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The Total Money Makeover: A Proven Plan for Financial Fitness | [Dave Ramsey]

The Total Money Makeover: A Proven Plan for Financial Fitness

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

4.3 (2865 )
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Performance
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  •  
    Joy 09-04-12
    Joy 09-04-12
    HELPFUL VOTES
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    "This is the way to get debt free!"
    Would you recommend this audiobook to a friend? If so, why?

    Both inspiring and accurate, clear and simple. This book can set you free.


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

    Dave if funny and candid. He doesn't sugar coat the issues or the problems that cause them. Direct is the best approach for the subject and is that.


    2 of 2 people found this review helpful
  •  
    Cynthia Springville, UT, United States 08-30-08
    Cynthia Springville, UT, United States 08-30-08 Member Since 2006
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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.

    48 of 67 people found this review helpful
  •  
    Saul 06-25-10
    Saul 06-25-10
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    "mixed emotions"

    A GREAT BOOK TO GET OUT OF DEBT! Dave nails it and provides a means to get out of debt FAST and take financial control of ones life. What is dissapointing is that Dave still believes in the Fed and Wallstreet. He bashes Gold, Silver, insurance and Foreign Investments when these investments have proven to be more safe and profitable than US Stocks in the last decade. The True financial problem is right at home in Wallstreet. The debt part and Mortgage part is Great! The rest I believe does not apply for a Post 2010 Era.

    52 of 74 people found this review helpful
  •  
    Amazon Customer 10-29-09
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    "This is a Really Tough Listen"

    The content seems good but I am only 31 minutes in and already tearing the earplugs out! Don't Preach at me. Just tell me. He goes over every point relentlessly and in such a condescending manner. I don't know if I can keep listening!

    61 of 87 people found this review helpful
  •  
    02-22-05
    02-22-05 Member Since 2005
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    "Brash"

    Content is simple. The author be-littles other advice books and authors, talks to you like you are a child, and tries to bully you into saving money. He sounds like a guy full of rage, stuck in traffic. If his advice was great, would he really need the attitude and tone to help sell you on it?
    Don't spend money now, and you'll have a great life later. That's the story.
    Take the $14 and put it in the bank instead of buying this book. That will be a great start to your "Money makeover".

    90 of 133 people found this review helpful
  •  
    Ralph Montreal, Quebec Canada 10-23-08
    Ralph Montreal, Quebec Canada 10-23-08
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    "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.

    30 of 44 people found this review helpful
  •  
    03-30-06
    03-30-06
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    "Don't bother"

    The problem with this book is not the content, but the reading of it. I had to stop listening because he sounded SO ANGRY! It almost takes you to the point of verbal abuse. It would be better if someone else read it.

    48 of 71 people found this review helpful
  •  
    Shavonta Green Alexandria, Va 04-11-14
    Shavonta Green Alexandria, Va 04-11-14 Member Since 2013
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    "Do NOT waste your money/credit!"
    What could have made this a 4 or 5-star listening experience for you?

    I don't know. He ranted and raved and was very annoying in the abridged version. I don't remember the actual audio CD (unabridged) version being like this from years ago. The book should be offered in the unabridged version NOT abridged. It terrible. All t his book was was him giving his opinions and talking down to the reader. He didn't offer many helpful tips or recommendations. There were some good nuggets and I think the premise behind what he's saying is great--the delivery made it really hard to listen. I didn't finish the book and removed it from my phone. I'd send it back if I could.


    What do you think your next listen will be?

    Not from Mr. Ramsey. Between he and Suze Orman, she wins HANDS DOWN!


    Who would you have cast as narrator instead of Dave Ramsey?

    Suze Orman, but the material/content is better.


    If you could play editor, what scene or scenes would you have cut from The Total Money Makeover?

    Add actual advice, recommendations. NOT talking down to people like a bad infomercial.


    Any additional comments?

    I think Dave Ramsey is a good financial expert, but this audiobook was not a good example of that. I wish I could've finished it, but I refused to use my precious time driving home listening to him being angry.

    1 of 1 people found this review helpful
  •  
    Alexandra 02-11-14
    Alexandra 02-11-14 Member Since 2009
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    "This guy makes sense"

    I have business degrees from Wharton (BS) and Stanford (MBA), but like most Americans from middle class backgrounds, I never got much training in personal finance and always felt bewildered by it. I recently listed to The Total Money Makeover for the third time and it clicked. The first two times, I was still in school and had no income, so felt powerless to act on its lessons. Now, with a steady income (and some monstrous student loans) the lessons are relevant, actionable, and empowering.

    Before, I always felt at a loss when it came to budgeting. After re-listening to The Total Money Makeover, I got a second savings account to hold my emergency fund and long-term savings, making it easier to separate between current accounts and short-term savings. Now, I have an Excel spreadsheet with a separate column for each upcoming pay check. I know how much of each paycheck will get immediately transferred into long-term savings (e.g. for a wedding in the fall), how much will go to short-term savings (e.g. for next month's rent), and how much disposable income I have in my current checking account.

    Furthermore, I have a better plan for paying down my debts. If I were to approach this according to the pure net present value financial principles taught in school, I would start with my big student loan (highest interest rate), then my smaller student loan, then my car loan (lowest interest rate). After listening to Ramsey, I'm going to do it in the opposite order. Although that will cost me some in NPV, it means I can pay off my car loan in a few months (freeing up $250 per month in cash flow), and can pay off my smaller student loan in a few years. My larger student loan is the size and duration of a mortgage, and I'll treat it like it's one. If I tried to pay it off first, I wouldn't see any impact on my cash flow for probably 14 years, making it discouraging to try to find extra dollars to put towards paying down debt. Trying this the Ramsey way, I already feel like I'm making progress and am motivated to do more.

    Dave Ramsey is an inspiring speaker. Although his message may come across as simple, in my opinion it does a far better job taking into account human nature than any of the sophisticated financial and economic models I spent so much money learning. I can't recommend this book enough.

    1 of 1 people found this review helpful
  •  
    muhamed hamad town, Bahrain 08-21-12
    muhamed hamad town, Bahrain 08-21-12 Member Since 2011
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    "Total money makeover review"
    Would you recommend this audiobook to a friend? If so, why?

    Yes I would review it for my friend, where most of people share the same problems with debts and credit cards. and the total money makeover is a global plan that suite almost all countries in the world.


    What was one of the most memorable moments of The Total Money Makeover?

    The most memorable moments is the emergency plan strategy that any one have to prepare a plan the guaranteeing for him 3 month to 6 month of backup salary if any thing happen such as a down-term in the economy and the turnover in jobs.


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

    if it about the narration I like Dave ramsy and his style in reading


    Was this a book you wanted to listen to all in one sitting?

    Not at all, because some parts I needed to stop and think in what I listened and the solution that Dave Ramsy has Provided.


    Any additional comments?

    NO :)

    1 of 1 people found this review helpful
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