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

by Dave Ramsey (Author)

5,800 customer reviews

in Christian Stewardship

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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).

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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.

Hardcover: 272 pages
Publisher: Thomas Nelson; 1 edition (September 17, 2013)
Language: English
ISBN-10: 1595555277
ISBN-13: 978-1595555274
Product Dimensions: 7.7 x 0.9 x 9.6 inches
Shipping Weight: 1.4 pounds (View shipping rates and policies)
Average Customer Review: 5,800 customer reviews
Amazon Best Sellers Rank: #122 in Books (See Top 100 in Books)
- #1 in Books > Christian Books & Bibles > Christian Living > Stewardship
- #1 in Books > Education & Teaching > Schools & Teaching > Funding
- #1 in Books > Business & Money > Personal Finance > Credit Ratings & Repair

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Janell MichaelsTop Contributor: Pets

Changed everything within a month!

February 20, 2018

Format: Kindle EditionVerified Purchase

I grabbed this book because I was tired of watching our bank account drain and credit card balances rise, all the while wondering where the heck our money was going. And quite simply put, this changed everything for us within the first month.

The "makeover" is a set of 7 baby steps, but before the steps comes the cornerstone of the whole program: a written budget and a cash envelope system. The book covers why you need a written budget, and boy, it was true for us. Sure, I had a mental idea of what our bills were. But writing everything out let me see ALL the little things I tend to forget about, and how quickly they add up. The book helped us make a "zero based" budget, meaning we earmarked every dollar coming in for a specific purpose (rent, groceries, gasoline, etc.) Then comes the cash envelope system, which helped us make an immediate 180-degree turnaround on our spending. The book covers why cash is better than plastic (debit as well as credit), as well as how to create cash envelopes for each spending category and stuff them with the budgeted amounts. No more accidental overspending!

The rest of the book goes over the baby steps, a systematic, do-these-in-order money tasks to kill debt and build wealth. Each step's chapter also includes personal success stories. Honestly, you can learn the steps without this book either from the Dave Ramsey website, or even better, from watching the metric TON of YouTube videos on his channel. He does a daily show where people call in with money problems, and he uses this method to solve them. That practical, real-world advice has taught me a lot about this system. But I like having this book handy on my Kindle as a reference, plus the info given about each individual step goes more in-depth than the website.

To sum up, if you own Financial Peace University, Dave's other money books, or are a die-hard YouTube viewer, there's likely nothing new here. But if you're new to the system or want a written reference to go along with his videos, this might well be the one to get in order to cover the basics. I was desperate and at wit's end, terrified of the retirement future staring me in the fact in the next decade or so. Now, I can see a bright financial future ahead, and we have a plan. I can't say enough about this program!

52 people found this helpful

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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.

228 people found this helpful

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Susan Baroncini-Moe

You don't need this book. Get The Total Money Makeover instead.

June 15, 2016

Format: PaperbackVerified Purchase

If you've read The Total Money Makeover, you don't really need this workbook. But if you haven't read Total Money Makeover, I wouldn't use this as a substitute - just go get the Total Money Makeover instead.

The baby steps are pretty straightforward:
Baby Step 1 – $1,000 to start an Emergency Fund - you'll find this way easier than you expect to.
Baby Step 2 – Pay off all debt using the Debt Snowball - this takes a LOT of patience, but you can do it.
Baby Step 3 – 3 to 6 months of expenses in savings
Baby Step 4 – Invest 15% of household income into Roth IRAs and pre-tax retirement
Baby Step 5 – College funding for children
Baby Step 6 – Pay off home early
Baby Step 7 – Build wealth and give

The rules are simple:
1) Live and breathe by your budget.
2) Attack your debt with a vengeance. Think about how your debt is holding you back and get mad at your debt.
3) Don't stray from the path.
4) As Dave says, "Live like no one else so you can live (and give) like no one else."

I listen to the podcast as well and it helps keep me thinking forward and remembering why I started my journey. Dave Ramsey's work can be life-changing, but you have to follow it to the letter. Don't try to do your own thing. That said, know that the rules are available widely online, and Ramsey didn't create this philosophy, he just made it easier to understand than anyone had in the past.

416 people found this helpful

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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.

840 people found this helpful

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Nina G

pretty good book on finance

Loved the book, Totally will get finances in check now that I have a gameplan

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asdf123

Dave is the man. I listened to my family ...

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Michael D. Voight

Life Changing Book

Well-written, practical guidance for people that are “sick and tired of being sick and tired.” Advice that is worth its weight in gold.

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Nick Pekular

Follow Dave and Win.

Read this book. Live this book. Don’t be a wage slave.

Give it to your kids!

Old fashioned you say? Yeah, like maybe because his advice still makes total sense! Great book to give your kids.

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Great book and information if you can discipline yourself

Great book and information if you can discipline yourself.

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