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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

4.4 (4084 )
5 star
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4 star
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3 star
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2 star
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1 star
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Overall
4.5 (2247 )
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2 star
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1 star
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Story
4.5 (2266 )
5 star
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4 star
 (452)
3 star
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2 star
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1 star
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Performance
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  •  
    Ryan 09-28-14
    Ryan 09-28-14
    ratings
    REVIEWS
    45
    1
    Overall
    Performance
    Story
    "Great Book"
    Would you listen to The Total Money Makeover again? Why?

    Yes, This book has so many key points and very helpful.


    What did you like best about this story?

    The way that Dave jokes and has a sense of humor throughout the book. And it is all right down to the point.


    What about Dave Ramsey’s performance did you like?

    The story is narrated in a way that almost puts you in the scene.


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

    Yes I wanted a book that I could get the information that I wanted in one setting without wasting any time. This nook is it. I would recommend this book to anyone that is in need of financial help or anyone just striding for a better financial way of life or to fine tune finances.


    Any additional comments?

    Dave tells it how it is. I purchased this book for educational purposes only. I though that we were doing things correctly now as we were in some financial trouble years ago and just wanted to see if we could fine tune anything further to help us out now. The entire book is filled with great pointers and ways to build a secure financial future. It helped us fine tune our finances and we are now finally on our way to financial success. Freedom! All I can say is, I wish that I would have read this book ten years ago or before I started making money because it would of had an huge impact on my future financial decisions. Great Book!

    0 of 0 people found this review helpful
  •  
    debra b. 07-05-14
    debra b. 07-05-14 Member Since 2014
    ratings
    REVIEWS
    10
    2
    Overall
    Performance
    Story
    "Practical, good sound advice with a twist!"
    If you could sum up The Total Money Makeover in three words, what would they be?

    Important/Practical/Humorous


    Who was your favorite character and why?

    N/A


    Have you listened to any of Dave Ramsey’s other performances before? How does this one compare?

    No, I haven't...this is my first introduction to Dave and his work.


    What insight do you think you’ll apply from The Total Money Makeover?

    I have started putting his plan to use and have paid off 3 credit cards this month! So excited and it really brought to my attention the things I have been doing wrong due to the myths I believed to be accurate!


    Any additional comments?

    His energy and belief is obvious in this Audible selection. Easy to listen to and easy to follow. I thank God everyday, that I had the sense to purchase this, it is truly what our family needed! Thanks Dave! I am a new fan for life! xoxo

    0 of 0 people found this review helpful
  •  
    Christi_lg Texas 06-12-14
    Christi_lg Texas 06-12-14 Member Since 2013
    ratings
    REVIEWS
    15
    2
    Overall
    Performance
    Story
    "I like the book, not the way Dave Ramsey reads it."
    Who would you have cast as narrator instead of Dave Ramsey?

    Yes


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

    no


    Any additional comments?

    I do like the book very much. I think it is a very smart plan and I will implement it. I DON'T like the way Dave Ramsey reads it though. It's like he's yelling at you the whole time.

    0 of 0 people found this review helpful
  •  
    N. Temple Seattle, WA USA 05-21-14
    N. Temple Seattle, WA USA 05-21-14
    ratings
    REVIEWS
    2
    2
    Overall
    Performance
    Story
    "A common sense approach"
    Any additional comments?

    This is a great book to use as a tool to get on the right path. Have the hard and audible copy. It's good to get you on the right track but you mush apply the common sense principles (obviously) in order to be successful. does a good breakdown of of various areas for money management but takes some time to get to the nitty gritty...

    0 of 0 people found this review helpful
  •  
    Sam Johannesburg, South Africa 03-27-14
    Sam Johannesburg, South Africa 03-27-14 Member Since 2015
    ratings
    REVIEWS
    1
    1
    Overall
    Performance
    Story
    "Life Changing Book!"
    Would you consider the audio edition of The Total Money Makeover to be better than the print version?

    I do not have the print version, but I found the audio to paint an excellent picture.


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

    "Bob and Sarah have a negative nett worth yet these people looked good, travelled well and dressed in high fashion - Bob's mom is very impressed because they are obviously doing well."
    "Bob and Sarah are broke and desperate and no one knows it, not only does no one know it but everyone thinks the opposite is true"


    What does Dave Ramsey bring to the story that you wouldn’t experience if you just read the book?

    Dave has a powerful voice and his passion about the subject comes out strongly, and makes it difficult to take a pause.


    Did you have an extreme reaction to this book? Did it make you laugh or cry?

    Yes it did - Intense Fear!


    Any additional comments?

    This is the best personal finance book ever!
    But as they say, "the teacher arrives when the student is ready"

    0 of 0 people found this review helpful
  •  
    Thomas 03-25-14
    Thomas 03-25-14 Member Since 2015
    ratings
    REVIEWS
    27
    1
    Overall
    Performance
    Story
    "Good tips and steps for the majority of people"
    What did you like about the performance? What did you dislike?

    I like his enthusiasm but disliked it when he used his mocking "I'm an idiot" tone of voice.


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

    Debt is not a tool. -- Basically MAYBE only use it for buying a home.


    Any additional comments?

    It is a good book and good advice for the majority of people out there. You should be able to gain wealth by following his steps (so long as you have an income).There isn't necessarily any bad advice but I don't like his total hatred of credit cards -- credit cards are useful if you budget to use them and just pay your balance every month. I understand a slight majority abuses credit cards (I think he said 60% carry balances) but for those who don't they are definitely useful. I love the free checked bags from my Delta card and $50 gift card rewards I get from my other credit card.

    0 of 0 people found this review helpful
  •  
    David Valley Center, KS, United States 02-21-14
    David Valley Center, KS, United States 02-21-14
    ratings
    REVIEWS
    11
    1
    Overall
    Performance
    Story
    "Life Changing"
    Would you listen to The Total Money Makeover again? Why?

    I loved this audio book. And I enjoyed the fact that it was narrated by Dave himself. He brings a passion and motivation to his teaching that no one else could.


    What did you like best about this story?

    This book has changed my life. Through open and honest self evaluation I've discovered I'm my biggest money problem.. I like Dave's no nonsense, honest way of presenting a different way to view my life and my money. I'm fired up and I will be calling Dave with the "I'm debt free" yell.
    Good luck to anyone that chooses to go down this path and don't give up.


    0 of 0 people found this review helpful
  •  
    Amber Fort Riley, KS 66442 12-23-13
    Amber Fort Riley, KS 66442 12-23-13 Member Since 2011

    Totally addicted to books: written or spoken! To read or to listen...? Both please!

    HELPFUL VOTES
    0
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    152
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    FOLLOWERS
    FOLLOWING
    0
    4
    Overall
    Performance
    Story
    "Makes a lot of sense"

    It is a good way for the "average joe" to be set for retirement. Makes sense.

    0 of 0 people found this review helpful
  •  
    William SAINT LOUIS, MO, United States 12-20-13
    William SAINT LOUIS, MO, United States 12-20-13 Member Since 2013

    I am an IT contractor by night and a real estate investor by day, learning to reinvent myself with discipline, integrity, and determination.

    ratings
    REVIEWS
    24
    4
    Overall
    Performance
    Story
    "Listen First, Listen Twice to Master"
    Would you listen to The Total Money Makeover again? Why?

    I would listen to it again so I can really dive into the concepts. Sometimes it is best for me to write things down and remind myself on a daily basis.


    Who was your favorite character and why?

    N/A


    Have you listened to any of Dave Ramsey’s other performances before? How does this one compare?

    No I haven't.


    Was there a moment in the book that particularly moved you?

    The different concepts and sterotypes that many people believe.


    0 of 0 people found this review helpful
  •  
    Carrie Catoosa, OK, United States 12-09-13
    Carrie Catoosa, OK, United States 12-09-13 Member Since 2015
    HELPFUL VOTES
    3
    ratings
    REVIEWS
    5
    4
    FOLLOWERS
    FOLLOWING
    1
    1
    Overall
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    Story
    "Dave Ramsey Is Genius!"
    What did you love best about The Total Money Makeover?

    I love Dave Ramsey and all of the advice and information he has to offer. I love that he doesn't sugar coat it, he tells it like it is.


    0 of 0 people found this review helpful
Sort by:
  • 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
  • Amazon Customer
    Denmark
    5/5/15
    Overall
    Performance
    Story
    "Good Sound System...."

    ...but Dave Ramsey's narration i found annoying. It's all well and good that he performed in such a way as to make the listener feel like he was talking to one personally, but given the choice I'd rather he just read the text up without the drama...

    Whatever the case, I would definitely recommend to anyone needing a good sound financial system....

    0 of 0 people found this review helpful
  • Jim
    Ayrshire, Scotland
    2/28/15
    Overall
    Performance
    Story
    "A Common Sense Approach to Handling Money."

    I've listened to this book a few times now and Dave is clearly passionate about teaching others that it is possible to live a debt free life. I used to think that I was quite good with my money (not that I had much) but this tough, common sense guide revealed to me that I could have done so much better. Although, no longer in my youth Dave also makes it clear that it's not too late to start.

    Jim

    0 of 0 people found this review helpful
  • Steve Horne
    1/21/15
    Overall
    Performance
    Story
    "Great book!!"

    It was really helpful practical guide to personal finance really accessible and potentially life transforming. Give it a go I did and loved it

    0 of 0 people found this review helpful
  • Martina
    SUTTON COLDFIELD, United Kingdom
    12/5/14
    Overall
    Performance
    Story
    "A must - Educational, engaging and fun"
    Would you recommend this audiobook to a friend? If so, why?

    I have hear about Dame Ramsey before and now listened to this rather short book and I was really satisfied. Dave's voice, ideas, processes to get better with money are life changing, so motivational, definitely must listen for everyone. I strongly recommend, I have enjoyed every minute of it!


    What did you like best about this story?

    So easy to follow.


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

    Personal stories, Dave himself.


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

    Yes.


    Any additional comments?

    Don't only listen but put in action ;-)

    0 of 0 people found this review helpful
  • Mr
    YEOVIL, United Kingdom
    8/5/13
    Overall
    Performance
    Story
    "Brilliant book!"
    Would you listen to The Total Money Makeover again? Why?

    It took me a while to get over the slightly aggressive American tone - I guess passion would be a better word than agressive. But the concept is simple and makes perfect sense.


    0 of 0 people found this review helpful
  • florence
    READING, United Kingdom
    7/24/13
    Overall
    Performance
    Story
    "Helped us get in shape"

    I found out about Dave Ramsey about seven months ago (December 2012) and from the first podcast I downloaded for his radio talk show, I knew this guy was different. He is genuine, honest, informed and tells it like it is. My husband and I had debt of about $28,000 which we werent too concerned about but had tried to pay off and somehow no matter what we did it just never seemed to go away. We enrolled for FPU online around March 2013 and wow, what a class!!! We decided to pay off all our debt but for some reason stalled. I then went ahead and bought this book (audio) about a month after we'd completed FPU, something about the way he explained debt and just how restrictive it was clicked deeper. I was on a coach on the way to work, by the time we arrived I had a tear in my eye and knew that I knew that I knew that we were paying our debt off that day. Fortunately we had the money to clear all our debt and just went ahead and did it. I cannot describe the feeling. Walking around debt free is totally liberating. I would never have done it if it werent for FPU or this book. For some reason we thought earning 0.5% in a savings account would beat the 7-10% interest rates we were paying on the debt. We just hadnt done the Maths. We have now changed our habits and are already living like no one lese so later we get to live like no else.

    Thank you Dave Ramsey and may God bless and your wonderful family for the wonderful work you are doing to enlighten those of us who had somehow gotten degrees in D.U.M.B.

    0 of 0 people found this review helpful
  • Raphy
    upholland, United Kingdom
    10/20/11
    Overall
    "Just Buy it"

    gr8 book, lot of things you already know but arranged in 'baby steps' for secure debt free future.would highly recommend

    0 of 0 people found this review helpful

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