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

by Dave Ramsey (Author)

4,795 customer reviews

in Credit Ratings & Repair

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The Total Money Makeover: A Proven Plan for Financial Fitness
(4,795)

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: 4,795 customer reviews
Amazon Best Sellers Rank: #146 in Books (See Top 100 in Books)
- #1 in Books > Business & Money > Personal Finance > Credit Ratings & Repair
- #2 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 645 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 68 people found this helpful. Was this review helpful to you?YesNo

You Won't Go Wrong

ByEdward J. BartonVINE VOICEon September 16, 2017

Format: HardcoverVerified Purchase

While Dave has a lot of motivation, there's less detail than I would like to see. The appendix with the forms are useful enough, and the simplicity of the "Baby Steps" make it pretty straightforward. Like anything, you actually have to do it to get results - and you won't go wrong with Ramsey. Might not be the most sophisticated - but that's a good answer in this area.

0CommentWas this review helpful to you?YesNo

I thought there would be more for people in my ...

ByGF2on March 31, 2017

Format: HardcoverVerified Purchase

I thought there would be more for people in my position- looking to jump to the next level- since I have little debt there wasn't much new for me.

0CommentWas this review helpful to you?YesNo

Saved my life

ByQuina Quenon July 20, 2010

Format: HardcoverVerified Purchase

This book isn't for everyone obviously. But for me, a recovering "chronic consumer", this was what I needed in order to change the course of my life, and it did.

I can't say enough good things about this book. The examples that he presents are inspiring, witty, and matter of fact. Since reading this book about 3 years ago, about 6 months before I married my wife, we have paid off about $XX,000 in credit card, student loan, car loan, and medical bill debt. We have more money than ever in the bank in case of emergency and peace of mind that is worth a lot more. I'm going to be starting graduate school soon and from the looks of it, I'll graduate debt-free with a Master's degree. We haven't used a credit card for 3 years. Some people are stunned when they find out we don't have credit cards. They ask "but what about emergencies?" We no longer spend more than we make.

I can't read the future, but if I don't fall into my old ways (and it's been 3 years so far), my family and future family have changed their fates.

If you have unlimited self-control (be honest), enjoy gambling with your family's future, and think you're the exception to the trend of the average American consumer, then this is not the book for you.

If you have a weak spot for over-spending and are man/woman enough to admit it, want to enjoy a low-risk 99.5% sure way of living a comfortable life, and you if don't mind a bit of hard work and the occasional bible verse, then get this book.

0Comment 5 people found this helpful. Was 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

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Most recent customer reviews

Dave Ramsey is absolutely non-apologetic for his money-managing ways! ...

Dave Ramsey is absolutely non-apologetic for his money-managing ways! As a Christian, he has a down-to-earth, no-nonsense approach to the steps one needs to take to be successful...Read more

Published 2 days ago by Susan Perreira

Logical plan to become debt free

Easy & interesting read. I am following the plan and will be debt free in a year.
There are 7 steps to follow and it all seems very logical.

Published 2 days ago by LJB63

Great book!

This book provides you with practical tools to true financial freedom. A financial freedom that allows us to honor Christ more with our lives and to make money apart of that...Read more

Published 3 days ago by Amazon Customer

Must read book for any living person.

One of the best books I've read to date. It's not hyperbole when I say it's truly changed my life. If you commit and follow the steps it'll change everything.

Published 3 days ago by Michael

There's no rocket science here but sound solid advice that ...

There's no rocket science here but sound solid advice that we sometimes simply need to read or hear from a respected resource.

Published 3 days ago by Calgary Purchaser

But it!

The only book you need when it comes to personal finance. Easy to follow methods. I had a hard time putting this book down. (Workbook not needed in my opinion)

Published 3 days ago by Lamar McCulley

life Changer Game Changer

This book was a literal Godsend. Soon after I decided I needed help with my finances this book popped up in front me.Read more

Published 4 days ago by Author Nicole Taylor

Four Stars

Published 4 days ago by Fisher100

Five Stars

good read

Published 4 days ago by Amazon Customer

Four Stars

Excellent book!

Published 5 days ago by Amazon Customer

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