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Billy HallowellMar 19, 2019 12:00:00 AM5 min read

10 Perfect Dave Ramsey Quotes About Money and God

Dave Ramsey is an author, speaker, radio host and financial guru who inspires Christians and non-Christians, alike, to think deeper about their finances, budgets and future planning. If you’re looking for financial peace, to be debt free or for a total money makeover, Ramsey is the personal finance genius you want to read and listen to.

Ramsey is especially good for Christians to follow, as his company, Ramsey Solutions, offers “biblically based, common-sense education and empowerment that give HOPE to everyone in every walk of life.”

READ ALSO: Trusting in the Lord Through Tough Financial Times

10 Dave Ramsey Quotes About Money and God

Dave Ramsey is the nation’s foremost financial expert with simple, doable advice to take control of your finances. Here are some awesome Dave Ramsey quotes to help you on your financial journey:

“You must gain control over your money or the lack of it will forever control you."Dave Ramsey

Dave Ramsey reminds us that financial peace depends on taking control over our money. If we want to be debt free, we need to do the hard work of gaining control over our finances. We need to find a balance between saying “I want to buy things” and “I need to save.” You can find more advice on this very topic in’s “Wealth & The Word” series.

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“I believe that through knowledge and discipline, financial peace is possible for all of us.” — Dave Ramsey, “700 Club

No matter how much personal financial strife you might face, Ramsey believes financial peace is possible for anyone willing to work hard, engage the pain of change and be disciplined in their budgeting.

“You and I are made in God’s image. His fingerprints are all over His creation. Psalm 139 tells us we are ‘fearfully and wonderfully made’ and ‘intricately woven.’ And your Heavenly Father is absolutely crazy about you! He thinks you are amazing.”Dave Ramsey

One of the wonderful things about Ramsey is that he doesn’t only speak about what happens when you’re broke or need financial peace. He’s also a Christian who bases his financial advice on the Bible. So, it’s not just about a total money makeover – it’s about a heart and soul renovation as well. His reminder about God here is very, very important.

READ ALSO: Are Modern-Day Christians Commanded to Tithe 10 Percent?

“Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives, is a monkey with his hand in a bottle.” ― Dave Ramsey, "The Total Money Makeover: A Proven Plan for Financial Fitness"

God entrusts us with our money. And while we’re told to work hard and that we can buy things with the money we earn, it’s also essential that we engage in a number of diverse actions with our earnings: have fun, invest and donate. His advice is important.

“So, I’m wondering, did you abandon something that is your natural gifting just because you thought it wasn’t cool? I did. Or did you abandon it because you were scared enough to fill your shoes with sweat? I did. What is it you need to rediscover? Not discover — rediscover? I know it’s scary, and someone you care about might not be impressed, but so what?”Dave Ramsey

Ramsey speaks a lot about having head knowledge when it comes to personal finance, but he’s also got a thing or two to say about human beings more generally. In this quote he’s addressing how we are sometimes prone to abandon things we love — things we might want to rediscover. It’s an important mention worth considering.

"I’ve been doing this for 25 years, and I’ve helped tens of millions of people get out of debt. The way you do it is a written plan — there is no exception. You cannot outearn disorganization or stupidity."Dave Ramsey

Among powerful Dave Ramsey quotes, this one is simple, straight-to-the-point and truly worth pondering. Ramsey tells his radio listeners and readers that you need to engage in hard work to be debt free, but that you really need a written plan. Organization is key to freedom with personal finance.

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“It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.” — Dave Ramsey, “The Total Money Makeover: A Proven Plan for Financial Fitness”

Ramsey has a convicting message about culture and our penchant to buy things. If we want to be debt free, he reminds us that financial peace hinges upon combating the immature need to have things right away. Maturity means waiting and saving for the things we want.

"You don’t spend anything except what’s written down without coming back and adjusting the budget. When you do that, you’ll add a layer of communication to your marriage that will change your marriage for the better. When you do that, you’ll get the stress off of your back." — Dave Ramsey

Ramsey’s financial peace advice also involves strict budgeting. In addition to planning for a new car or other major purchases, he tells people to communicate with their spouses and not to spend any money outside of what is written down in a budget without communicating about it. Doing so will help people more readily save.

READ ALSO: Helping Others: 13 Bible Scriptures On Giving

“Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.” ― Dave Ramsey, "The Total Money Makeover: A Proven Plan for Financial Fitness"

Part of overcoming debt with credit cards and personal finance woes is being willing to entertain the pain of change. Most people wait until their pain exceeds the pain of change to make an effort to make things better, but people can find financial peace before that point if they use head knowledge and intentionally work to better themselves.

“As parents, we teach our kids about things we feel competent in. That's why so many parents don't teach their kids about money.” — Dave Ramsey, USA Today

This is a convicting message for parents — and it rings true. It’s important for each of us to be competent so that, in turn, we can help our kids learn how to achieve financial freedom.

That closes out our collection of Dave Ramsey quotes. For more on Ramsey, visit his website. You can also watch “Wealth & The Word” on where financial experts Bob Katz and Mike Storms teach you how to use a balance sheet and income statement to assess your financial health.


Billy Hallowell

Billy Hallowell has been working in journalism and media for more than a decade. His writings have appeared in Deseret News, TheBlaze, Human Events, Mediaite and on, among other outlets. Hallowell has a B.A. in journalism and broadcasting from the College of Mount Saint Vincent in Riverdale, New York and an M.S. in social research from Hunter College in Manhattan, New York.