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The Total Money Makeover: A Proven Plan for Financial Fitness (Hardcover)

~ Dave Ramsey (Author) "As lost as a ball in tall weeds!" That is exactly how I felt..." (more)
Key Phrases: debt snowball, payday loans, gazelle intensity, Total Money Makeover, Baby Steps, Dave Ramsey (more...)

4.6 out of 5 stars See all reviews (545 customer reviews)

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Editorial Reviews

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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Product Details

Hardcover: 272 pages
Publisher: Thomas Nelson; 2 edition (February 6, 2007)
Language: English
ISBN-10: 0785289089
ISBN-13: 978-0785289081
Product Dimensions: 9.3 x 7.1 x 1 inches
Shipping Weight: 1.6 pounds (View shipping rates and policies)

Average Customer Review: 4.6 out of 5 stars See all reviews (545 customer reviews)

Amazon.com Sales Rank: #505 in Books (See Bestsellers in Books)

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#2 in	Books > Business & Investing > Personal Finance > Credit Ratings & Repair
#3 in	Books > Business & Investing > Personal Finance > Budgeting & Money Management
#5 in	Books > Business & Investing > Finance

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Front Cover | Table of Contents | First Pages | Back Cover | Surprise Me!

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First Sentence:
"As lost as a ball in tall weeds!" That is exactly how I felt. Read the first page

Key Phrases - Statistically Improbable Phrases (SIPs): (learn more)
debt snowball, payday loans, gazelle intensity, finish the emergency fund, money makeover, security gland, funded emergency fund, retirement investing, financial peace, written budget, risk denial

Key Phrases - Capitalized Phrases (CAPs): (learn more)
Total Money Makeover, Baby Steps, Dave Ramsey, Baby Step Two, Pinnacle Point, Financial Peace University, Whole Life, Money Market, Cash Value, Social Security, Secret Santa, The Bible, Percent of Your Income, Consumer Reports, Harold Fisher, New York, The Roth

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Front Cover | Table of Contents | First Pages | Back Cover | Surprise Me!

Citations (learn more)

This book cites 6 books:

Financial Peace: Restoring Financial Hope to You and Your Family by Dave Ramsey on 6 pages
The Millionaire Next Door by Thomas J. Stanley on page 82
Financial Peace Revisited by Dave Ramsey in Front Matter
Mutual Funds (Basic Investors Library) by Jo Kaufman on page 156
on page 14

See all 6 books this book cites

3 books cite this book:

The Budget Kit: The Common Cents Money Management Workbook by Judy Lawrence in Back Matter
The Storehouse Principle: A Revolutionary God Idea for Creating Extraordinary Financial Stability by Al Jandl in Back Matter
Live A Richer Life - A Roadmap to Personal Financial Health Following Bankruptcy by Maryland Council on Economic Education & National Foundation for Credit Counseling in Back Matter

Books on Related Topics (learn more)

The Total Money Makeover Workbook by Dave Ramsey

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The Financial Peace Planner by Dave Ramsey

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How to Have More than Enough by Dave Ramsey

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The Budget Kit by Judy Lawrence

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	64% buy the item featured on this page: The Total Money Makeover: A Proven Plan for Financial Fitness 4.6 out of 5 stars (545) $15.74
	21% buy The Total Money Makeover: A Proven Plan for Financial Fitness 4.4 out of 5 stars (32) $14.61
	8% buy The Total Money Makeover Workbook 4.5 out of 5 stars (77) $11.69
	4% buy The Financial Peace Planner: A Step-by-Step Guide to Restoring Your Family's Financial Health 4.9 out of 5 stars (43) $11.05

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Customer Reviews

545 Reviews

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Average Customer Review

4.6 out of 5 stars (545 customer reviews)

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Most Helpful Customer Reviews

157 of 168 people found the following review helpful:

5.0 out of 5 stars Dave Ramsey Will Help You Become Financially Fit, February 28, 2004

By	FaithfulReader.com (New York, New York) - See all my reviews

This review is from: The Total Money Makeover: A Proven Plan for Financial Fitness (Hardcover)

I enjoy discussions about my finances about as much as I enjoy talking about my weight. I certainly need to work on both, but I'd prefer to avoid the topics if at all possible, thank you very much. Can I get an "amen"?

Dave Ramsey, radio talk show host, author and all-around financial guru, is no stranger to this ostrich routine. After his own bankruptcy he came to the conclusion that the key to financial (and physical) fitness isn't knowing all the tricks of the money trade; it's being honest with yourself. "If I can control the guy in the mirror, I can be skinny and rich," he says in his new book THE TOTAL MONEY MAKEOVER.

In other words, you have to get your head out of the sand. Okay, I have to get my head out of the sand.

Leaving the skinny to other books, Ramsey is a prophet to those who want to be rich but would settle for being financially stable. It's clear that this is a large group, given the popularity of Ramsey's radio show and books. After reading THE TOTAL MONEY MAKEOVER, I can see why they flock to him for advice.

Ramsey's principles are simple and straightforward. Pay cash. Pay off debts from smallest to largest. Create an emergency fund. He provides easy-to-understand answers to many seemingly complex questions about budgeting, retirement funds, saving for college education, and more.

Large pullout quotes scattered throughout the book offer bite-sized financial advice and factoids in Ramsey's typically direct manner:

"A new $28,000 car will lose about $17,000 of value in the first four years you own it. To get the same result, you could toss a $100 bill out the window once a week during your commute."

"Looking to spend $100 per month on life insurance? You could pay $7 a month toward term insurance and invest the remaining $93. But go with a cash-value policy if you'd rather have someone else earn interest on your investments."

"49% of Americans could cover less than one months' expenses if they lost their income."

"If your mortgage payment is $900 and the interest portion is $830, you will pay that year around $10,000 in interest. What a great tax deduction! Right? Otherwise, you'd pay $3,000 in taxes on that $10,000. But who in their right mind would chose to trade $10,000 for $3,000?"

All of this advice is helpful and eye opening, but what Ramsey really excels at is presenting inspirational tales of those who were once, but are no longer, in financial disarray. Their stories make up at least a third of the book, and the cumulative effect is that of a published pep rally designed to get people pumped up about saving money. And it works.

This is a must-read book for anyone whose looking for a little basic financial information and a whole lot of courage to finally put away the ostrich suit.

--- Reviewed by Lisa Ann Cockrel

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63 of 66 people found the following review helpful:

5.0 out of 5 stars Straight talk and a proven plan from this radio star!, August 29, 2003

By	"kchthomas" (Nashville, TN United States) - See all my reviews

This review is from: The Total Money Makeover: A Proven Plan for Financial Fitness (Hardcover)

If you're thinking about passing on this latest book from financial guru Dave Ramsey because you've already read his first New York Times bestseller Financial Peace, think again. Financial Peace is "what to do." Total Money Makeover is a step-by-step, nuts and bolts "how to do" kind of book. Dave takes the seven key principles of a healthy financial plan from Financial Peave and gives them a shot of adrenaline and a ton of muscle! He walks with you through each of the seven "baby steps" and shows you exactly how to accomplish each one. Along the way Dave shares dozens of stories from people who are working on or have completed their own Total Money Makeover. The result is a book that could replace all others on personal finance. Reader beware: If you're looking for the next "get rich quick" book from a guy with a calculator and no experience, this is not the book for you. But if you want an uplifting and encouraging book that will show you exactly how to build true wealth and will give you loads of stories from people who have done just that, pick this book up today! Dave knocks it out of the park with Total Money Makeover, and your personal finances could be doing the same very soon.

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94 of 102 people found the following review helpful:

5.0 out of 5 stars Must-read for people with major problems and for those with little debt, August 15, 2005

By	Jessica Lux (Rosamond, CA) - See all my reviews (TOP 500 REVIEWER) (REAL NAME)

This review is from: The Total Money Makeover: A Proven Plan for Financial Fitness (Hardcover)

Finally, a book that speaks to everyone, from those who are complete financial disasters to those who pay their bills on time, but overpend and need to reduce their debt load. Too many books about debt focus only on paying your bills on time and reducing your interest rates, while ignoring the people who have too much debt and are too smart about it, never paying a late fee and keeping it all at low interest.

I have never heard Ramsey's radio show, but this book was a huge wake-up call for me. It is motivational and it will get you pumped to get intense about reducing your debt load and living only with the cash you have today. The strategies are excellent, the advice is solid, and people have turned their lives around under Ramsey's guidance. There are a lot of testimonials in this book, perhaps a few too many, but I enjoyed seeing the success stories and seeing the different kinds of people who turned to Ramsey's method.

This book has wide appeal and everyone should check it out once to give their finances a good sanity check.

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