--- title: "Meaning & Key Takeaway of: The thing I have discovered about working…" description: "\"The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 pe..." image: "https://sms4smile.com/quotes/i/fdd/dave-ramsey-1362_behavior_the-thing-i-have-discovered-about-workin_1857914.jpg" --- # The thing I have discovered about working with personal… ![“The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.” quote by Dave Ramsey](https://sms4smile.com/quotes/i/fdd/dave-ramsey-1362_behavior_the-thing-i-have-discovered-about-workin_1857914.jpg) [Download](https://sms4smile.com/quotes/i/fdd/dave-ramsey-1362_behavior_the-thing-i-have-discovered-about-workin_1857914.jpg) [Open image](https://sms4smile.com/quotes/i/fdd/dave-ramsey-1362_behavior_the-thing-i-have-discovered-about-workin_1857914.jpg) > “The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.” [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. Personal finance success depends mostly on habits, not complex theory. **In simple terms:** Finance is about behavior more than knowledge. Key Takeaway Focus on daily habits. Themes money behavior finance habits success Mood practical encouraging Type advice motivational When to use this quote - budgeting - investment planning - debt reduction - financial goal setting Key Concepts behavioral economics habit formation Questions to Reflect On - What habit could you improve today? - How do your emotions affect spending? A Different Perspective Changing knowledge alone won’t change outcomes. ★ ★ ★ ★ ★ No ratings yet [Behavior](https://sms4smile.com/quotes/about/behavior/) [Finance](https://sms4smile.com/quotes/about/finance/) [Finance 80](https://sms4smile.com/quotes/about/finance-80-2481764/) [Finance Good](https://sms4smile.com/quotes/about/finance-good-2481763/) [Good](https://sms4smile.com/quotes/about/good/) [Good news](https://sms4smile.com/quotes/about/good-news/) [Knowledge](https://sms4smile.com/quotes/about/knowledge/) [Money](https://sms4smile.com/quotes/about/money/) [News](https://sms4smile.com/quotes/about/news/) [Percent](https://sms4smile.com/quotes/about/percent/) [Percent Behavior](https://sms4smile.com/quotes/about/percent-behavior-2474288/) [Personal finance](https://sms4smile.com/quotes/about/personal-finance/) [Rocket science](https://sms4smile.com/quotes/about/rocket-science/) [Rockets](https://sms4smile.com/quotes/about/rockets/) [Science](https://sms4smile.com/quotes/about/science/) [Working Personal](https://sms4smile.com/quotes/about/working-personal-1937337/) ## Related quotes > [Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us…](https://sms4smile.com/quotes/dave-ramsey/winning-at-money-is-80-percent-behavior-and-20-percent-head-knowledge/) [Dave Ramsey](https://sms4smile.com/quotes/author/dave-ramsey/) > [I don't choose characters with the intention of working something out in my personal life.](https://sms4smile.com/quotes/michael-pitt/i-don-t-choose-characters-with-the-intention-of-working-something-out/) [Michael Pitt](https://sms4smile.com/quotes/author/michael-pitt/) > [I'm constantly working towards my personal improvement.](https://sms4smile.com/quotes/disha-patani/i-m-constantly-working-towards-my-personal-improvement/) [Disha Patani](https://sms4smile.com/quotes/author/disha-patani/) > [When you're with your family you're with them and when you're working you're doing that. I definitely try to separate the time when I'm…](https://sms4smile.com/quotes/melanie-fiona/when-you-re-with-your-family-you-re-with-them-and-when-you-re-working/) [Melanie Fiona](https://sms4smile.com/quotes/author/melanie-fiona/) > [You know, people tend to get stereotyped for about forty percent of their behavior, so if you're completely crazy forty percent of the time…](https://sms4smile.com/quotes/irvine-welsh/you-know-people-tend-to-get-stereotyped-for-about-forty-percent-of/) [Irvine Welsh](https://sms4smile.com/quotes/author/irvine-welsh/) > [Getting along with the gang in one place is not any harder than getting along in another. It depends about 98 percent on your…](https://sms4smile.com/quotes/norman-vincent-peale/getting-along-with-the-gang-in-one-place-is-not-any-harder-than/) [Norman Vincent Peale](https://sms4smile.com/quotes/author/norman-vincent-peale/) > [Fully 95 percent of our behavior, feeling, and response is habitual.](https://sms4smile.com/quotes/maxwell-maltz/fully-95-percent-of-our-behavior-feeling-and-response-is-habitual/) [Maxwell Maltz](https://sms4smile.com/quotes/author/maxwell-maltz/) > [Being a smart shopper is the first step to getting rich.](https://sms4smile.com/quotes/mark-cuban/being-a-smart-shopper-is-the-first-step-to-getting-rich/) [Mark Cuban](https://sms4smile.com/quotes/author/mark-cuban/) > [Frugality doesn't have to be frumpy! Love your budget, love your life. Fashion, beauty, personal finance, pugs & general girly ruckus.](https://sms4smile.com/quotes/anonymous/frugality-doesn-t-have-to-be-frumpy-love-your-budget-love-your-life/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [“Are your kids better off watching 10 hours of Nickelodeon and the Disney Channel every week?”](https://sms4smile.com/quotes/ian-lamont/are-your-kids-better-off-watching-10-hours-of-nickelodeon-and-the/) [Ian Lamont](https://sms4smile.com/quotes/author/ian-lamont/) > [“Your dreams are closer than you think.”](https://sms4smile.com/quotes/prince-ojong/your-dreams-are-closer-than-you-think/) [Prince Ojong](https://sms4smile.com/quotes/author/prince-ojong/) > [Do not save what is left after spending, but spend what is left after saving.](https://sms4smile.com/quotes/warren-buffett/do-not-save-what-is-left-after-spending-but-spend-what-is-left-after/) [Warren Buffett](https://sms4smile.com/quotes/author/warren-buffett/) > [Automating some of your finances can be incredibly convenient and is a great way to save time, but automating everything makes it too easy…](https://sms4smile.com/quotes/alexa-von-tobel/automating-some-of-your-finances-can-be-incredibly-convenient-and-is/) [Alexa Von Tobel](https://sms4smile.com/quotes/author/alexa-von-tobel/) > [ “The Bradford Exchange—a knockoff of \[Joseph\] Segel’s \[Franklin Mint\] business—created a murky secondary market for its collector plates, complete with advertisements featuring its “brokers”… ](https://sms4smile.com/quotes/zac-bissonnette/the-bradford-exchange-a-knockoff-of-joseph-segel-s-franklin-mint/) [Zac Bissonnette](https://sms4smile.com/quotes/author/zac-bissonnette/) > [“A new car can be driven for 10 years or more if it’s properly maintained. Heck, drive that sucker into the ground before you…](https://sms4smile.com/quotes/ian-lamont/a-new-car-can-be-driven-for-10-years-or-more-if-it-s-properly/) [Ian Lamont](https://sms4smile.com/quotes/author/ian-lamont/) ## 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 Behavior quotes > [The vision of the left, full of envy and resentment, takes its worst toll on those at the bottom - whether black or white…](https://sms4smile.com/quotes/thomas-sowell/the-vision-of-the-left-full-of-envy-and-resentment-takes-its-worst/) [Thomas Sowell](https://sms4smile.com/quotes/author/thomas-sowell/) > [By making conscious choices in our behavior and where we focus our attention, we can transform our experience of our body, decrease our biological…](https://sms4smile.com/quotes/deepak-chopra/by-making-conscious-choices-in-our-behavior-and-where-we-focus-our/) [Deepak Chopra](https://sms4smile.com/quotes/author/deepak-chopra/) > [As you begin changing your thinking, start immediately to change your behaviour. Begin to act the part of the person you would like to…](https://sms4smile.com/quotes/anonymous/as-you-begin-changing-your-thinking-start-immediately-to-change-your/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [“I now know that deep within the human concept is something dark, selfish, and completely willing to do whatever is necessary to support the…](https://sms4smile.com/quotes/melissa-west/i-now-know-that-deep-within-the-human-concept-is-something-dark/) [Melissa West](https://sms4smile.com/quotes/author/melissa-west/) > [“We are endowed with genes which code out our reaction to beavers and otters, maybe our reaction to each other as well. We are…](https://sms4smile.com/quotes/lewis-thomas/we-are-endowed-with-genes-which-code-out-our-reaction-to-beavers-and/) [Lewis Thomas](https://sms4smile.com/quotes/author/lewis-thomas/) > [The number of poor, and poorly prepared, students who succeed in college and beyond undercuts the simplistic notion that economic or educational disadvantage is…](https://sms4smile.com/quotes/roland-merullo/the-number-of-poor-and-poorly-prepared-students-who-succeed-in/) [Roland Merullo](https://sms4smile.com/quotes/author/roland-merullo/) > [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](https://sms4smile.com/quotes/author/burne-hogarth/) > [You don't put milk in chamomile tea - that's disgusting behavior! That's not right.](https://sms4smile.com/quotes/laura-fraser/you-don-t-put-milk-in-chamomile-tea-that-s-disgusting-behavior-that-s/) [Laura Fraser](https://sms4smile.com/quotes/author/laura-fraser/) > [The laws of thermodynamics, as empirically determined, express the approximate and probable behavior of systems of a great number of particles, or, more precisely,…](https://sms4smile.com/quotes/j-willard-gibbs/the-laws-of-thermodynamics-as-empirically-determined-express-the/) [J. Willard Gibbs](https://sms4smile.com/quotes/author/j-willard-gibbs/) > [I started with the belief that every person who came to the laboratory was free to accept or to reject the dictates of authority.…](https://sms4smile.com/quotes/stanley-milgram/i-started-with-the-belief-that-every-person-who-came-to-the/) [Stanley Milgram](https://sms4smile.com/quotes/author/stanley-milgram/) > [The tipping point is that magic moment when an idea, trend, or social behavior crosses a threshold, tips, and spreads like wildfire.](https://sms4smile.com/quotes/malcolm-gladwell/the-tipping-point-is-that-magic-moment-when-an-idea-trend-or-social/) [Malcolm Gladwell](https://sms4smile.com/quotes/author/malcolm-gladwell/) > [I think we've told a lot of lies about human behavior through film.](https://sms4smile.com/quotes/patricia-arquette/i-think-we-ve-told-a-lot-of-lies-about-human-behavior-through-film/) [Patricia Arquette](https://sms4smile.com/quotes/author/patricia-arquette/) > [The strongest rebellion may be expressed in quiet, undramatic behavior.](https://sms4smile.com/quotes/benjamin-spock/the-strongest-rebellion-may-be-expressed-in-quiet-undramatic-behavior/) [Benjamin Spock](https://sms4smile.com/quotes/author/benjamin-spock/) > [The behavior of any bureaucratic organization can best be understood by assuming that it is controlled by a secret cabal of its enemies.](https://sms4smile.com/quotes/robert-conquest/the-behavior-of-any-bureaucratic-organization-can-best-be-understood/) [Robert Conquest](https://sms4smile.com/quotes/author/robert-conquest/) > [If you want good behavior, don't pay on a commission basis. Our judges aren't paid so much a case. We keep them pretty well…](https://sms4smile.com/quotes/charlie-munger/if-you-want-good-behavior-don-t-pay-on-a-commission-basis-our-judges/) [Charlie Munger](https://sms4smile.com/quotes/author/charlie-munger/) [Browse all 4,218 Behavior quotes ](https://sms4smile.com/quotes/about/behavior/) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Quotation", "text": "The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. 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