The problem is you. The problem with me is the guy in my mirror. If I can get that turkey to behave he can be skinny, and rich and a good husband and a good dad, but he's got issues. Sometimes he's a selfish jerk. Sometimes he has no self-control. Until you get that person in your mirror to behave, your life is going to continue to suck. And you gotta get fired up about it. You gotta have a halftime moment in the locker room and go, we're behind and we're gonna go back out there and put some people on their butts. I'm gonna go change my life. That's when you move the needle. That's how people get out of debt. It's how they get control.
From The Dave Ramsey Show, April 30, 2012.