We are currently making improvements to the Audible site. In an effort to enhance the accessibility experience for our customers, we have created a page to more easily navigate the new experience, available at the web address www.audible.com/access.
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.
Regular Price:$13.22
  • Membership Details:
    • First book free with 30-day trial
    • $14.95/month thereafter for your choice of 1 new book each month
    • Cancel easily anytime
    • Exchange books you don't like
    • All selected books are yours to keep, even if you cancel
  • - or -

Your Likes make Audible better!

'Likes' are shared on Facebook and Audible.com. We use your 'likes' to improve Audible.com for all our listeners.

You can turn off Audible.com sharing from your Account Details page.

OK

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 (2962 )
5 star
 (1797)
4 star
 (673)
3 star
 (256)
2 star
 (86)
1 star
 (150)
Overall
4.4 (1329 )
5 star
 (842)
4 star
 (304)
3 star
 (114)
2 star
 (37)
1 star
 (32)
Story
4.4 (1337 )
5 star
 (830)
4 star
 (290)
3 star
 (131)
2 star
 (43)
1 star
 (43)
Performance
Sort by:
  •  
    Noel Zurich, N/A, Switzerland 11-08-05
    Noel Zurich, N/A, Switzerland 11-08-05
    HELPFUL VOTES
    27
    ratings
    REVIEWS
    1
    1
    FOLLOWERS
    FOLLOWING
    0
    0
    Overall
    "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.

    27 of 36 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
    60
    ratings
    REVIEWS
    3
    2
    FOLLOWERS
    FOLLOWING
    0
    0
    Overall
    "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.

    57 of 78 people found this review helpful
  •  
    Saul 06-25-10
    Saul 06-25-10
    HELPFUL VOTES
    75
    ratings
    REVIEWS
    35
    10
    FOLLOWERS
    FOLLOWING
    6
    0
    Overall
    "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.

    61 of 84 people found this review helpful
  •  
    Ralph Montreal, Quebec Canada 10-23-08
    Ralph Montreal, Quebec Canada 10-23-08
    HELPFUL VOTES
    40
    ratings
    REVIEWS
    3
    2
    FOLLOWERS
    FOLLOWING
    0
    0
    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.

    36 of 50 people found this review helpful
  •  
    Amazon Customer 10-29-09 Member Since 2007
    HELPFUL VOTES
    73
    ratings
    REVIEWS
    8
    2
    FOLLOWERS
    FOLLOWING
    0
    0
    Overall
    "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!

    69 of 97 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
    177
    ratings
    REVIEWS
    9
    7
    FOLLOWERS
    FOLLOWING
    115
    0
    Overall
    Performance
    Story
    "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 36 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
    281
    ratings
    REVIEWS
    133
    108
    FOLLOWERS
    FOLLOWING
    47
    5
    Overall
    Performance
    Story
    "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.

    14 of 20 people found this review helpful
  •  
    02-22-05
    02-22-05 Member Since 2005
    HELPFUL VOTES
    103
    ratings
    REVIEWS
    19
    2
    FOLLOWERS
    FOLLOWING
    1
    0
    Overall
    "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".

    100 of 147 people found this review helpful
  •  
    Alexandra 02-11-14
    Alexandra 02-11-14 Member Since 2009
    HELPFUL VOTES
    30
    ratings
    REVIEWS
    72
    65
    FOLLOWERS
    FOLLOWING
    4
    0
    Overall
    Performance
    Story
    "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
  •  
    Joy Q. King Perry, Fl 10-02-12
    Joy Q. King Perry, Fl 10-02-12

    Joy King

    HELPFUL VOTES
    10
    ratings
    REVIEWS
    8
    7
    FOLLOWERS
    FOLLOWING
    0
    0
    Overall
    Performance
    Story
    "Dave Ramsey at his best!"
    Would you consider the audio edition of The Total Money Makeover to be better than the print version?

    Yes, Ive read it twice and listened to it. I think the audio brings it more into a personal perspective. You can feel the passion and anger in Dave's persona.


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

    The bill collectors harassing Dave's wife Sharon. I love the AMEX story.


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

    Dave of course!


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

    Budget! Budget! Budget!


    Any additional comments?

    I have bought this book and have given it to 3 sets of newlyweds. I hope one of them takes it to heart. If you have financial issues ruining your life, you have to listen to this.....

    3 of 4 people found this review helpful
  • Showing: 1-10 of 226 results PREVIOUS1223NEXT
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
  • 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
  • Showing: 1-5 of 5 results

    There are no listener reviews for this title yet.

Report Inappropriate Content

If you find this review inappropriate and think it should be removed from our site, let us know. This report will be reviewed by Audible and we will take appropriate action.

Cancel

Thank You

Your report has been received. It will be reviewed by Audible and we will take appropriate action.