Want to get better with money in your 20s? Dave Ramsey says personal finance is 80% behaviour and only 20% knowledge – Livemint
Personal finance expert Dave Ramsey outlined a core formula on an October 16, 2026, episode of The Ramsey Show, stating that personal finance is 80% behavior and only 20% head knowledge. The Bottom Line: Dave Ramsey defines personal finance as 80% behavioral discipline and 20% head knowledge, a ratio that carries heavy financial stakes for … Read more