Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.
Interpretation
Experiencing extreme lows can lead to transformative growth and strength.
Dave Ramsey expresses a profound duality in his experience of hitting rock bottom. He acknowledges that while it was the most challenging moment of his life, it also served as a catalyst for personal growth and change, ultimately shaping him into a stronger and more resilient person.
In practice
During a motivational speech, when discussing overcoming challenges.
Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without a mortgage ... a student without a loan ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.
The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.
Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to do. Most of them don't care about you or your situation as long as they get some money.
Your priorities, passions, goals, and fears are shown clearly in the flow of your money.
You have to teach children about money intentionally - create teachable moments.
As parents, we teach our kids about things we feel competent in. That's why so many parents don't teach their kids about money.
Sometimes, running away means you're headed in the exact right direction.
I am a soldier, convinced that I am acting on behalf of soldiers.
When you compare what people endured in the South in the 60s to try to get the right to vote for African Americans, and to compare what people were subjected to there to what happened in Philadelphia - which was inappropriate, certainly that . . . to describe it in those terms I think does a great disservice to people who put their lives on the line, who risked all, for my people.
People respond differently to people who are grieving. They reach out. But depression is so very isolating. It's hard to explain to anyone who has never been depressed how isolating it is. Grief comes and goes, but depression is unremitting.
Although I wasn't invited to shake hands with Hitler, I wasn't invited to the White House to shake hands with the President either.
To become an ace a fighter must have extraordinary eyesight, strength, and agility, a huntsman's eye, coolness in a pinch, calculated recklessness, a full measure of courage and occasional luck!
Subscribe for the occasional hand-picked quote. No noise.