Ramsey Quotes

We buy things we don't need with money we don't have to impress people we don't like.

If you will live like no one else, later you can live like no one else.

Christopher heard a pair of women gossiping nearby, whispering in disapproving undertones. "... Ramsey was found flirting in a corner with a woman. They had to drag him away from her." "Who was it?" "His own wife." "Oh, dear.

As a matter of fact, she has refused to marry me.” “So when's the wedding?” Ramsey asked.

Pray like it all depends on God, but work like it all depends on you.

Act your wage.

A budget is telling your money where to go instead of wondering where it went.

You must gain control over your money or the lack of it will forever control you.

For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don't back down.

I do want you Ramsey Bridges," she told him as a matter-of-fact. "And you shall have me whenever you like.

Tradition is a pretty poor excuse for perpetrating stereotypes.

Fear is the enemy of hope.

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.

A few minutes later, she was once again riding her own horse. Deciding to take the lead, she nudged the mare into a trot, and as she passed Brodick and Ramsey, she called out, "You used trickery." "Yes, I did," he admitted. "Are you angry with me?" She laughed again. "I don't get angry. I get even." Unbeknownst to her, she had just recited the Buchanan creed.

It is human nature to want it and want it now; it is also a sign of immaturity. Being willing to delay pleasure for a greater result is a sign of maturity.

One way to avoid what has already been done is to be true to yourself.

Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!

Aristotle once said, “To avoid criticism say nothing, do nothing, and be nothing.

You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.

The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.

Stupid is not illegal.

typical millionaire lives in a middle-class home, drives a two-year-old or older paid-for car, and buys blue jeans at Wal-Mart.

A budget is people telling their money where to go instead of wondering where it went.

Do you want to just fuck me in front of all your friends? Because all you seem to be doing is fucking me over Ramsey.

That stupid saying "What you don't know can't hurt you" is ridiculous. What you don't know can kill you. If you don't know that tractor trailer trucks hurt when hitting you, then you can play in the middle of the interstate with no fear - but that doesn't mean you won't get killed.

Seth Godin says, “Instead of wondering when your next vacation is, maybe you should set up a life you don’t need to escape from.

Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.

Only after the words were spoken did she realize what she had said. "My sins are all your fault, Brodick, and if I have to go to purgatory, then by God, you're going with me. Ramsey, if you do not stop laughing,I swear I shall toss you over this cliff." "Do you love him, lass?" Father asked. "I do not," she answered emphatically. "It isn't a requirement," Laggan pointed out. "I should hope not," she cried. "But it would make your life easier," he countered. "Gillian, you will tell the truth," Brodick demanded. He grabbed hold of her hand. She tried to pull back, but he wouldn't let go. "I have told the truth. I don't love Ramsey, and if he doesn't stop laughing at me, the Sinclairs will soon be looking for a new laird." "Not Ramsey," Laggan shouted so he could be heard over Ramsey's laughter. "I'm asking you if you love Brodick." "Did you tell Father I love you? Who else did you tell?

A good plan, violently executed now, is better than a perfect plan next week. —George S. Patton

Children are sponges—they are going to absorb whatever is around them, so we need to be intentional about what surrounds them.

Parents who let teens run around with unearned adult freedoms are naive and stupid.

Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.

I don't feel the least humble before the vastness of the heavens. The stars may be large, but they cannot think or love; and these are qualities which impress me far more than size does. My picture of the world is drawn in perspective, and not like a model to scale. The foreground is occupied by human beings and the stars are all as small as threepenny bits.

There's a whole generation growing up thinking...the government exists to care for them.

Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this.

Savings without a mission is garbage. Your money needs to work for you, not lie around you.

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.

Youth is the time for dreams, boy...The trick is, when you get older, not to forget them. —Captain John Winters

Live like no else today, so you can live like no else tomorrow.

Henry Ford said, “Those who never make mistakes work for those of us who do.

Opposites attract. If two people just alike get married, one of you is unnecessary. LARRY BURKETT

Are you going to keep her?" "Yes." "Does she know it?" "Not yet." Ramsey overheard the conversation and laughed heartily. "I assume you've considered all the problems, Brodick." "I have." "It won't be an easy life for her living with—" Ramsey began. Brodick finished his sentence for him. "Living with the Buchanan clan. I know, and I worry about her adjustment." Ramsey grinned. "That's not what I was going to say. It won't be easy for her living with you. Rumor has it, you're a difficult man to be around." Brodick didn't take offense. "Gillian's aware of my flaws." "And she'll still have you?" Winslow asked. "As a matter of fact, she has refused to marry me." Knowing Brodick as well as they did, both Ramsey and Winslow began to laugh again. "So when's the wedding?" Ramsey asked.

Then it stands to reason that love doesn't make a man less than what he already is." "It makes him vulnerable." "Perhaps it does," Ramsey agreed. "And if his mind is constantly consumed with thoughts of her, then he becomes weak. Is that not so?" Ramsey smiled. "I'll tell you what is so. You love her, Brodick, and that scares the hell out of you." "I should have broken your nose.

A year of intense exercise and watching what you eat will likely change the trajectory of your life physically. You will melt away fat, tone up muscle, feel better, and change your habits, likely for life. But only ten days of that exercise program won’t move the needle on the scale. To create big-time success you have to stay focused and stay intense over an extended period of time.

You must sell benefits, not products.

Often the pain that makes us feel most stuck is not our suffering; it is experiencing distress in the presence of people who expect us to get better faster than we can.

It is the ultimate wisdom of the mountains that a man is never more a man than when he is striving for what is beyond his grasp. -James Ramsey Ullman

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

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.

You have to reach the point that what people think is not your primary motivator. Reaching the goal is the motivator.

Measure your wealth not by the things you have, but by the things for which you would not take money.

Living with long-term suffering in American culture feels like being off-key. Suffering quiets and slows, but our culture prefers a crescendo.

Debt is normal! So why be normal?

Logic issues in tautologies, mathematics in identities, philosophy in definitions; all trivial, but all part of the vital work of clarifying and organising our thought.

Most people won’t change until the pain of where they are exceeds the pain of change.

Having children doesn’t make you a good parent, it means you had sex. That’s all.

The baron reminds me of someone, but I can't quite put my finger on who it is," Ramsey remarked. "I swear my own father never talked to me the way Gillian's uncle just did." "Your father died before you were old enough to know him." "It was humiliating, damn it. He sure as certain wasn't what I expected. The way Gillian talked about him, I pictured a mild-mannered gentleman. She thinks he's… gentle. Is the woman blind? How in God's name can she love such a crotchety old…" Ramsey's head snapped up, and he suddenly burst into laughter, breaking Brodick's train of thought. "It's you." "What?" "Morgan… he reminds me of you. My God, Gillian married a man just like her uncle. Look at the baron and you'll see yourself in twenty years." "Are you suggesting I'm going to become a belligerent, foul-tempered old man?" "Hell, you're already belligerent and foul-tempered. No wonder she fell in love with you," he drawled

You must plan your work and then work your plan.

If you keep doing the same things, you will keep getting the same results. You are where you are now financially as a sum total of the decisions you've made to this point.

because God has said, “Never will I leave you; never will I forsake you.” HEBREWS 13:5 NIV

Vision without action is a daydream. Action without vision is a nightmare. JAPANESE PROVERB

So content people may not have the best of everything, but they make the best of everything. That is who you want your children to be.

Despite countless prayers for Joseph to be safe, God said no. His plan remains a mystery. I have had to accept that mystery and trust Him in the dark.

The German root word for “debt” is the same as for “guilt.

Grasping to find the purpose in your pain may be the very thing preventing you from experiencing comfort and even transformation in your suffering.

If you as a leader allow people to halfway do their jobs and don’t demand excellence as a prerequisite to keeping their job, you will create a culture of mediocrity.

one reason people make bad decisions is they don’t have a good decision as one of their options.

Hope is steel covered in velvet. It can seem soft and cuddly, but hope is at the core of what makes people become what God designed them to be. Hope and its sister, faith, always create action.

As soon as the boy left the hall, Ramsey suggested that Brodick fill Gideon in on all that had transpired. "Our commanders are going to have to coordinate their efforts for the attack," he said. "Iain wants Winslow and Dylan and you to handpick the soldiers who'll ride with us into England." "We're attacking England?" Gideon asked, astonished. "No," Brodick answered. "Though the thought of it warms my heart.

The chief danger to our philosophy, apart from laziness and woolliness, is scholasticism, . . . which is treating what is vague as if it were precise....

A good man leaves an inheritance to his children’s children” (Prov. 13:22 NKJV). I

Albert Einstein said, “Great spirits have often encountered violent opposition from weak minds.

Requiring nothing of a child gives them no opportunity for failure or success.

No one wins the Super Bowl accidentally. Be intentional, Be Passionate, Don't mail it in! You got this!

But there's also the fact that in my experience most of my readers are first and foremost plain old-fashioned readers. Good readers. They're not looking for cozy brand-name output and that means I don't have to give it to 'em. They're not lazy and have little patience with pre-fab beach-bag books or Oprah's opine du jour. They're questers. They know that every now and then you're gonna get lucky and pure gold like King and Straub's Black House will simply drop into your lap at the local supermarket but after that, if your bent is horror and suspense fiction, you're gonna have to get your hands dirty and root around for more. Find a Ramsey Campbell or an Edward Lee. They expect diversity and search it out. They want what all good readers want - to be taken somewhere in a book or a story that's really worth visiting for a while. Maybe even worth thinking about after. If that place happens to scare the hell out of you all the better.

Debt is so ingrained into our culture that most Americans cannot even envision a car without a payment, a house without a mortgage, a student without a loan, and credit without a card. We

John Maxwell says a budget (for your money) is telling your money where to go instead of wondering where it went. Managing time is the same; you will either tell your day what to do or you will wonder where it went.

The weird thing is that the more efficient, on task, on goal you are with your time, the more energy you have. Working with no traction, or for that matter simply wasting a day, does not relax you, it drains you.// Strange as it may seem, when you work a daily plan in pursuit of your written goals that flow from your mission statement born of your vision for living your dreams, you are energized after a tough long day.

We are scaling down” is a painful statement to make to friends or family.

I finally realized that results are generated by activities. If I manage my activities then the results I want occur.

Humpty Dumpty is hard to put back together, and so is trust.

When pain of any kind makes us feel less ourselves and less capable of engaging in relationships, we experience it as suffering.

All pain triggers a reminder, deeper than thought, buzzing through blood and bone, that we are fragile and finite.

Only if you mix knowledge with attitude, character, perseverance, vision, diligence, and extreme levels of work will your college degree produce for you.

Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.

The lottery is a tax on poor people and on people who can’t do math. Rich people and smart people would be in the line if the lottery were a real wealth-building tool, but the truth is that the lottery is a rip-off instituted by our government. This is not a moral position; it is a mathematical, statistical fact. Studies show that the zip codes that spend four times what anyone else does on lottery tickets are those in lower-income parts of town. The lottery, or gambling of any kind, offers false hope, not a ticket out.

In the earliest years, when you could still drive a Volvo 240 without feeling self-conscious, the collective task in Ramsey Hill was to relearn certain life skills that your own parents had fled to the suburbs specifically to unlearn, like how to interest the local cops in actually doing their job, and how to protect a bike from a highly motivated thief, and when to bother rousting a drunk from your lawn furniture, and how to encourage feral cats to shit in somebody else’s children’s sandbox, and how to determine whether a public school sucked too much to bother trying to fix it.

All lives matter” is an empty retort designed to shut down conversations about black people and the issues they face. I think the “all lives matter” folks know that—they just refuse to admit it. Comeback: “It’s okay for a movement to be focused on a specific group or cause. ‘Save the rainforest’ doesn’t mean ‘Fuck all the other trees.

It must be sheer hell for you to be cursed with such a pretty boy's face," he drawled. "The agony of finding a different woman in your bed every night must wear you thin. I don't know where you get your stamina with this terrible burden you bear." The muscle in Ramsey's jaw flexed, which pleased Brodick considerably. "We know you've had as many women in your bed as I have," Ramsey snapped. "But I meant what I said. There are more important matters to discuss.

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.

The Bible says in Habakkuk 2:2, “Write the vision and make it plain.” The written goal is the breakfast of champions. You just can’t do big things without making your goals specific, measurable, yours, with a time limit, and in writing.

Whatare they doing?" Brodick glanced at the women. "Chasing Ramsey," he answered very matter-of-factly before returning to his task of scanning the field. "Why? "Why what?" he asked as he continued to search. She sighed. "Why are the ladies chasing him?" The question startled him, for what should have been obvious to Gillian appeared not to be obvious at all. With a shrug, he said, "It's what they all do." "All the ladies chase him?" she asked, still not understanding. He finally gave her his full attention. "Yes, they do," he said quietly. "But why?" "You don't know?" "I wouldn't ask if I knew, Brodick," she said, thoroughly perplexed. "They find him… handsome," he finally said for lack of a better word. "That's what I've been told anyway.

If you keep a $495 car payment throughout your life, which is “normal,” you miss the opportunity to save that money. If you invested $495 per month from age twenty-five to age sixty-five, a normal working lifetime, in the average mutual fund averaging 12 percent (the eighty-year stock market average), you would have $5,881,799.14 at age sixty-five. Hope you like the car!

No one had Ramsey's patience, Brodick thought to himself. Gideon obviously didn't know his laird well, for if he did, he would have known that under that thin layer of civility and diplomacy beat the heart of a savage warrior whose temper put Brodick's to shame. Unlike Brodick, Ramsey was slow to ignite, but once he had reached his limit or had been prodded too far, his reaction was explosive and most impressive. He could be far more brutal than Brodick, and perhaps that was one of the reasons they had become such good friends. They trusted each other. Aye, Brodick trusted and admired Ramsey as much as he trusted and admired the man who had trained them to be leaders, Iain Maitland.

The problem with your company is not the economy, it is not the lack of opportunity, it is not your team. The problem is you. That is the bad news. The good news is, if you're the problem, you're also the solution. You're the one person you can change the easiest. You can decide to grow. Grow your abilities, your character, your education, and your capacity. You can decide who you want to be and get about the business of becoming that person.

One thing I am sure of in my Total Money Makeover: I had to quit telling myself that I had innate discipline and fabulous natural self-control. That is a lie. I have to put systems and programs in place that make me do smart things. Saying, “Cross my fingers and hope to die, I promise, promise, promise I will pay extra on my mortgage because I am the one human on the planet who has that kind of discipline,” is kidding yourself. A big part of being strong financially is that you know where you are weak and take action to make sure you don’t fall prey to the weakness. And we ALL are weak. Sick

Leaves that rustled, twigs that scraped and rattled. But the thin shapes weren't falling, they were scurrying head first down the tree-trunks at a speed that seemed to leave time behind. Some of them had no shape they could have lived with, and some might never have had any skin. She saw their shriveled eyes glimmer eagerly and their toothless mouths gape with an identical infantile hunger. Their combined weight bowed the lowest branches while they extended arms like withered sticks to snatch the child. ("With The Angels")

Saving for a down payment or cash purchase of a home should occur after becoming debt-free in Step Two and after finishing the emergency fund in Step Three. That makes saving for a down payment Baby Step Three (b). You should save for the home if you have the itch before moving on to the next step. Many people are worried about getting a home, but please let it be a blessing rather than a curse. It will be a curse if you buy something while you are still broke. There are all sorts of folks who are eager to “work with you” so you can make it happen sooner, but the definition of “Creative Financing” is “Too Broke to Buy a House.

one reason to have a Total Money Makeover is to build wealth that allows you to have fun. So have some fun! Taking your family, even the extended ones, on a seven-day cruise, buying large diamonds, or even buying a new car are things you can afford to do when you have millions of dollars. You can afford to do these things because when you do them, your money position is hardly even affected. If you like travel, travel. If you like clothes, buy some. I am releasing you to have some fun with your money, because money is to be enjoyed. That guilt-free enjoyment is one of the three reasons to have a Total Money Makeover.

I have heard it said that if you tell a lie often enough, loudly enough, and long enough, the myth will become accepted as a fact. Repetition, volume, and longevity will twist and turn a myth, or a lie, into a commonly accepted way of doing things. Entire populations have been lulled into the approval of ghastly deeds and even participation in them by gradually moving from the truth to a lie. Throughout history, twisted logic, rationalization, and incremental changes have allowed normally intelligent people to be party to ridiculous things. Propaganda, in particular, has played a big part in allowing these things to happen.