Fear is the enemy of hope

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

Dave Ramsey graduated in from College of Business Administration, University of Tennessee at Knoxville in 1982 specializing in finance and real estate. 

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

Dave Ramsay is a renowned US businessman, author, motivational speaker, radio host and TV personality. His mission is to make people spend without incurring debt as it is an essential factor for success in life. His writings and broadcasts have an overtone of Christian religious perspectives.

His firm Ramsey Investments was focussed on real estate investments and soon grew into a big multi-million dollar empire. But with stricter market regulation, his real estate business went into hard times. His creditor company was taken over by a larger bank and he was asked to pay back his outstanding amount in a short duration which made him bankrupt.

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

He goes by Biblical teachings when it comes to providing financial advice. The Proverb 24:7 in the Bible tells us that the rich rule the poor and debtors are slaves of lenders. His advice is to keep off debt. He preaches what he says- he decided not to borrow a penny after his real estate business debacle. His website doesn’t accept credit card payments, only debit cards. He advises his disciples to go for 15 years fixed mortgage and nothing else by way of debt.

" Act your wage. "

The Dave Ramsey Show was a popular program that was aired on the Fox Business Network until 2010. It was a highly popular program and was first produced as a pilot for CBS but wasn’t aired. Since 2013, Dave Ramsey Show was televised as a live video feed featuring the 3-hour call-in show.

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

Top 4 books recommended by Dave Ramsey :

image Simon Sinek

Start with Why: How Great Leaders Inspire Everyone to Take Action

The inspiring, life-changing bestseller by the author of LEADERS EAT LAST and TOGETHER IS BETTER.
 
In 2009, Simon Sinek started a movement to help people become more inspired at work, and in turn inspire their colleagues and customers. Since then, millions have been touched by the power of his ideas, including more than 28 million who’ve watched his TED Talk based on START WITH WHY -- the third most popular TED video of all time.
 
Sinek starts with a fundamental question: Why are some people and organizations more innovative, more influential, and more profitable than others? Why do some command greater loyalty from customers and employees alike? Even among the successful, why are so few able to repeat their success over and over?
 
People like Martin Luther King Jr., Steve Jobs, and the Wright Brothers had little in common, but they all started with WHY. They realized that people won't truly buy into a product, service, movement, or idea until they understand the WHY behind it. 
 
START WITH WHY shows that the leaders who've had the greatest influence in the world all think, act, and communicate the same way -- and it's the opposite of what everyone else does. Sinek calls this powerful idea The Golden Circle, and it provides a framework upon which organizations can be built, movements can be led, and people can be inspired. And it all starts with WHY.
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image Dave Logan

Tribal Leadership: Leveraging Natural Groups to Build a Thriving Organization

Tribal Leadership gives amazingly insightful perspective on how people interact and succeed. I learned about myself and learned lessons I will carry with me and reflect on for the rest of my life.”
—John W. Fanning, Founding Chairman and CEO napster Inc.

“An unusually nuanced view of high-performance cultures.”
 —Inc.

Within each corporation are anywhere from a few to hundreds of separate tribes. In Tribal Leadership, Dave Logan, John King, and Halee Fischer-Wright demonstrate how these tribes develop—and show you how to assess them and lead them to maximize productivity and growth. A business management book like no other, Tribal Leadership is an essential tool to help managers and business leaders take better control of their organizations by utilizing the unique characteristics of the tribes that exist within.

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image Laura Hillenbrand

Unbroken: A World War II Story of Survival, Resilience, and Redemption

#1 NEW YORK TIMES BESTSELLER • NOW A MAJOR MOTION PICTURE • Look for special features inside. Join the Random House Reader’s Circle for author chats and more.

In boyhood, Louis Zamperini was an incorrigible delinquent. As a teenager, he channeled his defiance into running, discovering a prodigious talent that had carried him to the Berlin Olympics. But when World War II began, the athlete became an airman, embarking on a journey that led to a doomed flight on a May afternoon in 1943. When his Army Air Forces bomber crashed into the Pacific Ocean, against all odds, Zamperini survived, adrift on a foundering life raft. Ahead of Zamperini lay thousands of miles of open ocean, leaping sharks, thirst and starvation, enemy aircraft, and, beyond, a trial even greater. Driven to the limits of endurance, Zamperini would answer desperation with ingenuity; suffering with hope, resolve, and humor; brutality with rebellion. His fate, whether triumph or tragedy, would be suspended on the fraying wire of his will.
 
Appearing in paperback for the first time—with twenty arresting new photos and an extensive Q&A with the author—Unbroken is an unforgettable testament to the resilience of the human mind, body, and spirit, brought vividly to life by Seabiscuit author Laura Hillenbrand.

Hailed as the top nonfiction book of the year by Time magazine • Winner of the Los Angeles Times Book Prize for biography and the Indies Choice Adult Nonfiction Book of the Year award
 
“Extraordinarily moving . . . a powerfully drawn survival epic.”The Wall Street Journal
 
“[A] one-in-a-billion story . . . designed to wrench from self-respecting critics all the blurby adjectives we normally try to avoid: It is amazing, unforgettable, gripping, harrowing, chilling, and inspiring.”—New York
 
“Staggering . . . mesmerizing . . . Hillenbrand’s writing is so ferociously cinematic, the events she describes so incredible, you don’t dare take your eyes off the page.”People
 
“A meticulous, soaring and beautifully written account of an extraordinary life.”—The Washington Post
 
“Ambitious and powerful . . . a startling narrative and an inspirational book.”—The New York Times Book Review
 
“Magnificent . . . incredible . . . [Hillenbrand] has crafted another masterful blend of sports, history and overcoming terrific odds; this is biography taken to the nth degree, a chronicle of a remarkable life lived through extraordinary times.”—The Dallas Morning News
 
“An astonishing testament to the superhuman power of tenacity.”Entertainment Weekly
 
“A tale of triumph and redemption . . . astonishingly detailed.”O: The Oprah Magazine
 
“[A] masterfully told true story . . . nothing less than a marvel.”Washingtonian
 
“[Hillenbrand tells this] story with cool elegance but at a thrilling sprinter’s pace.”—Time
 
“Hillenbrand [is] one of our best writers of narrative history. You don’t have to be a sports fan or a war-history buff to devour this book—you just have to love great storytelling.”—Rebecca Skloot, author of The Immortal Life of Henrietta Lacks
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image A. A. Milne

Lencioni, Patrick M.'s The Advantage: Why Organizational Health Trumps Everything Else In Business Hardcover

There is a competitive advantage out there, arguably more powerful than any other. Is it superior strategy? Faster innovation? Smarter employees? No, New York Times best-selling author, Patrick Lencioni, argues that the seminal difference between successful companies and mediocre ones has little to do with what they know and how smart they are and more to do with how healthy they are. In this book, Lencioni brings together his vast experience and many of the themes cultivated in his other best-selling books and delivers a first: a cohesive and comprehensive exploration of the unique advantage organizational health provides.
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