Regular price: $15.96

Membership details Membership details
  • A 30-day trial plus your first audiobook, free.
  • 1 credit/month after trial – good for any book, any price.
  • Easy exchanges – swap any book you don’t love.
  • Keep your audiobooks, even if you cancel.
  • After your trial, Audible is just $14.95/month.
OR
In Cart

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

  • 4.5 out of 5 stars
  • 5 Stars
    11,968
  • 4 Stars
    2,261
  • 3 Stars
    682
  • 2 Stars
    180
  • 1 Stars
    261

Performance

  • 4.5 out of 5 stars
  • 5 Stars
    9,285
  • 4 Stars
    1,745
  • 3 Stars
    623
  • 2 Stars
    183
  • 1 Stars
    174

Story

  • 4.5 out of 5 stars
  • 5 Stars
    9,319
  • 4 Stars
    1,791
  • 3 Stars
    527
  • 2 Stars
    166
  • 1 Stars
    121
Sort by:
  • Overall
    1 out of 5 stars
  • Performance
    1 out of 5 stars
  • Story
    1 out of 5 stars

Condescending

Returning it, didn't like at all. Annoying voice ....don't buy it. Didn't like the bible references either -irrelevant

6 of 8 people found this review helpful

  • Overall
    2 out of 5 stars
  • Cynthia
  • Springville, UT, United States
  • 08-30-08

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.

110 of 157 people found this review helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Dustin
  • United States
  • 04-02-12

Should Be On Everyone's Shortlist to Read/Listen

Where does The Total Money Makeover rank among all the audiobooks you’ve listened to so far?

This is one of the best audiobooks I have listened to so far. The money management strategies are valuable for anyone, whether or not they consider themselves to already have a solid grip on financial management. There is something for everyone.

What about Dave Ramsey’s performance did you like?

Dave Ramsey's narration is compelling. The way in which he conveys this book, which might be considered a dry topic to listen to, is dynamic and engaging.

8 of 11 people found this review helpful

  • Overall
    5 out of 5 stars
  • Brannon
  • San Marcos, CA, United States
  • 09-26-05

Nothing but OUTSTANDING!!

It has been less than a week sense my wife and I have listed to Dave's book and it has already changed our lives and how we look at our finances forever. Within these few days we have paid off almost $3,000 in debt with money that was "just laying around the house". We had no idea how good it would feel to break free from being a prisoner to some of that debt that we have been paying on for years. It is so liberating to finally take charge of our money and actually have a plan. We have listened and read many financial books in the past but NOTHING and I mean NOTHING has gotten us this excited. It has actually given us more hope than we have ever had about changing our financial future. My wife and I have even grown closer because we are working on our finances together as a team for the first time. Every day we get more and more fired up about "The Total Money Makeover". We will never look at money and debt the same way again. If you are reading this review trying to decide if you should buy this book, DO IT AND DON'T WAIT! This book is worth every penny and then some. If you are ready to take control of your life and ?live like no one else? get started right now.

8 of 11 people found this review helpful

  • Overall
    1 out of 5 stars
  • Performance
    1 out of 5 stars
  • Story
    1 out of 5 stars

Painful to listen to

I never made it past chapter 2. It might be a wonderful book, but Ramsey's narration is over the top that I couldn't concemtrate on what he was saying. Genuinely one of the worst narrators I've ever heard. I will buy the book and read this instead.

10 of 14 people found this review helpful

  • Overall
    2 out of 5 stars
  • Performance
    2 out of 5 stars
  • Story
    2 out of 5 stars

If you like be scolded by Dad or preached at then you will love this book

My overall experience with this book was best described as "meh".
Dave successfully calls you out on being human and wanting to indulge.
Throws bible verse at you like a preacher. Thanks Dave I know I am a sinner. I'll work on it.
Sell the car...
Sorry Dad I didn't mean to do it.
Infomercials were great!

In summary, this book could have been shorted greatly.
Don't buy crap you don't need..
Don't buy an expensive car...
Don't be in debt...

Can I have my three hours back?

10 of 14 people found this review helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Russell
  • denver, CO, United States
  • 04-06-12

Dave rules!

Best advice money can buy. Follow and be debt free. Easy to follow. Learn it, live it, be debt free and stay that way.

10 of 14 people found this review helpful

  • Overall
    5 out of 5 stars

Not for Wimps!

Great audiobook with very good info on getting out of debt. We liked Dave's style and laughed a lot while listening. I found myself wanting him to go into a little more detail on some subjects but it didn't take away from our experiance.

Right now we are rolling our debt snowball and selling our financed car and trying to get out of my "fleeced" truck.

Best of luck to you on your Total Money Makeover!

21 of 30 people found this review helpful

  • Overall
    3 out of 5 stars
  • Debra
  • Ada, MI, United States
  • 11-06-08

content 4.5; delivery 2

On the plus side the content is very good, with excellent advice although numerous references to 12% returns clearly dated the material.

Too bad the narration was a cross between infomercial and the Oxyclean guy...extremely annoying and lowered the credibility of what he has to say.

14 of 20 people found this review helpful

  • Overall
    1 out of 5 stars
  • Performance
    1 out of 5 stars
  • Story
    1 out of 5 stars

Returned within 30 minutes.

Thankfully audible lets you return books because I couldn’t get through this even past half an hour. I listened through the preface of it even though it was painful because I thought the rest would be worth it. I’m sure there’s some great lessons but I cannot get through it. His tone is awful and yelling doesn’t appeal to me, no matter how much you’re trying to get a point across. The delivery was actually cringeworthy to me that I had to stop a few times even in 30 minutes. He started quoting scripture which as an agnostic I’m not opposed to at all, but I didn’t really want it personally in a book about money. Not for me. If you want to hear a man yelling and whining about people whining and comparing debt to being fat and saying cut your carbs and sugar intake, go for it. But it’s a no from me.

1 of 1 people found this review helpful

Sort by:
  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Ducarta
  • 01-30-18

Very practical and helpful book!

I've only just finished the book so I'd like to update this review as I implement the principles inside.

For those on the fence, you may already know some of the principles but what you are really paying for is Dave and his ability to whip you into shape and get you fired up around these principles and boy and I excited to get debt free!

It won't be a easy ride but nothing worth the effort ever is. Buy this book.

  • Overall
    5 out of 5 stars
  • Performance
    2 out of 5 stars
  • Story
    5 out of 5 stars
  • Amazon Customer
  • 01-08-18

loved this book but hated the narrator

I love everything about this book, the author, advice and the bunt facts. But I found it very hard to listen to. I hate the tone of the narrator, his bossy, patronizing intonation throughout the book drove me mad. I'd recommend this book to others

  • Overall
    5 out of 5 stars
  • Amazon Customer
  • 01-05-18

great to get you thinking

Really loved it. Nothing mind blowing about it as its all common sense but is good to hear

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Patrick Sheridan
  • 11-09-17

Book contains the lower level detail

listened to you for over a year on YouTube finally made the purchase, excellent content!

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • James Ovington
  • 10-24-17

excellent listen, simple but important advice!!!

expertly crafted and spoken by Dave Ramsey, total money makeover is a step by step guide to financial freedom. it is NOT a get rich quick. This book is a must listen/read.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Miss A. I. Monayajo
  • 10-11-17

I feel. Energised

Really an eye opener. I feel. Energized to start on my total money makeover. There is hope and I can do it. Thanks to this powerful book

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Anonymous User
  • 10-09-17

This Audiobook will keep you on your toes!

This book will keep you on your toes for a good reason. I resonate with the advise and steps. Thank you!

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Mrs S J Davis
  • 07-31-17

Good uncommon common sense

This isn't a get rich quick scheme. Instead it's the sort of sound financial advice I wish I'd had thirty years ago, before I made some stupid decisions. This book has given me the encouragement and knowledge I needed to sort our finances out.

  • Overall
    5 out of 5 stars
  • H
  • 07-23-17

Very practical guide to financial freedom.

It is very easy you follow. It gives sound advice. I'm starting tomorrow :). We'll worth a read

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Evan Odojukan
  • 06-29-17

Awesome

Amazing book... real eye opener, this is a game changer. If you're serious about making a difference in your life, you need this book