--- title: "Meaning & Key Takeaway of: Knock out a small debt first so you get a…" description: "\"Knock out a small debt first so you get a quick win. Momentum is key.\" — Dave Ramsey" image: "https://sms4smile.com/quotes/i/48e/dave-ramsey-1362_debt_knock-out-a-small-debt-first-so-you-get_3068114.jpg" --- # Knock out a small debt first so you get a quick win… ![“Knock out a small debt first so you get a quick win. Momentum is key.” quote by Dave Ramsey](https://sms4smile.com/quotes/i/48e/dave-ramsey-1362_debt_knock-out-a-small-debt-first-so-you-get_3068114.jpg) [Download](https://sms4smile.com/quotes/i/48e/dave-ramsey-1362_debt_knock-out-a-small-debt-first-so-you-get_3068114.jpg) [Open image](https://sms4smile.com/quotes/i/48e/dave-ramsey-1362_debt_knock-out-a-small-debt-first-so-you-get_3068114.jpg) > “Knock out a small debt first so you get a quick win. Momentum is key.” [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. Advocates paying off small debts first to build momentum and confidence in financial management. **In simple terms:** Clear small debts to gain financial confidence. Key Takeaway Start with quick wins. Themes finance momentum confidence Mood practical encouraging Type advice motivational When to use this quote - personal budgeting - financial planning - goal setting Key Concepts debt reduction psychology of success Questions to Reflect On - Which debt will you tackle first? - How does momentum affect your spending? A Different Perspective Large debts may need simultaneous attention. ★ ★ ★ ★ ★ No ratings yet [Debt](https://sms4smile.com/quotes/about/debt/) [Debt Quick](https://sms4smile.com/quotes/about/debt-quick-5177058/) [Firsts](https://sms4smile.com/quotes/about/firsts/) [Keys](https://sms4smile.com/quotes/about/keys/) [Momentum](https://sms4smile.com/quotes/about/momentum/) [Momentum Key](https://sms4smile.com/quotes/about/momentum-key-5177059/) [Quick Win](https://sms4smile.com/quotes/about/quick-win-5177057/) [Small Debt](https://sms4smile.com/quotes/about/small-debt-848395/) [Win Momentum](https://sms4smile.com/quotes/about/win-momentum-5177056/) [Winning](https://sms4smile.com/quotes/about/winning/) ## Related quotes > [A small debt produces a debtor; a large one, an enemy.](https://sms4smile.com/quotes/publilius-syrus/a-small-debt-produces-a-debtor-a-large-one-an-enemy/) [Publilius Syrus](https://sms4smile.com/quotes/author/publilius-syrus/) > [Slight was the thing I bought, small was the debt I thought, Poor was the loan at best - God! but the interest!](https://sms4smile.com/quotes/paul-laurence-dunbar/slight-was-the-thing-i-bought-small-was-the-debt-i-thought-poor-was/) [Paul Laurence Dunbar](https://sms4smile.com/quotes/author/paul-laurence-dunbar/) > [“If you are trying to get momentum in marketing, business, marriage, your physical condition, or your parenting, take your best focused intensity over time…](https://sms4smile.com/quotes/dave-ramsey/if-you-are-trying-to-get-momentum-in-marketing-business-marriage-your/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [I always think the really unfortunate thing about the Australian film industry is its lack of momentum. And I don't mean this in a…](https://sms4smile.com/quotes/guy-pearce/i-always-think-the-really-unfortunate-thing-about-the-australian-film/) [Guy Pearce](https://sms4smile.com/quotes/author/guy-pearce/) > [The supply chain industry in our Commonwealth continues to gain momentum, in large part due to The Port of Virginia's unparalleled infrastructure.](https://sms4smile.com/quotes/ralph-northam/the-supply-chain-industry-in-our-commonwealth-continues-to-gain/) [Ralph Northam](https://sms4smile.com/quotes/author/ralph-northam/) > [I think the government lost control over fiscal policy in UPA-2. But it is possible to suggest that the momentum of the populism of…](https://sms4smile.com/quotes/sanjaya-baru/i-think-the-government-lost-control-over-fiscal-policy-in-upa-2-but/) [Sanjaya Baru](https://sms4smile.com/quotes/author/sanjaya-baru/) > [The momentum of production keeps you from giving up, so it's really the editing and writing phases where things can look bleakest.](https://sms4smile.com/quotes/rian-johnson/the-momentum-of-production-keeps-you-from-giving-up-so-it-s-really/) [Rian Johnson](https://sms4smile.com/quotes/author/rian-johnson/) > [I think momentum is huge in sport, especially in a series like the Ashes.](https://sms4smile.com/quotes/ben-stokes/i-think-momentum-is-huge-in-sport-especially-in-a-series-like-the/) [Ben Stokes](https://sms4smile.com/quotes/author/ben-stokes/) > [There's always a momentum in how users do stuff. Making small changes can have huge knock-on effects for whole companies.](https://sms4smile.com/quotes/alex-stamos/there-s-always-a-momentum-in-how-users-do-stuff-making-small-changes/) [Alex Stamos](https://sms4smile.com/quotes/author/alex-stamos/) > [You try to take advantage of taking control of the game when you know you may have guys on base and counts aren't in…](https://sms4smile.com/quotes/matt-cain/you-try-to-take-advantage-of-taking-control-of-the-game-when-you-know/) [Matt Cain](https://sms4smile.com/quotes/author/matt-cain/) > [I hope that basketball gains momentum and kids understand that you can actually make a living from it. Not just the N.B.A. You can…](https://sms4smile.com/quotes/steven-adams/i-hope-that-basketball-gains-momentum-and-kids-understand-that-you/) [Steven Adams](https://sms4smile.com/quotes/author/steven-adams/) > [“When you’re stuck your momentum stops, but if you use the goal as your guide you’re more likely to keep moving forwards.”](https://sms4smile.com/quotes/ben-hunt-davis/when-you-re-stuck-your-momentum-stops-but-if-you-use-the-goal-as-your/) [Ben Hunt-Davis](https://sms4smile.com/quotes/author/ben-hunt-davis/) > [Goals not only help you develop initial motivation by making your dreams obtainable, but they also help you continue to be motivated and that…](https://sms4smile.com/quotes/john-c-maxwell/goals-not-only-help-you-develop-initial-motivation-by-making-your/) [John C. Maxwell](https://sms4smile.com/quotes/author/john-c-maxwell/) > [But when you have to deal with notes, and to be able to make a full definition of what a sound is - if…](https://sms4smile.com/quotes/dennis-brown/but-when-you-have-to-deal-with-notes-and-to-be-able-to-make-a-full/) [Dennis Brown](https://sms4smile.com/quotes/author/dennis-brown/) > [With the Capital One Bowl, the average fan might think whoopty do. But if you are a team member, you win that game and…](https://sms4smile.com/quotes/kirk-herbstreit/with-the-capital-one-bowl-the-average-fan-might-think-whoopty-do-but/) [Kirk Herbstreit](https://sms4smile.com/quotes/author/kirk-herbstreit/) ## 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 Debt quotes > [I'm a strange mixture of my mother's curiosity; my father, who grew up the son of the manse in a Presbyterian family, who had…](https://sms4smile.com/quotes/rupert-murdoch/i-m-a-strange-mixture-of-my-mother-s-curiosity-my-father-who-grew-up/) [Rupert Murdoch](https://sms4smile.com/quotes/author/rupert-murdoch/) > [There is nothing that we can properly call our own but our time, and yet everybody fools us out of it who has a…](https://sms4smile.com/quotes/seneca-the-younger/there-is-nothing-that-we-can-properly-call-our-own-but-our-time-and/) [Seneca the Younger](https://sms4smile.com/quotes/author/seneca-the-younger/) > [Praise will come to those whose kindness leaves you without debt.](https://sms4smile.com/quotes/neil-finn/praise-will-come-to-those-whose-kindness-leaves-you-without-debt/) [Neil Finn](https://sms4smile.com/quotes/author/neil-finn/) > [“Most people, given more money, only get into more debt.”](https://sms4smile.com/quotes/robert-t-kiyosaki/most-people-given-more-money-only-get-into-more-debt/) [Robert T. Kiyosaki](https://sms4smile.com/quotes/author/robert-t-kiyosaki/) > [“An honest man is a debtless man, he doesn't owe anyone anything.”](https://sms4smile.com/quotes/amit-kalantri/an-honest-man-is-a-debtless-man-he-doesn-t-owe-anyone-anything/) [Amit Kalantri](https://sms4smile.com/quotes/author/amit-kalantri/) > [It is perhaps my greatest hope, Mr. President, that some day we'll consider tax and spending measures with no one else in mind but…](https://sms4smile.com/quotes/john-mccain/it-is-perhaps-my-greatest-hope-mr-president-that-some-day-we-ll/) [John McCain](https://sms4smile.com/quotes/author/john-mccain/) > [The American people reject the idea of giving Washington a blank check to increase the debt limit.](https://sms4smile.com/quotes/martha-roby/the-american-people-reject-the-idea-of-giving-washington-a-blank/) [Martha Roby](https://sms4smile.com/quotes/author/martha-roby/) > [Without a trace of irony I can say I have been blessed with brilliant enemies. I owe them a great debt, because they redoubled…](https://sms4smile.com/quotes/e-o-wilson/without-a-trace-of-irony-i-can-say-i-have-been-blessed-with-brilliant/) [E. O. Wilson](https://sms4smile.com/quotes/author/e-o-wilson/) > [I love Black Sabbath. They made an amazing contribution to music today. Almost every band that made it big in the Nineties owed a…](https://sms4smile.com/quotes/dave-grohl/i-love-black-sabbath-they-made-an-amazing-contribution-to-music-today/) [Dave Grohl](https://sms4smile.com/quotes/author/dave-grohl/) > [“The human eye is restricted to see the useen, because there’s a price to be paid to the rulers of this image and if…](https://sms4smile.com/quotes/michael-bassey-johnson/the-human-eye-is-restricted-to-see-the-useen-because-there-s-a-price/) [Michael Bassey Johnson](https://sms4smile.com/quotes/author/michael-bassey-johnson/) > [It is a well-settled principle of the international code that where one nation owes another a liquidated debt which it refuses or neglects to…](https://sms4smile.com/quotes/andrew-jackson/it-is-a-well-settled-principle-of-the-international-code-that-where/) [Andrew Jackson](https://sms4smile.com/quotes/author/andrew-jackson/) > [Student loans have been helpful to many. But they offer neither incentive nor assistance to those students who, by reason of family or other…](https://sms4smile.com/quotes/john-f-kennedy/student-loans-have-been-helpful-to-many-but-they-offer-neither/) [John F. Kennedy](https://sms4smile.com/quotes/author/john-f-kennedy/) > [Our sins are debts that none can pay but Christ. 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