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1:54
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If anyone depends on you or your income, you need 10-12 times your annual income in term life insurance. | Dave Ramsey
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Your income is your most important wealth-building tool. And when your money is tied up in monthly debt payments, you’re working hard to make EVERYONE ELSE rich. Does that make you sick? It should! You work too hard to get to the end of your life and have NOTHING to show for it! Today is the day you can say “ENOUGH!” Today is the day you can decide to change your life. | Dave Ramsey
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If you’re 25 and don’t end up a millionaire, you might need a wake-up call, because I just showed you how. Invest $100 a month from age 25 to 65 at the average S&P 500 return over the last 40 years, and you’ll have over $1.1 million. Too late to start at 25? Nope. Start at 40, invest $1,000 a month, and you can still hit $1 million by 60. Your age and income aren’t excuses. Your life isn’t a snapshot, it’s a filmstrip. You CAN change your future. You CAN build wealth. | Dave Ramsey
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What you actually DO with the money you make matters more than the amount of money you make. There are plenty of people who make a lot of money but still live paycheck to paycheck. On top of that, married couples need to budget their money TOGETHER. I do not have an income. My wife and I have an income. It’s as much hers as it is mine—spiritually, morally, and legally. It’s not MINE, it’s OURS. When you change your language like that, it forces you set goals together. It forces you to dream toge
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If you’re 25 and don’t end up a millionaire, you might need a wake-up call, because I just showed you how. Invest $100 a month from age 25 to 65 at the average S&P 500 return over the last 40 years, and you’ll have over $1.1 million. Too late to start at 25? Nope. Start at 40, invest $1,000 a month, and you can still hit $1 million by 60. Your age and income aren’t excuses. Your life isn’t a snapshot, it’s a filmstrip. YOU can change your future. YOU can build wealth. | Dave Ramsey
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What you actually DO with the money you make matters more than the amount of money you make. There are plenty of people who make a lot of money but still live paycheck to paycheck. On top of that, married couples need to budget their money TOGETHER. I do not have an income. My wife and I have an income. It’s as much hers as it is mine—spiritually, morally, and legally. It’s not MINE, it’s OURS. When you change your language like that, it forces you set goals together. It forces you to dream toge
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Here’s the deal: Your number one wealth-building tool is your income. All of the millionaires that we interview, unless they inherited the money, which is very few of them (less than 10% of them inherited the money), did it by saving and investing their income. They did not give their income to student loans. They did not give their income to Target. They didn’t screw around and give their income to Lexus and Toyota and Ford and General Motors and American Express and Mastercard. It’s a mathemat
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“Passive income” from real estate? Nope. Real estate can be a wonderful investment, but it’s active. You deal with tenants, repairs, and real work. That’s not passive. | Dave Ramsey
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Facebook
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If you’re 25 and don’t end up a millionaire, you might need a wake-up call, because I just showed you how. Invest $100 a month from age 25 to 65 at the average S&P 500 return over the last 40 years, and you’ll have over $1.1 million. Too late to start at 25? Nope. Start at 40, invest $1,000 a month, and you can still hit $1 million by 60. Your age and income aren’t excuses. Your life isn’t a snapshot, it’s a filmstrip. You CAN change your future. You CAN build wealth. | Dave Ramsey
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Just because you can make the payments doesn’t mean you can afford it. The only “good debt” is paid-off debt. Your most powerful wealth-building tool is your income. And when you spend your whole life sending loan payments to banks and credit card companies, you’re making everyone else wealthy, and you end up with less money to save and invest for your own future. | Dave Ramsey
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If money feels tight right now, you aren't crazy. A lot of people have been sold the lie that payments are normal. Car loans, credit cards, and student loans are draining their income before they ever get a chance to get ahead. The system is designed to keep you stuck. The good news is you can still win. Get rid of the payments, and the math will start to work in your favor. | Dave Ramsey
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If your adult kids make $180K but can’t afford a car, it’s not an income problem. More money won’t help. Don’t hand them cash. Match their good decisions instead. If they save $5K for a car, you add $5K. If they pay $10K toward debt, you match it. That way you’re rewarding progress, not enabling bad habits. | Dave Ramsey
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If you’re 25 and don’t end up a millionaire, you might need a wake-up call—because I just showed you how. Invest $100 a month from age 25 to 65 at the average S&P 500 return over the last 40 years, and you’ll have over $1.1 million. Too late to start at 25? Nope. Start at 40, invest $1,000 a month, and you can still hit $1 million by 60. Your age and income aren’t excuses. Your life isn’t a snapshot—it’s a filmstrip. You can change your future. You can build wealth. Let’s go! | Dave Ramsey
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John is over $380,000 in debt, and his household income is $57,000. | Dave Ramsey
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Doctors are some of the smartest people out there—and some of the worst with money. I’ve seen it over and over again. They’re not alone either. Lawyers, entertainers, high-income earners… a lot of them let arrogance override common sense. Just because you make a lot doesn’t mean you’re winning. Don’t be too smart for your own good. Humble yourself, learn the basics, and start making your money work for you, not against you. | Dave Ramsey
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Ken inherited $50 million, and he called in to The Ramsey Show for advice about what to do with it. | Dave Ramsey
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If someone can control all the money, they think they can control the other person. There is a high correlation between that behavior and domestic violence. I do not have an income. My wife and I have an income. It’s as much hers as it is mine—spiritually, morally, and legally. It’s not MINE, it’s OURS. When you change your language like that, it forces you set goals together. It forces you to dream together. It forces you to carry the weight together. It forces you to communicate. It creates a
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I do not have an income. My wife and I have an income. It’s as much hers as it is mine—spiritually, morally, and legally. It’s not MINE, it’s OURS. When you change your language like that, it forces you to set goals together instead of having independent goals. Marriages are always growing together or they’re growing apart. | Dave Ramsey
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