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The Total Money Makeover: A Proven Plan for Financial Fitness [Hardcover]

Dave Ramsey
4.5 out of 5 stars  See all reviews (53 customer reviews)

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Book Description

Dec 29 2009

If you will live like no one else, later you can live like no one else.

Build up your money muscles with Americas favorite finance coach.

Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. Theres one sure way to whip your finances into shape, and thats with The Total Money Makeover Revised 3rd Edition!

By now, youve heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you’re tired of the lies and sick of the false promises, then take a look at this—it’s the simplest, most straight-forward game plan for completely making over your money habits. And it’s based on results, not pie-in-the-sky fantasies. With The Total Money Makeover Revised 3rd Edition, youll be able to: 

  • Design a sure-fire plan for paying off all debt—meaning cars, houses, everything
  • Recognize the 10 most dangerous money myths (these will kill you)
  • Secure a big, fat nest egg for emergencies and retirement!

Where Financial Peace gave you the solid saving and investing principles, this book puts those principles into practice. You’ll be exercising your financial strength every day and quickly freeing yourself of worry, stress, and debt—and that’s a beautiful feeling.

The Total Money Makeover Revised 3rd Edition—complete with additional material and new personal success stories—is the one financial workout that guarantees everything will work out.

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Product Details

Product Description

From Publishers Weekly

Radio talk-show host and bestselling author Ramsey (Financial Peace) is less a financial analyst and more of a preacher, which explains both his popularity and the appeal of this book, which just might gain a wide audience. The bedrock of his system is simple: work hard, pay what you owe and stay out of debt. His main commandment is "Pay cash." He first exhorts the reader to take "baby steps," which are designed to build on each other: first, save $1,000 as an emergency fund; then, pay off all debts from smallest to largest; save a larger three-to-six-month emergency fund; finally, start to save for college and pay off your home mortgage. Ramsey understands the difficulty in putting these steps into action, and therefore packs his book with personal testimonials from everyday people who have used his system and have become debt free, with obvious struggles. The key is what Ramsey calls "Gazelle intensity," which is to live a financial life the way a gazelle saves itself from an attacking cheetah-"outmaneuver the enemy and run for your life." While Ramsey provides some helpful charts and graphs so readers can keep track of their efforts to follow his steps, the strength of this book is that it is a straightforward motivational tool. He provides the brutally direct truth about the hard work it takes to become free of debt, and his directness is a great part of the book's charm.
Copyright 2003 Reed Business Information, Inc. --This text refers to an out of print or unavailable edition of this title.

From Booklist

"Winning at money is 80 percent behavior and 20 percent head knowledge." So states Ramsey, author and radio show host, offering a comprehensive plan to get out of debt and achieve financial fitness. Our current financial position represents the sum total of the decisions we've made to this point, he tells us, and we must take personal responsibility for our financial problems. His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses. He effectively shows how regular people can rid themselves of debt and grow their wealth using current income. While many of Ramsey's concepts are not new, his simple approach and client testimonials will resonate with a broad range of library patrons. This is important information in a society buried in debt, with unprecedented numbers of people facing bankruptcy. Mary Whaley
Copyright © American Library Association. All rights reserved --This text refers to an out of print or unavailable edition of this title.

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Customer Reviews

Most helpful customer reviews
6 of 6 people found the following review helpful
5.0 out of 5 stars Great stuff. Jan. 15 2012
I must admit, I was pretty cautious when I first picked up Dave Ramsey's book The Total Money Makeover. It's not a particularly threatening book - it's just that the cover has a similar effect to receiving an unsolicited sales email. There is a picture of him staring into the camera with an all-knowing gaze. Everything is green and red and gold ' money, money, money. The caption, all-caps: "Hundreds of thousands of ordinary people have become debt-free ' here's how you can too." It's not exactly subtle.

Upon digging into the information, it's pretty useful stuff. It's not so much a technical manual for places to cut costs as it is a motivational book to refer to when times get tough. Dave writes in a refreshing, conversational manner, and begins by bringing the low-down on various "Money Myths." He discusses the reasons that playing the Lotto won't make you rich ("Lotto and Power Ball are a tax on the poor and people who can't do math"), why pre-paying anything isn't really worth it, and why bankruptcy is hardly ever a good option.

From here, Dave takes the reader through the extremely simple "Baby Steps" which make up the meat of the book:

Create a $1000 emergency fund while paying the minimums on every debt. Make sure it's liquid. Budget hard.
List all your debts ' every last one. Pay them off in order of smallest to largest, regardless of interest rates. This is to keep you motivated as you gather "small wins" on the road to being debt-free. Any mortgage shouldn't be listed here, but student loans should, according to Dave.
Finish your emergency fund. Bump that sucker up to three to six months (or more) of living costs. Ramsey says this value is $10,000 +-, depending on if your income is steady .
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1 of 1 people found the following review helpful
5.0 out of 5 stars Refreshing April 5 2013
Format:Hardcover|Verified Purchase
I read this book before but didn't put it into practice for long and fell back into my old ways. After reading it the second time I realized I need to stay on this makeover. I would recommend it for all young couples and anyone wanting to retake control of their finances and give all the glory to God. He is our provider. He will never leave us nor forsake us.
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4.0 out of 5 stars this has changed our lives July 11 2014
By appy8
Format:Kindle Edition|Verified Purchase
This book changed how we look at money, it made us realize we are in control, and we just had to smarten up and make better choices. Dave Ramsey gave us the motivation we needed to do it. I would recommend this book to anyone who has debt.
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5.0 out of 5 stars Easy to read May 30 2014
By Debra
Format:Kindle Edition|Verified Purchase
Enjoyed reading this book. My husband is now going to read it and we are going to start our Total Money Makeover and our journey to being debt free.
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5.0 out of 5 stars Excellent! Feb. 10 2014
Format:Kindle Edition|Verified Purchase
This book is ideal for someone who just wants to tweak a particular aspect of their finances, or it does just as well for the person who has never learned how to manage money. You learn that money management is a skill, can be learned, and will get you where you want to go in life. The book gives you everything you need to learn the basics, and provides information on where to get the tools to do it; e.g., budget sheets.

What's more, this man is you and me. He has been there and done that. For some, like Dave Ramsey, experience is the best teacher. The fact that he is able to turn it around and share it with us, prevents many of us from making the same mistakes, continually. He stops us in our tracks.
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5.0 out of 5 stars This Book is a blessing Jan. 9 2014
Format:Hardcover|Verified Purchase
Even if you think you have your finance's in order you need to read this book
And if your finance's need help you need to make this book you life.
Because it will get you on the right track and keep you there.

This book is a God send
and so is Dave Ramsey.
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5.0 out of 5 stars Must Read for Everyone Nov. 21 2013
Format:Hardcover|Verified Purchase
This should be taught in school. I wish I had this information years ago. Highly recommend this book. It will change your life, if you let it.
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5.0 out of 5 stars Love this book Oct. 28 2013
Format:Hardcover|Verified Purchase
We bought this book because this is an absolute must-have for any household and we needed some help to get out of our debts. Dave is a life-saver and his book gave us hope. Great book. It arrived in absolutely new condition, the packaging was excellent. The delivery time was within the limits. Thanks.
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