4.50/5
Author: Dave Ramsey
Publication Date: Sep 17, 2013
Formats: PDF,Hardcover,Kindle,Audible Audiobook,MP3 CD
Rating: 4.50/5 out of 65795
Publisher: Thomas Nelson
Find the best rated books in Schools & Teaching | Higher & Continuing Education | Studying & Workbooks | Test Preparation and much more. Check out latest releases by Dave Ramsey and find where to Download The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness Hardcover,Kindle,Audible Audiobook,MP3 CD Online. Read&Download The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness by Dave Ramsey Online
New York Times bestseller!
More than Five million copies sold!
You CAN take
control of your money. Build up your money muscles with America’s
favorite finance coach.
Okay, folks, do you want to turn
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By now, you’ve
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, take a
look at this—it’s the simplest, most straightforward 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: Classic Edition, you’ll be able
to:
Includes new,
expanded “Dave Rants” sidebars tackle marriage conflict,
college debt, and more. All-new forms and back-of-the-book resources to
make Total Money Makeover a reality.
Dive deeper into Dave's game
plan with The Total Money Makeover Workbook: Classic Edition.
The Total Money Makeover: Classic Edition is also available in
Spanish, transformación total de su dinero.
Oct 24, 2009
Ramsey presents some sound financial principles in the book, but it came across as a sales pitch because he mentions his other books and live events, and practically every other page contains a lengthy testimonial from people gushing about their Total Money Makeover. I skipped all of these since I'm looking for practical financial advice, not feel-good stories.Jun 15, 2017
Recently, a good friend of mine who knew that I had read this book asked me whether or not I found it helpful. This friend has struggled with managing her personal finances and is drowning in credit card debt. She was feeling pretty hopeless and was worried that she'd never be able to take care of her bills and set enough aside for retirement.Sep 07, 2007
Buy it, live it! An amazing system that's not a system--just living within one's means. Worth the investment many times over!Jan 25, 2008
I read Financial Peace years ago. We tried to live the plan, but looking back we could have done a lot better. The Total Money Makeover takes the same plan and breaks it down into more detailed babysteps. This REALLY works! We've had our $1000 emergency saving account for years now and have hardly had to dip into it because we really think through what an emergency is. Most of the time we have been able to wait a few weeks until the "extra paycheck," tax return or a bonus comes through instead I read Financial Peace years ago. We tried to live the plan, but looking back we could have done a lot better. The Total Money Makeover takes the same plan and breaks it down into more detailed babysteps. This REALLY works! We've had our $1000 emergency saving account for years now and have hardly had to dip into it because we really think through what an emergency is. Most of the time we have been able to wait a few weeks until the "extra paycheck," tax return or a bonus comes through instead of using our savings. The debt snowball really works. I was amazed when I saw how much money is going toward our last debt! It will only be a few more months to get it paid off. Yes, we did stop retirement for the past year--it was a simple form to fill out at work and only took a couple minutes. The money that was previously in our IRA is still growing, but we're not adding to it right now. When that debt is gone and we have our 3-6 month savings we'll start it up again. What doesn't make sense is having debt when you retire and using your money from your 401K/IRA to pay off the debt.Aug 14, 2015
This book is great for those who are in debt because of overspending. Unfortunately Dave Ramsey groups everyone in the same category with the undisciplined, regardless of their background. He uses unrealistic examples of people having a mortgage of $50,000, or someone paying $250/month for a small apartment while paying off debt. He uses examples of young people in their mid-twenties making $50,000 a year. These are completely unrealistic numbers in most regions of the country.Feb 20, 2008
I probably should have given this book more than three stars, because it's a good start to figuring out a critical piece of the financial puzzle; getting out of debt. This book is debt-centric, so, if you're in debt, then yes, you really should read this book.Nov 22, 2008
This book is an insult to the intelligence of any rational human being who has even the slightest notion of what personal finance is all about. Full of filler, fluff, weak-sauce stories trying to be inspirational.Oct 07, 2007
This book is a great step by step plan to help you get control of your finances by walking you through the 7 baby steps.Sep 16, 2007
From my blog:Jan 14, 2008
This guy's claim is basically that the key to accumulating a lot of money is to (1) become debt free, (2) save a sizeable nest egg (3-10k)for the big emergencies that typically send people into debt in the first place, and (3) put the rest of your savings in mutual funds. He's particularly insistent that you suck it up and drive old cars that you've paid cash for rather than make payments on a new car.Nov 08, 2011
After hearing about Dave Ramsey from a number of people, I decided to pick this up out of curiosity. I skimmed this book quickly, partly because it is mostly fluff. His crams the book full of testimonials about other families who have gotten out of debt- that's for the outside of the book, not the inside of it. Most of his actual advice (pay for things with cash, don't buy what you can't afford, live below your means, start investing for retirement early) consists of things my parents have been After hearing about Dave Ramsey from a number of people, I decided to pick this up out of curiosity. I skimmed this book quickly, partly because it is mostly fluff. His crams the book full of testimonials about other families who have gotten out of debt- that's for the outside of the book, not the inside of it. Most of his actual advice (pay for things with cash, don't buy what you can't afford, live below your means, start investing for retirement early) consists of things my parents have been telling me since they started giving me an allowance. Ramsey is also vague about the actual saving of money- he suggests that everyone can get together $1000 in less than a month for their emergency fund. If people could find instantaneously $1000 of their income they weren't using elsewhere, wouldn't they have avoided falling into debt in the first place? I am glad other people have been able to use this system to get out of debt and put their finances in order, but this book did pretty much nothing for me. I would like to find a book that's more explicit about budgeting and investing, and one that doesn't tell me being in debt is like being fat, or that our government is completely incompetent at every opportunity, or one that doesn't belittle my chosen career path. ...moreFeb 26, 2008
This is a pretty decent plan for getting out of debt and starting to invest. In the time-honored tradition of such self-help books as How To Win Friends and Influence People, Ramsey uses personal stories from other people to drive his points home.Mar 28, 2017
If you like animated religious sermons, Fox News infomercials and make payments on your Lexus with payday loans then this book is for you.Mar 03, 2011
I can not believe that I've spent the last 12 years working in the Accounting field being such a good steward of my employers money but could never get a good grasp on my own money. The Total Money Makeover book has helped me go from paycheck-to-paycheck-thinking to wealth-building-thinking. Once my eyes were opened (I read the book in 2 days) I knew my financial life would never be the same. I asked my husband to read the book and when he started sending me texts like: Do you know that if we I can not believe that I've spent the last 12 years working in the Accounting field being such a good steward of my employers money but could never get a good grasp on my own money. The Total Money Makeover book has helped me go from paycheck-to-paycheck-thinking to wealth-building-thinking. Once my eyes were opened (I read the book in 2 days) I knew my financial life would never be the same. I asked my husband to read the book and when he started sending me texts like: Do you know that if we invest X dollars in a good mutual fund from age 30 to age 70 that it will be around 5.5 million dollars?!! I knew Dave had him hook, line & sinker. A good percentage of our marital issues surrounded money but there are no arguments on that subject anymore. We understand what the short term goal is (get debt free) and what the long term goals are (remain debt free & build wealth) so most of the decisions have already been made. Once we saw what "keeping up with the Joneses" does to your greatest wealth building tool (income), we decided that we could cut our life down to "rice & beans" for 2 to 2 1/2 years, clean up the massive mess we had made, and reclaim the nearly $2,000 per month we were paying on debt. I sure wish we had this book as teenagers/ younger adults, I can only imagine where we would be now. But even still, my son will never remember how his parents where up to their eyeballs in debt. We still have about $35k (down from 73k) in consumer debt to go, but thank God our financial family tree has been changed forever. ...moreNov 24, 2009
This book is so helpful, straightforward, and inspiring. I have spent my twenties in the misery of consumer debt and student loans.May 28, 2019
I'm temporarily - I hope - departing from my usual review style while life is crazy and we're in the construction zone. I'm trying this rather than no review at all. I'm basically going to make occasional notes as I read, which is not as satisfactory to me, but hopefully they'll still be helpful.Mar 19, 2008
Let me preface this by saying that I'm a HUGE fan of Dave Ramsey, so of course I'm a bit biased. I listen to his talk radio show every day without fail, and I'm an active member of his subscription website called MyTMMO (http://www.mytotalmoneymakeover.com).Jun 01, 2007
I love Dave Ramsey. We have been doing the Total Money Makeover since Jan 1 of this year (we started after reading Dave's book "Financial Peace") and we are already seeing plenty of success with our baby steps. We pay for everything in cash now and if we don't have the cash, we don't buy it. We've got an emergency fund in place and have used it when things came up - auto repairs, etc. And best of all, we are in debt reduction mode - we had cut up all the credit cards Jan 1 and now we only see I love Dave Ramsey. We have been doing the Total Money Makeover since Jan 1 of this year (we started after reading Dave's book "Financial Peace") and we are already seeing plenty of success with our baby steps. We pay for everything in cash now and if we don't have the cash, we don't buy it. We've got an emergency fund in place and have used it when things came up - auto repairs, etc. And best of all, we are in debt reduction mode - we had cut up all the credit cards Jan 1 and now we only see balances getting smaller or eliminated.October 27, 2015
I haven't been motivated to do something this life changing in a while! So grateful to have read this book! Can't wait to start my money makeover challenge!May 22, 2017
I was always someone who wanted to manage their personal finance effectively. However, due to my own carelessness or circumstances, I failed to achieve that goal.Feb 08, 2017
Giselle wanted the two of us to listen to this, and I got a few things out of it for sure - but much of it doesn't apply to every situation, regardless of how much the author wants you to think it does. Also the audiobook was kind of hilarious because it's just a guy yelling at you - literally - for 4 hours, haha.Apr 25, 2018
6 years, 3 monthsApr 01, 2019
This book contains very helpful steps regardless of what your income is or how much debt you have. I also appreciated the plethora of stories from regular people with a variety of backgrounds explaining how the Total Money Makeover worked for them. I’ll definitely read this again and implement this system!Feb 01, 2011
Thank you Tulsa Blizzard 2011 for helping me finish this book in two days.Apr 14, 2011
I'm always cautious about books or products which supposedly save you money. What's the old adage? "How do you make a lot of money? Write a book about how to make a lot of money"Take your time and choose the perfect book.
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