Effort Ninja

“If you will live like no one else, later you can live like no one else.”
― Dave Ramsey

“We buy things we don't need with money we don't have to impress people we don't like.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“If you’re married, agree on the budget with your spouse. This one sentence requires a stand-alone book to describe how, but the bottom line is this: if you aren’t working together, it is almost impossible to win. Once the budget is agreed on and is in writing, pinky-swear and spit-shake that you will never do anything with money that is not on that paper. The paper is the boss of the money, and you are the boss of what goes on the paper, but you have to stick to the budget, or it’s just an elaborate theory.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“Having children doesn’t make you a good parent, it means you had sex. That’s all.”
― Dave Ramsey, EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches