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Dave Ramsey

The Total Money Makeover: A Proven Plan for Financial Fitness Hardcover – January 1, 2009

by Dave Ramsey (Author)

4.7 2,513 ratings

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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.

Print length

259 pages
Language

English
Publisher

Thomas Nelson Inc
Publication date

January 1, 2009
Dimensions

7.25 x 0.75 x 9.25 inches
ISBN-10

159555078X
ISBN-13

978-1595550781
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Baby Steps Millionaires: How Ordinary People Built Extraordinary Wealth--and How You Can Too

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Product details

Publisher ‏ : ‎ Thomas Nelson Inc; 3rd edition (January 1, 2009)
Language ‏ : ‎ English
Hardcover ‏ : ‎ 259 pages
ISBN-10 ‏ : ‎ 159555078X
ISBN-13 ‏ : ‎ 978-1595550781
Item Weight ‏ : ‎ 1.74 pounds
Dimensions ‏ : ‎ 7.25 x 0.75 x 9.25 inches

Best Sellers Rank: #36,991 in Books (See Top 100 in Books)
- #138 in Budgeting & Money Management (Books)
- #162 in Finance (Books)

Customer Reviews:
4.7 2,513 ratings

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Dave Ramsey

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Dave Ramsey is America’s trusted voice on money and business. He’s a #1 National bestselling author and host of The Ramsey Show, heard by more than 18 million listeners each week. Dave’s eight national bestselling books include The Total Money Makeover, Baby Steps Millionaires, and EntreLeadership. He has appeared on Good Morning America, CBS This Morning, Today, Fox News, CNN, Fox Business and many more. Since 1992, Dave has helped people take control of their money, build wealth, and enhance their lives. He also serves as CEO of Ramsey Solutions.

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4.7 out of 5

2,513 global ratings

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William J. Burch

FANTASTIC SHIPMENT AND PRODUCT!

Reviewed in the United States on August 2, 2023

Verified Purchase

I ordered an older book, but listed as in New Condition. It arrive FASTER than I expected and in PERFECT SHAPE! EXACTLY as described in the ad. I will not hesitate to order again from this bookseller in the future. Thank you!

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D. Matlack

The Only Financial Advice WE Need

Reviewed in the United States on March 26, 2010

Verified Purchase

Initially I was given this on CD by a friend who has recently become a "disciple of Dave". I listened to it twice over and even hit the repeat button quite a lot. When I got home I ordered his book and have read and re-read this so that it has come to live on my nightstand.

Why?

Well, for starters, I, like far too many of us had hit a financial sinkhole about 15 years ago and then spent more than a decade digging myself out. Much of what Dave has to say is common sense: Save, pay cash, budget, avoid consumer debt (ie. if you can't afford it don't buy it.) and rather than compete with the Jones' live the life you can afford and eventually you will live like no other. To do so we must be willing to avoid peer pressure and remain focused on our reality - Not the fantasy.

My own personal sinkhole occurred when I was a college student. Dave brings up a very important argument for higher education. College is a luxury NOT a necessity. Higher education only plays a role in the success of an individual in only 15% of the population. 15% is NOT very much, which means a great deal of parents are needlessly sending their children to college, many like myself are either disinterested or academically unqualified for college yet too many of us are willing to throw money at an ultimately empty quest which becomes a money pit. Tho my family & I saved for my education we were still short and even with pell grants I had to take out student loans. I actually took out a modest sum in comparison to my schoolmates but tie that in with the credit card that practically came in a goodie-bag, and NO immediate job when I graduated the end result was disasterous.

Had I been more knowledgeable about finances and unafraid to ask for help I actually would have cleaned my mess up more quickly. Instead I took the first piece of advice from an individual who appeared to be knowledgable based on his profession - he was a lawyer. He might be great in a trial but the man was ignorant of financial matters & my situation only got worse. Ironically, had I talked to my dad, who did bring me up on many of Dave's principals (save, if you can't afford it than earn it, pay yourself first and pay your bills off ASAP) and I taken the very basic, but good advice of a very good accountant I could have been on Dave's path earlier.

I have struggled, but I have also improved and I now have no consumer debt, I eliminated my credit cards, I am now saving for an emergency fund, I also have a savings and I can now feel excited about the future rather than fear it.

Since I did this for the most part without Dave before hand you might wonder why I champion his book. Because I realize that despite Dave and I eventually having the benefit of commonsense advice from previous society as a whole our nation has lost touch with the reality of financial responsibility. There is no quick fix but there is truly salvation to be had if we are willing to be smart and earn it. I have also found Dave's book to be useful in fine tuning my plans. Now it is time to learn how to make my money work for me and make proper investments. It's good to have Dave there to explain it all in a language that neither bores me or goes over my head.

Quite frankly I intend to start giving this book out as gifts to, unfortunately, too many people I know and particularly to all future Highschool graduates in my acquaintance and hopefully prevent future financial sinkholes.

6 people found this helpful

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Jorge From Texas

GREAT BOOK FOR THOSE WHO ARE NOT BUDGET SAVVY!

Reviewed in the United States on August 22, 2012

Verified Purchase

I cannot completely disagree with the people who have given this book 2, 3, and 4 stars. This book truly does state the obvious. I started from the introduction and Mr. Ramsey definitely highlights that a lot of what is in this book has already been preached by other "experts" and the vast majority of what he puts out there is common sense for a great many people. These are all points that have been argued by those who are not so pleased with the book. I figured it behooved me to point that out just in case anyone read my review anticipating the reasoning behind my giving this book five stars had to do with some amazing new revelation of how to save money.

You could probably place me in the category of the people who know what to do and how to go about doing it, but never ACTUALLY do it. Am I uncormfortable? Not at all. I have a respectable job with very fair compensation, and my wife does well too. However, we have also done well to accumulate debts over time: many of the debts are as old as our relationship (which is pretty young...six years). It wasn't until recently that I realized something. While we have money saved aside for the imminent rainy day, we could be doing so much better if we were saving without the concern of applying those savings to our debt. Like I said, for many of you this is obvious.

I was in denial for quite some time. I didn't want to admit that I was horrible with money because I didn't want to sacrifice control of my own money. When I came across this book, I did research on the author, and determined that this would be a solid investment. Upon reading the first few pages, I was immediately hooked! The part that got to me the most was looking in the mirror and realizing where our financial woes were originating from. I know, it sounds like a 12 step program: it kind of is! It's a program for binge spenders! I realized that I was financially intoxicated, or financially overweight (Mr. Ramsey correlates the Total Money Makeover with working out...pretty good tie-in considering that I need to get in shape too!).

I probably could have finished this book in a day if it wasn't for my obligations to work and family. Instead it took two whole days to get this book finished! Since then (four days ago) I have already created an Excel sheet listing all our debts from smallest to largest, and have created an allocated spending plan for our upcoming paychecks in two weeks. The first step is to come up with $1,000 dollars, but we already have that covered, and are prepared to get a head start on our debt snowball by depleting our savings accounts. I have even set a target date for us to be debt free.

While I read the whole book, I sometimes think I should have stopped reading at baby step 2, which deals with clearing your debt. I don't necessarily want to get ahead of myself.

Anyway, the point of this review is simple: it is not so much knowing what it takes to clear your debts and live a life of financial freedom; it is about DOING what it takes with a "gazelle like intensity". Again, there are no crazy new revelations or revolutionary ideas. Mr. Ramsey makes no claims to being an expert. He simply puts out what everyone already knows. Besides, it's also good to know that he was in a position - becoming rich, filing for bankruptcy, only to become wealthy again - to employ these methods.

As with any other review, take mine with a grain of salt. Determination and sacrifice will ultimately lead to true freedom in the future. "If you will live like no one else, later you can live like no one else." Awesome and uplifting read.

7 people found this helpful

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Top reviews from other countries

penny b.

Seems hard but probably works

Reviewed in Canada on January 20, 2022

Verified Purchase

A little tedious to read . Could be shorter and to the point. Testimonies good to hear

Patricia Ruban

Excellent!

Reviewed in Canada on February 10, 2014

Verified Purchase

This book is ideal for someone who just wants to tweak a particular aspect of their finances, or it does just as well for the person who has never learned how to manage money. You learn that money management is a skill, can be learned, and will get you where you want to go in life. The book gives you everything you need to learn the basics, and provides information on where to get the tools to do it; e.g., budget sheets.

What's more, this man is you and me. He has been there and done that. For some, like Dave Ramsey, experience is the best teacher. The fact that he is able to turn it around and share it with us, prevents many of us from making the same mistakes, continually. He stops us in our tracks.

One person found this helpful

lily95400

Best advise on finance

Reviewed in Canada on September 15, 2021

Verified Purchase

I will recommend this book to anyone. For of us have 0 financial know but this book has been a game changer

Rabbit

Simply the best money book I have ever read

Reviewed in the United Kingdom on March 29, 2014

Verified Purchase

I love the total money makeover. I have read it several times from cover to cover and even have it on my Kindle. Following Dave Ramsey's simple 7 step plan and listening to his wise advise I built up an emergency fund, got myself out of credit card debt and now I pay cash or use my debit card for everything. This book has genuinely saved me thousands of pounds that would have otherwise been wasted on paying credit card interest. The real life accounts from other people he has helped which feature in the book bring the whole thing to life.

5 people found this helpful

Craig D.

Financial Planning that works

Reviewed in the United Kingdom on August 23, 2015

Verified Purchase

This book really has changed my life. Before reading Dave's book I had never made a budget before and always just spent on what I wanted not what I needed. After reading this book I set a budget stuck to it and have now paid off £7000 on credit cards, have savings for the first time ever and am working on saving for a deposit on a house. I would recommend this book to everybody as I believe there isn't anybody who wouldn't benefit from reading it and using the principles in this book.

5 people found this helpful

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