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

Dave Ramsey
4.7 out of 5 stars  See all reviews (444 customer reviews)

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Book Description

February 6, 2007 0785289089 978-0785289081 2

The success stories speak for themselves in this book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health.

Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!"

The Total Money Makeover isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you.

Editorial Reviews

About the Author

Dave Ramsey is America’s trusted voice on money and business. His four New York Times best-selling books –Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership – have sold more than 7 million copies combined. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations and iHeartRadio.

Product Details

  • Hardcover: 272 pages
  • Publisher: Thomas Nelson; 2 edition (February 6, 2007)
  • Language: English
  • ISBN-10: 0785289089
  • ISBN-13: 978-0785289081
  • Product Dimensions: 9.6 x 7.4 x 0.9 inches
  • Shipping Weight: 1.6 pounds
  • Average Customer Review: 4.7 out of 5 stars  See all reviews (444 customer reviews)
  • Amazon Best Sellers Rank: #13,924 in Books (See Top 100 in Books)

More About the Author

Dave Ramsey is the author of the New York Times bestselling books Financial Peace and The Total Money Makeover. His radio program, The Dave Ramsey Show, is heard on more than 450 radio stations throughout the U.S. and transmits Ramsey's inimitable financial advice to more than 4 million listeners each week. Dave also hosts his TV show, The Dave Ramsey show primetime on the Fox Business Network. Many national corporations as well as more than 1 millioin families have benefited from Ramsey's Financial Peace University program and his many LIVE events.

Customer Reviews

Most Helpful Customer Reviews
146 of 152 people found the following review helpful
5.0 out of 5 stars Common sense for your dollars and cents. July 29, 2007
Format:Hardcover|Verified Purchase
Although Dave Ramsey is becoming more widely known around the nation, I can still mention his name here in Chicago and get a "Who's that?" response. I first found out about Dave while living in Kentucky through a co-worker. This discovery turned my life around.

Two years ago, my husband and I were a little over $36,000 in debt including credit cards, cars, and student loans. Today, we are completely debt-free, saving an emergency fund like Ramsey strongly advocates in the book, and we will be able to purchase a home on a 15-year fixed rate mortgage (also something he advocates in the book).

The philosophy is incredibly simple, and a few other reviewers have already listed his "baby steps," so I won't rehash that again. "Baby steps" actually came from the Bill Murray flick "What About Bob?", in case you're wondering. Not only are the steps easy to follow, but you'll want to channel Homer Simpson and have a "Doh!" moment when you read it. On his widely syndicated talk radio show, Ramsey uses the opening line, "Teaching you the same advice your grandmother would, only we keep our teeth in." That line is in deference to the fact that he realizes he is teaching people common sense money management.

If you're in love with your FICO score or looking for a financial expert to help you improve your credit, Ramsey's book is the wrong one for you. Be forewarned that he cares NOTHING about a credit score. The only debt that he "allows" you to keep is a mortgage, and he's not crazy about that. If you're looking for a way to get out of debt, stay out of debt, and learn to make the most of your hard-earned wages (possibly become a millionaire in the process), then you need to read this book. It may change your life; it changed mine.
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762 of 896 people found the following review helpful
2.0 out of 5 stars A lot of bad advice for many people May 24, 2010
Format:Hardcover|Verified Purchase
I bought Ramsey's book because he has so many raving fans (my daughter among them), and the loyalty they express is often literally evangelical in nature. Offering any criticism of Dave Ramsey's advice can draw fusillades of righteous indignation. Any negative comments about Dave Ramsey, Financial Peace University or any of the many products he sells may be answered by, "You obviously love debt," and "why are you so against living by Biblical principles?"

As a financial professional, I can legitimately claim to be an expert in matters of debt and credit. So I bought his book so I could see just what it was about Dave Ramsey would cause these extreme reactions. After reading it carefully, I have come to some conclusions.

First, I must acknowledge that there is a lot to like about Dave Ramsey. His basic teaching can be boiled down to this:

1. Don't buy stuff on credit that you can't afford
2. Set aside money for emergencies and the future
3. If you are in trouble with debt, stop incurring it (we could also state it as, "When you're deep in a hole, stop digging.")
4. Make a plan to retire your debt systematically

He offers a step-by-step method for getting out of debt and onto a better financial footing. He teaches that you should pay attention to your finances and work from a written budget.

These are all good things.

My first concern is that Mr. Ramsey teaches that All Debt Is Evil (with the possible exception of a 15 year mortgage). Others here have mentioned his assertion that "responsible use of a credit card is not possible." His audience is urged not only to pay off their debt (a Good Thing), but to cut up the cards and close the accounts.
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51 of 60 people found the following review helpful
By Gooflee
Format:Hardcover|Verified Purchase
I started to listen to Dave Ramsey's radio show about a month ago. I kept hearing callers calling in saying they were debt free, so I was curious about learning Dave's approach to financial freedom. I was interested in living debt free so I picked up his book. Majority of the book is information that I have heard many times in my life. Dave even warns readers of this. However, his style of writing and humor make this information fun to read again. I have read reviews for this book mentioning that the reviewers could have save money because there are only 5 steps listed in the book, and majority of information has been told before. These reviewers have missed the point. The purpose of the book is to give people a foundation for change, so that they can be masters of their financial life. This book is a tool that people can go back and read for inspiration, if the path gets too difficult.

The book is a very easy and entertaining read. For those of us who dream of living debt-free, it is a very inspiration book to have. The baby steps are very easy to remember, but not necessarily easy to follow through with. The book gives us understanding why we have to go through some pain to become debt free. Just as person overweight struggles to diet and exercise if they want to become fit, a person trying to stop living on credit goes through type of struggle. Reading about people paying off $20,000 of debt in 9 months makes my missed restaurants visits, or not buying the newest video game seem trivial. For those wanting a way to become debt-free, the small investment in this book is a small price to pay. I have read many financial books, and Total Money Makeover is one of the best.
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Most Recent Customer Reviews
5.0 out of 5 stars Great a must read especially for young adults befor they develope bad...
Love Dave's theory for financial success. I reference his material when I teach Biblical finance class.
Definite need to read for marriage counseling. Read more
Published 1 day ago by Keith
5.0 out of 5 stars Five Stars
Effective money plan
Published 3 days ago by kraftyk
5.0 out of 5 stars One of the All time best on the subject
If I'd follow all his advice and STICK to it I'd be debt free and rather wealthy. Great book. Got me out of debt twice LOL!
Published 9 days ago by Celeste B. Hackett
4.0 out of 5 stars Great book, but i recommend getting the entire package ...
Great book, but i recommend getting the entire package and not just the book, in order for it to be completely helpful.
Published 9 days ago by Kyneshia Hubbard
5.0 out of 5 stars Must read primer for managing finances.
Must read primer for managing finances.
Published 13 days ago by Andrew S. Boles
5.0 out of 5 stars Five Stars
Dave Ramsey has great insight into solving debt. The book was very useful.
Published 1 month ago by Debra S Meyer
1.0 out of 5 stars One Star
didn't like it's advice
Published 1 month ago by Grandmom
2.0 out of 5 stars Two Stars
The book had highlighting in odd places throughout all the pages and that was not in the description of the book
Published 1 month ago by lil mom
5.0 out of 5 stars Amazing! It will inspire and challenge you to get ...
I wish I had read this when I was younger. Amazing! It will inspire and challenge you to get a handle on your finances.
Published 1 month ago by Eli Lopez
5.0 out of 5 stars It gave me insight in how to manage money, ...
It gave me insight in how to manage money, live life, and allow myself to live free from troubles that come when money is not delt with properly.
Published 1 month ago by chris mize
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Topic From this Discussion
Welcome to the Total Money Makeover forum
'Oh, if you want to pay off your mortgage without going broke, check out Amazon's "Let Your Mortgage Make You Rich!"'

'Oh, if you want to pay off your mortgage without going broke, check out MY BOOK "Let Your Mortgage Make You Rich!'

Come on... full disclosure...... Read More
Apr 4, 2009 by Jim Jimson |  See all 13 posts
Which book is best?
Hey Karen,

You probably already bought one by now, but I'll go ahead and share my thoughts. Having read both books, I recommend starting with TMM. It walks you through the basic baby steps, is a quick, easy read, and gives you a good overview of where to start and where you'll progress over... Read More
Sep 11, 2006 by Jen |  See all 5 posts
Kindle TMM Book, can't print forms?
You can find some of the forms on Dave Ramsey's site:
Feb 25, 2012 by E. |  See all 2 posts
relgion in Dave's books?
Dave Ramsey integrates religious philosophy into his books, show, and everyday life. Despite the fact that his religious beliefs differ from yours and mine, (I am agnostic as well) he does provide good strategy and does "know his stuff," so to say. I think his idea is more that God has... Read More
Jan 14, 2008 by M. David Bennett |  See all 28 posts
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