What Dave Ramsey has said about Personal finance

Ramsey said financial professionals should advise and teach clients rather than tell them what to do.

“I ask you for advice and to teach me something I didn't know, present to me ideas I hadn't thought of”

The Ramsey Show: Wealth Is Built On Facts, Not Feelings (Jul 15, 2026) · Listen from 6:17

Ramsey advised a struggling caller to prioritize food first when money comes in, followed by utilities and rent.

“you prioritize the first thing you buy with your money when you get money is food”

The Ramsey Show: Wealth Is Built On Facts, Not Feelings (Jul 15, 2026) · Listen from 15:17

Ramsey urged listeners whose emotions remain stuck in past poverty to base decisions on their current financial facts.

“Those facts are, you need to tell yourself what are the facts, not what are the feelings”

The Ramsey Show: Wealth Is Built On Facts, Not Feelings (Jul 15, 2026) · Listen from 29:55

Ramsey told an indebted heavy equipment operator to focus on earning money and clearing debt rather than starting a plumbing business.

“But you need $150,000 income in the next 12 months, and no, we don't need to go into business,”

The Ramsey Show: Wealth Is Built On Facts, Not Feelings (Jul 15, 2026) · Listen from 50:40

Ramsey said paying off debt in one lump without changing habits leads to the debt returning.

“we know that when people pay off debt in one fell swoop and they don't change their habits, the debt grows back”

The Ramsey Show: Wealth Is Built On Facts, Not Feelings (Jul 15, 2026) · Listen from 1:10:48