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The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness Hardcover – September 17, 2013

by Dave Ramsey (Author)

4,808 customer reviews

in Credit Ratings & Repair

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The Total Money Makeover: A Proven Plan for Financial Fitness
(4,808)

If you will live like no one else, later you can live like no one else.

Build up your money muscles with America’s favorite finance coach.

Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There’s one sure way to whip your finances into shape, and that’s with The Total Money Makeover: Classic Edition.

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:

Design a sure-fire plan for paying off all debt—meaning cars, houses, everything
Recognize the 10 most dangerous money myths (these will kill you)
Secure a big, fat nest egg for emergencies and retirement!

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.

The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness

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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; 1 edition (September 17, 2013)
Language: English
ISBN-10: 1595555277
ISBN-13: 978-1595555274
Product Dimensions: 7.5 x 1 x 9.5 inches
Shipping Weight: 1.2 pounds (View shipping rates and policies)
Average Customer Review: 4,808 customer reviews
Amazon Best Sellers Rank: #174 in Books (See Top 100 in Books)
- #1 in Books > Business & Money > Personal Finance > Credit Ratings & Repair
- #3 in Books > Business & Money > Personal Finance > Budgeting & Money Management

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Top customer reviews

One of My Favorites

ByMichael Gateson August 20, 2014

Format: Kindle EditionVerified Purchase

I have read dozens of finance books and this is one of the best. I would put it up there with Automatic Millionaire, Rich Dad Poor Dad, and Pirates of Financial Freedom. It isn't perfect though which I will talk about later.

Who is this book for? Everyone can benefit from it, but it is great for married couples and those in their late 20s, 30s, and early 40s. Young adults could benefit tremendously from it, but I'm worried it might not be exciting or fun enough to hold their attention. It's not really meant for retirees.

--- The Good ---

* He says financial freedom is 80% behavior and 20% knowledge which is so important, and he emphasizes this by pointing out there are a lot of broke finance professors.

* There are many real-life success stories of real people which shows his method works, and they also provide inspiration.

* He lays out his seven Baby Steps and makes them simple to understand. He points out that living right financially is not complicated. It may be difficult, but it's not complicated.

* I really liked the quote, "If you worked for a company called YOU Inc. and you managed money at YOU Inc. the way you manage your own money now, would you fire you?"

* The book includes helpful budget forms and worksheet in the back of the book.

* He isn't all gloom and doom. He wants you to have fun and even approves of buying a $30,000 watch, but only after you reach step seven and can afford it.

--- The Not-So-Good ---

* He doesn't go into a lot of detail on how to increase your income. Dave Ramsey is rich because he is a business owner who can make money from his radio show, books, seminars, programs, etc. It would have been great to get his advice on that, but he probably didn't want to overwhelm the reader with too many topics.

* I feel his previous bad experience with debt (he was over-leveraged with his real estate investments) has made him overly zealous on not having any debt. College loans can be very appropriate for some people, business loans can be great in the right situation, and his statement that you should put money toward paying down debt rather than getting the company 401(k) match seemed too extreme to me.

* The book wasn't super entertaining. I found a few parts to be a little dry and repetitive. While it certainly wasn't boring, I wish more money management books would be like the new personal finance adventure novel, but I guess that isn't this book's purpose. Still, there were a couple parts that made me chuckle and he did have some interesting stories.

* He stressed putting 100% of your investments in stock-related mutual funds. First, I feel ETFs are probably better than mutual funds because they are cheaper and won't underperform the market. Second, recommending a 100% stock portfolio to everyone regardless of age, financial goals, or risk tolerance seems risky to me. Plus you wouldn't experience the diversification benefit of owning non-correlated asset classes.

* He doesn't talk about the benefits of setting S.M.A.R.T. goals or having an accountability partner, which have been shown to greatly help people achieve all kinds of dreams.

--- Conclusion ---

Overall it is a very good book with a lot of good advice and inspirational case studies. You certainly won't regret reading it.

99 comments 648 people found this helpful. Was this review helpful to you?YesNo

Life Changing Book!

ByWillison April 18, 2017

Format: HardcoverVerified Purchase

Good book. Life changing! In 4 months, I paid off my car loan, all credit cards and doctor bills!!! About $6,000 total. I increased my credit score to a 747. Started at a 660.

0Comment 69 people found this helpful. Was this review helpful to you?YesNo

Awesome learning book

ByAmazon Customeron September 24, 2017

Format: MP3 CDVerified Purchase

Awesome learning book. Great insight to how to correct your financial plan to improve your future. My brother recommended this book to me, at first I was resistant and somewhat defensive, but super glad I got it. Now I even bought one for my mom to have.

0CommentWas this review helpful to you?YesNo

... on my debt snowball and Dave Ramsey did a great job in setting you up for success by explaining ...

ByLizJon September 29, 2016

Format: Kindle EditionVerified Purchase

I'm working on my debt snowball and Dave Ramsey did a great job in setting you up for success by explaining the reasons why you need to follow his advice as he states it and in the right order. I was skeptical at first and didn't want to change, but once I did I found a huge difference in how fast my debt is going down.

0Comment One person found this helpful. Was this review helpful to you?YesNo

Dave Ramsey is brilliant and his easy to follow steps to financial freedom ...

ByAmazon Customeron December 12, 2016

Format: Kindle EditionVerified Purchase

A must read for anyone with a desire to get their financial affairs in order. Dave Ramsey is brilliant and his easy to follow steps to financial freedom creates a clear and concise plan to crawl one's way out of debt and set up a lifestyle that ensures retiring with dignity. Loved it!!!!

0Comment One person found this helpful. Was this review helpful to you?YesNo

Great advice.

Bymoonkat59on March 5, 2016

Format: HardcoverVerified Purchase

Great advice. You might want the abbreviated version- much of the book is testimonials. At first it seems obvious- pay cash for everything, but he does have great, solid advice and easy to follow steps for getting rid of debt and saving money.

0Comment 2 people found this helpful. Was this review helpful to you?YesNo

A must read for everyone.

ByChensleeon May 3, 2017

Format: Kindle EditionVerified Purchase

This book is changing my life, I tell anyone that will listen to me about what @DaveRamsey has done for me and how I view money.

0CommentWas this review helpful to you?YesNo

This book has helped me change my life...

ByAmber Warfieldon January 7, 2013

Format: HardcoverVerified Purchase

I had heard of Dave Ramsey over the years but never really gave him much mind. A few years ago I was not happy with the way my husband and I seemed to keep plodding along financially. Money would just seem to vanish in the wind and we couldn't answer where it was going to. Since we were both in our 30's with 2 young boys I decided enough was enough and it was time to take a bit more charge with my finances.

I first checked this book out of the library but loved it so much I purchased it here on Amazon. I like Dave's no-nonsense approach to taking charge, and responsibility for your financial actions. We still aren't perfect financially but have come a long way from where we were. Even just starting with his advice to have a $1000 emergency fund has been so helpful. Having that money as a backup is such a smart first step.

If you are not happy with how things are going financially I highly recommend this book. You have to put in the work but he has great advice to get you going.

0Comment One person found this helpful. Was this review helpful to you?YesNo

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Most recent customer reviews

Having read and followed Dave's financial counsels in Financial Peace ...

Having read and followed Dave's financial counsels in Financial Peace, Total Money Makeover is a facelift for me.Read more

Published 2 hours ago by Bayo Adeleye

It provides a great, do-able structure for financial independence

I listened to this audiobook in a day. It provides a great, do-able structure for financial independence!

Published 12 hours ago by Derek S.

80% fluff, 20% sound advice... heavy on Christian propaganda and over-extended metaphors

I think the gist of Ramsey's work is powerful but the book itself is somewhat insufferable. His tone is extremely arrogant and oftentimes misogynistic. (God gave me a jaguar!Read more

Published 15 hours ago by DM

Love Dave Ramsey!

Great book on finances. Inspired me to take his classes!

Published 17 hours ago by Chris

Five Stars

Excellent

Published 18 hours ago by Amazon Customer

I always thought I was budgeting until I read this book

It's amazing how I found hope after reading this book. I never thought I would be debt-free and now I see that I can be debt free and not a slave to the pay check.

Published 20 hours ago by Mary Sewell

Created my budget, now....

....I need to start my Total Money Makeover like a gazelle. Looking forward to being free from 10's of thousands of dollars of credit card debt.

Published 1 day ago by Angela Vance

Change your family tree

The book makes sense. The methods are simple but can be hard for one to change, but so worth it.

Published 1 day ago by Arturo R

Five Stars

Great book!

Published 1 day ago by ms.yogi

A life changing book

I could write for days about Dave. He helped wake me and my family up years ago. It took over 5 years but we climbed our way out of thousands of dollars in credit cards and...Read more

Published 1 day ago by Jason and Julie

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