Michael Baggett

“Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.”
― Dave Ramsey, Smart Money Smart Kids: Raising the Next Generation to Win with Money

“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)