.
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Your FICO score is an "I love debt" score. You're going to pay a bazillion dollars in interest to keep your FICO score up in order to have lower homeowner's and car insurance rates.
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Never take a loan against your retirement! When you pay interest against your retirement, you cost yourself interest.
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I will never be unemployed.
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If you're able to pay your bills, you pay your bills. It's as simple as that.
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We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and traditional salesmen sell their products.
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Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to do. Most of them don't care about you or your situation as long as they get some money.
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