Dave Ramsey - Zitate und Weisheiten

When asked about mortgages, I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.

While so many people don’t even realize the importance and sense of fulfillment that come from owning your home, we found this to be the last and biggest step in finding true financial peace.

Sometimes the market fluctuates, but as mature investors we ride out the waves, stay in for the long term. Sometimes I meet people who arrive at this step and are scared because just as they reach retirement age, their investments are heading down. Never fear; if you have quality investments with long-term track records, they will come back.

When your money makes more than you do, you are officially wealthy. When you can comfortably live on your investment income, you are financially secure. Money is a hard worker, harder than you. Money never gets sick, never gets pregnant, and is never disabled. Money works twenty-four hours a day, seven days a week. Money gets its job done, and it asks for only directions and a firm master.

Margaret Thatcher said, “No one would remember the good Samaritan if he’d only had good intentions; he had money as well.”

Antoine Rivaroli said, “There are men who gain from their wealth only the fear of losing it.”