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The Total Money Makeover Audiobook

The Total Money Makeover: A Proven Plan for Financial Fitness Audiobook

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. It's the simplest, most straight-forward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies.
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Publisher's Summary

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. It's the simplest, most straight-forward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies.

Where Financial Peace gave you the solid saving and investing principles, this book puts those principles into practice. You'll be exercising your financial strength every day and quickly freeing yourself of worry, stress, and debt. And that's a beautiful feeling.

©2003 Dave Ramsey; (P)2003 Thomas Nelson Publishers

What the Critics Say

"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." (Publishers Weekly)

What Members Say

Average Customer Rating

4.5 (6273 )
5 star
 (4390)
4 star
 (1201)
3 star
 (396)
2 star
 (111)
1 star
 (175)
Overall
4.6 (4140 )
5 star
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4 star
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3 star
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2 star
 (79)
1 star
 (53)
Story
4.5 (4168 )
5 star
 (2970)
4 star
 (745)
3 star
 (289)
2 star
 (95)
1 star
 (69)
Performance
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  •  
    Ralph Montreal, Quebec Canada 10-23-08
    Ralph Montreal, Quebec Canada 10-23-08
    HELPFUL VOTES
    58
    ratings
    REVIEWS
    3
    2
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    Overall
    "Recommended if you are in deep financial trouble"

    this book is really targeted at people with lots of debt and financial problems. Although there are some good tips for everyone, the main focus is on how to get out of debt.

    54 of 75 people found this review helpful
  •  
    Gladis houston, TX, United States 03-06-12
    Gladis houston, TX, United States 03-06-12

    Tell us about yourself!

    HELPFUL VOTES
    202
    ratings
    REVIEWS
    9
    7
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    115
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    "Awesome advise"

    Great book! He gives you clear instructions on how to get out of debt. Good motivation for people who don't know where to start. Well worth the credit!

    33 of 47 people found this review helpful
  •  
    Dustin United States 04-02-12
    Dustin United States 04-02-12
    HELPFUL VOTES
    8
    ratings
    REVIEWS
    2
    2
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    0
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    "Should Be On Everyone's Shortlist to Read/Listen"
    Where does The Total Money Makeover rank among all the audiobooks you’ve listened to so far?

    This is one of the best audiobooks I have listened to so far. The money management strategies are valuable for anyone, whether or not they consider themselves to already have a solid grip on financial management. There is something for everyone.


    What about Dave Ramsey’s performance did you like?

    Dave Ramsey's narration is compelling. The way in which he conveys this book, which might be considered a dry topic to listen to, is dynamic and engaging.


    8 of 11 people found this review helpful
  •  
    Brannon San Marcos, CA, United States 09-26-05
    Brannon San Marcos, CA, United States 09-26-05
    HELPFUL VOTES
    8
    ratings
    REVIEWS
    19
    1
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    0
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    "Nothing but OUTSTANDING!!"

    It has been less than a week sense my wife and I have listed to Dave's book and it has already changed our lives and how we look at our finances forever. Within these few days we have paid off almost $3,000 in debt with money that was "just laying around the house". We had no idea how good it would feel to break free from being a prisoner to some of that debt that we have been paying on for years. It is so liberating to finally take charge of our money and actually have a plan. We have listened and read many financial books in the past but NOTHING and I mean NOTHING has gotten us this excited. It has actually given us more hope than we have ever had about changing our financial future. My wife and I have even grown closer because we are working on our finances together as a team for the first time. Every day we get more and more fired up about "The Total Money Makeover". We will never look at money and debt the same way again. If you are reading this review trying to decide if you should buy this book, DO IT AND DON'T WAIT! This book is worth every penny and then some. If you are ready to take control of your life and ?live like no one else? get started right now.

    8 of 11 people found this review helpful
  •  
    Noel Zurich, N/A, Switzerland 11-08-05
    Noel Zurich, N/A, Switzerland 11-08-05
    HELPFUL VOTES
    39
    ratings
    REVIEWS
    1
    1
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    0
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    "12% Mutual Funds?"

    Mr. Ramsey makes quite a bold statement when he says you should invest in a 12% "Growth Stock" Mutual Fund rather then take the 7% Prepay option (when it comes to financing college). He fails to inform the listener about 2 threats to your investment. In first line, a Mutual Fund comes with a range of various expenses that will dramatically impact your real rate of return, referred to as the Expense Ratio. Second, there is absolutely no guaruantee that you will receive 12% in any given year, not to mention, 4 years in a row (average college duration)! If you are already stuggling financially, pick the guaranteed 7% saved by paying for college in advance.

    Overall the audible is decent; focuses on the -mentality- of money management but lacks the -technical/factual information- needed for effective longer term plans.

    39 of 56 people found this review helpful
  •  
    Cynthia Springville, UT, United States 08-30-08
    Cynthia Springville, UT, United States 08-30-08 Member Since 2012
    HELPFUL VOTES
    84
    ratings
    REVIEWS
    5
    2
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    0
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    "Recommended read, not listen"

    The narration/reading of this book made me wonder if it was written in all capitals and italics. While I appreciated the information/ideas shared by the author, I didn't appreciate him yelling at me. I understand he's trying to motivate, but the intensity of his voice was just too much.

    81 of 117 people found this review helpful
  •  
    Russell denver, CO, United States 04-06-12
    Russell denver, CO, United States 04-06-12
    HELPFUL VOTES
    10
    ratings
    REVIEWS
    1
    1
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    0
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    Performance
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    "Dave rules!"

    Best advice money can buy. Follow and be debt free. Easy to follow. Learn it, live it, be debt free and stay that way.

    10 of 14 people found this review helpful
  •  
    Cody S. 04-13-16
    Cody S. 04-13-16 Member Since 2016
    HELPFUL VOTES
    1
    ratings
    REVIEWS
    5
    2
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    FOLLOWING
    0
    0
    Overall
    Performance
    Story
    "Common Sense and Dated Beliefs"

    Aside from the seemingly random outbursts of yelling, Mr. Ramsey does a fine job of explaining basic budgeting and debt management. If you know how to do both of those things already, don't read this.

    1 of 1 people found this review helpful
  •  
    Philippa Powder Springs, GA, United States 03-20-12
    Philippa Powder Springs, GA, United States 03-20-12 Member Since 2010
    HELPFUL VOTES
    16
    ratings
    REVIEWS
    71
    19
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    "Great Financial Motivator!"
    What made the experience of listening to The Total Money Makeover the most enjoyable?

    I have always made sure to payoff credit cards monthly or stop spending to not build up debt. I picked up this book to see how I can advance myself financially. Reading this book I realized I was already doing many things right. The confirmation felt really good. The step-by-step instructions were helpful to ensure you don't loose focus. This book has greatly motivated me to take control of my 'financial fitness'. I plan to teach this to my nieces once they are old enough.


    What’s an idea from the book that you will remember?

    The baby steps to achieving financial fitness.


    Any additional comments?

    The book is targeted towards people with high debt. I understood that some points had to be drastically emphasized in order to make them effective at all, but at times I found the emphasis a bit insulting.

    1 of 1 people found this review helpful
  •  
    Amazon Customer 03-05-12 Member Since 2015
    HELPFUL VOTES
    7
    ratings
    REVIEWS
    38
    11
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    "Extreme Makeover Bank Edition!"

    An extreme and excellent way to view financial matters and decisions. Totally worth the read. If you're looking ate this review you should also read the book!

    1 of 1 people found this review helpful
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  • Sifisosami
    wokinghamUnited Kingdom
    1/27/11
    Overall
    "Thank you Dave Ramsey"

    This is a quick update to those in need of hope. I wrote a review back in June last year and now wish i could give this book more than 5 stars!!! We are now debt free, thanks to Dave's principles layed out clearly in this book.

    2 of 2 people found this review helpful
  • Jeffrey
    STE MARIE DE GOSSEFrance
    2/4/16
    Overall
    Performance
    Story
    "brilliant."

    great advice. strong American biased but the basic plan is sound where ever you live.

    1 of 1 people found this review helpful
  • GudGurl
    Leeds, UK
    4/18/16
    Overall
    "A Dull , Dry Topic Brought to Life"

    Well written book about a subject that's easy to procrastinate over. I would highly recommend.

    0 of 0 people found this review helpful
  • stewart
    3/22/16
    Overall
    Performance
    Story
    "brilliant"

    really good content. so helpfull.

    only thing id say, is the constant God references kind of discredits it as a factual book. should have left his views out.

    0 of 0 people found this review helpful
  • Ioanna
    3/5/16
    Overall
    Performance
    Story
    "not for international readers"

    Intended for USA residents only. I didn't enjoy the narration either although I could guess that from the sample. I never finished it...

    0 of 0 people found this review helpful
  • Ashwin
    2/11/16
    Overall
    Performance
    Story
    "Good book"

    This is a very good personal finance book . Simple steps to achieve financial freedom. I would buy other book by Dave and read them definitely.

    0 of 0 people found this review helpful
  • Gabriella
    1/2/16
    Overall
    Performance
    Story
    "Really engaging and it makes so much sense!"
    Would you recommend this audiobook to a friend? If so, why?

    I would definitely recommend this book to a friend because I think this book teaches us something about money which todays society doesn't. We don't need to live pay check to pay check and if this book can help me, then why wouldn't I want to help my friends too?


    What did you like best about this story?

    I really liked the simplicity of this book. Everything Dave talks about just makes sense. His approach to finance and budgeting your money allows you to take control of your money, not your money controlling you.


    Which character – as performed by Dave Ramsey – was your favourite?

    Dave Ramsey


    If you made a film of this book, what would be the tag line be?

    I don't necessarily think this book should be a film. It works well as a book, and I know that they have an adapted version called Financial Peace University for visual effect.


    Any additional comments?

    I really recommend this book to anyone who wants to feel like they have more control over their money. Even if just get you thinking, this book will transform your life.

    0 of 0 people found this review helpful
  • Timothy
    10/18/15
    Overall
    Performance
    Story
    "Excellent from start to finish"

    If you are tired of living life payday after payday and never seeming to have any money then I highly recommend this book.

    It is a tried and tested method that so far has worked wonders for me!

    0 of 0 people found this review helpful
  • Daniel Jones
    10/12/15
    Overall
    Performance
    Story
    "Had to give up listening"
    Would you consider the audio edition of The Total Money Makeover to be better than the print version?

    I would imagine it would be as very interesting and helpful subject but I haven't read it so can't compare, the audio version is unbearable due to the shouting and terrible dialogue.


    If you’ve listened to books by Dave Ramsey before, how does this one compare?

    I haven't and will steer clear


    What didn’t you like about Dave Ramsey’s performance?

    Performance was awful, shouting, talked to the listener as if an idiot. Generally came across like he was preaching and forcing something down my throat.


    If you made a film of this book, what would be the tag line be?

    It would have to all be in massive letters with lots and lots of explanation marks !!!!!!!!


    Any additional comments?

    Be worth publishing this with a different reader as I think it would have been really good but I just couldn't continue listening.

    0 of 0 people found this review helpful
  • Mystic Aqua
    United Kingdom
    8/26/15
    Overall
    Performance
    Story
    "Some good advice"

    Some very good advice but with a condescending tone which is probably what some us need to get our finances in order. The author seems to be anti OPM which some may think is important for wealth building.

    0 of 0 people found this review helpful

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