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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

Critic Reviews

"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 Ratings

Overall

  • 4.6 out of 5.0
  • 5 Stars
    9,734
  • 4 Stars
    1,986
  • 3 Stars
    614
  • 2 Stars
    155
  • 1 Stars
    237

Performance

  • 4.6 out of 5.0
  • 5 Stars
    7,397
  • 4 Stars
    1,478
  • 3 Stars
    534
  • 2 Stars
    156
  • 1 Stars
    149

Story

  • 4.7 out of 5.0
  • 5 Stars
    7,407
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    1,545
  • 3 Stars
    450
  • 2 Stars
    145
  • 1 Stars
    100
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Too much sarcasm

So important for authors to maintain an even tone, I battled with Daves overbearing sarcasm and over enthusiastic reading. Mostly we just want to learn something and the mental energy it takes to do that is watered down if 50% goes to 'how' the author expresses himself.

3 of 4 people found this review helpful

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I couldn't get through the first chapter

Would you try another book from Dave Ramsey and/or Dave Ramsey?

No. I will not buy another book by Dave Ramsey.

Would you ever listen to anything by Dave Ramsey again?

No. I will not buy another book by Dave Ramsey.

How could the performance have been better?

Yes. The preacher style, debt is bad does not go well with me. Debt is a tool that can be used wisely and poorly.

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

The subject matter and preacher style doesn't appeal to me.

1 of 1 people found this review helpful

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Maybe Buy the Book Instead

Whatever information or knowledge the book may contain is lost in the dripping sarcasm and apparent disdain for the listener that is narrated in by Dave Ramsey. I had to stop listening 30 minutes in. He's got good info, but his delivery is so hateful, I just couldn't take it. It would have been infinitely better if someone else had read this book - they might not have delivered the impatient snobbery that Dave seems incapable of withholding in his narration.

1 of 1 people found this review helpful

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Probably good for beginners

The book is very basic and for beginners who are in high debt. Looking at the rating I was expecting some more knowledge out of it. Also the authors tone/pitch if his voice is very fluctuating.

1 of 1 people found this review helpful

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I learned maybe two things

Useless info. Learned maybe two things, the rest is just all filler. Waste of money.

1 of 1 people found this review helpful

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Scam

Worst thing I've ever bought would have gotten more from a comic book. What a shame

1 of 1 people found this review helpful

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waste of time

waste of time, who needs somebody to tell them to stop spending to pay off your debt? wow, that's really helpful! This book was a waste of time and money.

1 of 1 people found this review helpful

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Information available online

Total Money Makeover doesn't give any information that isn't already available on Ramsey's website. it just adds anecdotes about people succeeding with the method.

1 of 1 people found this review helpful

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Life changing

Life changing!!! I am totally sold on these age old methods and will be applying them to secure the future of my family! Cheers to living like no one else so that we can live like no one else!!!😄

1 of 1 people found this review helpful

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  • Story

Great book, great information, great passion.

Now to put it into practice and then I will say Great results. Thank you

1 of 1 people found this review helpful

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  • Shinga Gwatidzo
  • 03-18-17

Great book

A real eye opener, I'm now encouraged and hopeful for a better financial future and legacy.

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  • lewis
  • 03-18-17

Life changing

Get gazelle intense! Save, be debt free, give and have fun! Blessings to you all

  • Overall
  • Daniel Warburton
  • 03-08-17

Big, Hyped man with a big mouth says avoid debt!

A big, confident man tells his story and says several times in different ways to avoid debt, avoid leasing and get an emergency fund in place. Also, to take out needed insurance.

I heard more financial advice than this down at the bar or pub!

Not really worth the money!

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  • Amazon Customer
  • 03-05-17

good book and a good listen.

if applied in the period he says can be debt free and the ability to change your life.

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  • Stuart
  • 01-02-17

Excellent, but important caveats

The advice seems excellent (lets see how it all plays out!).

However, it would benefit from being slightly less political and notably less religious. Also, it is heavily americanised and the narration is OTT. These points don't take away from the good, but are worth being aware of.

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  • kris
  • 01-01-17

Brilliant

The kick up the arse I've needed for a while! Bit to Christian orientated but all round very sound advice!

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  • OrganicGreen
  • 12-26-16

Good read

This is a very informative book about how to live on your income so that you can save money to invest. This investment will then support you in the future so you no longer have to work. He talks about investing your money in stocks to get 12% return. I don't know if this is possible. However his advice is still good. Living within your means and investing the saving for a better future.

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  • Adam W.
  • 12-09-16

Lots of practical advise and inspiration

Dave presents his 7-step approach to money management and wealth creation. Very plain speaking with relevant case studies and experience. Dave's narration is passionate and heart felt, which I enjoyed and persuaded me to act on his advice. Well worth a listen.

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  • stewart
  • 03-22-16

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.

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  • Ioanna
  • 03-05-16

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...

1 of 2 people found this review helpful