The Total Money Makeover

The Total Money Makeover

A Proven Plan for Financial Fitness

eBook - 2003
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Respected financial expert Dave Ramsey offers a comprehensive plan for getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice needed to make your goals a reality. Filled with both the "hope" and the "how-to," The Total Money Makeover includes:

  • Useful worksheets and forms
  • Readable and informative charts and graphs
  • The four factors that keep people from getting in shape financially
  • Photos and amazing stories from people who have succeeded following The Total Money Makeover plan
  • The Total Money Makeover is a necessity for everyone in need of a financial makeover. Readers will learn to live by the The Total Money Makeover motto: "If you will live like no one else, later you can live like no one else."


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    This isn't a terrible book; there is some really good advice buried here. The problem is that it is buried under tons and tons of 'personal accounts'. I didn't start learning anything of note until Chapter Six. The witty comments he includes in his page margins are distracting and insulting. This book could of been half as long as it actually is. Or maybe he could have filled it with twice as much useful information.

    Solid strategy; bad execution.

    Nov 29, 2016

    I discovered Dave Ramsey and the Baby Steps just over a year ago. I Have read every book of his I can get my hands on since! The process is simple, you just need to stick with it and this book gave me the empowerment and motivation I needed when it was lacking. My husband and I are set to be debt free before the end of 2018 thanks to DR!

    Oct 13, 2016

    Inspiring. A "go get'em" sort of book. One feels as if Ramsey genuinely believes in them. This book actually motivated me to make some changes in my life, and I am going forwards sharing this with my family. I highly recommend this to young adults. At age 25 we're supposed to start putting away for retirement; this gives a solid education on how to get there, what to do, and how to retire with dignity. As someone who paid for college themselves, it is lovely to feel I have a personal financial advisor and an education about what a 401k is, Roth IRA, the snowball effect, and the 15% rule. Highly recommended.

    Mattcozens Jun 20, 2016

    Anyone that has seen Dave's Vlogs or followed his podcasts knows that he offers sound financial advice. This book is filled with case studies of people in various degrees of financial ruin and how they took control of their situation and achieved financial stability following Dave's methods.
    Worth a look for those in need of inspiration.

    May 24, 2016

    I rate Dave's message, method, and ongoing mission at 5 stars. It feels wrong to give this book anything less than that in light of those things.

    That said . . . if you already know about Dave's baby steps, the debt snowball, the concept of getting out of and staying out of debt, investing wisely, living below your means, paying cash for everything, etc. etc. . . . this book feels like little more than a slew of Dave's familiar, motivational sound bites. He does go into some greater detail in some things in this book than he does on a regular basis on the radio show, but--as someone who was already familiar with all of this, is on step 2, and felt it was likely a good idea to finally get around to reading the book--I don't think I got much more out of it than what I already had going in.

    If this is where your "Dave Journey" starts, by all means, read the book and get started. But if you're like me and reading it is a back-fill, don't expect a whole lot more than what you already have.

    Dec 02, 2015

    The Total Money Makeover – Dave Ramsey

    I appreciate Dave Ramsey’s experience, knowledge, and insights. I think what makes him so good at what he does is that he had hit rock bottom twice because of some poor choices and had to rebound out of his own volition. Although I got quite a bit out of this book and enjoyed a lot of the personal stories from people all over the country, I thought it was a little more basic than I would have liked. I recommend reading The Complete Guide to Money instead. It covers everything in The Total Money Makeover and some more in-depth details about financial plans and budgets. However, I can also say that you can never get enough encouragement and realistic advice from someone who has suffered and knows how sinister the hole of debt can be. This is still a good book.

    Nov 06, 2015

    My copy I received from the library is the most recent TMM, 2013 despite the library information saying -2009- . I think it is larger print too. If the other TMM has a long queue , grab this one.

    Oct 22, 2014

    This book changed my life, financial and otherwise. Ramsey breaks your makeover into baby steps that you can concentrate on and achieve.
    5 years ago I had credit card debt, a car loan, virtually no money saved and was frustrated/angry every time I had to sit down and pay bills.
    Fast forward to today. I have no debt except on my reasonable mortgage. I have money saved for emergencies, funding my daughters college funds, saving for my retirement, able to take my family on paid for vacation, and slowly killing off the mortgage bit by bit.
    I'm able to help and give more now than I ever have. Give it a try, if you don't like it you can always go back to doing what you are doing now!

    RudyLove1040 Jun 18, 2012

    This simple book's information is worth millions! A book that will change your financial life!

    Nov 22, 2011

    As of July, were debt free because of this book. Definitely consider reading it :D

    Were already on step 3b! woohoO! This book changed our lives.

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    Feb 10, 2015

    This is a great book for those looking to gain control of their money. The author does an excellent job laying out the steps in the path to financial peace. I appreciate that the author provides supporting documents to help you.


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    Feb 10, 2015

    “We buy things we don't need with money we don't have to impress people we don't like.”

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