The Total Money Makeover: A Proven Plan for Financial Fitness Hardcover – Dec 29 2009
There is a newer edition of this item:
Customers Who Bought This Item Also Bought
No Kindle device required. Download one of the Free Kindle apps to start reading Kindle books on your smartphone, tablet, and computer.
Getting the download link through email is temporarily not available. Please check back later.
To get the free app, enter your mobile phone number.
About the Author
Dave Ramsey is America’s trusted voice on money and business. His five New York Times bestselling books—Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, and Smart Money Smart Kids—have sold more than 7 million copies combined. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations and iHeartRadio.
What Other Items Do Customers Buy After Viewing This Item?
Top Customer Reviews
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 .Read more ›
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.
As Ramsey says, none of the ideas in his book are new and revolutionary, much of it is common sense, but it is compiled with many, many real life personal examples and illustrations which drive points home. As expected, he is against credit card usage in any way, and part of the getting out of debt plan is to have a means of forced savings and also creating a budget. None of this is new. However, the way he puts all this together in an easy to follow plan with timelines, is extremely helpful for those who understand the principles but are not sure where to begin. As a result of this book, my wife and I are able to discuss finances much more openly and collaboratively and we have implemented Ramsey's plan and I can tell you, it is like night and day, once you start following the plan.
Further, his discussions about cars and how to buy cars / avoiding leasing, etc., as well as his chapters on college tuition and retirement are helpful, interspersed with regular steps on avoiding getting into debt in the process.Read more ›
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.
Most recent customer reviews
An entirely achievable way to manage our greatest wealth building tool God's way. Wish I read it 30 years ago.Published 11 months ago by Angelia
This is by far the best financial book EVER! Amazing timing when we read this - so thankful and excited to get our finances under control. So practical and real!Published 15 months ago by Charlene Brown
Excellent book that can give you ideas and motivation to get your life back in gearPublished 20 months ago by Sacheer Kacheer
Solid game plan for getting out of debt and managing your money going forward. Dave breaks it up into baby steps that anyone can follow. Read morePublished 23 months ago by Michael Chew
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. Read morePublished on July 11 2014 by appy8
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.Published on May 30 2014 by Debra
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.Published on Nov. 21 2013 by Gladwoman