JP Visto

“Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, vision cleared, ambition inspired, and success achieved. HELEN KELLER”
― Dave Ramsey, The Money Answer Book: Quick Answers for Your Everyday Financial Questions (Answers to Over 100 of Your Questions on Personal Finance, Budgeting, Saving, ... How to Build Wealth)

“Years ago, in a motivational seminar by the master, Zig Ziglar, I heard a story about how mediocrity will sneak up on you. The story goes that if you drop a frog into boiling water, he will sense the pain and immediately jump out. However, if you put a frog in room-temperature water, he will swim around happily, and as you gradually turn the water up to boiling, the frog will not sense the change. The frog is lured to his death by gradual change. We can lose our health, our fitness, and our wealth gradually, one day at a time. It might be a cliché, but that’s because it is true: The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“Pray like it all depends on God, but work like it all depends on you.”
― Dave Ramsey