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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 (2950 )
5 star
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4.4 (1327 )
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3 star
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2 star
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1 star
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Performance
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  •  
    Gladis houston, TX, United States 03-06-12
    Gladis houston, TX, United States 03-06-12

    Tell us about yourself!

    HELPFUL VOTES
    177
    ratings
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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!

    25 of 31 people found this review helpful
  •  
    Joy 09-04-12
    Joy 09-04-12
    HELPFUL VOTES
    2
    ratings
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    6
    1
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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
  •  
    Jason Poteau, OK, United States 12-30-11
    Jason Poteau, OK, United States 12-30-11 Member Since 2008

    Bi-Vocational Pastor/Draftsman. Full time husband and dad. Audiobooks are a staple in my life because I can read and work...

    HELPFUL VOTES
    279
    ratings
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    133
    108
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    47
    5
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    "Very Motivational..."

    Even if you might not adhere to Dave's plan exactly, the idea of slavery to debt and freedom from it are very motivational. I feel like the examples he uses are real life people and he doesn't use terms or language that is reserved for finance professionals. It really is a good, practical plan for getting out of debt via hard work and perseverance. Even though his plan is not the best "mathematically", the point of getting some quick wins by paying off the lowest balance without regard to interest rate is a legitimate point. Honestly, you can hear most of the content of this book in his daily podcasts. I do recommend this book to people.

    12 of 16 people found this review helpful
  •  
    Russell denver, CO, United States 04-06-12
    Russell denver, CO, United States 04-06-12
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    "Must Have"
    Would you consider the audio edition of The Total Money Makeover to be better than the print version?

    Listening to Dave Ramsey just make it that more impressive.


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

    Learning that other who have now made it were where most of us are today


    What about Dave Ramsey’s performance did you like?

    He speaks from the heart.


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

    Book really makes you think about your situation.


    Any additional comments?

    If you or someone you know need help with money this is a must read.

    9 of 12 people found this review helpful
  •  
    Cynthia Springville, UT, United States 08-30-08
    Cynthia Springville, UT, United States 08-30-08 Member Since 2006
    HELPFUL VOTES
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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.

    52 of 73 people found this review helpful
  •  
    Noel Zurich, N/A, Switzerland 11-08-05
    Noel Zurich, N/A, Switzerland 11-08-05
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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.

    23 of 32 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.

    56 of 79 people found this review helpful
  •  
    Amazon Customer 10-29-09 Member Since 2007
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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!

    64 of 91 people found this review helpful
  •  
    Ralph Montreal, Quebec Canada 10-23-08
    Ralph Montreal, Quebec Canada 10-23-08
    HELPFUL VOTES
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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.

    33 of 47 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".

    94 of 139 people found this review helpful
  • Showing: 1-10 of 226 results PREVIOUS1223NEXT
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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
  • 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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