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The Quote of the Day Show | Daily Motivational Talks

Dave Ramsey: “You Will Never Win with Money as Long as You Struggle with Debt.”

The Quote of the Day Show | Daily Motivational Talks

Sean Croxton

Entrepreneurship, Mental Health, Education, Self-improvement, Health & Fitness, Business

4.83.1K Ratings

🗓️ 26 December 2025

⏱️ 15 minutes

🧾️ Download transcript

Summary

Dave Ramsey lays out why debt is the greatest enemy of financial freedom and how Baby Step Two — the debt snowball — breaks its grip. With humor and blunt truth, he explains how debt steals your income, normalizes broke behavior, and delays generosity, wealth, and peace. Freedom begins when payments end.


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Source: Financial Peace (🔴 Live): Baby Step 2 Explained

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Transcript

Click on a timestamp to play from that location

0:00.0

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0:28.3

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0:31.6

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0:33.6

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0:38.8

Discover why there's more to imagine when you listen at audible.com slash best of the year.

0:43.6

See, your largest wealth building tool is your income.

0:46.9

And when you give your income to other people called banks,

0:50.1

they have nicer furniture and bigger buildings than you have.

0:52.8

You think Santa Claus built those buildings?

1:18.3

You did. You gave all of your sweat to someone else. Thank you. Welcome back to the quote of the day show.

1:21.2

I am your host, Sean Croxton of Sean Croxton.

1:25.8

We got Dave Ramsey of Ramsey Solutions on the show today.

1:27.9

He's going to talk about debt.

1:30.1

You know, at the end of yesterday's episode,

1:32.6

I encourage you to listen to today's talk before you go out today and start buying stuff.

1:35.5

Because I know how it is.

1:36.8

These deals, these after Christmas deals,

1:39.2

can be very appealing, right?

1:41.9

Like, don't miss out.

1:42.9

You're going to miss out on this deal.

1:44.3

And it's like we go out and we buy stuff and we never use it.

...

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