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“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.”
Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

Friedrich Nietzsche
“That which does not kill us makes us stronger.”
Friedrich Nietzsche

“If you don’t own the goal and it doesn’t come from your dream, then you won’t have the toughness to persevere when the going gets tough. And I will promise you that the going will get tough. There is never an exception—everyone who wins must push through obstacles, lots of them. You simply will not get up at dawn for your three-mile run because your wife wants you thinner. Big goals require big backbone—wimps need not apply.”
Dave Ramsey, EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches

George Bernard Shaw
“The reasonable man adapts himself to the world: the unreasonable one persists in trying to adapt the world to himself. Therefore all progress depends on the unreasonable man.”
George Bernard Shaw, Man and Superman

“The German root word for “debt” is the same as for “guilt.”
Dave Ramsey, The Money Answer Book: Quick Answers to Everyday Financial Questions

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