--- title: "Meaning & Key Takeaway of: It takes some discipline and hard work…" description: "\"It takes some discipline and hard work, but relying on credit when things go wrong is a trap.\" — Dave Ramsey" image: "https://sms4smile.com/quotes/i/e60/dave-ramsey-1362_discipline_it-takes-some-discipline-and-hard-work-b_944520.jpg" --- # It takes some discipline and hard work, but relying on… ![“It takes some discipline and hard work, but relying on credit when things go wrong is a trap.” quote by Dave Ramsey](https://sms4smile.com/quotes/i/e60/dave-ramsey-1362_discipline_it-takes-some-discipline-and-hard-work-b_944520.jpg) [Download](https://sms4smile.com/quotes/i/e60/dave-ramsey-1362_discipline_it-takes-some-discipline-and-hard-work-b_944520.jpg) [Open image](https://sms4smile.com/quotes/i/e60/dave-ramsey-1362_discipline_it-takes-some-discipline-and-hard-work-b_944520.jpg) > “It takes some discipline and hard work, but relying on credit when things go wrong is a trap.” [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Relying on credit as a fallback is risky; disciplined saving and earning are safer paths to financial stability. **In simple terms:** Credit as a safety net is a trap; work hard and save. Key Takeaway Prioritize saving and earning over borrowing. Themes finance discipline risk management Mood cautious determined Type advice practical When to use this quote - personal finance - business planning - emergency preparedness Key Concepts budgeting debt avoidance Questions to Reflect On - How can you build a buffer without credit? - What habits will protect you from debt? A Different Perspective Credit can be useful in emergencies if managed responsibly. ★ ★ ★ ★ ★ No ratings yet [Discipline](https://sms4smile.com/quotes/about/discipline/) [Hard work](https://sms4smile.com/quotes/about/hard-work/) [Work](https://sms4smile.com/quotes/about/work/) ## Related quotes > [What is needed, however, isn't just that people working together be nice to each other. It is discipline. Discipline is hard--harder than trustworthiness and…](https://sms4smile.com/quotes/atul-gawande/what-is-needed-however-isn-t-just-that-people-working-together-be/) [Atul Gawande](https://sms4smile.com/quotes/author/atul-gawande/) > [When you discipline yourself to do what is hard, you gain access to a realm of results that are denied everyone else. The willingness…](https://sms4smile.com/quotes/steve-pavlina/when-you-discipline-yourself-to-do-what-is-hard-you-gain-access-to-a/) [Steve Pavlina](https://sms4smile.com/quotes/author/steve-pavlina/) > [It takes discipline to be a free spirit.](https://sms4smile.com/quotes/gabrielle-roth/it-takes-discipline-to-be-a-free-spirit/) [Gabrielle Roth](https://sms4smile.com/quotes/author/gabrielle-roth/) > [In fitness, there are no short cuts. It involves immense discipline and hard work.](https://sms4smile.com/quotes/mahesh-babu/in-fitness-there-are-no-short-cuts-it-involves-immense-discipline-and/) [Mahesh Babu](https://sms4smile.com/quotes/author/mahesh-babu/) > [When I was younger, I thought you had to be in control of your own life. That takes a lot of discipline, hard work…](https://sms4smile.com/quotes/janet-jackson/when-i-was-younger-i-thought-you-had-to-be-in-control-of-your-own/) [Janet Jackson](https://sms4smile.com/quotes/author/janet-jackson/) > [I think for me the best thing about being a woman is that I get credit for things I should be doing anyway.](https://sms4smile.com/quotes/jenna-lyons/i-think-for-me-the-best-thing-about-being-a-woman-is-that-i-get/) [Jenna Lyons](https://sms4smile.com/quotes/author/jenna-lyons/) > [A lot of people try to take away the things I have done and try to give other people credit for the things they…](https://sms4smile.com/quotes/terence-crawford/a-lot-of-people-try-to-take-away-the-things-i-have-done-and-try-to/) [Terence Crawford](https://sms4smile.com/quotes/author/terence-crawford/) > [I can take credit for only two things: pride and sin.](https://sms4smile.com/quotes/thomas-a-kempis/i-can-take-credit-for-only-two-things-pride-and-sin/) [Thomas a Kempis](https://sms4smile.com/quotes/author/thomas-a-kempis/) > [Have you ever gotten tired of hearing those ridiculous AT&T commercials claiming credit for things that don't even exist yet? You will.](https://sms4smile.com/quotes/anonymous/have-you-ever-gotten-tired-of-hearing-those-ridiculous-at-t/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [I'm basically a very lazy person who likes to get credit for things other people actually do.](https://sms4smile.com/quotes/linus-torvalds/i-m-basically-a-very-lazy-person-who-likes-to-get-credit-for-things/) [Linus Torvalds](https://sms4smile.com/quotes/author/linus-torvalds/) > [I say all the time I think there should be some courses in the regular schooling system that isn't, even like about credit, things…](https://sms4smile.com/quotes/khloe-kardashian/i-say-all-the-time-i-think-there-should-be-some-courses-in-the/) [Khloe Kardashian](https://sms4smile.com/quotes/author/khloe-kardashian/) > [I just have to give credit when it's due because there are some things that took place in my life that I couldn't explain…](https://sms4smile.com/quotes/heather-headley/i-just-have-to-give-credit-when-it-s-due-because-there-are-some/) [Heather Headley](https://sms4smile.com/quotes/author/heather-headley/) > [I think I'd be a great mom, honestly. I don't think I'll have any problem giving them all the love in the world. Discipline…](https://sms4smile.com/quotes/queen-latifah/i-think-i-d-be-a-great-mom-honestly-i-don-t-think-i-ll-have-any/) [Queen Latifah](https://sms4smile.com/quotes/author/queen-latifah/) > [Success in business requires training and discipline and hard work. But if you're not frightened by these things, the opportunities are just as great…](https://sms4smile.com/quotes/david-rockefeller/success-in-business-requires-training-and-discipline-and-hard-work/) [David Rockefeller](https://sms4smile.com/quotes/author/david-rockefeller/) > [Karate-do may be referred to as the conflict within yourself, or a life-long marathon which can be won only through self-discipline, hard training, and…](https://sms4smile.com/quotes/shoshin-nagamine/karate-do-may-be-referred-to-as-the-conflict-within-yourself-or-a/) Shoshin Nagamine ## 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/) [Explore all 239 Dave Ramsey quotes ](https://sms4smile.com/quotes/author/dave-ramsey/) ## More Discipline quotes > [Christianity was never meant to be defined by its disciplines, but by its passions.](https://sms4smile.com/quotes/bill-johnson/christianity-was-never-meant-to-be-defined-by-its-disciplines-but-by/) [Bill Johnson](https://sms4smile.com/quotes/author/bill-johnson/) > [Grit and self-control are related, but they're not the same thing.](https://sms4smile.com/quotes/angela-duckworth/grit-and-self-control-are-related-but-they-re-not-the-same-thing/) [Angela Duckworth](https://sms4smile.com/quotes/author/angela-duckworth/) > [“Peace requires a discipline more iron than war. - Easter, 1939 ”](https://sms4smile.com/quotes/w-j-turner/peace-requires-a-discipline-more-iron-than-war-easter-1939/) W.J. Turner > [You can't have the fruits without the roots. It's the principle of sequencing: Private Victories proceed Public Victories. Self-mastery and self-discipline are the foundation…](https://sms4smile.com/quotes/stephen-covey/you-can-t-have-the-fruits-without-the-roots-it-s-the-principle-of/) [Stephen Covey](https://sms4smile.com/quotes/author/stephen-covey/) > [Like a child exploring the attic of an old house on a rainy day, discovering a trunk full of treasure and then calling all…](https://sms4smile.com/quotes/eugene-h-peterson/like-a-child-exploring-the-attic-of-an-old-house-on-a-rainy-day/) [Eugene H. Peterson](https://sms4smile.com/quotes/author/eugene-h-peterson/) > [Exercise teaches you the pleasure of discipline.](https://sms4smile.com/quotes/jane-fonda/exercise-teaches-you-the-pleasure-of-discipline/) [Jane Fonda](https://sms4smile.com/quotes/author/jane-fonda/) > [I'm always writing. I'm an obsessive. It's not because I'm a disciplined person. It's because I'm crazy about it.](https://sms4smile.com/quotes/hanif-kureishi/i-m-always-writing-i-m-an-obsessive-it-s-not-because-i-m-a/) [Hanif Kureishi](https://sms4smile.com/quotes/author/hanif-kureishi/) > [“I felt like praying or something, when I was in bed, but I couldn't do it. I can't always pray when I feel like…](https://sms4smile.com/quotes/j-d-salinger/i-felt-like-praying-or-something-when-i-was-in-bed-but-i-couldn-t-do/) [J.D. Salinger](https://sms4smile.com/quotes/author/j-d-salinger/) > [The undisciplined child enters into discipline by working in the company of others; not being told he is naughty.” “Discipline is, therefore, primarily a…](https://sms4smile.com/quotes/maria-montessori/the-undisciplined-child-enters-into-discipline-by-working-in-the/) [Maria Montessori](https://sms4smile.com/quotes/author/maria-montessori/) > [“Proverbs from the East: The wind howls, but the mountain remains still. Even though I make no special attempt to observe the discipline of…](https://sms4smile.com/quotes/susan-cain/proverbs-from-the-east-the-wind-howls-but-the-mountain-remains-still/) [Susan Cain](https://sms4smile.com/quotes/author/susan-cain/) > [To behave creatively in art means behavior with skill; and skill comes from discipline, not derangement. The artist who knows the rules -and proportion…](https://sms4smile.com/quotes/burne-hogarth/to-behave-creatively-in-art-means-behavior-with-skill-and-skill-comes/) Burne Hogarth > [Self-discipline is an act of cultivation. It require you to connect today's actions to tomorrow's results. There's a season for sowing a season for…](https://sms4smile.com/quotes/gary-ryan-blair/self-discipline-is-an-act-of-cultivation-it-require-you-to-connect/) [Gary Ryan Blair](https://sms4smile.com/quotes/author/gary-ryan-blair/) > [The individual, by means of the discipline imposed on him by sport, not only plays and finds relaxation from the various compulsions to which…](https://sms4smile.com/quotes/jacques-ellul/the-individual-by-means-of-the-discipline-imposed-on-him-by-sport-not/) [Jacques Ellul](https://sms4smile.com/quotes/author/jacques-ellul/) > [Cheerfulness in most cheerful people is the rich and satisfying result of strenuous discipline.](https://sms4smile.com/quotes/edwin-percy-whipple/cheerfulness-in-most-cheerful-people-is-the-rich-and-satisfying/) [Edwin Percy Whipple](https://sms4smile.com/quotes/author/edwin-percy-whipple/) > [Stay in your seat come times of trouble. Its only people who jump off the roller coaster who get hurt.](https://sms4smile.com/quotes/paul-harvey/stay-in-your-seat-come-times-of-trouble-its-only-people-who-jump-off/) [Paul Harvey](https://sms4smile.com/quotes/author/paul-harvey/) [Browse all 5,597 Discipline quotes ](https://sms4smile.com/quotes/about/discipline/) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Quotation", "text": "It takes some discipline and hard work, but relying on credit when things go wrong is a trap.", "creator": { "@type": "Person", "name": "Dave Ramsey" }, "isPartOf": { "@id": "https://sms4smile.com/quotes/#website" }, "url": "https://sms4smile.com/quotes/dave-ramsey/it-takes-some-discipline-and-hard-work-but-relying-on-credit-when/", "about": { "@type": "Thing", "name": "Discipline" }, "@id": "https://sms4smile.com/quotes/dave-ramsey/it-takes-some-discipline-and-hard-work-but-relying-on-credit-when/#quotation", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/e60/dave-ramsey-1362_discipline_it-takes-some-discipline-and-hard-work-b_944520.jpg", "contentUrl": "https://sms4smile.com/quotes/i/e60/dave-ramsey-1362_discipline_it-takes-some-discipline-and-hard-work-b_944520.jpg", "url": "https://sms4smile.com/quotes/i/e60/dave-ramsey-1362_discipline_it-takes-some-discipline-and-hard-work-b_944520.jpg", "width": 1080, "height": 1080, "caption": "“It takes some discipline and hard work, but relying on credit when things go wrong is a trap.” — Dave Ramsey", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } }, { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://sms4smile.com/" }, { "@type": "ListItem", "position": 2, "name": "Quotes", "item": "https://sms4smile.com/quotes/" }, { "@type": "ListItem", "position": 3, "name": "Dave Ramsey", "item": "https://sms4smile.com/quotes/author/dave-ramsey/" }, { "@type": "ListItem", "position": 4, "name": "It takes some discipline and hard...", "item": "https://sms4smile.com/quotes/dave-ramsey/it-takes-some-discipline-and-hard-work-but-relying-on-credit-when/" } ], "@id": "https://sms4smile.com/quotes/dave-ramsey/it-takes-some-discipline-and-hard-work-but-relying-on-credit-when/#breadcrumb" }, { "@type": "WebSite", "@id": "https://sms4smile.com/quotes/#website", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "publisher": { "@id": "https://sms4smile.com/quotes/#organization" } }, { "@type": "Organization", "@id": "https://sms4smile.com/quotes/#organization", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "logo": { "@type": "ImageObject", "url": "https://sms4smile.com/quotes/wp-content/themes/sq/assets/icons/icon-512.png", "width": 512, "height": 512 } } ] } ```