--- title: "20 Debt Quotes By Dave Ramsey" description: "20 Debt quotes by Dave Ramsey. Plus more from Dave Ramsey and more Debt sayings from other authors." image: "https://sms4smile.com/quotes/i/0c8/dave-ramsey-1362_quote_debt-is-normal-so-why-be-normal-1213340_1213340.jpg" --- > [“Debt is normal! So why be normal?”](https://sms4smile.com/quotes/dave-ramsey/debt-is-normal-so-why-be-normal/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/0c8/dave-ramsey-1362_quote_debt-is-normal-so-why-be-normal-1213340_1213340.jpg) > [Debt is normal. Be weird.](https://sms4smile.com/quotes/dave-ramsey/debt-is-normal-be-weird/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/d5a/dave-ramsey-1362_debt_debt-is-normal-be-weird-2884585_2884585.jpg) > [Debt has become a part of who we are.](https://sms4smile.com/quotes/dave-ramsey/debt-has-become-a-part-of-who-we-are/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/398/dave-ramsey-1362_debt_debt-has-become-a-part-of-who-we-are-200_2001518.jpg) > [Credit is an 'I love debt' score.](https://sms4smile.com/quotes/dave-ramsey/credit-is-an-i-love-debt-score/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/810/dave-ramsey-1362_credit_credit-is-an-i-love-debt-score-3143477_3143477.jpg) > [You can't be in debt and win. It doesn't work.](https://sms4smile.com/quotes/dave-ramsey/you-can-t-be-in-debt-and-win-it-doesn-t-work/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/383/dave-ramsey-1362_debt_you-can-t-be-in-debt-and-win-it-doesn-t_1427394.jpg) > [Debt is dumb. Cash is king.](https://sms4smile.com/quotes/dave-ramsey/debt-is-dumb-cash-is-king/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/1e1/dave-ramsey-1362_cash_debt-is-dumb-cash-is-king-440553_440553.jpg) > [Knock out a small debt first so you get a quick win. Momentum is key.](https://sms4smile.com/quotes/dave-ramsey/knock-out-a-small-debt-first-so-you-get-a-quick-win-momentum-is-key/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/48e/dave-ramsey-1362_debt_knock-out-a-small-debt-first-so-you-get_3068114.jpg) > [Investing is important, but get debt-free first. That's what frees up your income so you can win.](https://sms4smile.com/quotes/dave-ramsey/investing-is-important-but-get-debt-free-first-that-s-what-frees-up/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/735/dave-ramsey-1362_debt_investing-is-important-but-get-debt-free_2518145.jpg) > [You need some quick wins in order to stay pumped enough to get out of debt completely.](https://sms4smile.com/quotes/dave-ramsey/you-need-some-quick-wins-in-order-to-stay-pumped-enough-to-get-out-of/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/98f/dave-ramsey-1362_debt_you-need-some-quick-wins-in-order-to-sta_2659959.jpg) > [Debt gives you the ability to look like you’re winning when you’re not.](https://sms4smile.com/quotes/dave-ramsey/debt-gives-you-the-ability-to-look-like-you-re-winning-when-you-re-not/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/bf4/dave-ramsey-1362_ability_debt-gives-you-the-ability-to-look-like_1816322.jpg) > [A lower interest rate doesn't make a debt go away.](https://sms4smile.com/quotes/dave-ramsey/a-lower-interest-rate-doesn-t-make-a-debt-go-away/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/128/dave-ramsey-1362_debt_a-lower-interest-rate-doesn-t-make-a-deb_85391.jpg) > [There are no shortcuts when it comes to getting out of debt.](https://sms4smile.com/quotes/dave-ramsey/there-are-no-shortcuts-when-it-comes-to-getting-out-of-debt/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/15f/dave-ramsey-1362_debt_there-are-no-shortcuts-when-it-comes-to_2242982.jpg) > [While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon.](https://sms4smile.com/quotes/dave-ramsey/while-i-encourage-people-to-save-100-down-for-a-home-a-mortgage-is/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/6f9/dave-ramsey-1362_debt_while-i-encourage-people-to-save-100-dow_1160549.jpg) > [You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy.](https://sms4smile.com/quotes/dave-ramsey/you-never-cash-out-a-401-k-or-ira-to-pay-off-debt-unless-it-s-to/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/d4c/dave-ramsey-1362_avoid_you-never-cash-out-a-401-k-or-ira-to-pay_1084144.jpg) > [The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.](https://sms4smile.com/quotes/dave-ramsey/the-decision-to-go-into-debt-alters-the-course-and-condition-of-your/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/9a9/dave-ramsey-1362_conditions_the-decision-to-go-into-debt-alters-the_554806.jpg) > [Contentment may be the most powerful Financial Principle. You can give more, avoid debt, and live better.](https://sms4smile.com/quotes/dave-ramsey/contentment-may-be-the-most-powerful-financial-principle-you-can-give/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/d2d/dave-ramsey-1362_contentment_contentment-may-be-the-most-powerful-fin_1461110.jpg) > [If the US Government was a family—they would be making $58,000 a year, spending $75,000 a year, & are $327,000 in credit…](https://sms4smile.com/quotes/dave-ramsey/if-the-us-government-was-a-family-they-would-be-making-58-000-a-year/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/f6d/dave-ramsey-1362_america_if-the-us-government-was-a-family-they-w_221693.jpg) > [This is not a game, ... Debt has become a part of who we are. It's become that spoiled child in the…](https://sms4smile.com/quotes/dave-ramsey/this-is-not-a-game-debt-has-become-a-part-of-who-we-are-it-s-become/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/e9c/dave-ramsey-1362_air_this-is-not-a-game-debt-has-become-a-par_127401.jpg) > [Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without…](https://sms4smile.com/quotes/dave-ramsey/debt-is-so-ingrained-into-our-culture-that-most-americans-can-t-even/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/3af/dave-ramsey-1362_car_debt-is-so-ingrained-into-our-culture-th_1550241.jpg) > [Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to…](https://sms4smile.com/quotes/dave-ramsey/debt-collectors-like-to-play-on-your-emotions-because-they-think-you/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) [Image](https://sms4smile.com/quotes/i/1de/dave-ramsey-1362_don-t-care_debt-collectors-like-to-play-on-your-emo_1047741.jpg) ## Other authors on Debt ## More by Dave Ramsey > [You've got to tell your money what to do or it will leave.](https://sms4smile.com/quotes/dave-ramsey/you-ve-got-to-tell-your-money-what-to-do-or-it-will-leave/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [Stupid is not illegal.](https://sms4smile.com/quotes/dave-ramsey/stupid-is-not-illegal/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [Work is a surefire money-making scheme.](https://sms4smile.com/quotes/dave-ramsey/work-is-a-surefire-money-making-scheme/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [You can't work three hours a week and make $100,000. Get rich quick doesn't work. Crock pot mentality always defeats microwave mentality!](https://sms4smile.com/quotes/dave-ramsey/you-can-t-work-three-hours-a-week-and-make-100-000-get-rich-quick/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [No one got rich on a government program. Do not choose to be a common man. You can be uncommon.](https://sms4smile.com/quotes/dave-ramsey/no-one-got-rich-on-a-government-program-do-not-choose-to-be-a-common/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [A lower interest rate doesn't make a debt go away.](https://sms4smile.com/quotes/dave-ramsey/a-lower-interest-rate-doesn-t-make-a-debt-go-away/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [It's never too late to turn things around. You are the only obstacle.](https://sms4smile.com/quotes/dave-ramsey/it-s-never-too-late-to-turn-things-around-you-are-the-only-obstacle/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [You don't want to have so much money going toward your mortgage every month that you can't enjoy life or take care of your…](https://sms4smile.com/quotes/dave-ramsey/you-don-t-want-to-have-so-much-money-going-toward-your-mortgage-every/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [Once I will warn you, and then I will fire you! I have a zero-tolerance-plus-one policy for gossip. I will teach you once, and…](https://sms4smile.com/quotes/dave-ramsey/once-i-will-warn-you-and-then-i-will-fire-you-i-have-a-zero-tolerance/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [This is not a game, ... Debt has become a part of who we are. It's become that spoiled child in the grocery store…](https://sms4smile.com/quotes/dave-ramsey/this-is-not-a-game-debt-has-become-a-part-of-who-we-are-it-s-become/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [We are all in the business of sales. Teachers sell students on learning, parents sell their children on making good grades and behaving, and…](https://sms4smile.com/quotes/dave-ramsey/we-are-all-in-the-business-of-sales-teachers-sell-students-on/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [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…](https://sms4smile.com/quotes/dave-ramsey/trust-me-i-know-you-can-make-mistakes-with-money-and-still-raise/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [More wealth doesn't fix your life. More wealth makes you more of what you already are.](https://sms4smile.com/quotes/dave-ramsey/more-wealth-doesn-t-fix-your-life-more-wealth-makes-you-more-of-what/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [“I have heard it said that if you tell a lie often enough, loudly enough, and long enough, the myth will become accepted as…](https://sms4smile.com/quotes/dave-ramsey/i-have-heard-it-said-that-if-you-tell-a-lie-often-enough-loudly/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [A good financial planner is going to do more than pick your funds.](https://sms4smile.com/quotes/dave-ramsey/a-good-financial-planner-is-going-to-do-more-than-pick-your-funds/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "ItemList", "@id": "https://sms4smile.com/quotes/about/debt/dave-ramsey/#itemlist", "name": "20 Debt Quotes By Dave Ramsey", "numberOfItems": 20, "itemListElement": [ { "@type": "ListItem", "position": 1, "item": { "@type": "Quotation", "text": "“Debt is normal! 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