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The Total Money Makeover: A Proven Plan for Financial Fitness Hardcover – Dec 29 2009

4.9 out of 5 stars 19 customer reviews

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Product Details

  • Hardcover: 288 pages
  • Publisher: Thomas Nelson; 3 edition (Dec 29 2009)
  • Language: English
  • ISBN-10: 159555078X
  • ISBN-13: 978-1595550781
  • Product Dimensions: 19 x 2.5 x 24.1 cm
  • Shipping Weight: 794 g
  • Average Customer Review: 4.9 out of 5 stars 19 customer reviews
  • Amazon Bestsellers Rank: #9,631 in Books (See Top 100 in Books)
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Product Description

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.


Customer Reviews

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Top Customer Reviews

Format: Hardcover
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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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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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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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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Format: Hardcover
Occasionally for work, I travel around the city and have the opportunity to hear the Dave Ramsey Show on the radio. I have always appreciated his no-nonsense, sometimes very blunt and straight-forward responses to people who call in to his show with money questions, so I thought that I would purchase his book. I am so glad that I did. I should mention at the outset that this book is essential for the married couple who may occasionally or regularly argue about money and finances. My wife and I both read this and while we have read many personal finance books, this one really moved us to create a budget and start looking at our debts, and even though we don't have that much debt, the process to get rid of it is very helpful.

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.
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Format: Hardcover
If you are a novice about finances books may be you will gonna say nothing new in this book.But for me its a great read,very helpful,i read different books about finances but this is one of the best,it change my perception about money,and i learned a lot from him. I also recommend Gail Vaz- Oxlade books,all of it are good too its hard to put it down.
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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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