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I just might be the only talk radio host in the country that does not endorse gold! The reason is simple: gold is a horrible investment! . . . People started buying it more not because it's a good investment, but because of some false belief that if the economy totally collapses gold will hold its value. If that were true , gold coins would have become the dominant currency in New Orleans during the Katrina disaster! That's a great picture of a mini economic breakdown. If you had been there at the time, I bet you would have gotten a lot more for a bottle of water than for gold coin!

But look at the numbers. Gold was worth $21 an ounce in 1833 up to $275 per ounce by 2001 and then shot up to about $1,345 by 2010. Even including this crazy growth gold experience in the first decade of this century, the 177 year track record for gold is just 2.38%...if gold was ever a good investment you always want to buy low and sell high. Gold gives you the chance to do the opposite, that's a bad plan.

— The Legacy Journey by Dave Ramsey (Page 220 - 221)

If you are living in America and your household makes $34,000 a year [$45,000 adjusted for inflation] you are in the top 1 percent of income earners in the world.

— The Legacy Journey by Dave Ramsey (Page 20)

We get in the habit of compartmentalizing our lives, thinking that we have to be one way at church, one way at home, and yet another way at work. Where I come from, we call that hypocrisy.

— The Legacy Journey by Dave Ramsey (Page 90)

The apostle Paul wrote, "I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I hane learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want" (Philippines 4:11-12 NIV). I love the last part: "whether well fed or hungry, whether living in plenty or in want." By the way, Paul wrote that while he was sitting in prison! Even in prison, Paul's contentment wasn't based on his circumstances.

— The Legacy Journey by Dave Ramsey (Page 83)

People don't understand contentment today. In our materialistic, stuff-driven society, were bigger is better and faster is master, it can seem impossible to actually find contentment—to slow down and say, "I'm content with the car I have, the house I own, and the job I love."

— The Legacy Journey by Dave Ramsey (Page 58)