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

4.7 4.7 out of 5 stars 21,536 ratings

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Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite finance coach, Dave Ramsey.

By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.

The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to:

  • Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method
  • Break bad habits and make lasting changes when it comes to your relationship with money
  • Recognize the 10 most dangerous money myths
  • Secure a healthy nest egg for emergencies and set yourself up for retirement
  • Become financially healthy for life
  • Live like no one else, so later you can LIVE (and GIVE) like no one else!

This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.

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From the Publisher

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Total Money Makeover - Expanded and Updated Edition TMM: Workbook TMM: Journal La Transformacion Total De Su Dinero de Dave Ramsey
The Total Money Makeover: Updated and Expanded Edition The Total Money Makeover Workbook: Classic Edition The Total Money Makeover Journal The Total Money Makeover: Spanish Edition
Customer Reviews
4.7 out of 5 stars
21,536
4.7 out of 5 stars
5,651
4.5 out of 5 stars
144
4.7 out of 5 stars
786
Price $15.00 $14.29 $9.99 $11.61
Discover the full suite of Total Money Makeover titles The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. Ready to apply everything you learned in The Total Money Makeover? This essential companion workbook is full of inspiring real-life stories and thought-provoking questionnaires. This is the reset you’ve been searching for When Dave Ramsey was undergoing his own total money makeover, he found that journaling was an effective way to see the big picture. Now, discover patterns in your spending and tackle the source of bad money habits by journaling through your journey. Usted PUEDE tomar control de su dinero. Fortalezca sus músculos financieros con el entrenador monetario favorito de Estados Unidos: Dave Ramsey.

Editorial Reviews

About the Author

Dave Ramsey is an eight-time No. 1 national best-selling author, personal finance expert and host of The Ramsey Show, heard by more than 18 million listeners each week. He has appeared on Good Morning America, CBS Mornings, Today Show, Fox News, CNN, Fox Business, and many more. Since 1992, Dave has helped people regain control of their money, build wealth and enhance their lives. He also serves as CEO for the company, Ramsey Solutions.

Product details

  • Publisher ‏ : ‎ Thomas Nelson; 1st edition (September 17, 2013)
  • Language ‏ : ‎ English
  • Hardcover ‏ : ‎ 272 pages
  • ISBN-10 ‏ : ‎ 1595555277
  • ISBN-13 ‏ : ‎ 978-1595555274
  • Item Weight ‏ : ‎ 1.36 pounds
  • Dimensions ‏ : ‎ 7.6 x 1.02 x 9.55 inches
  • Customer Reviews:
    4.7 4.7 out of 5 stars 21,536 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.

Customer reviews

4.7 out of 5 stars
21,536 global ratings

Customers say

Customers find the book's information quality amazing, helpful, and confirming their thought processes. They describe it as a great read, fun, and easy to understand. Readers appreciate the step-by-step guide and value for money.

AI-generated from the text of customer reviews

719 customers mention "Information quality"673 positive46 negative

Customers find the information in the book amazing, helpful, and motivational. They also mention the language is clear and the concepts are explained in a way that makes financial sense. Readers also say the anecdotal statements are useful. Overall, they say the book can help turn finances around if you follow the advice in it.

"...I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home...." Read more

"As a financial advisor, I love how easily dave explains everything in this book. The total Money Makeover isn't just a book, it's a lifestyle...." Read more

"Easy to read, and clear explanations. I wish I had known most of this stuff when I was younger." Read more

"...It's designed for every age and walk of life. My only complaint is that I have heard most of this material already on his podcast...." Read more

705 customers mention "Readability"699 positive6 negative

Customers find the book readable, interesting, and fun. They appreciate that it has bigger wording and no fancy verbiage.

"...smarter way prepare for your kids' college education, this is a great book to read...." Read more

"Great read especially for people starting on their budgeting journey." Read more

"The book is quite good and well outlined. I especially like the real life examples and simple steps Dave recommends to get your finances in order...." Read more

"...I think every person should read it. It is an amazing book. I am planning on reading all the other books written by Dave Ramsey :)..." Read more

382 customers mention "Ease of reading"346 positive36 negative

Customers find the book easy to read, understand, and implement. They appreciate the step-by-step guide to transforming their finances. Readers also mention the author does a wonderful job of explaining everything in detail. In addition, they say it's entertaining and a decent reference guide.

"...He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you..." Read more

"Easy to read, and clear explanations. I wish I had known most of this stuff when I was younger." Read more

"The book is quite good and well outlined. I especially like the real life examples and simple steps Dave recommends to get your finances in order...." Read more

"...But I did read this entire book in one day! It was a super easy, entertaining book to read...." Read more

248 customers mention "Value for money"229 positive19 negative

Customers find the book to be an excellent resource for learning to budget, get out of debt, and manage finances. They say it's helpful to rein in spending problems and provides the greatest return on investment. Readers also mention the book has completely changed their views on debt.

"...Overall, I feel it's worth the money and time to buy and read this book so you have a financially-fit future!" Read more

"...I also appreciate the price of the book because I had to take a course that includes this book and the price was much affordable here." Read more

"...Ramsey's approach is practical and actionable. The book lays out specific steps to tackle debt, build an emergency fund, and invest wisely,..." Read more

"...This book could change your future and is worth every penny you spend on it...." Read more

33 customers mention "Gift value"33 positive0 negative

Customers find the book makes a great gift. They say it's a wonderful thing to share and a good way for everyone to live.

"This is a fantastic gift for anyone!" Read more

"...Great gift for newlyweds and those wanting to get out of debt and begin wealth building." Read more

"...Great book to give as a gift as well, this is the best thing you can do for somebody that's having financial difficulties, even better than giving..." Read more

"...This in and of itself makes it the perfect gift for others who have not heard of Dave and those who have alike!..." Read more

27 customers mention "Effectiveness"27 positive0 negative

Customers say the strategies and steps in the book work. They also mention the simple advice will work wonders for their bank accounts.

"...This method works!!..." Read more

"...This advice works. The steps work! And the sacrifices while difficult are well worth it in the end...." Read more

"...We love Dave Ramsey and his timeless plan. It works, we have been working it for a few years ago, and if you work it exactly as planned out by Dave,..." Read more

"...offers in the makeover are basic but very well thought out and effective...." Read more

"If You Will Live Like No One Else, Later You Can Live Like No One Else."
5 out of 5 stars
"If You Will Live Like No One Else, Later You Can Live Like No One Else."
I've always been interested in my finances and my husband and I jointly manage our family's finances so we both know what's going on. A friend at church was talking about Dave Ramsey and I had never heard of him before so I decided to look him up and see what kinds of books he wrote. I found this book to be a popular choice of his and I didn't know how much of it would interest me so I ended up borrowing it from the library initially. I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home.The Total Money Makeover is a personal finance book written by Dave Ramsey. Ramsey is a financial expert as well as a Christian who has had his own money troubles in the past. He's overcome them and learned from his mistakes so he's passed along his wisdom in these pages. There are also many stories of people who have been in a tough spot financially who used this book to get themselves out of debt. This book is 237 pages long, contains 13 chapters, worksheets and a full index.I found this book to be helpful and I really enjoyed reading it! Dave Ramsey writes in a no-nonsense fashion and if he says something is stupid or a bad idea, he will say exactly that. He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you are working on getting yourself out of debt (he also refers to Murphy's Law quite a bit so something will always happen). I like how he tells us what types of companies, funds, etc to avoid and what ones are good ones. Even though he knows a lot about investments, he doesn't provide extensive investment information in this book but he does give some information on what types of funds he thinks are best based on trends.I enjoyed this book so much that I told my sister about it and she said she wanted to read it too so I bought one for her and one for myself. I've told others about the book and I think it is helpful, no matter what your financial situation is. Some parts of the book didn't apply to us but I found the second half of it to be especially informative which is why I decided to buy a copy. Unless you already have millions of dollars in the bank and have all of your finances under control (retirement, investments, kids' college education, etc.), I think you'll find the information in this book to be useful.If you have a lot of credit card debt and loans and want to get your finances under control, I highly recommend this book. Even if you don't have a lot of debt but you want to find a smarter way prepare for your kids' college education, this is a great book to read. It's very informative and you can also borrow a copy from a friend or the library first before you buy your own. I'm glad I bought it because the small investment in this book has caused us to take a closer look at our finances and see what we can do better. Overall, I feel it's worth the money and time to buy and read this book so you have a financially-fit future!
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Top reviews from the United States

Reviewed in the United States on February 25, 2018
I've always been interested in my finances and my husband and I jointly manage our family's finances so we both know what's going on. A friend at church was talking about Dave Ramsey and I had never heard of him before so I decided to look him up and see what kinds of books he wrote. I found this book to be a popular choice of his and I didn't know how much of it would interest me so I ended up borrowing it from the library initially. I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home.

The Total Money Makeover is a personal finance book written by Dave Ramsey. Ramsey is a financial expert as well as a Christian who has had his own money troubles in the past. He's overcome them and learned from his mistakes so he's passed along his wisdom in these pages. There are also many stories of people who have been in a tough spot financially who used this book to get themselves out of debt. This book is 237 pages long, contains 13 chapters, worksheets and a full index.

I found this book to be helpful and I really enjoyed reading it! Dave Ramsey writes in a no-nonsense fashion and if he says something is stupid or a bad idea, he will say exactly that. He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you are working on getting yourself out of debt (he also refers to Murphy's Law quite a bit so something will always happen). I like how he tells us what types of companies, funds, etc to avoid and what ones are good ones. Even though he knows a lot about investments, he doesn't provide extensive investment information in this book but he does give some information on what types of funds he thinks are best based on trends.

I enjoyed this book so much that I told my sister about it and she said she wanted to read it too so I bought one for her and one for myself. I've told others about the book and I think it is helpful, no matter what your financial situation is. Some parts of the book didn't apply to us but I found the second half of it to be especially informative which is why I decided to buy a copy. Unless you already have millions of dollars in the bank and have all of your finances under control (retirement, investments, kids' college education, etc.), I think you'll find the information in this book to be useful.

If you have a lot of credit card debt and loans and want to get your finances under control, I highly recommend this book. Even if you don't have a lot of debt but you want to find a smarter way prepare for your kids' college education, this is a great book to read. It's very informative and you can also borrow a copy from a friend or the library first before you buy your own. I'm glad I bought it because the small investment in this book has caused us to take a closer look at our finances and see what we can do better. Overall, I feel it's worth the money and time to buy and read this book so you have a financially-fit future!
Customer image
5.0 out of 5 stars "If You Will Live Like No One Else, Later You Can Live Like No One Else."
Reviewed in the United States on February 25, 2018
I've always been interested in my finances and my husband and I jointly manage our family's finances so we both know what's going on. A friend at church was talking about Dave Ramsey and I had never heard of him before so I decided to look him up and see what kinds of books he wrote. I found this book to be a popular choice of his and I didn't know how much of it would interest me so I ended up borrowing it from the library initially. I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home.

The Total Money Makeover is a personal finance book written by Dave Ramsey. Ramsey is a financial expert as well as a Christian who has had his own money troubles in the past. He's overcome them and learned from his mistakes so he's passed along his wisdom in these pages. There are also many stories of people who have been in a tough spot financially who used this book to get themselves out of debt. This book is 237 pages long, contains 13 chapters, worksheets and a full index.

I found this book to be helpful and I really enjoyed reading it! Dave Ramsey writes in a no-nonsense fashion and if he says something is stupid or a bad idea, he will say exactly that. He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you are working on getting yourself out of debt (he also refers to Murphy's Law quite a bit so something will always happen). I like how he tells us what types of companies, funds, etc to avoid and what ones are good ones. Even though he knows a lot about investments, he doesn't provide extensive investment information in this book but he does give some information on what types of funds he thinks are best based on trends.

I enjoyed this book so much that I told my sister about it and she said she wanted to read it too so I bought one for her and one for myself. I've told others about the book and I think it is helpful, no matter what your financial situation is. Some parts of the book didn't apply to us but I found the second half of it to be especially informative which is why I decided to buy a copy. Unless you already have millions of dollars in the bank and have all of your finances under control (retirement, investments, kids' college education, etc.), I think you'll find the information in this book to be useful.

If you have a lot of credit card debt and loans and want to get your finances under control, I highly recommend this book. Even if you don't have a lot of debt but you want to find a smarter way prepare for your kids' college education, this is a great book to read. It's very informative and you can also borrow a copy from a friend or the library first before you buy your own. I'm glad I bought it because the small investment in this book has caused us to take a closer look at our finances and see what we can do better. Overall, I feel it's worth the money and time to buy and read this book so you have a financially-fit future!
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203 people found this helpful
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Reviewed in the United States on September 6, 2024
Great read especially for people starting on their budgeting journey.
2 people found this helpful
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Reviewed in the United States on September 29, 2024
As a financial advisor, I love how easily dave explains everything in this book. The total Money Makeover isn't just a book, it's a lifestyle. I buy this book for every young client that sits with me and says "I really don't know much about finance". If you;re in debt or struggling to get out of debt, this is the book for you!
2 people found this helpful
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Reviewed in the United States on February 27, 2024
Dave Ramsey's 'The Total Money Makeover' is a financial game-changer. This book doesn't just provide advice; it offers a step-by-step guide to transforming your financial life.

Clear Action Steps:
Ramsey's approach is practical and actionable. The book lays out specific steps to tackle debt, build an emergency fund, and invest wisely, providing a roadmap to financial success.

Motivational Tone:
The author's motivational and straightforward style keeps you engaged. It's not just about financial advice; it's about changing your mindset and taking control of your financial destiny.

Proven Strategies:
The strategies outlined in the book are tried and true. Many readers, including myself, have seen tangible results by implementing Ramsey's principles into their financial lives.

Accessible for All:
Whether you're a financial novice or someone with some knowledge, the book caters to all levels. The language is clear, and concepts are explained in a way that makes financial management accessible for everyone.

'The Total Money Makeover' is a must-read for anyone looking to gain control of their finances. Ramsey's approach is not just about managing money; it's about transforming your financial future.
19 people found this helpful
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Reviewed in the United States on September 23, 2016
I LOVE LOVE LOVE this book!

I saw some comments on my Facebook from different friends saying what a difference this book had made in their lives so I decided to read it. I first went to my public library to check it out, but they did not have it in stock. They had about 15 copies of this book and ALL copies were checked out!! This reinforced my belief that this book was worth my time. So I decided to buy it on Amazon since I could not wait to start reading it. Two days later, the book arrived! I sat on my couch and read non-stop from beginning to read (ok, maybe not non-stop, I took breaks to eat and use the restroom). But I did read this entire book in one day! It was a super easy, entertaining book to read. It is written in plain language so that anyone can understand. I love the way Dave Ramsey explained different myths about money/debt and it really hit home.

As soon as I finished reading the book, I called my boyfriend and told him I wanted him to read it too. My boyfriend finished reading it a few days later and we both LOVED IT. We have already created our very first monthly budget and are hoping to complete baby step #1 (save $1000 as a starter emergency fund) by the end of next month and start baby step #2 (the debt snowball) right away. I am SO excited about starting my total money makeover and cannot wait to be debt free and building wealth. This book changed my life and my views on debt and credits cards. It was a huge eye-opener.

I have told everyone I know about this book. I think every person should read it. It is an amazing book. I am planning on reading all the other books written by Dave Ramsey :)

UPDATE: I just purchased this book AGAIN to give to my sister as a Christmas present! Also I am on Baby Step #2 and have paid $32,000 so far in debt in the last 12 months!!! This method works!! Also I have read ALL other books written by Dave Ramsey, his daughter Rachel Cruz, and Chris Hogan (one of Dave Ramsey's personalities). ALL books are amazing and I totally recommend them!
22 people found this helpful
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Top reviews from other countries

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Fatima E
5.0 out of 5 stars Great book, eye opener on your financial health
Reviewed in Canada on May 8, 2024
This book seems like it really helped my partner and I to better understand our finances and attempt to be financially free within a few years. After reading his book, becoming a millionaire is actually doable and his goals are realistic. Great insight even if you enjoy reading about other method!
Hpaget
5.0 out of 5 stars great book
Reviewed in the United Kingdom on October 17, 2024
I really enjoyed it , it emphasises the most important things for financial freedom! I would recommend this book to anyone.
Ryan
5.0 out of 5 stars Amazing
Reviewed in the United Arab Emirates on October 4, 2024
Great book!
Client Kindle
5.0 out of 5 stars Article conforme
Reviewed in France on June 2, 2024
Ça fait moment que je suis Dave Ramsey et je suis convaincue par sa méthode, je cherchais son livre en édition physique. Il est arrivé avant la date prévue et en très bonne état pour jn livre d’occasion, on dirait un livre neuf. Vendeur très sérieux, je recommande.
Akash Ghosh
5.0 out of 5 stars Finance King👑
Reviewed in India on March 21, 2024
Just loved it, so simple to understand the story given there is so inspiring and valuable. Deep Respect for the Author 🙏🏻